Data system based on bank information

Abstract

The invention discloses a data system based on bank information, which relates to the technical field of bank information and comprises a user data information management module, a bank information data module, a safety supervision module and a customization management module. Through setting the user data information management module, the bank information data module, the safety supervision module and the customization management module, a perfect data system is constructed, in actual use, the user data information management module automatically collects processing and tracking of consultation, complaint and service requests of users, relation management and maintenance are carried out on different users, and the user experience is improved. A comprehensive solution is provided for the bank industry, the operation efficiency of bank services is improved, potential risks are effectively reduced, bank information data and corresponding analysis results are managed, visualized and stored, bank information management can be achieved through internet-of-things cloud management and control, and the bank information management efficiency is improved. And the intelligent level of bank information management is improved.

Description

Technical Field

[0001] The present invention relates to the field of banking information technology, and in particular to a data system based on banking information. Background Art

[0002] In recent years, the level of informatization in banking operations has continued to increase, but the processing, storage, analysis, and exchange of banking information still face many challenges. In particular, there are certain technical bottlenecks in inter-bank data exchange, user privacy protection, and real-time data analysis.

[0003] Chinese Patent Publication No. 200510090163.4 discloses a data system based on bank information, comprising an interconnected business manager subsystem, a user manager subsystem, a business management subsystem, and a technical management subsystem. The user manager subsystem is used to upload marketing information and problem information to the business manager subsystem during the bank's marketing process. The business management subsystem provides business support for the normal operation of the user manager subsystem and business manager subsystem, while the technical management subsystem provides technical support for the normal operation of the user manager subsystem, business manager subsystem, and business management subsystem. Therefore, the present invention is easy to use, saving users time; has low maintenance and construction costs, saving money compared to existing systems; and has excellent confidentiality and is very safe to use.

[0004] The above scheme still has the following problems: In the existing technology, there are significant defects in the fields of data security and privacy protection, as well as user personalized services. At the same time, when it is necessary to query each link, there is a problem of cumbersome procedures. On the one hand, it increases the learning cost of the staff, and on the other hand, it is impossible to effectively monitor the bank information data in real time. The overall intelligent management level is low and it is difficult to meet the needs of normal use. Therefore, the present invention needs to design a data system based on bank information to solve the above problems. Summary of the Invention

[0005] The purpose of the present invention is to provide a data system based on bank information in order to solve the above problems, thereby solving the problems mentioned in the background technology.

[0006] In order to solve the above problems, the present invention provides a technical solution: A data system based on bank information, comprising a user data information management module, a bank information data module, a security supervision module, and a customization management module. The customization management module maintains real-time data intercommunication and sharing with the user data information management module, the bank information data module, and the security supervision module via the Internet of Things. A staff member logs into the customization management module to enter the data system and view the real-time operating data of the user data information management module, the bank information data module, and the security supervision module one by one. The user data information management module is used to automatically collect user inquiries, complaints, and service requests, process and track them, conduct targeted marketing based on user data, push personalized products and services, and manage and maintain relationships with different users; The bank information data module is used to obtain user transaction data, account information, payment records and other related data from multiple bank channels, clean, remove noise, format and standardize the collected data, and ensure that data can be transmitted in real time and accurately by simplifying the integration between different systems, and conduct cross-bank data exchange; The security monitoring module is used to assess the credit risk of users based on their credit history and financial status, identify and prevent potential financial risks, strictly encrypt user data, and protect the security of user privacy information; The customized management module is used to achieve accurate user portraits through data analysis and user behavior modeling, provide personalized financial services and product recommendations, and at the same time establish an algorithm database, continuously update the algorithms within the database, and retrieve the corresponding algorithms required each time.

[0007] Preferably, the output ends of the user data information management module and the bank information data module are both communicatively connected to the input end of the security supervision module, and the security supervision module and the customization management module are bidirectionally communicatively connected.

[0008] Preferably, the user data information management module includes a user relationship management unit, a user data backup unit and a user data acquisition unit, the output end of the user data acquisition unit is communicatively connected to the input end of the user data backup unit, the user relationship management unit and the user data backup unit are bidirectionally communicatively connected, and the output end of the user data backup unit is communicatively connected to the input end of the security supervision module.

[0009] Preferably, the user relationship management unit is used to carry out targeted marketing based on user data, push personalized products and services, conduct marketing and promotion, and manage and maintain relationships with different users; The user data backup unit is used to record the user's basic information, transaction history, account information, generate a user file management library, and perform data backup; The user data collection unit is used to automatically collect and track users' inquiries, complaints, and service requests, classify and integrate the business information handled by users, establish a collection and search database, and query users' historical information by searching keywords.

[0010] Preferably, the bank information data module includes a bank information collection unit, a bank information data analysis unit and a bank information data integration unit, the output end of the bank information collection unit is communicatively connected to the input end of the bank information data integration unit, the output end of the bank information data integration unit is communicatively connected to the input end of the bank information data analysis unit, and the output end of the bank information data analysis unit is communicatively connected to the input end of the security supervision module.

[0011] Preferably, the bank information collection unit is used to obtain user transaction data, account information, payment records and other related data from multiple bank channels, clean, remove noise, format and standardize the collected data, and classify the collected data into account management related data, transaction processing related data, loan management related data, and settlement management related data; Account management related data: manage user account information, deposits, withdrawals, and balance inquiries; Transaction processing related data: processing transactions such as deposits, withdrawals, transfers, and bill payments; Loan management related data: manage loan applications, approvals, issuances, and repayments; Settlement management related data: processing clearing and settlement business; When collecting data, we use a variety of interface methods to ensure data security and real-time performance, including API interface, data transmission protocol, and encrypted channel; The bank information data analysis unit is used to conduct in-depth analysis of bank data based on big data analysis technology, providing user behavior analysis, transaction pattern recognition, and risk prediction functions. It uses machine learning algorithms to predict users' future behavior based on historical transaction data, including user churn, credit scoring, anti-fraud, etc. It visualizes the above-provided real-time data and presents the data analysis results in a table format to help formulate operational strategies; The bank information data integration unit is used to integrate data between different banks or different financial institutions, adopting API architecture and microservice architecture to simplify the integration between different systems, ensure that data can be transmitted in real time and accurately, and conduct cross-bank data exchange.

[0012] Preferably, the security supervision module includes a legal compliance monitoring unit, a data security management unit and an identity authentication unit. The output ends of the legal compliance monitoring unit and the identity authentication unit are both communicatively connected to the input end of the data security management unit, and the data security management unit is bidirectionally communicatively connected to the customized management module.

[0013] Preferably, the legal compliance monitoring unit is used to assess the credit risk of the user based on his / her credit history and financial status, and to identify and prevent potential financial risks, such as market risk, credit risk, etc.; The data security management unit is used to strictly encrypt user data to ensure the security of user privacy information, prevent data leakage and illegal access through technical means such as multi-factor authentication, permission management, and audit logs, and strengthen data encryption technology by combining end-to-end encryption, symmetric encryption and asymmetric encryption; The identity authentication unit is used for identity authentication and authorization, ensuring that only authorized users can access sensitive information, while protecting user account information and transaction data from being leaked.

[0014] Preferably, the customization management module includes a personalized customization unit, an algorithm management unit and an external data access unit, and the output ends of the personalized customization unit, the algorithm management unit and the external data access unit are all communicatively connected to the input end of the customization management module; The personalized customization unit is used to achieve accurate user profiling through data analysis and user behavior modeling, and provide personalized financial services and product recommendations; The algorithm management unit is used to establish an algorithm database, continuously update the algorithms in the database, retrieve the corresponding algorithms required each time, and perform pre-simulation; The external data access unit is used to access other industry data information and subsystem data information.

[0015] Preferably, the data system also includes an AI big model generation and management module, which is used to generate AI big models based on existing data using machine learning and deep learning algorithms, and continuously train, optimize and adjust the parameters of the model to ensure that the model can adapt to the actual needs of banking business. The model is trained through various algorithms, hyperparameter tuning is performed, and cross-validation and other technologies are used to optimize the performance of the model, so that the AI big model can be adjusted and optimized in real time according to the latest business data and changes, and these models are integrated into various aspects of banking business to help banks improve decision-making efficiency, risk control capabilities and user service levels.

[0016] The beneficial effects of the present invention are as follows: the present invention constructs a complete data system by providing a user data information management module, a bank information data module, a security supervision module, and a customization management module. In actual use, the user data information management module automatically collects and tracks user inquiries, complaints, and service requests, and manages and maintains relationships with different users. The bank information data module obtains user transaction data, account information, payment records, and other related data from multiple bank channels, cleans, de-noises, formats, and standardizes the collected data, and conducts inter-bank data exchange. The security supervision module assesses the credit risk of users based on their credit history and financial status, identifies and prevents potential financial risks, strictly encrypts user data, and protects the security of user privacy information. The customization management module is used to achieve accurate user profiling through data analysis and user behavior modeling, and provide personalized financial services and product recommendations. At the same time, an algorithm database is established, and the algorithms within the database are continuously updated. This provides a comprehensive solution for the banking industry, which not only improves the operational efficiency of banking business but also effectively reduces potential risks. The management, visualization, and storage of bank information data and corresponding analysis results help to achieve bank information management through Internet of Things cloud management and control, and improve the intelligent level of bank information management. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] For ease of explanation, the present invention is described in detail with reference to the following specific implementations and accompanying drawings.

[0018] Figure 1 This is an overall topology diagram of a data system based on bank information according to the present invention. DETAILED DESCRIPTION

[0019] like Figure 1 As shown, this specific embodiment adopts the following technical solutions: A data system based on bank information, comprising a user data information management module, a bank information data module, a security supervision module, and a customization management module. The customization management module maintains real-time data intercommunication and sharing with the user data information management module, the bank information data module, and the security supervision module via the Internet of Things. A staff member logs into the customization management module to access the data system and view the real-time operating data of the user data information management module, the bank information data module, and the security supervision module one by one. The output terminals of the user data information management module and the bank information data module are both communicatively connected to the input terminal of the security supervision module, and the security supervision module and the customization management module are in a two-way communication connection. The user data information management module is used to automatically collect user inquiries, complaints, and service requests, process and track them, conduct targeted marketing based on user data, push personalized products and services, and manage and maintain relationships with different users; The bank information data module is used to obtain user transaction data, account information, payment records and other related data from multiple bank channels, clean, remove noise, format and standardize the collected data, and ensure that data can be transmitted in real time and accurately by simplifying the integration between different systems, and conduct cross-bank data exchange; The security monitoring module is used to assess the credit risk of users based on their credit history and financial status, identify and prevent potential financial risks, strictly encrypt user data, and protect the security of user privacy information; The customized management module is used to achieve accurate user portraits through data analysis and user behavior modeling, provide personalized financial services and product recommendations, and at the same time establish an algorithm database, continuously update the algorithms within the database, and retrieve the corresponding algorithms required each time. In this scenario: The user data information management module includes a user relationship management unit, a user data backup unit and a user data collection unit, the output end of the user data collection unit is communicatively connected to the input end of the user data backup unit, the user relationship management unit and the user data backup unit are bidirectionally communicatively connected, and the output end of the user data backup unit is communicatively connected to the input end of the security supervision module; The user relationship management unit is used to carry out targeted marketing based on user data, push personalized products and services, conduct marketing and promotion, and manage and maintain relationships with different users; The user data backup unit is used to record the user's basic information, transaction history, account information, generate a user file management library, and perform data backup; The user data collection unit is used to automatically collect and track users' inquiries, complaints, and service requests, classify and integrate the business information handled by users, establish a collection and search database, and query users' historical information by searching keywords. In this scenario: The bank information data module includes a bank information collection unit, a bank information data analysis unit, and a bank information data integration unit. The output end of the bank information collection unit is communicatively connected to the input end of the bank information data integration unit. The output end of the bank information data integration unit is communicatively connected to the input end of the bank information data analysis unit. The output end of the bank information data analysis unit is communicatively connected to the input end of the security supervision module. The bank information collection unit is used to obtain user transaction data, account information, payment records and other related data from multiple bank channels, clean, remove noise, format and standardize the collected data, and classify the collected data into account management related data, transaction processing related data, loan management related data, and settlement management related data; Account management related data: manage user account information, deposits, withdrawals, and balance inquiries; Transaction processing related data: processing transactions such as deposits, withdrawals, transfers, and bill payments; Loan management related data: manage loan applications, approvals, issuances, and repayments; Settlement management related data: processing clearing and settlement business; When collecting data, we use a variety of interface methods to ensure data security and real-time performance, including API interface, data transmission protocol, and encrypted channel; The bank information data analysis unit is used to conduct in-depth analysis of bank data based on big data analysis technology, providing user behavior analysis, transaction pattern recognition, and risk prediction functions. It uses machine learning algorithms to predict users' future behavior based on historical transaction data, including user churn, credit scoring, anti-fraud, etc. It visualizes the above-provided real-time data and presents the data analysis results in a table format to help formulate operational strategies; The bank information data integration unit is used to integrate data between different banks or different financial institutions, adopting API architecture and microservice architecture to simplify the integration between different systems, ensure that data can be transmitted in real time and accurately, and conduct cross-bank data exchange. In this scenario: The security supervision module includes a legal compliance monitoring unit, a data security management unit and an identity authentication unit. The output ends of the legal compliance monitoring unit and the identity authentication unit are both communicatively connected to the input end of the data security management unit, and the data security management unit is bidirectionally communicatively connected to the customization management module.

[0020] The legal compliance monitoring unit is used to assess the credit risk of the user based on his or her credit history and financial status, and to identify and prevent potential financial risks, such as market risk and credit risk; The data security management unit is used to strictly encrypt user data to ensure the security of user privacy information, prevent data leakage and illegal access through technical means such as multi-factor authentication, permission management, and audit logs, and strengthen data encryption technology by combining end-to-end encryption, symmetric encryption and asymmetric encryption; The identity authentication unit is used for identity authentication and authorization, ensuring that only authorized users can access sensitive information, while protecting user account information and transaction data from being leaked. In this scenario: The customization management module includes a personalized customization unit, an algorithm management unit and an external data access unit, and the output ends of the personalized customization unit, the algorithm management unit and the external data access unit are all communicatively connected to the input end of the customization management module; The personalized customization unit is used to achieve accurate user profiling through data analysis and user behavior modeling, and provide personalized financial services and product recommendations; The algorithm management unit is used to establish an algorithm database, continuously update the algorithms in the database, retrieve the corresponding algorithms required each time, and perform pre-simulation; The external data access unit is used to access other industry data information and subsystem data information.

[0021] In this scenario: The data system also includes an AI large model generation and management module, which is used to generate AI large models based on existing data using machine learning and deep learning algorithms, and continuously train, optimize and adjust the parameters of the model to ensure that the model can adapt to the actual needs of banking business. The model is trained through various algorithms, hyperparameter tuning is performed, and cross-validation and other technologies are used to optimize the performance of the model, so that the AI large model can be adjusted and optimized in real time according to the latest business data and changes, and these models are integrated into various aspects of banking business to help banks improve decision-making efficiency, risk control capabilities and user service levels. Example

[0022] When the data system is connected to the bank information management: S1. The staff will test the power equipment required on-site and remotely one by one. After the test shows that they can be started and used normally, start the data system; S2. Generate an AI large model generation and management module. This module uses machine learning and deep learning algorithms to generate AI large models. The module continuously trains, optimizes, and adjusts model parameters to ensure that the models can adapt to the actual needs of banking services. The module uses various algorithms to train the models, performs hyperparameter tuning, and employs cross-validation and other techniques to optimize model performance. This module enables real-time adjustment and optimization of AI large models based on the latest business data and changes, and integrates these models into all aspects of banking services. S3. The bank information collection unit obtains user transaction data, account information, payment records and other related data from multiple bank channels, cleans, removes noise, formats and standardizes the collected data, and classifies the collected data into account management-related data, transaction processing-related data, loan management-related data, and settlement management-related data. The bank information data analysis unit uses big data analysis technology to conduct in-depth analysis of bank data, providing user behavior analysis, transaction pattern recognition, and risk prediction functions. It uses machine learning algorithms to predict users' future behavior based on historical transaction data, visualizes the above-provided real-time data, and presents data analysis results intuitively in the form of tables to help formulate operational strategies. The bank information data integration unit integrates data between different banks or different financial institutions, adopts API architecture and microservice architecture to simplify the integration between different systems, ensure that data can be transmitted in real time and accurately, and conduct cross-bank data exchange; S4. The user data collection unit automatically collects and tracks user inquiries, complaints, and service requests, classifies and integrates user-handled business information, establishes a collection and search database, and can query user historical information by searching for keywords. The user relationship management unit conducts targeted marketing based on user data, pushes personalized products and services, conducts marketing and promotion, and manages and maintains relationships with different users. The user data backup unit records user basic information, transaction history, and account information, creates a user profile management library, and performs data backup. S5. The identity authentication unit is used for identity verification and authorization, ensuring that only authorized users can access sensitive information while protecting user account information and transaction data from being leaked. The legal and compliance monitoring unit assesses the user's credit risk based on their credit history and financial status, identifying and preventing potential financial risks such as market risk and credit risk. The data security management unit is used to strictly encrypt user data to ensure the security of user privacy information. It prevents data leakage and unauthorized access through technical means such as multi-factor authentication, permission management, and audit logs. Data encryption technology is strengthened by combining end-to-end encryption and symmetric and asymmetric encryption. S6. The personalized customization unit uses data analysis and user behavior modeling to achieve accurate user portraits and provide personalized financial services and product recommendations. The algorithm management unit establishes an algorithm database, continuously updates the algorithms within the database, retrieves the corresponding algorithms required each time, and performs pre-simulation. The external data access unit accesses data information from other industries and subsystems to complete bank information processing.

[0023] Specifically: In actual applications, there are multiple security supervision modules, which are used in conjunction with the user data information management module, bank information data module and customized management module respectively. Multiple security supervision modules are located in different geographical locations. By setting up the user data information management module, bank information data module, security supervision module and customized management module, a complete data system is constructed. In actual use, the user data information management module automatically collects user consultations, complaints, and service requests for processing and tracking, and manages and maintains relationships with different users. The bank information data module obtains user transaction data, account information, payment records and other related data from multiple bank channels, cleans, denoises, formats and standardizes the collected data, and performs cross-bank data collection. According to data exchange, the security supervision module assesses the credit risk of users based on their credit history and financial status, identifies and prevents potential financial risks, strictly encrypts user data, and protects the security of user privacy information. The customized management module is used for data analysis and user behavior modeling to achieve accurate user portraits and provide personalized financial services and product recommendations. At the same time, an algorithm database is established and the algorithms within the database are continuously updated, providing a comprehensive solution for the banking industry, which not only improves the operational efficiency of banking business, but also effectively reduces potential risks. The management, visualization and storage of bank information data and corresponding analysis results will help to realize bank information management through IoT cloud management and control, and improve the intelligence level of bank information management.

[0024] Those skilled in the art will appreciate that the modules and method steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of the present invention.

[0025] Those skilled in the art will clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described devices, equipment and modules can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0026] The modules for user data management, banking information management, security supervision, and customization management may or may not be physically separate, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected to achieve the purpose of this embodiment as needed.

[0027] In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist physically separately, or two or more modules may be integrated into one module.

[0028] In addition, it should be noted that the combination of the various technical features in this case is not limited to the combination described in the claims of this case or the combination described in the specific embodiments. All technical features recorded in this case can be freely combined or combined in any way unless there is a contradiction between them.

[0029] It should be noted that the above examples are merely specific embodiments of the present invention. Obviously, the present invention is not limited to the above examples, and many similar variations are possible. All variations directly derived from or associating with the present invention by those skilled in the art are intended to fall within the scope of protection of the present invention.

[0030] The above are only preferred embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A data system based on bank information, characterized in that: The data system includes a user data information management module, a bank information data module, a security supervision module, and a customization management module. The customization management module maintains real-time data communication and sharing with the user data information management module, the bank information data module, and the security supervision module through the Internet of Things. Staff can log into the customization management module to enter the data system and view the real-time operating data of the user data information management module, the bank information data module, and the security supervision module one by one; The user data information management module is used to automatically collect and process user inquiries, complaints, and service requests, and to manage and maintain relationships with different users; The bank information data module is used to obtain user transaction data, account information, payment records and other related data from multiple bank channels, clean, remove noise, format and standardize the collected data, and conduct cross-bank data exchange; The security monitoring module is used to assess the credit risk of users based on their credit history and financial status, identify and prevent potential financial risks, strictly encrypt user data, and protect the security of user privacy information; The customized management module is used to achieve accurate user portraits through data analysis and user behavior modeling, provide personalized financial services and product recommendations, and establish an algorithm database to continuously update the algorithms within the database.

2. The data system based on bank information according to claim 1, characterized in that: The output ends of the user data information management module and the bank information data module are both communicatively connected to the input end of the security supervision module, and the security supervision module and the customization management module are bidirectionally communicatively connected.

3. The data system based on bank information according to claim 1, characterized in that: The user data information management module includes a user relationship management unit, a user data backup unit and a user data acquisition unit. The output end of the user data acquisition unit is communicatively connected to the input end of the user data backup unit. The user relationship management unit and the user data backup unit are bidirectionally communicatively connected. The output end of the user data backup unit is communicatively connected to the input end of the security supervision module.

4. The data system based on bank information according to claim 3, characterized in that: The user relationship management unit is used to carry out targeted marketing based on user data, push personalized products and services, conduct marketing and promotion, and manage and maintain relationships with different users; The user data backup unit is used to record the user's basic information, transaction history, account information, generate a user file management library, and perform data backup; The user data collection unit is used to automatically collect and track users' inquiries, complaints, and service requests, classify and integrate the business information handled by users, and establish a collection and search database.

5. The data system based on bank information according to claim 1, characterized in that: The bank information data module includes a bank information collection unit, a bank information data analysis unit and a bank information data integration unit. The output end of the bank information collection unit is communicatively connected to the input end of the bank information data integration unit, the output end of the bank information data integration unit is communicatively connected to the input end of the bank information data analysis unit, and the output end of the bank information data analysis unit is communicatively connected to the input end of the security supervision module.

6. The data system based on bank information according to claim 5, characterized in that: The bank information collection unit is used to obtain user transaction data, account information, payment records and other related data from multiple bank channels, and clean, remove noise, format and standardize the collected data; The bank information data analysis unit is used to conduct in-depth analysis of bank data based on big data analysis technology, provide user behavior analysis, transaction pattern recognition, and risk prediction functions, and use machine learning algorithms to predict users' future behavior based on historical transaction data; The bank information data integration unit is used to integrate data between different banks or different financial institutions, simplifying the integration between different systems.

7. The data system based on bank information according to claim 1, characterized in that: The security supervision module includes a legal compliance monitoring unit, a data security management unit and an identity authentication unit. The output ends of the legal compliance monitoring unit and the identity authentication unit are both communicatively connected to the input end of the data security management unit, and the data security management unit is bidirectionally communicatively connected to the customization management module.

8. The data system based on bank information according to claim 7, characterized in that: The legal compliance monitoring unit is used to assess the credit risk of the user based on his credit history and financial status; The data security management unit is used to strictly encrypt user data to ensure the security of user privacy information; The identity authentication unit is used for identity authentication and authorization to ensure that only authorized users can access sensitive information.

9. The data system based on bank information according to claim 1, characterized in that: The customization management module includes a personalized customization unit, an algorithm management unit and an external data access unit, and the output ends of the personalized customization unit, the algorithm management unit and the external data access unit are all communicatively connected to the input end of the customization management module; The personalized customization unit is used to achieve accurate user portraits through data analysis and user behavior modeling; The algorithm management unit is used to establish an algorithm database and continuously update the algorithms within the database; The external data access unit is used to access other industry data information and subsystem data information.

10. The data system based on bank information according to claim 9, characterized in that: The data system also includes an AI large model generation and management module, which is used to generate an AI large model based on existing data using machine learning and deep learning algorithms, and continuously train, optimize and adjust the model parameters.

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