Risk identification method and system based on financial transaction
By conducting feature analysis and data screening of businesses to conduct financial transactions, combined with the rapid computing power of the central processor, the existing risk identification methods have solved the problems of long analysis time and large calculations, and achieved rapid and efficient risk identification and prediction .
Patent Information
- Application Number
- CN202411620243.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-14
- Publication Date
- 2025-02-25
AI Technical Summary
The existing risk identification method analyzes all completed financial transaction projects, resulting in too long risk analysis and too large calculations.
Through the central processor, the characteristics of the business to be conducted are analyzed, the financial transaction characteristics are obtained, and the storage device is filtered based on these characteristics to obtain the associated historical transaction data of the financial transaction. Then, these data are analyzed, risk characteristic information is obtained, and matched, the financial transaction risk coefficient is calculated, and the financial transaction risk level is finally determined.
It reduces the business risk analysis time for financial transactions to be conducted, reduces the amount of computing on the server, and predicts the time of risk occurrence, allowing users to regulate in real time and avoids capital losses.
Smart Images
Figure CN119515392A_ABST
Abstract
Description
Technical Field
[0001] The present invention relates to the technical field of digital financial services, and in particular to a risk identification method and system based on financial transactions. Background Art
[0002] Financial transactions involve exchanging money for other financial assets, and among all financial assets, money has the best liquidity.
[0003] The process of financial transactions has certain risks. Therefore, the result of financial transactions is either an increase in assets or a decrease in funds. Therefore, in order to avoid a decrease in assets, financial transactions are subject to risk identification. However, the existing risk identification method is to analyze all completed financial transaction projects, which results in a long risk analysis time and excessive calculation. Summary of the invention
[0004] In order to solve the above technical problems, a risk identification method and system based on financial transactions are provided. This technical solution solves the problem that the existing risk identification method proposed in the above background technology is to analyze all completed financial transaction projects, resulting in too long risk analysis time and too much calculation.
[0005] In order to achieve the above purpose, the technical solution adopted by the present invention is: A risk identification method based on financial transactions, comprising: Based on the central processor, feature analysis is performed on the business to be subject to financial transactions to obtain financial transaction features; The central processing unit screens data from the storage device according to the characteristics of the financial transaction and obtains the associated historical transaction data of the financial transaction; Based on the central processor, data analysis is performed on the associated historical transaction data of financial transactions to obtain risk characteristic information; Based on the central processor, the financial transaction characteristics and risk characteristic information are matched and processed to obtain the financial transaction risk coefficient; Based on the central processing unit, the financial transaction risk coefficient is compared and judged to determine the financial transaction risk level.
[0006] Preferably, the central processor-based feature analysis of the business to be financially traded to obtain the financial transaction features specifically comprises the following steps: Obtain the specific name of the business to be carried out in the financial transaction; The central processing unit performs information retrieval based on the specific name of the business to be traded financially, and determines the specific file location of the business to be traded financially; The central processing unit reads data according to the specific file location of the business to be financially traded, and obtains the specific file of the business to be financially traded; The central processing unit performs feature analysis on specific files of the business to be subject to financial transactions, and obtains financial transaction features.
[0007] Preferably, the central processor performs feature analysis on specific files of the business to be subject to financial transactions, and obtaining the financial transaction features specifically comprises the following steps: The central processing unit classifies and processes specific documents of the business to be subject to financial transactions, and obtains a collection of multiple sets of part-of-speech information; The central processing unit screens and processes the multiple sets of part-of-speech information collections to obtain a collection of part-of-speech information related to financial transactions; The central processing unit performs bubble sorting on the collection of part-of-speech information related to financial transactions to obtain multiple groups of financial transaction related features; The central processing unit compares and judges the plurality of sets of financial transaction-related features and the set first threshold respectively; If the financial transaction related feature is greater than or equal to the set first threshold, setting the financial transaction related feature as the financial transaction feature; If the financial transaction related feature is less than the set first threshold, the financial transaction related feature is eliminated.
[0008] Preferably, the central processor screens the data of the storage device according to the financial transaction characteristics, and obtains the associated historical transaction data of the financial transaction, specifically including the following steps: The central processing unit arranges and combines multiple groups of financial transaction features to obtain several groups of financial transaction search keywords; The central processing unit compares the plurality of groups of financial transaction search keywords with a set second threshold value to obtain a plurality of groups of financial transaction search keywords; The central processing unit performs search processing on the storage device according to the multiple groups of financial transaction search keywords to obtain the associated historical transaction data of the financial transaction.
[0009] Preferably, the central processor compares several groups of financial transaction search keywords with the set second threshold value to obtain multiple groups of financial transaction search keywords, specifically comprising the following steps: The central processing unit compares a plurality of groups of financial transaction search keywords with a set second threshold value; If the number of characteristic words in the financial transaction search keyword is greater than or equal to the set second threshold, the financial transaction search keyword is set as the search term; If the number of characteristic words within the financial transaction search keyword is less than the set second threshold, the financial transaction search keyword is eliminated.
[0010] Preferably, the central processor-based data analysis of the associated historical transaction data of the financial transaction to obtain the risk feature information specifically includes the following steps: The central processing unit draws a curve for the associated historical transaction data of the financial transaction using funds and time as parameters to obtain a funds change curve, wherein the X-axis parameter of the funds change curve is time, and the Y-axis parameter of the funds change curve is funds; The central processing unit calculates the difference of the fund data of adjacent time intervals to obtain the fund difference, and the specific expression of the fund difference is (difference, time interval); The central processing unit continuously analyzes the fund difference to determine when the risk occurs; The central processing unit retrieves, analyzes and processes the historical transaction data associated with financial transactions based on the time when the risk occurred, and obtains risk feature information; The central processor continuously analyzes the fund difference to determine the time of risk occurrence, which specifically includes the following steps: The central processing unit analyzes and processes the capital difference. When the capital difference is negative and the capital difference in subsequent time intervals is negative, the time interval in which the first capital difference is negative is recorded and the time interval is set as the time when the risk occurs.
[0011] Preferably, the matching process of the financial transaction characteristics and the risk characteristic information based on the central processor to obtain the financial transaction risk coefficient specifically includes the following steps: The central processing unit matches the risk feature information with the financial transaction features as parameters to obtain the overlapping feature information; The central processing unit calculates and processes the coincidence feature information and the risk feature information to obtain the financial transaction risk coefficient; The specific calculation formula for obtaining the financial transaction risk coefficient is:
[0012] In the formula, is the risk factor of financial transactions; is the overlapping feature information; j is the number of overlapping feature information; is the risk characteristic information; k is the number of risk characteristic information.
[0013] Preferably, the central processor is used to compare and judge the financial transaction risk coefficient to determine the financial transaction risk level, which specifically includes the following steps: The central processing unit analyzes and processes the specific files of the business to be subject to financial transactions and the time when the risk occurs, and obtains the analysis result, wherein the analysis result specifically includes whether to compare and judge the risk coefficient of the financial transaction; If the analysis result is to compare and judge the risk coefficient of financial transactions; The central processing unit determines the risk factor of financial transactions; If the financial transaction risk coefficient is greater than or equal to the set third threshold, the risk level of the financial transaction to be conducted is high risk; If the financial transaction risk coefficient is less than the set third threshold and greater than or equal to the set fourth threshold, the risk level of the financial transaction to be conducted is medium risk; If the financial transaction risk coefficient is less than the set fourth threshold, the risk level of the financial transaction to be conducted is low risk.
[0014] Preferably, the central processor analyzes and processes the specific files of the business to be subject to financial transactions and the time when the risk occurs, and obtaining the analysis results specifically includes the following steps: The central processing unit analyzes and processes the specific files of the business to be subject to the financial transaction and determines the duration of the financial transaction; The central processing unit determines the duration of financial transactions and the time when risks occur; If the duration of a financial transaction is shorter than the time when the risk occurs, there is no need to compare and judge the risk coefficient of the financial transaction, and there is no need to determine the risk level of the financial transaction; If the duration of a financial transaction is greater than or equal to the time when the risk occurs, it is necessary to compare and judge the risk coefficient of the financial transaction.
[0015] Furthermore, a risk identification system based on financial transactions is proposed, which is used to implement the risk identification method based on financial transactions as described above, including: A central processing unit, which is used to read, analyze and process various data to determine the risk level of financial transactions; A storage device, the storage device being used to store historical transaction data associated with financial transactions; The central processing unit internally integrates: A control module, which is used to control data transmission and information interaction between various modules; A data retrieval module, the data retrieval module is used to perform data retrieval on the storage device to obtain associated historical transaction data of the financial transaction; A curve construction module, wherein the curve construction module uses funds and time as parameters to construct a funds change curve; A data analysis module, which classifies, screens, and sorts specific files of the business to be subject to financial transactions, obtains multiple sets of financial transaction-related features, and is used to perform continuity analysis on fund differences to determine when risks occur; A search keyword generation module, wherein the search keyword generation module arranges and combines multiple groups of financial transaction features to obtain several groups of financial transaction search keywords; A data calculation module, which is used to calculate and process various data to obtain capital differences and financial transaction risk coefficients; The comparison and judgment module is used to compare and judge various data to obtain financial transaction characteristics, financial transaction search keywords, and financial transaction risk levels.
[0016] Compared with the prior art, the present invention provides a risk identification method and system based on financial transactions, which has the following beneficial effects: The present invention performs feature analysis on the business to be subject to financial transactions, determines the financial transaction features, screens all completed financial projects in the storage device according to the financial transaction features, determines the associated historical transaction data of the financial transactions, thereby reducing the time for business risk analysis of the financial transactions to be conducted and reducing the computing power of the server. In addition, the risk occurrence time is predicted, so that users can make real-time adjustments to the projects to be subject to financial transactions according to the risk occurrence time to avoid large financial losses. BRIEF DESCRIPTION OF THE DRAWINGS
[0017] Figure 1 This is a flow chart of steps S100-S500 in a risk identification method based on financial transactions proposed by the present invention; Figure 2 This is a flow chart of steps S101-S104 in a risk identification method based on financial transactions proposed by the present invention; Figure 3 This is a flow chart of steps S1041-S1046 in a risk identification method based on financial transactions proposed by the present invention; Figure 4 This is a flow chart of steps S201-S203 in a risk identification method based on financial transactions proposed by the present invention; Figure 5 This is a flow chart of steps S2021-S2023 in a risk identification method based on financial transactions proposed by the present invention; Figure 6 This is a flow chart of steps S301-S304 in a risk identification method based on financial transactions proposed by the present invention; Figure 7 This is a flow chart of steps S401-S402 in a risk identification method based on financial transactions proposed by the present invention; Figure 8This is a flow chart of steps S501-S506 in a risk identification method based on financial transactions proposed by the present invention; Fig. 9 This is a flow chart of steps S5011-S5014 in a risk identification method based on financial transactions proposed by the present invention; Fig.10 This is a structural block diagram of a risk identification system based on financial transactions proposed by the present invention. DETAILED DESCRIPTION
[0018] The following description is used to disclose the present invention so that those skilled in the art can implement the present invention. The preferred embodiments described below are only examples, and those skilled in the art may think of other obvious variations.
[0019] Reference Figure 1 As shown, a risk identification method based on financial transactions includes: S100, based on the central processor, performing feature analysis on the business to be subject to financial transaction, and obtaining financial transaction features; S200, the central processing unit screens data from the storage device according to the financial transaction characteristics to obtain associated historical transaction data of the financial transaction; S300, based on the central processor, performing data analysis on the associated historical transaction data of the financial transaction to obtain risk feature information; S400, based on the central processor, matching and processing the financial transaction characteristics and risk characteristic information to obtain the financial transaction risk coefficient; S500, based on the central processing unit, comparing and judging the financial transaction risk coefficient to determine the financial transaction risk level; It is understandable to those skilled in the art that risks may arise during the transaction process of the business to be financially traded, resulting in financial losses. Therefore, by analyzing the specific documents of the business to be financially traded, the key features of the business to be financially traded are determined, and then these key features are arranged and combined to obtain multiple groups of search terms composed of key feature combinations. In order to reduce the time and amount of calculation for risk analysis, the search terms of the key feature combinations are screened, and the items of completed financial transactions are searched through the screened search terms to obtain related historical transaction data of financial transactions that have a certain correlation with the business to be financially traded. In addition, the related historical transaction data of the financial transactions and the financial transaction features are matched and analyzed to determine the financial transaction risk coefficient. Finally, the risk level of the financial transaction to be conducted is determined by judging the financial transaction risk coefficient.
[0020] Reference Figure 2As shown, based on the central processor, the characteristic analysis of the business to be carried out for financial transactions and obtaining the characteristics of financial transactions specifically include the following steps: S101. Obtain the specific name of the business to be traded; S102, the central processing unit performs information retrieval according to the specific name of the business to be financially traded, and determines the specific file location of the business to be financially traded; S103, the central processing unit reads data according to the specific file location of the business to be financially traded, and obtains the specific file of the business to be financially traded; S104, the central processing unit performs feature analysis on specific files of the business to be subject to financial transaction, and obtains financial transaction features; In this embodiment, before conducting a financial transaction, detailed planning will be carried out and relevant documents such as a plan will be written. Therefore, the specific name of the business to be conducted is searched to obtain relevant documents, and the relevant documents are analyzed to screen out the financial transaction characteristics.
[0021] Reference Figure 3 As shown, the central processor performs feature analysis on the specific files of the business to be subject to financial transactions, and obtaining the financial transaction features specifically includes the following steps: S1041, the central processing unit classifies and processes specific files of the business to be subject to financial transactions, and obtains a collection of multiple sets of part-of-speech information; S1042, the central processing unit screens and processes the multiple sets of part-of-speech information collections to obtain a collection of part-of-speech information related to financial transactions; S1043, the central processing unit performs bubble sorting on the collection of part-of-speech information related to financial transactions to obtain multiple groups of financial transaction related features; S1044, the central processing unit compares and judges the plurality of sets of financial transaction related features and the set first threshold respectively; S1045. If the financial transaction related feature is greater than or equal to the set first threshold, set the financial transaction related feature as the financial transaction feature; S1046. If the financial transaction related feature is less than the set first threshold, remove the financial transaction related feature; In this embodiment, the specific files in the project to be financially traded are described in text. Therefore, in order to quickly screen out the financial transaction features, the specific files are classified into parts of speech, and words with the same part of speech are grouped together, such as nouns, adjectives, verbs, etc., and irrelevant words are eliminated. It is worth noting that after the irrelevant words are eliminated, the more frequently the words appear, the more likely they are to be the key features of the project. Therefore, the financial transaction features are determined by screening the number of times the words appear.
[0022] Reference Figure 4 As shown, the central processor screens the data of the storage device according to the financial transaction characteristics, and obtains the associated historical transaction data of the financial transaction, which specifically includes the following steps: S201, the central processing unit arranges and combines multiple groups of financial transaction features to obtain several groups of financial transaction search keywords; S202, the central processing unit compares the plurality of groups of financial transaction search keywords with a set second threshold value to obtain a plurality of groups of financial transaction search keywords; S203: The central processing unit performs search processing on the storage device according to the multiple groups of financial transaction search keywords to obtain the associated historical transaction data of the financial transaction.
[0023] Reference Figure 5 As shown, the central processor compares several groups of financial transaction search keywords with the set second threshold value, and obtains multiple groups of financial transaction search keywords, specifically including the following steps: S2021, the central processing unit compares the plurality of groups of financial transaction search keywords with the set second threshold value; S2022: If the number of characteristic words in the financial transaction search keyword is greater than or equal to the set second threshold, the financial transaction search keyword is set as a search term; S2023. If the number of characteristic words in the financial transaction search keyword is less than the set second threshold, the financial transaction search keyword is eliminated; In this embodiment, in order to filter out the associated historical transaction data of financial transactions and also to avoid filtering out too many files, multiple groups of financial transaction features are arranged and combined. In order to further reduce the analysis time and the amount of calculation, the financial transaction search keywords obtained by the arrangement and combination are filtered, and those with fewer arrangement and combination keywords are eliminated. This is because the fewer keywords, the lower the correlation with the project to be financially traded, so they are filtered.
[0024] Reference Figure 6 As shown, based on the central processor, data analysis is performed on the associated historical transaction data of financial transactions to obtain risk feature information, which specifically includes the following steps: S301, the central processing unit draws a curve for the associated historical transaction data of the financial transaction using funds and time as parameters to obtain a funds change curve, wherein the X-axis parameter of the funds change curve is time, and the Y-axis parameter of the funds change curve is funds; S302, the central processing unit performs difference calculation on the fund data of adjacent time intervals to obtain a fund difference value, wherein the fund difference value is specifically expressed in the form of (difference value, time interval); S303, the central processing unit performs continuous analysis on the fund difference to determine the time when the risk occurs; S304, the central processing unit retrieves, analyzes and processes the associated historical transaction data of the financial transaction according to the time when the risk occurred, and obtains risk feature information; The central processor continuously analyzes the fund difference to determine the time of risk occurrence, which specifically includes the following steps: The central processing unit analyzes and processes the fund difference. When the fund difference is negative, and the fund difference in the subsequent time intervals is negative, the first time interval in which the fund difference is negative is recorded, and the time interval is set as the risk occurrence time. In this embodiment, during the financial transaction process, funds will change to a certain extent, with an increase or decrease in funds. When funds continue to decrease, it means that there is a risk in the financial transaction. Therefore, by drawing a fund change curve and calculating adjacent time intervals, the fund difference is obtained. When the fund difference is always negative, it means that the financial transaction has encountered a risk. Therefore, the time corresponding to the first negative number when the fund difference is continuously negative is the risk occurrence time, and the related historical transaction data of the financial transaction is retrieved through the risk occurrence time, and the data corresponding to the time interval when the risk occurs is feature extracted to obtain risk feature information.
[0025] Reference Figure 7 As shown, based on the central processor, matching and processing the financial transaction characteristics and risk characteristic information, obtaining the financial transaction risk coefficient specifically includes the following steps: S401, the central processing unit performs matching processing on the risk feature information using the financial transaction feature as a parameter to obtain overlapping feature information; S402, the central processing unit calculates and processes the coincidence feature information and the risk feature information to obtain a financial transaction risk coefficient; The specific calculation formula for obtaining the financial transaction risk coefficient is:
[0026] In the formula, is the risk factor of financial transactions; is the overlapping feature information; j is the number of overlapping feature information; is the risk characteristic information; k is the number of risk characteristic information; In this embodiment, in order to determine the risk coefficient of the business to be conducted in the financial transaction, the risk feature information is matched with the financial transaction characteristics as parameters, the overlapping feature information is obtained, and the financial transaction risk coefficient is set according to the proportion of the overlapping feature information in the risk feature information. Finally, the financial transaction risk coefficient is analyzed and judged to determine the financial transaction risk level.
[0027] Reference Figure 8As shown, based on the central processor, the financial transaction risk coefficient is compared and judged, and the financial transaction risk level is determined, which specifically includes the following steps: S501. The central processing unit analyzes and processes specific files of the business to be subject to financial transactions and the time when the risk occurs, and obtains analysis results, wherein the analysis results specifically include whether to compare and judge the risk coefficient of the financial transaction; S502. If the analysis result is to compare and judge the risk coefficient of financial transactions; S503, the central processing unit determines the risk factor of the financial transaction; S504: If the financial transaction risk coefficient is greater than or equal to the set third threshold, the risk level of the financial transaction to be conducted is high risk; S505: If the financial transaction risk coefficient is less than the set third threshold value and greater than or equal to the set fourth threshold value, the risk level of the financial transaction to be conducted is medium risk; S506: If the financial transaction risk coefficient is less than the set fourth threshold, the risk level of the financial transaction to be conducted is low risk.
[0028] Reference Fig. 9 As shown, the central processor analyzes and processes the specific files of the business to be subject to financial transactions and the time when the risk occurs, and obtaining the analysis results specifically includes the following steps: S5011. The central processing unit analyzes and processes the specific files of the business to be subject to the financial transaction, and determines the duration of the financial transaction; S5012, the central processing unit determines and processes the duration of the financial transaction and the time when the risk occurs; S5013. If the duration of a financial transaction is shorter than the time when the risk occurs, there is no need to compare and judge the financial transaction risk coefficient, and there is no need to determine the financial transaction risk level; S5014. If the duration of the financial transaction is greater than or equal to the time when the risk occurs, it is necessary to compare and judge the risk coefficient of the financial transaction; In this embodiment, a financial transaction is a continuous time process. Therefore, the specific documents of the business to be subject to financial transactions are analyzed to determine the duration of the financial transactions, which is then compared with the risk occurrence time to determine whether the time when the financial transaction is completed is before the risk occurrence time. If the transaction is completed before the risk occurrence time, it means that the probability of the financial transaction encountering risks is small. If the transaction is completed after the risk occurrence time, it means that the probability of the financial transaction encountering risks is high.
[0029] Reference Fig.10 As shown, a risk identification system based on financial transactions is used to implement the risk identification method based on financial transactions as described above, including: A central processing unit, which is used to read, analyze and process various data to determine the risk level of financial transactions; A storage device, the storage device being used to store historical transaction data associated with financial transactions; The central processing unit internally integrates: A control module, which is used to control data transmission and information interaction between various modules; A data retrieval module, the data retrieval module is used to perform data retrieval on the storage device to obtain associated historical transaction data of the financial transaction; A curve construction module, wherein the curve construction module uses funds and time as parameters to construct a funds change curve; A data analysis module, which classifies, screens, and sorts specific files of the business to be subject to financial transactions, obtains multiple sets of financial transaction-related features, and is used to perform continuity analysis on fund differences to determine when risks occur; A search keyword generation module, wherein the search keyword generation module arranges and combines multiple groups of financial transaction features to obtain several groups of financial transaction search keywords; A data calculation module, which is used to calculate and process various data to obtain capital differences and financial transaction risk coefficients; The comparison and judgment module is used to compare and judge various data to obtain financial transaction characteristics, financial transaction search keywords, and financial transaction risk levels.
[0030] The above shows and describes the basic principles, main features and advantages of the present invention. Those skilled in the art should understand that the present invention is not limited to the above embodiments. The above embodiments and descriptions only describe the principles of the present invention. The present invention may be subject to various changes and improvements without departing from the spirit and scope of the present invention. These changes and improvements fall within the scope of the present invention. The scope of protection claimed by the present invention is defined by the attached claims and their equivalents.
Claims
1. A risk identification method based on financial transactions, characterized in that: include: Based on the central processor, feature analysis is performed on the business to be subject to financial transactions to obtain financial transaction features; The central processing unit screens data from the storage device according to the characteristics of the financial transaction and obtains the associated historical transaction data of the financial transaction; Based on the central processor, data analysis is performed on the associated historical transaction data of financial transactions to obtain risk characteristic information; Based on the central processor, the financial transaction characteristics and risk characteristic information are matched and processed to obtain the financial transaction risk coefficient; Based on the central processing unit, the financial transaction risk coefficient is compared and judged to determine the financial transaction risk level.
2. A risk identification method based on financial transactions according to claim 1, characterized in that: The central processor is used to analyze the characteristics of the business to be traded and obtain the characteristics of the financial transaction, which specifically includes the following steps: Obtain the specific name of the business to be carried out in the financial transaction; The central processing unit performs information retrieval based on the specific name of the business to be traded financially, and determines the specific file location of the business to be traded financially; The central processing unit reads data according to the specific file location of the business to be financially traded, and obtains the specific file of the business to be financially traded; The central processing unit performs feature analysis on specific files of the business to be subject to financial transactions, and obtains financial transaction features.
3. A risk identification method based on financial transactions according to claim 2, characterized in that: The central processor performs feature analysis on specific files of the business to be subject to financial transactions, and obtaining the features of financial transactions specifically includes the following steps: The central processing unit classifies and processes specific documents of the business to be subject to financial transactions, and obtains a collection of multiple sets of part-of-speech information; The central processing unit screens and processes the multiple sets of part-of-speech information collections to obtain a collection of part-of-speech information related to financial transactions; The central processing unit performs bubble sorting on the collection of part-of-speech information related to financial transactions to obtain multiple groups of financial transaction related features; The central processing unit compares and judges the plurality of sets of financial transaction-related features and the set first threshold respectively; If the financial transaction related feature is greater than or equal to the set first threshold, setting the financial transaction related feature as the financial transaction feature; If the financial transaction related feature is less than the set first threshold, the financial transaction related feature is eliminated.
4. A risk identification method based on financial transactions according to claim 1, characterized in that: The central processor screens the data of the storage device according to the financial transaction characteristics to obtain the associated historical transaction data of the financial transaction, which specifically includes the following steps: The central processing unit arranges and combines multiple groups of financial transaction features to obtain several groups of financial transaction search keywords; The central processing unit compares the plurality of groups of financial transaction search keywords with a set second threshold value to obtain a plurality of groups of financial transaction search keywords; The central processing unit performs search processing on the storage device according to the multiple groups of financial transaction search keywords to obtain the associated historical transaction data of the financial transaction.
5. A risk identification method based on financial transactions according to claim 4, characterized in that: The central processor compares the plurality of groups of financial transaction search keywords with the set second threshold value to obtain the plurality of groups of financial transaction search keywords, specifically comprising the following steps: The central processing unit compares a plurality of groups of financial transaction search keywords with a set second threshold value; If the number of characteristic words in the financial transaction search keyword is greater than or equal to the set second threshold, the financial transaction search keyword is set as the search term; If the number of characteristic words within the financial transaction search keyword is less than the set second threshold, the financial transaction search keyword is eliminated.
6. A risk identification method based on financial transactions according to claim 1, characterized in that: The central processor is used to analyze the historical transaction data associated with financial transactions to obtain risk feature information, which specifically includes the following steps: The central processing unit draws a curve for the associated historical transaction data of the financial transaction using funds and time as parameters to obtain a funds change curve, wherein the X-axis parameter of the funds change curve is time, and the Y-axis parameter of the funds change curve is funds; The central processing unit calculates the difference of the fund data of adjacent time intervals to obtain the fund difference, and the specific expression of the fund difference is (difference, time interval); The central processing unit continuously analyzes the fund difference to determine when the risk occurs; The central processing unit retrieves, analyzes and processes the historical transaction data associated with financial transactions based on the time when the risk occurred, and obtains risk feature information; The central processor performs continuous analysis on the fund difference to determine the time of risk occurrence, which specifically includes the following steps: The central processing unit analyzes and processes the capital difference. When the capital difference is negative and the capital difference in subsequent time intervals is negative, the time interval in which the first capital difference is negative is recorded and the time interval is set as the time when the risk occurs.
7. A risk identification method based on financial transactions according to claim 1, characterized in that: The central processor is used to match the financial transaction characteristics and risk characteristic information to obtain the financial transaction risk coefficient, which specifically includes the following steps: The central processing unit matches the risk feature information with the financial transaction features as parameters to obtain the overlapping feature information; The central processing unit calculates and processes the coincidence feature information and the risk feature information to obtain the financial transaction risk coefficient; The specific calculation formula for obtaining the financial transaction risk coefficient is: In the formula, is the risk factor of financial transactions; is the overlapping feature information; j is the number of overlapping feature information; is the risk characteristic information; k is the number of risk characteristic information.
8. A risk identification method based on financial transactions according to claim 1, characterized in that: The central processor is used to compare and judge the financial transaction risk coefficient to determine the financial transaction risk level, which specifically includes the following steps: The central processing unit analyzes and processes the specific files of the business to be subject to financial transactions and the time when the risk occurs, and obtains the analysis result, wherein the analysis result specifically includes whether to compare and judge the risk coefficient of the financial transaction; If the analysis result is to compare and judge the risk coefficient of financial transactions; The central processing unit determines the risk factor of financial transactions; If the financial transaction risk coefficient is greater than or equal to the set third threshold, the risk level of the financial transaction to be conducted is high risk; If the financial transaction risk coefficient is less than the set third threshold and greater than or equal to the set fourth threshold, the risk level of the financial transaction to be conducted is medium risk; If the financial transaction risk coefficient is less than the set fourth threshold, the risk level of the financial transaction to be conducted is low risk.
9. A risk identification method based on financial transactions according to claim 8, characterized in that: The central processor analyzes and processes the specific files of the business to be traded and the time when the risk occurs, and obtaining the analysis results specifically includes the following steps: The central processing unit analyzes and processes the specific files of the business to be subject to financial transactions and determines the duration of the financial transactions; The central processing unit determines the duration of financial transactions and the time when risks occur; If the duration of a financial transaction is shorter than the time when the risk occurs, there is no need to compare and judge the risk coefficient of the financial transaction, and there is no need to determine the risk level of the financial transaction; If the duration of a financial transaction is greater than or equal to the time when the risk occurs, it is necessary to compare and judge the risk coefficient of the financial transaction.
10. A risk identification system based on financial transactions, used to implement a risk identification method based on financial transactions as claimed in any one of claims 1 to 9, characterized in that: include: A central processing unit, which is used to read, analyze and process various data to determine the risk level of financial transactions; A storage device, the storage device being used to store historical transaction data associated with financial transactions; The central processing unit internally integrates: A control module, which is used to control data transmission and information interaction between various modules; A data retrieval module, the data retrieval module is used to perform data retrieval on the storage device to obtain associated historical transaction data of the financial transaction; A curve construction module, wherein the curve construction module uses funds and time as parameters to construct a funds change curve; A data analysis module, which classifies, screens, and sorts specific files of the business to be subject to financial transactions, obtains multiple sets of financial transaction-related features, and is used to perform continuity analysis on fund differences to determine when risks occur; A search keyword generation module, wherein the search keyword generation module arranges and combines multiple groups of financial transaction features to obtain several groups of financial transaction search keywords; A data calculation module, which is used to calculate and process various data to obtain fund differences and financial transaction risk coefficients; The comparison and judgment module is used to compare and judge various data to obtain financial transaction characteristics, financial transaction search keywords, and financial transaction risk levels.