Method, device, program product, and electronic device for determining financial services

Abstract

The application discloses a financial service determination method, device, program product and electronic equipment, and relates to the field of financial technology. The method comprises the following steps: after receiving authorization information of each enterprise in L enterprises, generating an enterprise portrait of each enterprise based on enterprise information of each enterprise; collecting a park enterprise table corresponding to the L enterprises, wherein the park enterprise table is used for recording a region identifier of a financial region to which each enterprise belongs; determining industry chain data corresponding to each park based on the park enterprise table and the enterprise portrait of each enterprise; and determining a financial service list corresponding to each park based on the industry chain data corresponding to each park, wherein the financial service list at least comprises a scale of a financial outlet deployed in each park and a service identifier of a financial service required to be provided by the financial outlet. The application solves the technical problem that the financial service pushed by a financial institution to a user has low relevance to the enterprise and poor user experience.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more specifically, to a method, apparatus, program product, and electronic device for determining financial transactions. Background Technology

[0002] In the fintech sector, traditional customer acquisition models for financial institutions have encountered multiple challenges, limiting the level of financial services offered by the industry. These challenges manifest in the following ways:

[0003] Currently, when financial institutions identify enterprises with high research potential, such as "specialized, refined, and innovative" and "high-tech enterprises," they mainly rely on static manual screening mechanisms. This leads to insufficient accuracy in identifying the technological innovation capabilities of these enterprises. Furthermore, the sources of information such as business registration, qualifications, and park distribution for each enterprise are scattered, resulting in data silos. This limits the ability of financial institutions to analyze the business needs of enterprise users, lacking in-depth spatial dimension analysis and supply chain aggregation capabilities. Consequently, the types of financial services offered by financial institutions to enterprise users during customer acquisition are not closely related to the actual needs of the enterprises, thus reducing the user experience and satisfaction.

[0004] There is currently no effective solution to the above problems. Summary of the Invention

[0005] This application provides a method, apparatus, program product, and electronic device for determining financial transactions, in order to at least solve the technical problem in the prior art that financial transactions pushed by financial institutions to enterprise users have low relevance to enterprises and poor user experience.

[0006] According to one aspect of this application, a method for determining financial services is provided, comprising: after receiving authorization information from each of L enterprises, generating an enterprise profile for each enterprise based on the enterprise information of each enterprise, wherein L is a positive integer, and the enterprise information includes at least the enterprise's qualification information, business registration information, financing information, and R&D project information; collecting a park enterprise table corresponding to the L enterprises, wherein the park enterprise table is used to record the regional identifier of the financial region to which each enterprise belongs; determining the industrial chain data corresponding to each park based on the park enterprise table and the enterprise profile of each enterprise, wherein each park is the financial region indicated by the regional identifier in the park enterprise table, and the industrial chain data is used to characterize the industrial chain information of the industrial chain to which the enterprises in each park belong; and determining a list of financial services corresponding to each park based on the industrial chain data corresponding to each park, wherein the list of financial services includes at least the branch scale of the financial outlets deployed in each park and the business identifier of the financial services that the financial outlets need to provide.

[0007] Optionally, before generating a corporate profile for each enterprise based on its corporate information, the method for determining financial transactions further includes: collecting M corporate data tables for each enterprise, where M is a positive integer, and the M corporate data tables include at least a qualification information table, a business registration information table, a financing event table, and a research and development project information table for each enterprise; generating a database query statement corresponding to each enterprise based on the enterprise identifier and the table identifier of each corporate data table in the M corporate data tables; querying the M corporate data tables based on the database query statement corresponding to each enterprise to obtain the initial query information for each enterprise; and performing data cleaning on the initial query information for each enterprise to obtain the corporate information for each enterprise, wherein the data cleaning is at least used to remove blank values ​​and duplicate values ​​from the initial query information.

[0008] Optionally, a corporate profile is generated based on the corporate information of each enterprise, including: extracting features from the corporate information of each enterprise to obtain N corporate features for each enterprise, where N is a positive integer, and the N corporate features include at least one of the following: a first corporate feature, used to characterize the preset qualification label corresponding to the qualification information of each enterprise, the preset qualification label being used to characterize the qualification type of the enterprise; a second corporate feature, used to characterize the corporate structure corresponding to the business registration information of each enterprise; a third corporate feature, used to characterize the financing round corresponding to the financing information of each enterprise; a fourth corporate feature, used to characterize the project score corresponding to the R&D project information of each enterprise, the project score being used to characterize the R&D capability level of the enterprise; and generating a corporate profile for each enterprise based on the N corporate features of each enterprise.

[0009] Optionally, based on the enterprise table of the park and the enterprise profile of each enterprise, the industrial chain data corresponding to each park is determined, including: determining the industry label of each enterprise based on the enterprise profile of each enterprise, wherein the industry label is used to represent the industry type of each enterprise; determining P industry labels corresponding to each park based on the regional identifier of the financial region to which each enterprise belongs in the enterprise table of each park, wherein P is a positive integer, and the P industry labels are the P industry labels corresponding to the P enterprises in each park; and determining the industrial chain data corresponding to each park based on the P industry labels corresponding to each park.

[0010] Optionally, based on the P industry tags corresponding to each park, the industrial chain data corresponding to each park is determined, including: aggregating the P industry tags corresponding to each park to obtain Q industrial chains corresponding to each park, where Q is a positive integer less than or equal to P, and there is a dependency relationship between the two industries indicated by any two industry tags included in each industrial chain; determining the industrial agglomeration degree of each industrial chain based on the number of industry tags included in each of the Q industrial chains; and encapsulating the industry tags included in each industrial chain corresponding to each park and the industrial agglomeration degree of each industrial chain to obtain the industrial chain data corresponding to each park.

[0011] Optionally, based on the industrial chain data corresponding to each park, a list of financial services for each park is determined, including: parsing the industrial chain data corresponding to each park to obtain the industry tags and industry agglomeration degree of each industrial chain; determining the network size of financial outlets deployed in each park based on the industry agglomeration degree of each industrial chain; determining the business identifier of the financial services that the financial outlets deployed in each park need to provide based on the industry tags included in each industrial chain; and generating a list of financial services for each park based on the network size of the financial outlets to be deployed in each park and the business identifier of the financial services that the financial outlets need to provide.

[0012] Optionally, based on the industry tags included in each industrial chain corresponding to each park, the business identifiers of the financial services that the financial outlets deployed in each park need to provide are determined, including: obtaining the correlation coefficient between each industry tag included in each industrial chain corresponding to each park and each of the X financial services, wherein the correlation coefficient is used to characterize the probability that the industry indicated by each industry tag needs the financial outlets to provide the corresponding financial services; taking the financial services with correlation coefficients greater than a preset coefficient among the X financial services as the target services corresponding to each park; and taking the business identifiers of the target services corresponding to each park as the business identifiers of the financial services that the financial outlets deployed in each park need to provide.

[0013] According to another aspect of this application, a device for determining financial business is also provided, comprising: a profile generation unit, configured to generate a profile of each enterprise based on the enterprise information of each enterprise after receiving authorization information from each of L enterprises, wherein L is a positive integer, and the enterprise information includes at least the enterprise's qualification information, business registration information, financing information, and R&D project information; a park enterprise table collection unit, configured to collect park enterprise tables corresponding to the L enterprises, wherein the park enterprise table records the regional identifier of the financial region to which each enterprise belongs; a supply chain data determination unit, configured to determine the supply chain data corresponding to each park based on the park enterprise table and the enterprise profile of each enterprise, wherein each park is the financial region indicated by the regional identifier in the park enterprise table, and the supply chain data is used to characterize the supply chain information of the supply chain to which the enterprises in each park belong; and a list determination unit, configured to determine the financial business list corresponding to each park based on the supply chain data corresponding to each park, wherein the financial business list includes at least the branch scale of the financial outlets deployed in each park and the business identifier of the financial business to be provided by the financial outlets.

[0014] According to another aspect of this application, a computer program product is also provided, which stores a computer program, wherein a method for determining the execution of any of the above-mentioned financial transactions is provided when the computer program is running.

[0015] According to another aspect of this application, an electronic device is also provided, wherein the electronic device includes one or more processors and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the method for determining the financial business described above.

[0016] In this application, after receiving authorization information from each of the L enterprises, a corporate profile is first generated based on the corporate information of each enterprise, where L is a positive integer. The corporate information includes at least the enterprise's qualification information, business registration information, financing information, and R&D project information. Next, this application collects a list of park enterprises corresponding to the L enterprises. This list records the regional identifier of the financial region to which each enterprise belongs. Then, based on the park enterprise list and the corporate profile of each enterprise, this application determines the industrial chain data corresponding to each park. Each park is the financial region indicated by the regional identifier in the park enterprise list, and the industrial chain data represents the industrial chain information of the industrial chain to which the enterprises in each park belong. Subsequently, based on the industrial chain data corresponding to each park, this application determines a list of financial services corresponding to each park. This list includes at least the network size of the financial outlets deployed in each park and the business identifiers of the financial services that the financial outlets need to provide.

[0017] As described above, this application generates a corporate profile for each enterprise by integrating multi-dimensional information on the enterprise's qualifications, business registration, financing, and R&D projects. Combined with a list of enterprises within the industrial park, it clarifies the distribution and relationship between enterprises and financial regions. Further analysis yields the industrial chain data for each park. Finally, based on the industrial chain data for each park, this application generates a customized list of financial services for each enterprise. This process not only comprehensively captures multi-dimensional enterprise information but also deeply analyzes the industrial environment in which the enterprise operates, enabling financial institutions to provide financial services that better meet the specific industrial needs of the enterprise, such as optimizing the layout of financial outlets and matching business types.

[0018] Therefore, this application adopts a multi-source data fusion approach and achieves the goal of accurately identifying the financial business needs of enterprises by constructing multi-dimensional enterprise profiles and analyzing the industrial chain of the park. This achieves the technical effect of improving the correlation between the list of financial services formulated by financial institutions for enterprises and the actual business needs of enterprises, thereby improving the user experience of enterprise users and solving the technical problem of low correlation between financial services pushed by financial institutions to enterprise users and poor user experience in the existing technology. Attached Figure Description

[0019] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0020] Figure 1 This is a hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for determining financial business, according to an embodiment of this application.

[0021] Figure 2 This is a flowchart of an optional method for determining financial transactions according to an embodiment of this application;

[0022] Figure 3 This is an architecture diagram of an optional financial business determination system according to an embodiment of this application;

[0023] Figure 4 This is a schematic diagram of an optional set of M enterprise data tables according to an embodiment of this application;

[0024] Figure 5 This is a schematic diagram of an optional financial transaction determination device according to an embodiment of this application;

[0025] Figure 6 This is a structural block diagram of an electronic device according to an embodiment of this application. Detailed Implementation

[0026] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0027] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0028] It should also be noted that all relevant information (including but not limited to information used for display and analysis) and data (including but not limited to data in enterprise qualification tables, park enterprise tables, and multiple enterprise data tables) involved in this application are information and data authorized by the user or fully authorized by all parties. For example, this system has an interface with relevant users or institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or institution through the interface, and obtain the relevant information only after receiving consent from the aforementioned user or institution.

[0029] Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of relevant information and data involved in this application all comply with the relevant laws, regulations, and standards of the relevant regions, and necessary confidentiality measures have been taken. This application does not violate public order and good morals. In addition, this application provides a corresponding operation entry point for users to choose to agree to or refuse authorization. If the user chooses to refuse authorization, the corresponding expert decision-making process will be initiated.

[0030] The present invention will now be described in detail with reference to various embodiments.

[0031] Example 1

[0032] According to an embodiment of this application, a method for determining financial transactions is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0033] The methods and embodiments provided in this application can be executed on mobile terminals, computer terminals, or similar computing devices. Figure 1 This is a hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for determining financial business, according to an embodiment of this application. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0034] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0035] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the financial business determination method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the aforementioned financial business determination method. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0036] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0037] The display can be configured as a touchscreen liquid crystal display (LCD) that allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0038] Under the aforementioned operating environment, this application provides a financial transaction determination system (hereinafter referred to as the determination system) for executing the financial transaction determination method in this application. Figure 2 This is a flowchart of an optional method for determining financial transactions according to an embodiment of this application, such as... Figure 2 As shown, the method includes the following steps:

[0039] Step S201: After receiving the authorization information of each of the L companies, generate a company profile for each company based on the company information of each company, where L is a positive integer and the company information includes at least the company's qualification information, business registration information, financing information and R&D project information.

[0040] Optionally, the company information may also include securities information published by each company.

[0041] Optionally, the system generates an SQL (Structured Query Language) script based on the enterprise identifier of each enterprise. Then, based on the SQL script, it queries the qualification information table, business registration information table, financing event table, and R&D project information table to obtain the qualification information, business registration information, financing information, and R&D project information of each enterprise. After that, the system performs data cleaning processing on the multidimensional information obtained from the query to obtain the enterprise information corresponding to each enterprise.

[0042] Optionally, after the system obtains the enterprise information of each enterprise, the system extracts features from the enterprise information from the dimensions of each enterprise's qualification type, enterprise structure, financing round and R&D capability level to obtain N enterprise features corresponding to each enterprise. Then, based on the N enterprise features corresponding to each enterprise, an enterprise profile of each enterprise is generated.

[0043] Optionally, after obtaining authorization information from L enterprises (L being a positive integer), the system integrates multi-dimensional enterprise information, including enterprise qualifications, business registration information, financing information, and R&D project information. This breaks down the isolation between different enterprise information storage platforms and avoids data silos, thereby constructing an enterprise profile for each enterprise. The enterprise profile comprehensively reflects the enterprise's operating status, financial health, market position, and technological innovation capabilities in a standardized and structured form, thus providing a data foundation for subsequent industry chain affiliation analysis and financial business demand analysis.

[0044] Step S202: Collect the park enterprise table corresponding to L enterprises, where the park enterprise table is used to record the regional identifier of the financial region to which each enterprise belongs.

[0045] Optionally, the park enterprise table is also used to record park information for each park, such as the place of registration, place of business, and geofence information. Here, "park" refers to the financial region to which the enterprise belongs.

[0046] Optionally, by collecting the list of companies in the industrial park, the system can understand the correspondence between companies and their respective financial regions (i.e., each industrial park), thus providing a data foundation for subsequent analysis of the industrial chain information of companies in each industrial park. In other words, by collecting the list of companies in the industrial park, the system realizes the correlation between the spatial location of companies and financial regions, which helps financial institutions understand the industrial layout from a regional perspective and provides data support for formulating regional financial business service strategies.

[0047] Step S203: Based on the park enterprise table and the enterprise profile of each enterprise, determine the industrial chain data corresponding to each park. Each park is a financial region indicated by the regional identifier in the park enterprise table, and the industrial chain data is used to characterize the industrial chain information of the enterprises in each park.

[0048] Optionally, the system first determines the industry tag corresponding to each enterprise based on the enterprise profile of each enterprise. Then, the system determines P industry tags corresponding to each park based on the correspondence between the enterprises recorded in the park enterprise table and each park. Finally, the system obtains the industrial chain data corresponding to each park by aggregating and analyzing the P industry tags corresponding to each park.

[0049] Optionally, the system can analyze the industrial chain data corresponding to each park by combining the park enterprise table with the enterprise profile of each enterprise. The industrial chain is used to represent the industry affiliation information of enterprises in each park. The industrial chain data is used to represent the industry tag data and clustering degree of enterprises in each park, thereby revealing the industrial ecosystem in each park, such as the dominant industry. Based on the industrial chain data, the system can guide the determination of financial business service analysis of enterprises in each park, and accelerate the generation efficiency of the financial business list corresponding to each park.

[0050] Step S204: Based on the industrial chain data corresponding to each park, determine the financial business list corresponding to each park. The financial business list includes at least the scale of the financial outlets deployed in each park and the business identifier of the financial business that the financial outlets need to provide.

[0051] Optionally, the financial services list should include at least the size of the financial outlets in each park and the identifiers of the financial services that the financial outlets need to provide, such as credit products, investment services, and fintech solutions. This will guide financial institutions to provide more industry-related financial services, including but not limited to credit and investment, based on the industrial characteristics of different parks, thereby enhancing the targeting and effectiveness of financial services and reducing the operating costs and bad debt risks of financial institutions.

[0052] As described above, this application generates a corporate profile for each enterprise by integrating multi-dimensional information on the enterprise's qualifications, business registration, financing, and R&D projects. Combined with a list of enterprises within the industrial park, it clarifies the distribution and relationship between enterprises and financial regions. Further analysis yields the industrial chain data for each park. Finally, based on the industrial chain data for each park, this application generates a customized list of financial services for each enterprise. This process not only comprehensively captures multi-dimensional enterprise information but also deeply analyzes the industrial environment in which the enterprise operates, enabling financial institutions to provide financial services that better meet the specific industrial needs of the enterprise, such as optimizing the layout of financial outlets and matching business types.

[0053] Therefore, this application adopts a multi-source data fusion approach and achieves the goal of accurately identifying the financial business needs of enterprises by constructing multi-dimensional enterprise profiles and analyzing the industrial chain of the park. This achieves the technical effect of improving the correlation between the list of financial services formulated by financial institutions for enterprises and the actual business needs of enterprises, thereby improving the user experience of enterprise users and solving the technical problem of low correlation between financial services pushed by financial institutions to enterprise users and poor user experience in the existing technology.

[0054] In one optional embodiment, before generating a corporate profile for each enterprise based on its corporate information, the system first collects M corporate data tables for each enterprise, where M is a positive integer. The M corporate data tables include at least a qualification information table, a business registration information table, a financing event table, and a research and development project information table for each enterprise. Then, based on the enterprise identifier and the table identifier of each of the M corporate data tables, the application generates a database query statement corresponding to each enterprise. Next, the application queries the M corporate data tables based on the database query statement corresponding to each enterprise to obtain initial query information for each enterprise. Subsequently, the application performs data cleaning on the initial query information for each enterprise to obtain its corporate information. The data cleaning process is at least used to remove blank and duplicate values ​​from the initial query information.

[0055] Optionally, the M enterprise data tables also include a securities information table for each enterprise.

[0056] Optionally, the M enterprise data tables are distributed and stored on different enterprise information storage platforms. The system collects the table information of the M enterprise data tables through interface calls. Each enterprise data table is used to store enterprise information of different dimensions. By collecting each enterprise's qualification information table, business registration information table, financing event table, and R&D project information table from different enterprise information storage platforms, the system ensures the comprehensiveness and diversity of the collected enterprise information, laying a solid foundation for building a full-domain view of the enterprise (i.e., enterprise profile).

[0057] Optionally, the system determines that by using each enterprise's unique enterprise identifier (such as unified social credit code, enterprise name, etc.) and the respective table identifiers (such as table names) of the M enterprise data tables, a query statement is generated for each enterprise data table. This enables the system to quickly locate enterprise information of different dimensions related to a specific enterprise, improving the efficiency of subsequent data processing. In other words, by generating database query statements and combining enterprise identifiers and table identifiers, the system can accurately locate and extract the required enterprise information from massive amounts of data, improving the efficiency and accuracy of data processing and reducing redundancy and errors in information acquisition.

[0058] Optionally, the system determines whether to execute queries in M ​​enterprise data tables based on the generated database query statements to obtain initial query information for each enterprise. Then, the system cleans the initial query information for each enterprise, removing blank and duplicate data to ensure the integrity and consistency of enterprise information, reduce analytical bias caused by data quality issues, and improve the reliability and effectiveness of subsequent analysis. At the same time, the cleaned information is transformed into a unified standard format, which facilitates subsequent enterprise information analysis and provides data support for financial institutions to make data-driven financial business service decisions.

[0059] In summary, the system, through the collection, precise querying, and data cleaning of M enterprise data tables, solves the data silo problem for financial institutions in the customer acquisition process, improves the accuracy of financial institutions' understanding of enterprise users' business needs, enhances the financial service capabilities of financial institutions, and thus improves the personalization of financial services and user experience.

[0060] In one optional embodiment, the system first extracts features from the enterprise information of each enterprise to obtain N enterprise features for each enterprise, where N is a positive integer. Then, the system generates an enterprise profile for each enterprise based on the N enterprise features.

[0061] Optionally, the N enterprise characteristics include at least one of the following:

[0062] The first enterprise feature is used to characterize the preset qualification tags corresponding to the qualification information of each enterprise. The preset qualification tags are used to characterize the qualification type of the enterprise.

[0063] The second enterprise characteristic is used to characterize the enterprise structure corresponding to the business registration information of each enterprise;

[0064] The third corporate characteristic is used to characterize the financing round corresponding to each company's financing information;

[0065] The fourth enterprise characteristic is used to characterize the project score corresponding to each enterprise's R&D project information. The project score is used to characterize the enterprise's R&D capability level.

[0066] Optionally, the N enterprise characteristics may also include a fifth enterprise characteristic, which is used to characterize the securities information published by each enterprise.

[0067] Optionally, pre-set qualification labels can be used to accurately identify the qualification type of enterprises, such as "specialized, refined and innovative" or "high-tech enterprise", so that financial institutions can quickly identify specific technology enterprise customer groups.

[0068] Optionally, enterprise architecture information should include at least the enterprise's size, organizational structure, and equity structure to help financial institutions understand the enterprise's organizational form and operational stability.

[0069] Optionally, financing round information is used to characterize the financing round of each company, which helps financial institutions assess the company's development stage and financing needs.

[0070] Optionally, the R&D capability level, which is the R&D capability level of an enterprise assessed through the scoring method of the science and technology innovation model, helps financial institutions identify the enterprise's technological innovation potential and market competitive position.

[0071] Optionally, the system determines that based on the aforementioned N enterprise characteristics covering preset qualification tags, enterprise structure information, financing round information, and R&D capability level dimensions, it constructs an enterprise profile for each enterprise, which can achieve the following technical effects:

[0072] (1) Improve the comprehensiveness of enterprise profiles: The feature extraction process of enterprise features covers dimensions such as enterprise qualifications, business registration, financing and R&D capabilities, which improves the comprehensiveness of the generated enterprise profiles.

[0073] (2) Improve data processing efficiency: The extraction of enterprise characteristics and the generation of enterprise profiles realize the standardization and structuring of enterprise information data, which facilitates the systematic analysis of financial institutions and improves data processing efficiency.

[0074] (3) Enhanced real-time response: The construction of enterprise profiles is based on real-time updated enterprise characteristics, which can respond to real-time changes in enterprise information in real time, help financial institutions to capture new trends in enterprise development in a timely manner, and improve the timeliness of financial service decision-making.

[0075] (4) Personalized services: By integrating enterprise information such as enterprise qualifications, financing needs and R&D capability levels, financial institutions can provide financial services that are more in line with the actual needs of enterprises, such as financial product recommendations and credit assessments, thereby improving the quality of financial business services provided by financial institutions.

[0076] In summary, by extracting features from enterprise information and generating enterprise profiles, the system has solved the accuracy problem of customized financial services for enterprises, and improved the matching degree between the financial services provided by financial institutions and the actual needs of enterprises.

[0077] In one optional embodiment, the system first determines the industry label of each enterprise based on the enterprise profile of each enterprise, wherein the industry label is used to characterize the industry type of each enterprise. Then, the system determines P industry labels corresponding to each park based on the regional identifier of the financial region to which each enterprise belongs in the enterprise table of each park, wherein P is a positive integer, and the P industry labels are the P industry labels corresponding to the P enterprises in each park. Then, the system determines the industrial chain data corresponding to each park based on the P industry labels corresponding to each park.

[0078] Optionally, industry tags are used to identify the industry type to which a company belongs, such as "artificial intelligence," "biomedicine," and "new energy." The system determines industry tags by identifying company profiles, enabling precise segmentation of the industry type to which a company belongs. This helps financial institutions quickly identify companies within specific industries, thereby improving the targeting and efficiency of financial services.

[0079] Optionally, the system determines that based on the regional identifier of the financial region to which each enterprise in the enterprise table belongs, all industry tags corresponding to the L enterprises are grouped to obtain P (P is a positive integer) industry tags corresponding to each park. By summarizing and analyzing the industry tags of all enterprises in each park, the system can construct an industrial distribution map of the park, revealing the distribution of the dominant and characteristic industries in the park, providing financial institutions with a spatial perspective on industrial analysis, and enhancing their understanding of regional industrial clusters.

[0080] Optionally, the system determines the industrial chain data for each park based on P industry tags for each park, combined with information such as qualification level and R&D capability level in the enterprise profile. The construction of industrial chain data allows financial institutions to conduct in-depth analysis of the upstream and downstream relationships of industries within each park, providing a data foundation for the promotion of financial services such as industrial funds.

[0081] In summary, the system enhances financial institutions' understanding of technology companies and their respective industrial clusters through three steps: identifying industry tags for enterprise profiles, aggregating industry tags for industrial parks, and analyzing supply chain data. This enables more refined and customized financial services and strengthens the market competitiveness of financial institutions.

[0082] In one optional embodiment, the system first aggregates the P industry tags corresponding to each park to obtain Q industry chains corresponding to each park, where Q is a positive integer less than or equal to P. There is a dependency relationship between the two industries indicated by any two industry tags included in each industry chain. Then, the system determines the industry agglomeration degree of each industry chain based on the number of industry tags included in each of the Q industry chains. Finally, the system encapsulates the industry tags included in each industry chain corresponding to each park and the industry agglomeration degree of each industry chain to obtain the industry chain data corresponding to each park.

[0083] Optionally, the system identifies and forms Q (Q is a positive integer less than or equal to P) industrial chains with internal dependencies by performing aggregate analysis on the P industry tags belonging to enterprises in each park. Here, "internal dependency" refers to the upstream or downstream or complementary relationship between the two industries indicated by any two industry tags in the industrial chain, such as the dependency between semiconductor manufacturing and chip design.

[0084] Optionally, by aggregating industry tags, the system can identify interdependent industrial chains within the park, which helps financial institutions gain a deeper understanding of the park's industrial ecosystem, especially the development status of the industrial chains and the collaboration patterns between enterprises, providing a precise industrial chain perspective for customized financial services.

[0085] Optionally, the system determines the industrial agglomeration degree of each industrial chain based on the number of industrial tags contained in each of the Q industrial chains. The industrial agglomeration degree refers to the degree of concentration of enterprises in a specific industrial chain within the park. The more industrial tags contained in each industrial chain, the more concentrated the enterprises, and the higher the industrial agglomeration degree, which means that the industrial chain is more complete. Determining the industrial agglomeration degree enables financial institutions to quantitatively assess the completeness and maturity of each industrial chain within the park.

[0086] Optionally, the system encapsulates the industrial chain information (including industry tags and industry agglomeration) corresponding to each park to generate industrial chain data for each park. The encapsulation of industrial chain data provides financial institutions with structured industrial chain analysis data. Financial institutions can customize financial services for each park based on the characteristics of its industrial chain, such as supply chain financing and technology credit, thereby achieving precise matching between financial services and the needs of the park's industrial chain and improving the user experience for enterprise users within the park.

[0087] In summary, the system achieves in-depth analysis and quantitative evaluation of each industrial chain corresponding to each park through three steps: industrial tag aggregation, industrial agglomeration analysis, and industrial chain data encapsulation. This provides financial institutions with a park industrial chain analysis tool, which helps them optimize the financial service strategies they develop for each park.

[0088] In one optional embodiment, the system first parses the industrial chain data corresponding to each park to obtain the industrial tags included in each industrial chain and the industrial agglomeration degree of each industrial chain. Then, based on the industrial agglomeration degree of each industrial chain corresponding to each park, the system determines the network size of the financial outlets deployed in each park. Next, based on the industrial tags included in each industrial chain corresponding to each park, the system determines the business identifier of the financial services that the financial outlets deployed in each park need to provide. Subsequently, based on the network size of the financial outlets that need to be deployed in each park and the business identifier of the financial services that the financial outlets need to provide, the system generates a list of financial services corresponding to each park.

[0089] Optionally, the system can analyze the industrial chain data of each park, allowing financial institutions to determine the industrial characteristics and service needs of enterprises in each park based on the industrial tags and industrial agglomeration of each industrial chain. This enables them to allocate financial resources more precisely and avoid blind expansion or waste of resources by financial institutions.

[0090] Optionally, the system determines the scale of financial outlets to be deployed in each park based on the degree of industrial agglomeration within the industrial chain. Industrial chains with high industrial agglomeration mean greater demand for financial services, thus requiring a larger scale or more number of financial outlets to meet the park's financial service needs.

[0091] Optionally, the system determines the types of financial services that financial outlets should provide based on the industry labels covered by the industrial chains formed by enterprises in each park, i.e., business identifiers. For example, if the industrial chain of a certain park focuses on high-tech industries, then the financial outlets in the corresponding park should provide corresponding financial services such as intellectual property financing and technology credit, thereby enhancing the personalization and professionalism of financial services.

[0092] Optionally, the system can generate a list of financial services for each park by comprehensively considering the scale of the financial outlets and the types of services required. The list of financial services details the scale of the financial outlets in each park and the business identifiers of the financial services, providing direct guidance for the outlet layout and business expansion of financial institutions. Customized financial services and refined financial outlet layout can improve the financial service experience of corporate customers and reduce business waiting time.

[0093] In summary, the system achieves accurate assessment of the financial resources allocated to each park and in-depth customization of the financial services provided to each park through four steps: industry chain data analysis, financial outlet scale analysis, financial business type analysis, and financial business list generation.

[0094] In one optional embodiment, the system first obtains the correlation coefficient between each industry tag included in each industrial chain corresponding to each park and each of the X financial services. The correlation coefficient is used to characterize the probability that the industry indicated by each industry tag needs financial outlets to provide corresponding financial services. Then, the system selects the financial services with correlation coefficients greater than a preset coefficient among the X financial services as the target services corresponding to each park. Finally, the system selects the business identifier of the target services corresponding to each park as the business identifier of the financial services that the financial outlets deployed in each park need to provide.

[0095] Optionally, the higher the correlation coefficient, the higher the probability that the industry indicated by the industry label has a demand for specific financial services. By analyzing the correlation coefficient between industry labels and financial services, the system can identify the real demand for financial services of enterprises in each park, thus avoiding the problem of "supply and demand mismatch" in financial services that is common in traditional service models.

[0096] Optionally, the system can select financial businesses with a correlation coefficient greater than a preset coefficient from among X financial businesses and use them as target businesses for each park. The preset coefficient can be dynamically adjusted based on historical data, industry standards, and financial policies.

[0097] Optionally, the setting of preset coefficients and the screening of target businesses avoid the waste of financial resources and enable financial institutions to focus on promoting financial businesses that are highly compatible with the development of the industrial chain in the park, thereby improving the service efficiency of financial businesses and reducing operating costs.

[0098] Optionally, the system can determine the business identifiers of the target businesses that will be screened out by the system, and determine the financial business identifiers that financial outlets in each park need to provide. This provides guidance for the planning of service content for financial outlets and helps financial institutions develop more financial services that meet the needs of enterprises in each park, such as intellectual property pledge loans and scientific research project financing.

[0099] In summary, the system achieves the goal of accurately matching financial resources of financial institutions with the needs of industrial parks through three steps: analyzing the correlation coefficient between industry tags and financial services, screening target services, and determining service identifiers. This enhances the user appeal of the financial services offered by financial institutions.

[0100] As described above, this application generates a corporate profile for each enterprise by integrating multi-dimensional information on the enterprise's qualifications, business registration, financing, and R&D projects. Combined with a list of enterprises within the industrial park, it clarifies the distribution and relationship between enterprises and financial regions. Further analysis yields the industrial chain data for each park. Finally, based on the industrial chain data for each park, this application generates a customized list of financial services for each enterprise. This process not only comprehensively captures multi-dimensional enterprise information but also deeply analyzes the industrial environment in which the enterprise operates, enabling financial institutions to provide financial services that better meet the specific industrial needs of the enterprise, such as optimizing the layout of financial outlets and matching business types.

[0101] Therefore, this application adopts a multi-source data fusion approach and achieves the goal of accurately identifying the financial business needs of enterprises by constructing multi-dimensional enterprise profiles and analyzing the industrial chain of the park. This achieves the technical effect of improving the correlation between the list of financial services formulated by financial institutions for enterprises and the actual business needs of enterprises, thereby improving the user experience of enterprise users and solving the technical problem of low correlation between financial services pushed by financial institutions to enterprise users and poor user experience in the existing technology.

[0102] In one alternative embodiment, Figure 3 This is an architecture diagram of an optional financial business determination system according to an embodiment of this application, such as... Figure 3 As shown, the system comprises: a multi-source data input layer, a data fusion processing layer, a dynamic monitoring engine layer, and an intelligent decision output layer.

[0103] Optionally, a multi-source data input layer is used to collect data from M enterprise data tables corresponding to each enterprise and L park enterprise tables corresponding to each enterprise.

[0104] Optionally, Figure 4 This is a schematic diagram of an optional set of M enterprise data tables according to an embodiment of this application, such as... Figure 4 As shown, the M enterprise data tables collected by the multi-source data input layer include: qualification information table, business registration information table, financing event table, R&D project information table, and securities information table.

[0105] Optionally, after collecting M enterprise data tables and a park enterprise table from the multi-source data input layer, the system performs the following operations for each table:

[0106] (1) Extract the preset qualification tags of 1.2 million qualified enterprises from the qualification information table, and group all the extracted preset qualification tags according to the enterprise identifier to obtain the preset qualification tag set corresponding to each enterprise.

[0107] (2) Extract the distribution information of 22 million enterprises in the park from the enterprise table, group all the extracted enterprise distribution information according to the park identifier and enterprise identifier, and obtain the correspondence between each enterprise and the financial region (i.e., park) to which the enterprise belongs and the park type (e.g., place of registration, place of operation) of each park.

[0108] (3) Filter out enterprises that are in business registration status from the business registration information table, and obtain the business registration information of each enterprise, including the unified credit code, registration number, organization code and enterprise name.

[0109] (4) Obtain the latest financing round information for each company from the financing event table.

[0110] (5) Obtain the listing market and trading code corresponding to each company's securities from the securities information table, and concatenate the listing market and trading code corresponding to the securities of the same company in the format of [listing market + trading code] based on the company identifier.

[0111] (6) Obtain the R&D project information of each enterprise from the R&D project information table.

[0112] Optionally, the data fusion processing layer is used at least to perform table join processing on the enterprise data table and the park enterprise table collected by the multi-source data input layer. The data processing steps of the data fusion processing layer include:

[0113] (1) A multi-level deduplication strategy is adopted. The two data, namely the preset qualification label and park information, corresponding to each enterprise are extracted from the qualification information table and the park enterprise table according to the enterprise identifier. Then, the data in the two datasets are connected through the table join operation to obtain an intermediate summary table.

[0114] (2) Connect the intermediate summary table with the business information table and filter out the enterprises in valid business status. Then, clean the fields of the pre-set qualification tags, park information, business information (e.g., enterprise name, unified credit code, registration number, organization code) of each enterprise obtained by connection. Then, generate the initial profile of each enterprise based on the enterprise information represented by the fields of each enterprise obtained by data cleaning.

[0115] (3) Enhance the initial profile of each enterprise, including at least the following fields:

[0116] Listing status field: By linking the securities information table, obtain the [listing market + trading code] corresponding to each company.

[0117] Financing Capability Field: By linking the financing event table, obtain the latest financing round for each company.

[0118] Qualification field: Based on the tag identifier of the preset qualification tag corresponding to each enterprise, the certification department and qualification level corresponding to the preset qualification tag can be obtained by querying the preset qualification department dictionary table.

[0119] Industry attribute field: By calling the preset interface, the industry classification corresponding to each enterprise can be obtained.

[0120] Park Location Field: Based on the park identifier of each enterprise's park, the geofence information of each park can be obtained by querying the preset park geofence information table.

[0121] After the above profile enhancement operations, a full-domain view of each enterprise is obtained.

[0122] Optionally, the dynamic monitoring engine is used at least to perform operations such as qualification change early warning, R&D capability scoring, and industrial chain aggregation analysis in the park. The operation steps of the dynamic monitoring engine include:

[0123] (1) Qualification change warning:

[0124] The system regularly compares the preset qualification tags, qualification levels, and certification departments associated with each preset qualification tag in the enterprise global view of each enterprise with the preset qualification tags and qualification levels and certification departments in the dictionary of preset qualification departments in the qualification information table. Once an information change is detected, a qualification change warning is immediately generated, and the enterprise global view of each enterprise is updated based on the new qualification information.

[0125] (2) R&D capability score:

[0126] Based on the preset R&D capability score, the overall enterprise view of each enterprise is scored from seven dimensions: R&D capability, intellectual property, scientific and technological qualifications, financial and tax scale, market competitiveness, credit rating and growth potential. Based on the scoring results of the seven dimensions, a radar chart of scientific and technological innovation capability corresponding to each enterprise is generated.

[0127] (3) Analysis of industrial chain aggregation in the park:

[0128] Based on the overall enterprise view and R&D capability score of each enterprise, an enterprise profile is determined for each enterprise; based on the enterprise profile of each enterprise, the corresponding industry tag for each enterprise is determined; based on all industry tags corresponding to enterprises in each park, a park-industry tag mapping relationship table is established; based on the park-industry tag mapping relationship table and the enterprise profile of each enterprise, the corresponding industrial chain data for each park is determined, wherein the industrial chain data is used to represent the industrial chain information of the industrial chain to which the enterprises in each park belong.

[0129] Optionally, the intelligent decision output layer is used to generate enterprise customer acquisition lists, park investment reports, and risk warnings based on the monitoring results of the dynamic monitoring layer. The operation steps of the intelligent decision output layer are as follows:

[0130] (1) Generate a customer acquisition list for the enterprise:

[0131] Based on the industrial chain data corresponding to each park obtained from the dynamic monitoring layer, a customer acquisition list (i.e., a financial business list) for each park is generated, which is used by financial institutions to regularly push financial business service information to enterprises in each park.

[0132] (2) Generate an investment promotion report for the industrial park:

[0133] By analyzing the industrial chain data and enterprise profiles for each park obtained from the dynamic monitoring layer, the following information was obtained:

[0134] Enterprise Industry Distribution Bar Chart: Used to display information about the top 5 industrial parks by the number of enterprises;

[0135] Pie chart showing the length of time companies have been established within each park: This is used to display the distribution of information on the duration of company existence in each park in segments;

[0136] Capital density pie chart: used to display the distribution range of registered capital for each company in segments;

[0137] Industry chain heat map: Used to display the industry clustering information of the industry chain formed by enterprises in each park in the form of a heat map.

[0138] Based on the above data, including bar charts of enterprise industry distribution, pie charts of enterprise establishment years, pie charts of capital density, and heat maps of the industrial chain, an investment promotion report is generated for each park.

[0139] (3) Risk warning mechanism:

[0140] Establish a three-tiered risk early warning mechanism, including the following early warning channels:

[0141] Level 1 Early Warning Channel: Used to notify users of changes in qualification information;

[0142] Level 2 early warning channel: Used to alert companies when their R&D capability scores fluctuate;

[0143] Level 3 early warning channel: used to alert enterprises in each park to changes in the industrial chain they form.

[0144] As described above, this application generates a corporate profile for each enterprise by integrating multi-dimensional information on the enterprise's qualifications, business registration, financing, and R&D projects. Combined with a list of enterprises within the industrial park, it clarifies the distribution and relationship between enterprises and financial regions. Further analysis yields the industrial chain data for each park. Finally, based on the industrial chain data for each park, this application generates a customized list of financial services for each enterprise. This process not only comprehensively captures multi-dimensional enterprise information but also deeply analyzes the industrial environment in which the enterprise operates, enabling financial institutions to provide financial services that better meet the specific industrial needs of the enterprise, such as optimizing the layout of financial outlets and matching business types.

[0145] Therefore, this application adopts a multi-source data fusion approach and achieves the goal of accurately identifying the financial business needs of enterprises by constructing multi-dimensional enterprise profiles and analyzing the industrial chain of the park. This achieves the technical effect of improving the correlation between the list of financial services formulated by financial institutions for enterprises and the actual business needs of enterprises, thereby improving the user experience of enterprise users and solving the technical problem of low correlation between financial services pushed by financial institutions to enterprise users and poor user experience in the existing technology.

[0146] Example 2

[0147] This application embodiment can also provide a financial transaction determination device. It should be noted that the financial transaction determination device of this application embodiment can be used to execute the financial transaction determination method provided in this application embodiment. The following is a description of the financial transaction determination device provided in this application embodiment.

[0148] According to an embodiment of this application, an apparatus for determining the above-described financial business is also provided. Figure 5 This is a schematic diagram of an optional financial transaction determination device according to an embodiment of this application, such as... Figure 5 As shown, the device includes: a portrait generation unit 501, a park enterprise table collection unit 502, an industrial chain data determination unit 503, and a list determination unit 504.

[0149] Optionally, the profile generation unit 501 is used to generate a profile of each enterprise based on the enterprise information of each enterprise after receiving authorization information from each of the L enterprises, where L is a positive integer, and the enterprise information includes at least the qualification information, business registration information, financing information, and R&D project information of each enterprise; the park enterprise table collection unit 502 is used to collect the park enterprise table corresponding to the L enterprises, where the park enterprise table is used to record the regional identifier of the financial region to which each enterprise belongs; the industrial chain data determination unit 503 is used to determine the industrial chain data corresponding to each park based on the park enterprise table and the enterprise profile of each enterprise, where each park is the financial region indicated by the regional identifier in the park enterprise table, and the industrial chain data is used to characterize the industrial chain information of the industrial chain to which the enterprises in each park belong; the list determination unit 504 is used to determine the financial business list corresponding to each park based on the industrial chain data corresponding to each park, where the financial business list includes at least the branch scale of the financial outlets deployed in each park and the business identifier of the financial business to be provided by the financial outlets.

[0150] In one optional embodiment, the financial business determination device further includes: an enterprise data table acquisition unit, a statement generation unit, a query unit, and a data cleaning unit.

[0151] Optionally, the enterprise data table collection unit is used to collect M enterprise data tables for each enterprise, where M is a positive integer, and the M enterprise data tables include at least a qualification information table, a business registration information table, a financing event table, and a research and development project information table for each enterprise; the statement generation unit is used to generate a database query statement corresponding to each enterprise based on the enterprise identifier of each enterprise and the table identifier of each enterprise data table in the M enterprise data tables; the query unit is used to query the M enterprise data tables based on the database query statement corresponding to each enterprise to obtain the initial query information of each enterprise; and the data cleaning unit is used to clean the initial query information of each enterprise to obtain the enterprise information of each enterprise, wherein the data cleaning is at least used to remove blank values ​​and duplicate values ​​in the initial query information.

[0152] In one optional embodiment, the portrait generation unit 501 includes a feature extraction subunit and an enterprise portrait subunit.

[0153] Optionally, the feature extraction subunit is used to extract features from the enterprise information of each enterprise to obtain N enterprise features for each enterprise, where N is a positive integer, and the N enterprise features include at least one of the following: a first enterprise feature, used to characterize the preset qualification label corresponding to the qualification information of each enterprise, the preset qualification label being used to characterize the qualification type of the enterprise; a second enterprise feature, used to characterize the enterprise structure corresponding to the business registration information of each enterprise; a third enterprise feature, used to characterize the financing round corresponding to the financing information of each enterprise; a fourth enterprise feature, used to characterize the project score corresponding to the R&D project information of each enterprise, the project score being used to characterize the R&D capability level of the enterprise; and an enterprise profiling subunit is used to generate an enterprise profile for each enterprise based on the N enterprise features of each enterprise.

[0154] In one optional embodiment, the supply chain data determination unit 503 includes: a first tag determination subunit, a second tag determination subunit, and a supply chain data determination subunit.

[0155] Optionally, the first label determination subunit is used to determine the industry label of each enterprise based on the enterprise profile of each enterprise, wherein the industry label is used to represent the industry type of each enterprise; the second label determination subunit is used to determine P industry labels corresponding to each park based on the regional identifier of the financial region to which each enterprise in the enterprise table of each park belongs, wherein P is a positive integer, and the P industry labels are the P industry labels corresponding to the P enterprises in each park; the industrial chain data determination subunit is used to determine the industrial chain data corresponding to each park based on the P industry labels corresponding to each park.

[0156] In one optional embodiment, the supply chain data determination subunit includes: a tag aggregation module, a clustering degree determination module, and an encapsulation module.

[0157] Optionally, the tag aggregation module is used to aggregate the P industry tags corresponding to each park to obtain Q industry chains corresponding to each park, where Q is a positive integer less than or equal to P, and there is a dependency relationship between the two industries indicated by any two industry tags included in each industry chain; the clustering degree determination module is used to determine the industry clustering degree of each industry chain based on the number of industry tags included in each of the Q industry chains; the encapsulation module is used to encapsulate the industry tags included in each industry chain corresponding to each park and the industry clustering degree of each industry chain to obtain the industry chain data corresponding to each park.

[0158] In one optional embodiment, the list determination unit 504 includes: a supply chain data parsing subunit, a network size determination subunit, a business identifier determination subunit, and a list generation subunit.

[0159] Optionally, the following sub-units are included: a supply chain data parsing sub-unit, used to parse the supply chain data corresponding to each park to obtain the industry tags included in each supply chain and the industry agglomeration degree of each supply chain; a branch network size determination sub-unit, used to determine the branch network size of financial branches deployed in each park based on the industry agglomeration degree of each supply chain corresponding to each park; a business identifier determination sub-unit, used to determine the business identifier of the financial services that the financial branches deployed in each park need to provide based on the industry tags included in each supply chain corresponding to each park; and a list generation sub-unit, used to generate a list of financial services corresponding to each park based on the branch network size of the financial branches to be deployed in each park and the business identifier of the financial services that the financial branches need to provide.

[0160] In one optional embodiment, the service identifier determination subunit includes: a correlation coefficient acquisition module, a target service determination module, and a service identifier determination module.

[0161] Optionally, the correlation coefficient acquisition module is used to acquire the correlation coefficient between each industry label included in each industrial chain corresponding to each park and each financial business among X financial businesses, wherein the correlation coefficient is used to characterize the probability that the industry indicated by each industry label needs financial outlets to provide corresponding financial business services; the target business determination module is used to select the financial businesses among the X financial businesses whose correlation coefficient is greater than a preset coefficient as the target businesses corresponding to each park; the business identifier determination module is used to select the business identifier of the target business corresponding to each park as the business identifier of the financial business that the financial outlets deployed in each park need to provide.

[0162] As described above, this application generates a corporate profile for each enterprise by integrating multi-dimensional information on the enterprise's qualifications, business registration, financing, and R&D projects. Combined with a list of enterprises within the industrial park, it clarifies the distribution and relationship between enterprises and financial regions. Further analysis yields the industrial chain data for each park. Finally, based on the industrial chain data for each park, this application generates a customized list of financial services for each enterprise. This process not only comprehensively captures multi-dimensional enterprise information but also deeply analyzes the industrial environment in which the enterprise operates, enabling financial institutions to provide financial services that better meet the specific industrial needs of the enterprise, such as optimizing the layout of financial outlets and matching business types.

[0163] Therefore, this application adopts a multi-source data fusion approach and achieves the goal of accurately identifying the financial business needs of enterprises by constructing multi-dimensional enterprise profiles and analyzing the industrial chain of the park. This achieves the technical effect of improving the correlation between the list of financial services formulated by financial institutions for enterprises and the actual business needs of enterprises, thereby improving the user experience of enterprise users and solving the technical problem of low correlation between financial services pushed by financial institutions to enterprise users and poor user experience in the existing technology.

[0164] It should be noted that the aforementioned portrait generation unit 501, park enterprise table collection unit 502, industrial chain data determination unit 503, and list determination unit 504 correspond to steps S201 to S204 in the method embodiment. The instances and application scenarios implemented by the aforementioned units and corresponding steps are the same, but are not limited to the content disclosed in the aforementioned embodiments. It should be noted that the aforementioned modules or units may be hardware or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The aforementioned modules may also be part of a device and can run on the computer terminal 10 provided in the embodiment.

[0165] Example 3

[0166] Embodiments of this application can also provide an electronic device. Figure 6 This is a structural block diagram of an electronic device according to an embodiment of this application, such as... Figure 6 As shown, the electronic device includes: one or more ( Figure 6 (Only one is shown) Processor 602, memory 604, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0167] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby realizing the above-mentioned method for determining financial business.

[0168] The memory may include high-speed random access memory (RAM), and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, which can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, intranets, local area networks (LANs), mobile communication networks, and combinations thereof.

[0169] The processor can access information and applications stored in memory via a transmission device to execute the following steps: After receiving authorization information from each of the L enterprises, generate an enterprise profile for each enterprise based on the enterprise information of each enterprise, where L is a positive integer, and the enterprise information includes at least the enterprise's qualification information, business registration information, financing information, and R&D project information; collect a park enterprise table corresponding to the L enterprises, where the park enterprise table records the regional identifier of the financial region to which each enterprise belongs; based on the park enterprise table and the enterprise profile of each enterprise, determine the industrial chain data corresponding to each park, where each park is the financial region indicated by the regional identifier in the park enterprise table, and the industrial chain data is used to characterize the industrial chain information of the industrial chain to which the enterprises in each park belong; based on the industrial chain data corresponding to each park, determine the financial business list corresponding to each park, where the financial business list includes at least the network size of the financial outlets deployed in each park and the business identifier of the financial services that the financial outlets need to provide.

[0170] The processor can access information and applications stored in memory via a transmission device to execute the following steps: Collect M enterprise data tables for each enterprise, where M is a positive integer, and the M enterprise data tables include at least a qualification information table, a business registration information table, a financing event table, and a research and development project information table for each enterprise; generate a database query statement corresponding to each enterprise based on the enterprise identifier and the table identifier of each enterprise data table in the M enterprise data tables; perform a query in the M enterprise data tables based on the database query statement corresponding to each enterprise to obtain the initial query information for each enterprise; perform data cleaning on the initial query information for each enterprise to obtain the enterprise information for each enterprise, wherein data cleaning is used at least to remove blank values ​​and duplicate values ​​from the initial query information.

[0171] The processor can access the information and application programs stored in the memory via a transmission device to perform the following steps: extract features from the enterprise information of each enterprise to obtain N enterprise features for each enterprise, where N is a positive integer, and the N enterprise features include at least one of the following: a first enterprise feature, used to characterize the preset qualification label corresponding to the qualification information of each enterprise, the preset qualification label being used to characterize the qualification type of the enterprise; a second enterprise feature, used to characterize the enterprise structure corresponding to the business registration information of each enterprise; a third enterprise feature, used to characterize the financing round corresponding to the financing information of each enterprise; a fourth enterprise feature, used to characterize the project score corresponding to the R&D project information of each enterprise, the project score being used to characterize the R&D capability level of the enterprise; and generate an enterprise profile for each enterprise based on the N enterprise features for each enterprise.

[0172] The processor can access information and applications stored in memory via a transmission device to perform the following steps: determine the industry label for each enterprise based on its enterprise profile, where the industry label represents the industry type to which each enterprise belongs; determine P industry labels for each park based on the regional identifier of the financial region to which each enterprise belongs in the enterprise table of each park, where P is a positive integer, and the P industry labels are the P industry labels corresponding to the P enterprises in each park; and determine the industrial chain data corresponding to each park based on the P industry labels corresponding to each park.

[0173] The processor can access the information and application programs stored in the memory via the transmission device to perform the following steps: aggregate the P industry tags corresponding to each park to obtain Q industry chains corresponding to each park, where Q is a positive integer less than or equal to P, and there is a dependency relationship between the two industries indicated by any two industry tags included in each industry chain; determine the industry agglomeration degree of each industry chain based on the number of industry tags included in each of the Q industry chains; encapsulate the industry tags included in each industry chain corresponding to each park and the industry agglomeration degree of each industry chain to obtain the industry chain data corresponding to each park.

[0174] The processor can access the information and application programs stored in the memory via the transmission device to execute the following steps: parse the industrial chain data corresponding to each park to obtain the industrial tags and industrial agglomeration degree of each industrial chain in each park; determine the network size of financial outlets deployed in each park based on the industrial agglomeration degree of each industrial chain in each park; determine the business identifier of the financial services that the financial outlets deployed in each park need to provide based on the industrial tags included in each industrial chain in each park; and generate a list of financial services corresponding to each park based on the network size of the financial outlets to be deployed in each park and the business identifier of the financial services that the financial outlets need to provide.

[0175] The processor can access the information and application programs stored in the memory via the transmission device to execute the following steps: obtain the correlation coefficient between each industry label included in each industrial chain corresponding to each park and each of the X financial services, where the correlation coefficient is used to characterize the probability that the industry indicated by each industry label needs financial outlets to provide corresponding financial services; select the financial services among the X financial services whose correlation coefficient is greater than a preset coefficient as the target services corresponding to each park; and use the business identifier of the target services corresponding to each park as the business identifier of the financial services that the financial outlets deployed in each park need to provide.

[0176] This application provides a method for determining financial services. By integrating multi-dimensional information on a company's qualifications, business registration, financing, and R&D projects, a company profile is generated for each company. Combined with a list of companies in industrial parks, the distribution relationship between companies and financial regions is clarified. Further analysis yields the industrial chain data for each park. Finally, based on the industrial chain data for each park, this application generates a customized list of financial services for each company. This process not only comprehensively captures multi-dimensional company information but also deeply analyzes the industrial environment in which the company operates, enabling financial institutions to provide financial services that better meet the industry needs of the company, such as optimizing the layout of financial outlets and matching business types.

[0177] Therefore, this application adopts a multi-source data fusion approach and achieves the goal of accurately identifying the financial business needs of enterprises by constructing multi-dimensional enterprise profiles and analyzing the industrial chain of the park. This achieves the technical effect of improving the correlation between the list of financial services formulated by financial institutions for enterprises and the actual business needs of enterprises, thereby improving the user experience of enterprise users and solving the technical problem of low correlation between financial services pushed by financial institutions to enterprise users and poor user experience in the existing technology.

[0178] Those skilled in the art will understand that Figure 6 The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, PDAs, mobile internet devices, PADs, and other terminal devices. Figure 6 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 6 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 6 The different configurations shown.

[0179] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0180] Example 4

[0181] Embodiments of this application may also provide a storage medium.

[0182] Optionally, in this embodiment of the application, the storage medium can be used to store the program code executed by the method for determining financial business provided in the above method embodiment.

[0183] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0184] This application also provides a computer program product that, when executed on a data processing device, is suitable for performing the steps of a defined method for financial transactions.

[0185] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0186] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0187] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0188] The units described as separate components may or may not be physically separate. The components shown as units 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 the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0189] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0190] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0191] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for determining financial transactions, characterized in that, include: After receiving authorization information from each of the L companies, a company profile is generated based on the company information of each company, where L is a positive integer, and the company information includes at least the company's qualification information, business registration information, financing information, and R&D project information. Collect the park enterprise table corresponding to the L enterprises, wherein the park enterprise table is used to record the regional identifier of the financial region to which each enterprise belongs; Based on the enterprise table of the park and the enterprise profile of each enterprise, the industrial chain data corresponding to each park is determined. Each park is a financial region indicated by the regional identifier in the enterprise table of the park, and the industrial chain data is used to characterize the industrial chain information of the industrial chain to which the enterprises in each park belong. Based on the industrial chain data corresponding to each park, a list of financial services corresponding to each park is determined. The list of financial services includes at least the scale of the financial outlets deployed in each park and the business identifiers of the financial services that the financial outlets need to provide.

2. The method for determining financial transactions according to claim 1, characterized in that, Before generating a corporate profile for each enterprise based on its corporate information, the method for determining the financial transaction further includes: Collect M enterprise data tables for each enterprise, where M is a positive integer. The M enterprise data tables include at least the qualification information table, business registration information table, financing event table, and R&D project information table for each enterprise. Based on the enterprise identifier of each enterprise and the table identifier of each enterprise data table in the M enterprise data tables, generate a database query statement corresponding to each enterprise; Based on the database query statement corresponding to each enterprise, queries are performed in the M enterprise data tables to obtain the initial query information for each enterprise; The initial query information of each enterprise is cleaned to obtain the enterprise information of each enterprise, wherein the data cleaning is at least used to remove blank values ​​and duplicate values ​​in the initial query information.

3. The method for determining financial transactions according to claim 1, characterized in that, Generate a corporate profile for each company based on its corporate information, including: Feature extraction is performed on the enterprise information of each enterprise to obtain N enterprise features for each enterprise, where N is a positive integer, and the N enterprise features include at least one of the following: The first enterprise feature is used to characterize the preset qualification tag corresponding to the qualification information of each enterprise, and the preset qualification tag is used to characterize the qualification type of the enterprise; The second enterprise characteristic is used to characterize the enterprise structure corresponding to the business registration information of each enterprise; The third enterprise characteristic is used to characterize the financing round corresponding to the financing information of each enterprise; The fourth enterprise characteristic is used to characterize the project score corresponding to the R&D project information of each enterprise, and the project score is used to characterize the enterprise's R&D capability level. Based on N enterprise characteristics of each enterprise, an enterprise profile is generated for each enterprise.

4. The method for determining financial transactions according to claim 1, characterized in that, Based on the enterprise table of the industrial parks and the enterprise profile of each enterprise, the industrial chain data corresponding to each industrial park is determined, including: Based on the enterprise profile of each enterprise, the industry label of each enterprise is determined, wherein the industry label is used to characterize the industry type to which each enterprise belongs; Based on the regional identifier of the financial region to which each enterprise belongs in the enterprise table of each park, P industry tags are determined for each park, where P is a positive integer, and the P industry tags are the P industry tags corresponding to the P enterprises in each park; Based on the P industry tags corresponding to each park, the industrial chain data corresponding to each park is determined.

5. The method for determining financial transactions according to claim 4, characterized in that, Based on the P industry tags corresponding to each park, the industrial chain data corresponding to each park is determined, including: Aggregate the P industry tags corresponding to each park to obtain Q industry chains corresponding to each park, where Q is a positive integer less than or equal to P, and there is a dependency relationship between the two industries indicated by any two industry tags included in each industry chain. The industrial agglomeration degree of each industrial chain is determined based on the number of industrial tags included in each of the Q industrial chains. The industry tags and industry agglomeration degree of each industry chain corresponding to each park are encapsulated to obtain the industry chain data corresponding to each park.

6. The method for determining financial transactions according to claim 1, characterized in that, Based on the industrial chain data corresponding to each park, a list of financial services corresponding to each park is determined, including: The industrial chain data corresponding to each park is analyzed to obtain the industrial tags included in each industrial chain corresponding to each park and the industrial agglomeration degree of each industrial chain; Based on the industrial agglomeration degree of each industrial chain corresponding to each park, the scale of financial outlets deployed in each park is determined; Based on the industry tags included in each industrial chain corresponding to each park, the business identifiers of the financial services that the financial outlets deployed in each park need to provide are determined. Based on the scale of the financial outlets to be deployed in each park and the business identifiers of the financial services that the financial outlets need to provide, a list of financial services corresponding to each park is generated.

7. The method for determining financial transactions according to claim 6, characterized in that, Based on the industry tags included in each industrial chain corresponding to each park, the business identifiers for the financial services that the financial outlets deployed in each park need to provide are determined, including: Obtain the correlation coefficient between each industry label included in each industrial chain corresponding to each park and each financial business in X financial businesses, wherein the correlation coefficient is used to characterize the probability that the industry indicated by each industry label needs financial outlets to provide corresponding financial business services; Financial transactions with a correlation coefficient greater than a preset coefficient among the X financial transactions are taken as the target transactions for each park. The business identifier of the target business corresponding to each park shall be used as the business identifier of the financial business that the financial outlets deployed in each park need to provide.

8. A device for determining financial transactions, characterized in that, include: The profile generation unit is used to generate a profile of each enterprise based on the enterprise information of each enterprise after receiving authorization information from each of the L enterprises, where L is a positive integer and the enterprise information includes at least the qualification information, business registration information, financing information and R&D project information of each enterprise. The park enterprise table collection unit is used to collect the park enterprise table corresponding to the L enterprises, wherein the park enterprise table is used to record the regional identifier of the financial region to which each enterprise belongs; The industrial chain data determination unit is used to determine the industrial chain data corresponding to each park based on the park enterprise table and the enterprise profile of each enterprise. The park is a financial region indicated by the regional identifier in the park enterprise table, and the industrial chain data is used to characterize the industrial chain information of the industrial chain to which the enterprises in each park belong. The list determination unit is used to determine the financial business list corresponding to each park based on the industrial chain data corresponding to each park. The financial business list includes at least the scale of the financial outlets deployed in each park and the business identifier of the financial business that the financial outlets need to provide.

9. A computer program product, characterized in that, The computer program product includes a computer program, wherein, when the computer program is executed, it controls the computer program product to perform the method for determining financial transactions as described in any one of claims 1 to 7.

10. An electronic device, characterized in that, It includes one or more processors and a memory, the memory being used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the method for determining financial transactions as described in any one of claims 1 to 7.

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