Data acquisition and management system

Abstract

The invention relates to the technical field of data processing, in particular to a data acquisition and management system, which comprises a cloud database used for storing user consumption information; the identification module is used for traversing the user consumption information stored in the cloud database and identifying a user charge-off period based on the user consumption information; the construction module is used for receiving the user charge-off cycle identified in the identification module, and constructing a situation map representing user quality based on the user charge-off cycle; according to the invention, through uploading and identification of the historical consumption information of the user, the account-off cycle of the user is identified, the user quality situation map is further constructed based on the identified account-off cycle of the user, and finally, high-quality users and users with risks are captured according to a user consumption health analysis result. User and user data management reference is provided for system end users, and healthy development of the financial market is facilitated.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular to a data collection and management system. Background Art

[0002] Financial user credit refers to an assessment by a financial institution of a user's ability and willingness to fulfill commitments, repay debts, and perform other related behaviors in financial transactions. Financial user credit data refers to the user's account deposit and withdrawal information during the process of using consumer finance.

[0003] A financial data management method is disclosed in a Chinese invention patent with application number 202210316615.X, which is characterized in that the method includes: obtaining current financial subject data to be processed transmitted by an original financial data collection subject via a first data transmission port, wherein the number of the first data transmission port is at least one, and one original financial data collection subject corresponds to at least one first data transmission port; performing data splitting on the current financial subject data to be processed according to the current financial subject data to be processed, and generating current financial branch data, wherein each current financial branch data corresponds to a current financial data type label: comparing the current financial data type label with each standard processable financial label in a preset standard financial data processing label library one by one, and respectively Generate a label matching value, wherein a plurality of standard processable financial labels are preset in the standard financial data processing label library, and each of the standard processable financial labels corresponds to a standard financial data processing subject; generate an initial financial data management plan according to each of the label matching values, wherein the initial financial data management plan includes designating a standard financial data processing subject to process a current financial branch data, and obtaining the initial processing feedback result of the standard financial data processing subject on the current financial branch data to be processed, and obtaining the advanced processing guidance opinions made by the preset financial management subject on the initial financial data management plan, modifying the initial financial data management plan according to the initial processing feedback result and the advanced processing guidance opinions, and generating an ultimate version of the financial data management plan.

[0004] This application aims to solve the problem of "irrational distribution of financial data in the prior art, resulting in low efficiency in financial data management".

[0005] The management of financial user data is also the management of financial users themselves. Financial users are evaluated through their historical data to provide better services for high-quality financial users and to provide a certain degree of constraint management for risky financial users. Currently, there is no intelligent and effective system to manage financial user data and users themselves based on the analysis of financial user historical data; To this end, we proposed a data collection and management system. Summary of the invention

[0006] In view of the above-mentioned shortcomings of the prior art, the present invention provides a data collection and management system, which solves the technical problems raised in the above-mentioned background technology.

[0007] To achieve the above objectives, the present invention is implemented through the following technical solutions: A data collection and management system, comprising: A cloud database is used to store user consumption information; an identification module is used to traverse the user consumption information stored in the cloud database, and identify the user's bill settlement cycle based on the user consumption information; a construction module is used to receive the user's bill settlement cycle identified in the identification module, and construct a situation diagram representing the user quality based on the user's bill settlement cycle; an analysis module is used to traverse the situation diagram representing the user quality constructed by the construction module, and analyze the user's consumption health based on the situation diagram representing the user quality; a capture module is used to record the user consumption health analysis results in the analysis module, and use the user consumption health analysis results to capture high-quality users and risky users; a feedback module is used to receive the high-quality users and risky users captured in the capture module, and create high-quality user electronic reports and risky user electronic reports based on the captured high-quality users and risky users, respectively, and provide feedback to system-side users; The feedback module is connected to the mobile computer device held by the system end user through a wireless network. The feedback module transmits the electronic report of high-quality users and the electronic report of risky users to the mobile computer device based on the wireless network, and the system end user reads the electronic report of high-quality users and the electronic report of risky users on the mobile computer; The cloud database is interactively connected to a creation unit and an iteration unit at the lower level through a wireless network, the cloud database is interactively connected to an identification module and a construction module through a wireless network, the construction module is interactively connected to an analysis module through a wireless network, the analysis module is interactively connected to a setting unit through a wireless network, and the analysis module is interactively connected to a capture module and a feedback module through a wireless network.

[0008] Furthermore, the user consumption information stored in the cloud database includes: outgoing amount, repayment amount, consumption type, the consumption type is determined by the payment system independently, and is recorded as type I consumption, type II consumption, type III consumption, ..., each group of outgoing amount information and repayment amount information in the user consumption information is marked with the user name, ID number and the consumption type of the amount information, and the cloud database is provided with submodules at the lower level, including: A creation unit, used to create differentiated storage intervals in a cloud database, and use the differentiated storage intervals to differentiate and store user consumption information; An iteration unit, used to set an information iteration cycle, and to perform differentiated deletion processing on the user consumption information stored in the cloud database and in each partitioned storage interval based on the information iteration cycle; Among them, the user consumption information stored in the cloud database is manually uploaded by the system-side user. When the cloud database uses differentiated storage intervals to differentiate and store the user consumption information, the source of the user consumption information is identified based on the user name and ID number in the user consumption information, so that the user consumption information from the same user name and ID number is stored in the same differentiated storage interval. The iteration cycle is customized by the system-side user in the iteration unit, and the iteration unit deletes the user consumption information stored in each differentiated storage interval in the cloud database based on the iteration cycle, so that the user consumption information stored in the differentiated storage interval is within the time threshold specified by the iteration cycle.

[0009] Furthermore, the identification module runs continuously in the system, and each time the identification module runs, it takes a set of differentiated storage intervals as a processing target, and identifies the debit cycle of the user corresponding to the differentiated storage interval; The user consumption information stored in the differentiated storage interval is queued and stored based on the time sequence, and the identification logic for the user's debit cycle in the identification module is expressed as follows: ; Where: 2, 3, 4, ... are the sets of the earliest 2, 3, 4, ... groups of information in the storage interval corresponding to the user consumption information; is the amount of consumption information of the i-th group of users; Among them, based on the above formula, the sum of the sets of consumption information of each user is calculated, so that in the above formula, the generation time corresponding to the earliest user consumption information and the latest user consumption information in the set used by each established formula constitutes a time threshold, and the time threshold is recorded as the user's account settlement cycle, and the user account settlement cycle is synchronously sorted based on the time sequence.

[0010] Furthermore, the situation graph representing user quality constructed in the construction module is a line graph, wherein the horizontal axis of the situation graph representing user quality represents the user's account settlement cycle, and the vertical axis represents each amount of payment information of the user within the account settlement cycle; Among them, the construction module runs synchronously with the identification module to construct a user quality situation map with a number equal to the differentiated storage intervals in the cloud database and a one-to-one correspondence between users in each differentiated storage interval, and the user consumption information represented in the user quality situation map is iterated synchronously with the differentiated storage interval to which the corresponding user belongs to complete the situation map update.

[0011] Furthermore, the analysis module is internally provided with submodules, including: A setting unit, used to set a threshold for determining user consumption health; Among them, the analysis module is set with user consumption health analysis logic. The analysis module analyzes user consumption health based on the user consumption health analysis logic, and compares the user consumption health analysis result with the health judgment threshold set by the setting unit to identify healthy consumption users.

[0012] Furthermore, the user consumption health analysis logic set by the analysis module is expressed as: ; Where: Provide health performance value for user consumption; The total amount of the user's account cancellation cycle; This is the g-th user's account cancellation cycle; The j-th payment amount in the g-th user's payment cycle; The time of the g-th user's account cancellation cycle; The largest consumption in the situation diagram representing user quality; The smallest consumption in the situation diagram representing user quality; is the normalization factor; Among them, the user consumption health performance value The larger the value, the healthier the user's consumption status is. On the contrary, the smaller the value, the worse the user's consumption status is. The value is defined by the system user, and the normalization factor >0.

[0013] Furthermore, the analysis module performs consumption health analysis on each user corresponding to the storage intervals in the cloud database based on the user consumption health analysis logic, and synchronously refreshes the user consumption health analysis operation based on the update of the situation diagram representing the user quality constructed by the construction module. After the analysis module performs a consumption health analysis on each user, each group of analysis results forms a group of analysis result sets, and the analysis result set only includes users judged to be healthy consumers, and is recorded in the capture module, recorded as A1, A2, A3, ...; Among them, after the analysis module performs a consumption health analysis on each user, each group of analysis results constitutes an analysis result set, and the analysis result set only includes users judged as non-consumption healthy users, and is recorded in the capture module, recorded as B1, B2, B3,...

[0014] Furthermore, the operation of using the user consumption health analysis result to capture high-quality users and risky users in the capture module is: ; Where: A user set consisting of high-quality users; The user set consists of risky users; Among them, the user group composed of high-quality users The user set includes users, all of whom are high-quality users; the user set consisting of risky users The users included in are all risky users.

[0015] Furthermore, in the feedback module, the high-quality users in the electronic report of high-quality users are arranged in descending order based on their corresponding consumption health performance values, and the consumption health performance values ​​of the electronic report of risky users are arranged in ascending order, and the electronic report also includes the latest constructed situation diagram representing user quality corresponding to each user.

[0016] Compared with the known public technology, the technical solution provided by the present invention has the following beneficial effects: The present invention provides a data collection and management system. During operation, the system identifies the user's account settlement cycle by uploading and identifying the user's historical consumption information, further constructs a user quality situation map based on the identified user's account settlement cycle, and provides a visual data reference for system-side users when evaluating user quality based on graphic display. The user quality situation map is further used to analyze the user's consumption health, and finally, high-quality users and users with risks are captured based on the user consumption health analysis results, and the analysis results are sorted out in the form of electronic reports to feed back to the system-side users, providing the system-side users with a reference for user and user data management, which is conducive to the healthy development of the financial market. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention, and for ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0018] Figure 1 The figure is a structural diagram of a data collection and management system. DETAILED DESCRIPTION

[0019] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are 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.

[0020] The present invention will be further described below in conjunction with the embodiments.

[0021] Embodiment 1:

[0022] A data collection and management system of this embodiment, such as Figure 1 As shown, including: The cloud database is used to store user consumption information; The user consumption information stored in the cloud database includes: outgoing amount, repayment amount, and consumption type. The consumption type is determined by the payment system independently and recorded as type I consumption, type II consumption, type III consumption, etc. Each set of outgoing amount information and repayment amount information in the user consumption information is marked with the user name, ID number, and the consumption type of the amount information. The cloud database is provided with sub-modules at the lower level, including: A creation unit, used to create differentiated storage intervals in a cloud database, and use the differentiated storage intervals to differentiate and store user consumption information; An iteration unit, used to set an information iteration cycle, and to perform differentiated deletion processing on the user consumption information stored in the cloud database and in each partitioned storage interval based on the information iteration cycle; Among them, the user consumption information stored in the cloud database is manually uploaded by the system end user. When the cloud database uses differentiated storage intervals to differentiate and store the user consumption information, the source of the user consumption information is identified based on the user name and ID number in the user consumption information, so that the user consumption information from the same user name and ID number is stored in the same differentiated storage interval. The iteration cycle is customized by the system end user in the iteration unit, and the iteration unit deletes the user consumption information stored in each differentiated storage interval in the cloud database based on the iteration cycle, so that the user consumption information stored in the differentiated storage interval is within the time threshold specified by the iteration cycle; An identification module is used to traverse the user consumption information stored in the cloud database and identify the user's account settlement cycle based on the user consumption information; Each time the recognition module runs, it takes a group of differentiated storage intervals as a processing target and identifies the debit cycle of the user corresponding to the differentiated storage intervals; The user consumption information stored in the storage interval is distinguished and stored in queues based on time sequence. The logic of identifying the user's debit cycle in the identification module is expressed as follows: ; Where: 2, 3, 4, ... are the sets of the earliest 2, 3, 4, ... groups of information in the storage interval corresponding to the user consumption information; is the amount of consumption information of the i-th group of users; Among them, based on the above formula, the sum of the set of consumption information of each user is calculated, so that in the above formula, the generation time corresponding to the earliest user consumption information and the latest user consumption information in the set used by each established formula constitutes a time threshold, and the time threshold is recorded as the user's account cancellation cycle, and the user account cancellation cycle is synchronously sorted based on the time sequence; A construction module, configured to receive the user cancellation cycle identified in the identification module, and to construct a situation diagram representing the user quality based on the user cancellation cycle; An analysis module, used for traversing the situation graph representing user quality constructed by running the construction module, and analyzing the health of user consumption based on the situation graph representing user quality; The analysis module is internally provided with submodules, including: A setting unit, used to set a threshold for determining user consumption health; The analysis module is provided with a user consumption health analysis logic. The analysis module analyzes the user consumption health based on the user consumption health analysis logic, and compares the user consumption health analysis result with the health judgment threshold set by the setting unit to identify healthy consumption users. The user consumption health analysis logic set by the analysis module is expressed as follows: ; Where: Provide health performance value for user consumption; The total amount of the user's account cancellation cycle; This is the account cancellation cycle for the g-th user; The j-th payment amount in the g-th user's payment cycle; The time of the g-th user's account cancellation cycle; The largest consumption in the situation diagram representing user quality; The smallest consumption in the situation diagram representing user quality; is the normalization factor; Among them, the user consumption health performance value The larger the value, the healthier the user's consumption status is. On the contrary, the smaller the value, the worse the user's consumption status is. The value is defined by the system user, and the normalization factor >0; The capture module is used to record the analysis results of user consumption health in the analysis module, and use the analysis results of user consumption health to capture high-quality users and risky users; A feedback module is used to receive the high-quality users and risky users captured by the capture module, create high-quality user electronic reports and risky user electronic reports based on the captured high-quality users and risky users, and provide feedback to the system end user; The feedback module is connected to the mobile computer device held by the system end user through a wireless network. The feedback module transmits the electronic report of high-quality users and the electronic report of risky users to the mobile computer device based on the wireless network, and the system end user reads the electronic report of high-quality users and the electronic report of risky users on the mobile computer; The cloud database is interactively connected to the creation unit and the iteration unit at the lower level through the wireless network. The cloud database is interactively connected to the identification module and the construction module through the wireless network. The construction module is interactively connected to the analysis module through the wireless network. The analysis module is interactively connected to the setting unit through the wireless network. The analysis module is interactively connected to the capture module and the feedback module through the wireless network.

[0023] In this embodiment, the cloud database runs to store user consumption information, stores the user consumption information, the creation unit synchronously creates differentiated storage intervals in the cloud database, and uses the differentiated storage intervals to differentiate and store the user consumption information, the iteration unit sets the information iteration cycle in real time, and performs differentiated deletion processing on the user consumption information stored in the cloud database and in each differentiated storage interval based on the information iteration cycle, the identification module further traverses the user consumption information stored in the cloud database, identifies the user cancellation cycle based on the user consumption information, the construction module post-operates to receive the user cancellation cycle identified in the identification module, and constructs a situation map representing the user quality based on the user cancellation cycle, and then the analysis module traverses the situation map representing the user quality constructed by the construction module, and analyzes the user consumption health based on the situation map representing the user quality, the setting unit synchronously sets the user consumption health judgment threshold, and finally the capture module records the user consumption health analysis result in the analysis module, and uses the user consumption health analysis result to capture high-quality users and risk users, the feedback module runs to receive the high-quality users and risk users captured in the capture module, and creates high-quality user electronic reports and risk user electronic reports based on the captured high-quality users and risk users, and feedbacks to the system end user.

[0024] Through the operation of the above system, effective management is brought about for the data of financial users, and based on the financial user data management, high-quality users and risky users are identified, so as to further identify and manage high-quality users and risky users based on the financial user data management, and promote the healthy and stable development of financial scenarios.

[0025] Embodiment 2:

[0026] In terms of specific implementation, based on Example 1, this example refers to Figure 1 The data collection and management system in Example 1 is further described in detail as shown below: The situation graph representing the user quality constructed in the construction module is a line graph, wherein the horizontal axis of the situation graph representing the user quality represents the user's account settlement cycle, and the vertical axis represents the information of each outgoing amount of the user within the account settlement cycle; Among them, the construction module runs synchronously with the identification module to construct a user quality situation map with a number equal to the differentiated storage intervals in the cloud database and a one-to-one correspondence between users in each differentiated storage interval, and the user consumption information represented in the user quality situation map is iterated synchronously with the differentiated storage interval to which the corresponding user belongs to complete the situation map update.

[0027] Through the above settings, the construction logic of the situation diagram representing user quality in the construction module is further limited, providing further operation data support for the operation of the system in Example 1.

[0028] like Figure 1 As shown, the analysis module performs consumption health analysis on each user corresponding to the storage interval in the cloud database based on the user consumption health analysis logic, and synchronously refreshes the user consumption health analysis operation based on the update of the situation diagram representing the user quality constructed by the construction module. After the analysis module performs a consumption health analysis on each user, each group of analysis results forms a group of analysis result sets, and the analysis result set only includes users judged to be healthy consumers, and is recorded in the capture module, recorded as A1, A2, A3, ...; Among them, after the analysis module performs a consumption health analysis on each user, each group of analysis results constitutes a set of analysis result sets, and the analysis result set only includes users judged as non-consumption health users, and is recorded in the capture module, recorded as B1, B2, B3, ...; The operation of capturing high-quality users and risky users by applying the results of user consumption health analysis in the capture module is as follows: ; Where: A user set consisting of high-quality users; The user set consists of risky users; Among them, the user group composed of high-quality users The user set includes users, all of whom are high-quality users; the user set consisting of risky users The users included in are all risky users.

[0029] In this embodiment, through the above-mentioned logical formula, a discrimination logic is provided for high-quality users and risky users, ensuring that based on the operation of the system, the real-time status of financial users can be stably analyzed, thereby further managing financial users.

[0030] like Figure 1As shown, in the electronic report of high-quality users in the feedback module, the high-quality users are arranged in descending order based on their corresponding consumption health performance values, and the consumption health performance values ​​of the electronic report of risky users are arranged in ascending order. The electronic report also contains the latest constructed situation diagram representing user quality corresponding to each user.

[0031] Through the above settings, the feedback content to the system-side users in the feedback module is further limited, and the creation logic of the electronic reports of high-quality users and risky users is limited to ensure the stable generation of electronic reports of high-quality users and risky users, so that the data with reference value generated by the system operation can be more logically fed back to the system-side users.

[0032] In summary, during operation, the system in the above embodiment identifies the user's account settlement cycle by uploading and identifying the user's historical consumption information, and further constructs a user quality situation map based on the identified user's account settlement cycle. Based on the graphic display, it provides a visual data reference for system-side users when evaluating user quality. The user quality situation map is further used to analyze the health of user consumption. Finally, according to the analysis results of user consumption health, high-quality users and users with risks are captured, and the analysis results are organized in the form of electronic reports to feedback to system-side users, providing system-side users with a reference for user and user data management, which is conducive to the healthy development of the financial market.

[0033] The above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements will not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. A data collection and management system, characterized in that: include: The cloud database is used to store user consumption information; An identification module is used to traverse the user consumption information stored in the cloud database and identify the user's account settlement cycle based on the user consumption information; A construction module, configured to receive the user cancellation cycle identified in the identification module, and to construct a situation diagram representing the user quality based on the user cancellation cycle; An analysis module, used for traversing the situation graph representing user quality constructed by running the construction module, and analyzing the health of user consumption based on the situation graph representing user quality; The capture module is used to record the analysis results of user consumption health in the analysis module, and use the analysis results of user consumption health to capture high-quality users and risky users; A feedback module is used to receive the high-quality users and risky users captured by the capture module, create high-quality user electronic reports and risky user electronic reports based on the captured high-quality users and risky users, and provide feedback to the system end user; Among them, the feedback module is connected to the mobile computer device held by the system end user through a wireless network. The feedback module transmits the electronic report of high-quality users and the electronic report of risky users to the mobile computer device based on the wireless network, and the system end user reads the electronic report of high-quality users and the electronic report of risky users on the mobile computer.

2. A data collection and management system according to claim 1, characterized in that: The user consumption information stored in the cloud database includes: outgoing amount, repayment amount, and consumption type. The consumption type is determined by the payment system independently and recorded as type I consumption, type II consumption, type III consumption, etc. Each group of outgoing amount information and repayment amount information in the user consumption information is marked with the user name, ID number, and the consumption type of the amount information. The cloud database is provided with submodules at the lower level, including: A creation unit, used to create differentiated storage intervals in a cloud database, and use the differentiated storage intervals to differentiate and store user consumption information; An iteration unit, used to set an information iteration cycle, and to perform differentiated deletion processing on the user consumption information stored in the cloud database and in each partitioned storage interval based on the information iteration cycle; Among them, the user consumption information stored in the cloud database is manually uploaded by the system-side user. When the cloud database uses differentiated storage intervals to differentiate and store the user consumption information, the source of the user consumption information is identified based on the user name and ID number in the user consumption information, so that the user consumption information from the same user name and ID number is stored in the same differentiated storage interval. The iteration cycle is customized by the system-side user in the iteration unit, and the iteration unit deletes the user consumption information stored in each differentiated storage interval in the cloud database based on the iteration cycle, so that the user consumption information stored in the differentiated storage interval is within the time threshold specified by the iteration cycle.

3. A data collection and management system according to claim 1, characterized in that: The identification module runs continuously in the system. Each time the identification module runs, it takes a group of differentiated storage intervals as a processing target and identifies the account cancellation cycle of the user corresponding to the differentiated storage intervals. The user consumption information stored in the differentiated storage interval is queued and stored based on the time sequence, and the identification logic for the user's debit cycle in the identification module is expressed as follows: ； Where: 2, 3, 4, ... are the sets of the earliest 2, 3, 4, ... groups of information in the storage interval corresponding to the user consumption information; is the amount of consumption information of the i-th group of users; Among them, based on the above formula, the sum of the sets of consumption information of each user is calculated, so that in the above formula, the generation time corresponding to the earliest user consumption information and the latest user consumption information in the set used by each established formula constitutes a time threshold, and the time threshold is recorded as the user's account settlement cycle, and the user account settlement cycle is synchronously sorted based on the time sequence.

4. A data collection and management system according to claim 1, characterized in that: The situation graph representing user quality constructed in the construction module is a line graph, wherein the horizontal axis of the situation graph representing user quality represents the user's account settlement cycle, and the vertical axis represents the information of each outgoing amount of the user within the account settlement cycle; Among them, the construction module runs synchronously with the identification module to construct a user quality situation map with a number equal to the differentiated storage intervals in the cloud database and a one-to-one correspondence between users in each differentiated storage interval, and the user consumption information represented in the user quality situation map is iterated synchronously with the differentiated storage interval to which the corresponding user belongs to complete the situation map update.

5. A data collection and management system according to claim 1, characterized in that: The analysis module is internally provided with submodules, including: A setting unit, used to set a threshold for determining user consumption health; Among them, the analysis module is set with user consumption health analysis logic. The analysis module analyzes user consumption health based on the user consumption health analysis logic, and compares the user consumption health analysis result with the health judgment threshold set by the setting unit to identify healthy consumption users.

6. A data collection and management system according to claim 5, characterized in that: The user consumption health analysis logic set by the analysis module is expressed as: ； Where: Provide health performance value for user consumption; The total amount of the user's account cancellation cycle; This is the account cancellation cycle for the g-th user; The j-th payment amount in the g-th user's payment cycle; The time of the g-th user's account cancellation cycle; The largest consumption in the situation diagram representing user quality; The smallest consumption in the situation diagram representing user quality; is the normalization factor; Among them, the user consumption health performance value The larger the value, the healthier the user's consumption status is. On the contrary, the smaller the value, the worse the user's consumption status is. The value is defined by the system user, and the normalization factor >

0.

7. A data collection and management system according to claim 6, characterized in that: The analysis module performs consumption health analysis on each user corresponding to the storage interval in the cloud database based on the user consumption health analysis logic, and synchronously refreshes the user consumption health analysis operation based on the update of the situation diagram representing the user quality constructed by the construction module. After the analysis module performs a consumption health analysis on each user, each group of analysis results forms a group of analysis result sets, and the analysis result set only includes users judged to be healthy consumers, and is recorded in the capture module, recorded as A1, A2, A3, ...; Among them, after the analysis module performs a consumption health analysis on each user, each group of analysis results constitutes an analysis result set, and the analysis result set only includes users judged as non-consumption healthy users, and is recorded in the capture module, recorded as B1, B2, B3,...

8. A data collection and management system according to claim 1 or 7, characterized in that: The operation of using the user consumption health analysis results to capture high-quality users and risky users in the capture module is: ； Where: A user set consisting of high-quality users; The user set consists of risky users; Among them, the user group composed of high-quality users The user set includes users, all of whom are high-quality users; the user set consisting of risky users The users included in are all risky users.

9. A data collection and management system according to claim 1, characterized in that: The high-quality users in the electronic report of high-quality users in the feedback module are arranged in descending order based on their corresponding consumption health performance values, and the consumption health performance values ​​of the electronic report of risky users are arranged in ascending order. The electronic report also includes the latest constructed situation diagram representing user quality corresponding to each user.

10. A data collection and management system according to claim 1, characterized in that: The cloud database is interactively connected to a creation unit and an iteration unit at the lower level through a wireless network, the cloud database is interactively connected to an identification module and a construction module through a wireless network, the construction module is interactively connected to an analysis module through a wireless network, the analysis module is interactively connected to a setting unit through a wireless network, and the analysis module is interactively connected to a capture module and a feedback module through a wireless network.

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