Article-to-thing asset replacement platform and use method thereof

Abstract

The invention relates to the technical field of asset replacement, in particular to an asset replacement platform capable of replacing things with things and a use method thereof, and the method comprises the following steps: 1, obtaining qualification, historical transaction data and asset information which are registered and uploaded by an enterprise on the platform, carrying out the normalization processing of the obtained qualification and historical transaction data, and obtaining a normalized database; fitting the normalized data to obtain an enterprise risk assessment model, and calculating an enterprise risk score R; and 2, obtaining a vector of the detailed data of the to-be-replaced assets of the enterprise and an artificial intelligence model used for calculating an asset evaluation value, and carrying out comprehensive evaluation on the assets by taking the detailed data of the to-be-replaced assets of the enterprise. According to the invention, a complete operation process of an asset replacement platform which transits things with things is formed from enterprise registration, asset information entry and dynamic evaluation, intelligent matching based on multivariable nonlinear matching and an incentive mechanism, secure transaction guarantee and fund hosting, and risk compensation and system continuous optimization.

Description

Technical Field

[0001] The present invention relates to the technical field of asset replacement, and in particular to a barter asset replacement platform and a method for using the same. Background Art

[0002] The barter asset exchange platform is a transaction model that does not rely on currency. With the help of Internet technology, users can exchange their own goods or services for those of others. This platform can not only help companies solve problems such as inventory backlogs and capital shortages, but also make full use of individuals' idle items and achieve optimal allocation and recycling of resources; In the existing technology, due to the lack of a complete risk assessment and incentive mechanism in traditional barter platforms, and the difficulty in accurately quantifying the asset pricing and matching process, companies are generally cautious about high-risk transactions, which affects the overall trading activity and market liquidity. Traditional methods are limited by simple linear models and manual control and cannot meet the needs of comprehensive balance of multiple variables. This makes companies less motivated to participate in platform transactions due to risk concerns, hindering the development of efficient resource replacement and safe circulation. Therefore, to address the above problems, a barter asset replacement platform and its use method are proposed. Summary of the Invention

[0003] The purpose of the present invention is to provide a barter asset exchange platform and its use method to solve the problem in the existing technology that due to the lack of a complete risk assessment and incentive mechanism in traditional barter platforms, and the difficulty in fine quantification of asset pricing and matching processes, enterprises are generally cautious about high-risk transactions, thereby affecting the overall trading activity and market liquidity. Traditional methods are limited by simple linear models and manual control and cannot meet the needs of comprehensive balance of multiple variables, which makes enterprises lack enthusiasm for participating in platform transactions due to risk concerns, hindering the development of efficient resource exchange and safe circulation.

[0004] To achieve the above object, the present invention provides the following technical solutions: A barter asset exchange platform and a method for using the same, comprising the following steps: Step 1: Obtain the qualifications, historical transaction data, and asset information that the enterprise has registered and uploaded on the platform, normalize the obtained qualifications and historical transaction data, and obtain the enterprise risk assessment model by fitting the normalized data to calculate the enterprise risk score R; Step 2: Obtain a vector of detailed data on the enterprise's assets to be replaced and an artificial intelligence model for calculating the asset valuation. Perform a comprehensive asset assessment by taking the detailed data of the enterprise's assets to be replaced, and use the obtained artificial intelligence model to calculate the asset valuation V; Step 3: Using the enterprise risk score R and the asset valuation V, perform a nonlinear balance calculation on the risk and asset differences between the two parties to obtain a matching score S. The calculation formula for the nonlinear balance calculation of the risk and asset differences between the two parties is:

[0005] Where, and are the assessed values of the assets of the two parties to the transaction, and The risk scores of both companies are respectively and are the standard deviation parameters of asset and risk volatility, and To balance the weight of each part’s contribution, is the normalization constant.

[0006] Step 4: After the match is successful, both parties confirm the transaction intention, the platform activates the transaction guarantee and fund custody mechanism, and freezes part of the funds , freeze some funds The calculation formula is:

[0007] Where F is the actual transaction amount, and P is adjusted by the transaction risk assessment module based on the enterprise credit parameters; Step 5: After both parties complete the transaction confirmation, the platform unfreezes part of the funds frozen in step 4 , and complete asset replacement; If a loss D occurs due to fluctuations in asset value, the platform will initiate a risk compensation procedure to compensate the risk compensation amount C. The calculation formula for the risk compensation amount C is:

[0008] Where, To compensate for the proportional factor, it is set by the platform's risk management strategy. To preset risk thresholds; Step 6: After the transaction is completed, obtain the transaction data fed back by both parties, analyze the obtained transaction data fed back by both parties, and dynamically optimize the smart matching and risk assessment model through the objective function. The mathematical expression of the objective function L is:

[0009] Where, Indicates the difference between the actual asset valuation and the matching expected value in the i-th transaction, Indicates the difference in risk scores between the two parties in the i-th transaction, represents the transaction rate of the i-th transaction, 、 and To adjust the weight, N is the cumulative number of transactions.

[0010] As a further optimization of the present invention, in step 1, the mathematical expression of the enterprise risk assessment model is:

[0011] Where, I is the result of normalizing the basic qualification information of the enterprise, T is the index after normalizing the historical transaction data, and is the preset weight coefficient, a parameter determined in data fitting, and e is the base of the natural logarithm.

[0012] As a further optimization of the present invention, in step 2, the mathematical expression of the artificial intelligence model is:

[0013] Where A is the vector of detailed data of the enterprise's assets to be replaced, Represents the p-norm of vector A, which is used to reflect the comprehensive magnitude of various asset indicators. and Calibrate the model parameters, logarithmic function Used to compress large numeric ranges.

[0014] As a further optimized content of the present invention, wherein: in said step three, 、 、 、 and , obtained by fitting historical data, and for transactions with matching scores lower than the preset critical value S, the platform provides incentive subsidies or fee reductions as incentives.

[0015] As a further optimization of the present invention, after the enterprise registration and information submission, the platform further processes the one-time key generated through negotiation using an error correction algorithm and a privacy amplification algorithm.

[0016] As a further optimization of the present invention, the platform is provided with a backup key mechanism, which automatically switches to the backup key based on the data in the backup key pool and the terminal feedback information when an abnormality is detected during key transmission or use.

[0017] As a further optimization of the present invention, after each round of transactions is completed, the platform aggregates the key status reports of each terminal to the central management server and analyzes the report data using anomaly detection means.

[0018] As a further optimization of the present invention, the platform adopts a dynamic key scheduling strategy to automatically adjust the key update delay according to the real-time network delay and terminal clock synchronization, ensuring that each terminal can consistently start using the newly generated one-time key within the predetermined time and form a complete key update record.

[0019] As a further optimization of the present invention, it includes: an enterprise registration and information processing module for collecting qualifications, historical transaction data and asset information submitted by the enterprise, normalizing the information, and building a risk assessment model based on the normalized data to calculate the enterprise risk score; The asset evaluation and listing module is used to obtain detailed data on the company's assets to be replaced, and use artificial intelligence models to conduct a comprehensive assessment of the assets to obtain the asset valuation; The intelligent matching module generates a matching score by performing a nonlinear balance calculation between the enterprise risk score and the asset valuation, and provides incentive subsidies or fee reduction measures for transactions based on the matching score; The transaction matching, guarantee and fund custody module is used to organize both parties to confirm the transaction intention after a successful match, and freeze the actual transaction amount according to the preset freezing ratio to ensure transaction security and fund custody; The key management and update module is used to report the status of, verify, and securely destroy the one-time keys used in each communication round. After the destruction is completed, the key for the next round is automatically generated and synchronously updated according to the preset scheduling policy. The risk compensation and feedback optimization module is used to initiate a risk compensation program for losses caused by asset value fluctuations after the transaction is completed, collect feedback data from both parties, and dynamically optimize the system through the objective function.

[0020] As a further optimized content of the present invention, it further includes a computer program, which is stored in a secure, tamper-proof medium and executed by a platform processor, and when executed by the platform processor, runs the steps in the method as described in any one of claims 1 to 8.

[0021] Compared with the prior art, the present invention has the following beneficial effects: 1. This invention comprises a complete operational process for a barter asset exchange platform, encompassing enterprise registration, asset information entry and dynamic assessment, intelligent matching based on multivariable nonlinear matching and incentive mechanisms, secure transaction guarantees and fund custody, and risk compensation and continuous system optimization. Complex mathematical expressions meticulously quantify factors such as risk, asset assessment, and matching accuracy, enabling the platform to adjust incentives and compensation measures in real time, thereby reducing enterprise transaction risks and enhancing overall platform transaction activity, ultimately achieving efficient exchange and secure transfer of market resources. 2. In this invention, the platform, through modular construction, realizes the coordinated operation of enterprise information collection, asset evaluation and intelligent matching, effectively solving the problem of inaccurate pricing and transaction matching caused by data heterogeneity. At the same time, the introduction of the backup key mechanism and dynamic key scheduling strategy ensures the continuity of the transaction process and key synchronization in a multi-terminal environment, enhances the stability and risk prevention and control capabilities of the system, and further improves the trust of enterprises in the platform and their enthusiasm for participation; 3. In the present invention, the platform realizes full monitoring and protection of asset and fund security during the transaction process through automated fund custody, guarantee and risk compensation mechanisms, reducing the risk of transaction losses caused by market fluctuations. By centrally reporting keys and transaction status information, the platform can promptly discover and handle abnormal situations, and continuously improve the matching algorithm and risk assessment accuracy through continuous feedback optimization, thus building an efficient, transparent and controllable replacement ecosystem for enterprises. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] Figure 1 A flowchart of a method for using a barter asset exchange platform according to the present invention; Figure 2 This is a system block diagram of a barter asset replacement platform of the present invention. DETAILED DESCRIPTION

[0023] See also Figure 1-2 , the present invention provides a technical solution: A barter asset exchange platform and a method for using the same, comprising the following steps: Step 1: Obtain the qualifications, historical transaction data, and asset information that the enterprise has registered and uploaded on the platform, normalize the obtained qualifications and historical transaction data, and obtain the enterprise risk assessment model by fitting the normalized data to calculate the enterprise risk score R; Step 2: Obtain a vector of detailed data on the enterprise's assets to be replaced and an artificial intelligence model for calculating the asset valuation. Perform a comprehensive asset assessment by taking the detailed data of the enterprise's assets to be replaced, and use the obtained artificial intelligence model to calculate the asset valuation V; Step 3: Using the enterprise risk score R and the asset valuation V, perform a nonlinear balance calculation on the risk and asset differences between the two parties to obtain a matching score S. The calculation formula for the nonlinear balance calculation of the risk and asset differences between the two parties is:

[0024] Where, and are the assessed values of the assets of the two parties to the transaction, and The risk scores of both companies are respectively and are the standard deviation parameters of asset and risk volatility, and To balance the weight of each part’s contribution, is the normalization constant.

[0025] Step 4: After the match is successful, both parties confirm the transaction intention, the platform activates the transaction guarantee and fund custody mechanism, and freezes part of the funds , freeze some funds The calculation formula is:

[0026] Where F is the actual transaction amount, and P is adjusted by the transaction risk assessment module based on the enterprise credit parameters; Step 5: After both parties complete the transaction confirmation, the platform unfreezes part of the funds frozen in step 4 , and complete asset replacement; If a loss D occurs due to fluctuations in asset value, the platform will initiate a risk compensation procedure to compensate the risk compensation amount C. The calculation formula for the risk compensation amount C is:

[0027] Where, To compensate for the proportional factor, it is set by the platform's risk management strategy. To preset risk thresholds; Step 6: After the transaction is completed, obtain the transaction data fed back by both parties, analyze the obtained transaction data fed back by both parties, and dynamically optimize the smart matching and risk assessment model through the objective function. The mathematical expression of the objective function L is:

[0028] Where, Indicates the difference between the actual asset valuation and the matching expected value in the i-th transaction, Indicates the difference in risk scores between the two parties in the i-th transaction, represents the transaction rate of the i-th transaction, 、 and To adjust the weight, N is the cumulative number of transactions. This usage method constitutes a complete operational process from enterprise registration, asset information entry and dynamic evaluation, intelligent matching based on multivariable nonlinear matching and incentive mechanisms, to secure transaction guarantees and fund custody, and then to risk compensation and continuous system optimization. By using complex mathematical expressions to finely quantify risks, asset evaluation and matching accuracy, the platform can adjust incentives and compensation measures in real time, thereby reducing enterprise transaction risks and improving the overall transaction activity of the platform, realizing the efficient replacement and safe circulation of market resources. As a technical solution for further implementing this solution, in step 1, the mathematical expression of the enterprise risk assessment model is:

[0029] Where, I is the result of normalizing the basic qualification information of the enterprise, T is the index after normalizing the historical transaction data, and is the preset weight coefficient, a parameter determined in data fitting, and e is the base of the natural logarithm. By normalizing enterprise qualifications and historical transaction data and then using the fitting model to calculate the risk score, we ensure the objectivity and accuracy of risk assessment, provide reliable data support for subsequent transaction matching, and reduce the risks caused by information bias; As a technical solution for further implementing this solution, in step 2, the mathematical expression of the artificial intelligence model is:

[0030] Where A is the vector of detailed data of the enterprise's assets to be replaced, Represents the p-norm of vector A, which is used to reflect the comprehensive magnitude of various asset indicators. and Calibrate the model parameters, logarithmic function Used to compress large numerical ranges and calculate asset valuations using artificial intelligence models, the platform can fully reflect the market performance and actual value of the assets to be replaced, effectively improving the accuracy of asset pricing, thereby creating favorable conditions for fair transactions; As a technical solution for further implementation of this solution, in step three, 、 、 、 and , obtained through fitting historical data, and for transactions with matching scores below the preset critical value S, the platform provides incentive subsidies or fee reductions as incentives. The matching scores of both parties are obtained through nonlinear balance calculation, and incentives are activated for transactions with low matching scores, effectively balancing the risk differences between the two parties, ensuring that the two parties achieve a better match in terms of risk and return, thereby improving the overall success rate of transactions; As a technical solution to further implement this solution, after enterprise registration and information submission, the platform uses an error correction algorithm and a privacy amplification algorithm to further process the one-time key generated through negotiation. This further processing of the one-time key improves the reliability and security of key generation, reduces transaction risks that may arise from key errors or leaks, and provides more robust encrypted communication protection for the platform. As a technical solution to further implement this solution, the platform is equipped with a backup key mechanism. When an abnormality is detected during key transmission or use, the platform automatically switches to a backup key based on the data in the backup key pool and terminal feedback information. The backup key mechanism provides emergency protection for the platform in the event of an abnormality, ensuring that transactions can proceed continuously, thereby improving the robustness and service stability of the platform and reducing the risk of transaction interruption due to unexpected risks. As a technical solution to further implement this solution, after each round of transactions, the platform aggregates the key status reports of each terminal to a central management server and uses anomaly detection methods to analyze the reported data. With centralized reporting and anomaly detection, the platform can monitor the key lifecycle status in real time, quickly discover and warn of potential security risks, thereby strengthening global security management and ensuring the transparency and reliability of key management during transactions. As a technical solution to further implement this solution, the platform adopts a dynamic key scheduling strategy to automatically adjust the key update delay based on real-time network latency and terminal clock synchronization, ensuring that each terminal can consistently start using the newly generated one-time key within the predetermined time and form a complete key update record. The dynamic key scheduling strategy ensures the synchronous update of keys among multiple terminals, improving the real-time and security of the platform's overall transactions. At the same time, the complete update record provides data support for subsequent audits and risk management, effectively ensuring the long-term stable operation of the system. As a technical solution for further implementation of this plan, it includes an enterprise registration and information processing module, which is used to collect qualifications, historical transaction data and asset information submitted by enterprises, normalize the information, and build a risk assessment model based on the normalized data to calculate the enterprise risk score; The asset evaluation and listing module is used to obtain detailed data on the company's assets to be replaced, and use artificial intelligence models to conduct a comprehensive assessment of the assets to obtain the asset valuation; The intelligent matching module generates a matching score by performing a nonlinear balance calculation between the enterprise risk score and the asset valuation, and provides incentive subsidies or fee reduction measures for transactions based on the matching score; The transaction matching, guarantee and fund custody module is used to organize both parties to confirm the transaction intention after a successful match, and freeze the actual transaction amount according to the preset freezing ratio to ensure transaction security and fund custody; The key management and update module is used to report the status of, verify, and securely destroy the one-time keys used in each communication round. After the destruction is completed, the key for the next round is automatically generated and synchronously updated according to the preset scheduling policy. The risk compensation and feedback optimization module is used to initiate a risk compensation program for losses caused by asset value fluctuations after the transaction is completed, collect feedback data from both parties, and dynamically optimize the system through the objective function. The modular design enables the platform to achieve a closed loop of the entire process from enterprise information collection, asset evaluation, intelligent matching, transaction matching, and key lifecycle management, effectively ensuring the coordinated operation of all links, reducing transaction risks, and improving the overall operational efficiency and security of the platform; As a further implementation of this solution, the technical solution further comprises a computer program, which is stored in a secure, tamper-proof medium and executed by a platform processor. When executed by the platform processor, the steps of the method according to any one of claims 1 to 8 are executed. The method software is solidified into a computer program, which can achieve full automation of platform operations and significantly reduce the risk of manual intervention and operational complexity. At the same time, the implemented dynamic optimization mechanism ensures that the platform has high flexibility and responsiveness, providing an intelligent, efficient and secure comprehensive solution for enterprise asset replacement.

[0031] This article uses specific examples to illustrate the principles and implementation methods of the present invention. The above examples are only used to help understand the method of the present invention and its core ideas. The above is only a preferred implementation method of the present invention. It should be pointed out that due to the limitations of textual expression, there are objectively infinite specific structures. For ordinary technicians in this technical field, without departing from the principles of the present invention, they can make several improvements, modifications or changes, and can also combine the above technical features in an appropriate manner; these improvements, modifications, changes or combinations, or the direct application of the inventive concept and technical solution to other occasions without improvement, should be regarded as the scope of protection of the present invention.

Claims

1. A method for using a barter asset exchange platform, characterized in that: The following steps are involved: Step 1: Obtain the qualifications, historical transaction data, and asset information that the enterprise has registered and uploaded on the platform, normalize the obtained qualifications and historical transaction data, and obtain the enterprise risk assessment model by fitting the normalized data to calculate the enterprise risk score R; Step 2: Obtain a vector of detailed data on the enterprise's assets to be replaced and an artificial intelligence model for calculating the asset valuation. Perform a comprehensive asset assessment by taking the detailed data of the enterprise's assets to be replaced, and use the obtained artificial intelligence model to calculate the asset valuation V; Step 3: Using the enterprise risk score R and the asset valuation V, perform a nonlinear balance calculation on the risk and asset differences between the two parties to obtain a matching score S. The calculation formula for the nonlinear balance calculation of the risk and asset differences between the two parties is: ； Where, and are the assessed values of the assets of the two parties to the transaction, and The risk scores of both companies are respectively and are the standard deviation parameters of asset and risk volatility, and To balance the weight of each part’s contribution, is the normalization constant; Step 4: After the match is successful, both parties confirm the transaction intention, the platform activates the transaction guarantee and fund custody mechanism, and freezes part of the funds , freeze some funds The calculation formula is: ； Where F is the actual transaction amount, and P is adjusted by the transaction risk assessment module based on the enterprise credit parameters; Step 5: After both parties complete the transaction confirmation, the platform unfreezes part of the funds frozen in step 4 , and complete asset replacement; If a loss D occurs due to fluctuations in asset value, the platform will initiate a risk compensation procedure to compensate the risk compensation amount C. The calculation formula for the risk compensation amount C is: ； Where, To compensate for the proportional factor, it is set by the platform's risk management strategy. To preset risk thresholds; Step 6: After the transaction is completed, obtain the transaction data fed back by both parties, analyze the obtained transaction data fed back by both parties, and dynamically optimize the smart matching and risk assessment model through the objective function. The mathematical expression of the objective function L is: ； Where, Indicates the difference between the actual asset valuation and the matching expected value in the i-th transaction, Indicates the difference in risk scores between the two parties in the i-th transaction, represents the transaction rate of the i-th transaction, 、 and To adjust the weight, N is the cumulative number of transactions.

2. The method for using the barter asset exchange platform according to claim 1, characterized in that: In step 1, the mathematical expression of the enterprise risk assessment model is: Where I is the result of normalizing the basic qualification information of the enterprise, and T is the index after normalizing the historical transaction data. and is the preset weight coefficient, a parameter determined in data fitting, and e is the base of the natural logarithm.

3. The method for using the barter asset exchange platform according to claim 1, characterized in that: In step 2, the mathematical expression of the artificial intelligence model is: ; Where A is the vector of detailed data of the enterprise's assets to be replaced, Represents the p-norm of vector A, which is used to reflect the comprehensive magnitude of various asset indicators. and Calibrate the model parameters, logarithmic function Used to compress large numeric ranges.

4. The method for using the barter asset exchange platform according to claim 1, characterized in that: In the step three, 、 、 、 and , obtained by fitting historical data, and for transactions with matching scores lower than the preset critical value S, the platform provides incentive subsidies or fee reductions as incentives.

5. The method for using the barter asset exchange platform according to claim 1, characterized in that: After the enterprise registers and submits information, the platform uses an error correction algorithm and a privacy amplification algorithm to further process the one-time key generated through negotiation.

6. The method for using the barter asset exchange platform according to claim 1, characterized in that: The platform is provided with a backup key mechanism, which automatically switches to a backup key based on the data in the backup key pool and the terminal feedback information when an abnormality is detected during key transmission or use.

7. The method for using a barter asset exchange platform according to claim 1, characterized in that: After each round of transactions is completed, the platform aggregates the key status reports of each terminal to the central management server and analyzes the report data using anomaly detection methods.

8. The method for using a barter asset exchange platform according to claim 1, characterized in that: The platform adopts a dynamic key scheduling strategy to automatically adjust the key update delay according to the real-time network delay and terminal clock synchronization, ensuring that each terminal can consistently start using the newly generated one-time key within the scheduled time and form a complete key update record.

9. The barter asset exchange platform according to claim 1, characterized in that: It includes an enterprise registration and information processing module, which is used to collect qualifications, historical transaction data and asset information submitted by enterprises, normalize the information, build a risk assessment model based on the normalized data, and calculate the enterprise risk score; The asset evaluation and listing module is used to obtain detailed data on the company's assets to be replaced, and use artificial intelligence models to conduct a comprehensive assessment of the assets to obtain the asset valuation; The intelligent matching module generates a matching score by performing a nonlinear balance calculation between the enterprise risk score and the asset valuation, and provides incentive subsidies or fee reduction measures for transactions based on the matching score; The transaction matching, guarantee and fund custody module is used to organize both parties to confirm the transaction intention after a successful match, and freeze the actual transaction amount according to the preset freezing ratio to ensure transaction security and fund custody; The key management and update module is used to report the status of, verify, and securely destroy the one-time keys used in each communication round. After the destruction is completed, the key for the next round is automatically generated and synchronously updated according to the preset scheduling policy. The risk compensation and feedback optimization module is used to initiate a risk compensation program for losses caused by asset value fluctuations after the transaction is completed, collect feedback data from both parties, and dynamically optimize the system through the objective function.

10. The barter asset exchange platform according to claim 1, characterized in that: The system further comprises a computer program stored in a secure, tamper-proof medium and executed by a platform processor, wherein when the platform processor executes the steps of the method according to any one of claims 1 to 8, the program is executed.

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