35 results about "Credit line" patented technology

The invention relates to a credit line dynamic management system and method based on an AI large model, and the system comprises the following modules: a data interface module which is used for collecting the real-time financial data, transaction records, credit records and other related information of an individual or an enterprise; the multi-dimensional data analysis engine inputs the data into an analysis engine based on an AI large model; according to the analysis result, the AI model can automatically generate a personalized credit line and repayment deadline strategy for each borrower; and the market risk prediction model integrates the market risk model and predicts the influence of economic fluctuation on the borrowers. According to the invention, banks and financial institutions can provide more personalized and flexible credit services, the credit safety is ensured, and the service quality and the customer experience are improved.

The invention discloses an enterprise credit line risk assessment method and system, and the method comprises the steps: collecting enterprise information corresponding to a to-be-assessed enterprise, the enterprise information including but not limited to enterprise basic information, an enterprise financial report, an enterprise tax record, industry dynamic information, and financing investment information; the enterprise information is preprocessed, noise information and abnormal information in the enterprise information are removed, and to-be-evaluated information is obtained; according to a preset credit granting keyword, extracting credit granting associated data in the to-be-evaluated information; and according to an industry evaluation module corresponding to the to-be-evaluated enterprise in a preset neural network model, analyzing and evaluating the credit granting keyword and the credit granting associated data to obtain a credit coefficient of the to-be-evaluated enterprise, and according to the credit coefficient, evaluating a credit line risk of the to-be-evaluated enterprise. According to the invention, comprehensive and accurate assessment of the credit line risk of the enterprise is realized.

The invention provides a supply chain transaction credit data risk management method and device, and belongs to the technical field of supply chain management. The method provided by the invention comprises the following steps: acquiring credible data; verifying the authenticity of the credible data, performing cleaning, standardization and association processing on the verified data, and constructing a multi-dimensional feature variable; based on the multi-dimensional characteristic variables, through relation graph analysis, machine learning model operation and rule engine judgment, fraud identification, credit scoring, credit line calculation and differentiated interest rate pricing are carried out, and a comprehensive risk assessment result is output; taking the comprehensive risk assessment result as a reference, monitoring key links of supply chain transactions in real time, comparing latest transaction data with the reference, triggering corresponding early warning and automatic disposal actions according to an abnormal level, and recording a disposal process and a result to form feedback data; and comparing the evaluation feedback data with a historical prediction result, and performing iterative optimization on the machine learning model and the multi-dimensional feature variable construction process by using the feedback data.

The invention relates to an enterprise credit evaluation system and method, the system comprises a data acquisition module, a feature engineering module and an evaluation module which are connected in sequence, and the method comprises the steps: obtaining the local data of an enterprise and the data of a regional big data center, and converting the data of the regional big data center into the data of an enterprise big data center; carrying out entropy calculation, IV value calculation and correlation coefficient analysis on the obtained data to determine in-mold multi-dimensional information, carrying out feature screening, screening out important features from the in-mold multi-dimensional information, and constructing a feature set; training an XGBoost model by using the feature set to obtain an enterprise credit evaluation model; and inputting the in-mold multi-dimensional information and the unified social credit code information of the to-be-assessed enterprise into the enterprise credit assessment model, and outputting a credit score and a suggested credit line corresponding to the to-be-assessed enterprise. Compared with the prior art, the method has the advantages that the problems of dispersion and inconsistency of multi-channel data sources in the prior art can be solved, timely updating of the data is ensured, and the accuracy of enterprise credit assessment results is improved.

The invention provides an intelligent product recommendation method based on customer credit, and the method comprises the steps: obtaining a customer credit score and guarantee valuation feature information, and judging the credit granting qualification and the initial credit granting limit of a customer according to a preset customer credit threshold value and a guarantee value threshold value; client credit increasing mode information is obtained, including adding mortgage and providing guarantee, a risk slow release score is obtained according to a guarantee estimated value after credit increasing and a client credit score, and a credit line is adjusted for the second time; and presenting an optimized product recommendation list to the customer, the list including product details, risk prompts and purchase channels, and recording feedback and purchase behaviors of the customer on recommended products to continuously improve the performance of the intelligent recommendation system.

The invention relates to the technical field of financial management, and provides a cross-border e-commerce loan monitoring method and system, a computer readable medium and electronic equipment. Acquiring information of associated shops of the cross-border e-commerce, acquiring operation information of the cross-border e-commerce through the graph database, verifying whether historical transactions of the associated shops under the cross-border e-commerce are legal and affiliated, and generating a verification result; and according to the industry and commerce registration information and the historical operation data of the cross-border e-commerce, in combination with the macroeconomic indexes, analyzing market information representing the industry trend and the overall market risk condition. The graph database is constructed to comprehensively integrate the operation information of the cross-border e-commerce and the associated shops thereof, the legality and authenticity of historical transactions are ensured through strict verification, the accurate credit rating and credit line are generated for the cross-border e-commerce, the efficiency and accuracy of credit decision making are improved, the credit risk is effectively reduced, and the user experience is improved. And powerful data support is provided for healthy development of cross-border e-commerce.

The invention provides a financing method, device and equipment based on government bid invitation and bid winning data and a medium, and the method comprises the steps: obtaining the basic information and bid winning information data of a bid winning enterprise through an administration and acquisition platform interface; carrying out regional division on the bid-winning enterprises, and distributing corresponding regional network points; setting a credit scoring model, after a bid-winning enterprise signs a contract, obtaining record data, performing calculation according to the credit scoring model to obtain a score value, and giving a credit line to the bid-winning enterprise according to the score value; and the final predicted application limit is calculated according to the credit line, the filing amount, the deposit and the payment of the contract, so that the problems of difficulty and high financing of bid-winning suppliers purchased by the government are solved, and entity economy and small and micro enterprises are better served to have sufficient funds.

The invention belongs to the technical field of informatization management, and discloses a shared laboratory service full-process management system and method based on a micro-service architecture. Comprising the steps of performing user authentication on a laboratory user, and generating basic credit line data; the account age of the laboratory order is monitored in real time, and whether a user account is set to be in a frozen state is judged; receiving repayment state data, calculating an unfreezing waiting period, and recovering the user account to a normal state after the unfreezing waiting period is ended; when the user account is in a normal state, starting second-reading timing before the user places an order, and generating an anti-bypassing behavior log; after the second-reading timing is finished, generating comprehensive hash data, executing a digital signature, and generating signature chain data; generating an experiment detection report according to the signature chain data, and embedding a hidden watermark containing comprehensive hash data; the performance bottleneck of a traditional single framework in a high-concurrency scene can be effectively solved, and the management efficiency, the risk control capability and the service quality of the shared laboratory are improved.

The invention discloses a credit line dynamic configuration method and device based on merchant cashier data, equipment and a medium, relates to the technical field of computers, is applied to a bank credit system, and comprises the following steps: collecting transaction data, inventory data, member data, industry data and credit investigation data of merchants in a software-as-a-service cashier system in real time; triggering a timestamp of the data and a device fingerprint recording operation; performing verification, desensitization, standardization processing and abnormal data backflow cleaning on the obtained merchant cashier data acquisition result based on a data governance strategy, and storing the governed data to a data lake; constructing and training a dynamic credit extension model based on the data lake, a plurality of predefined interpretable factors and a preset model self-training rule; and when a money use application initiated by the merchant is received, adjusting the original credit line of the merchant based on the current dynamic credit model, and outputting a target credit line. The financing availability of small and micro merchants can be greatly improved, and business cooperation among banks, merchants and cashier system providers is promoted.

The invention belongs to the field of financial information, and relates to a limit estimation method and device, computer equipment and a storage medium. The quota estimation comprises the following steps: acquiring historical transaction information of a customer, and extracting historical flow information of the customer from the historical transaction information of the customer; feature construction is carried out on multiple dimensions according to the customer historical flow information, and flow derivative features including flow change trend information are obtained; performing feature screening on the basis of the running water derivative features to obtain running water in-mold features; inputting the flow-into-model feature into a pre-trained credit line prediction model to obtain a credit line model score; calculating a credit basic limit according to the customer historical flow information and the flow change trend information; and obtaining a credit line range, and performing credit line estimation according to the credit extension basic line and the credit line model to obtain an effective credit line. According to the invention, the effective credit line of the customer can be accurately estimated according to the historical transaction information of the customer, and the estimation efficiency is improved.

The invention discloses a method and device for determining credit granting by using automatically acquired live broadcast e-commerce transaction data, and belongs to the technical field of e-commerce and financial risk control. The method comprises the following steps: automatically logging in each live broadcast e-commerce platform, and capturing transaction data of a merchant in a live broadcast process in real time or regularly; carrying out cleaning processing on the captured transaction data; and calculating the credit line of the merchant by using the processed transaction data. Through effective utilization and intelligent analysis of live broadcast e-commerce transaction data, the efficiency of data acquisition, processing and analysis is significantly improved, and digital transformation of the e-commerce industry and the financial industry is promoted. The data acquisition efficiency is greatly improved, the credit assessment is more accurate, the credit decision is more scientific, the financial service capability of the live broadcast e-commerce field is enhanced, and the deep fusion of the financial science and technology and the e-commerce industry is promoted.

The embodiment of the invention provides an enterprise credit line determination method and device, equipment, a storage medium and a program product, and relates to the field of financial science and technology or other related fields. The method comprises the steps that a credit granting application sent by a user is received, the credit granting application comprises identification information of a first enterprise, first enterprise asset information is determined according to the identification information of the first enterprise, and first enterprise basic information is determined through a tax system according to the identification information of the first enterprise, and determining a credit line for the first enterprise according to the first enterprise asset information and the first enterprise basic information. According to the method provided by the invention, the enterprise credit line is determined based on the first enterprise asset information and the first enterprise basic information, so that the effect of improving the accuracy of the determined credit line is achieved.

The invention relates to an intelligent credit strategy optimization method and device based on digital twinborn driving, and the method comprises the steps: integrating internal financial data and external associated data based on a multi-source data fusion technology, obtaining multi-source data, and constructing a digital twinborn body based on the multi-source data and a knowledge graph technology; inputting the real-time variable data through a preset credit evaluation model and a digital twinborn simulation technology based on the digital twinborn body, and obtaining a risk evaluation result matched with the business scene; constructing a risk scene library based on a risk assessment result and the digital twin, simulating implementation effects of different credit strategies, and generating an optimal strategy combination; based on the optimal strategy combination and a preset credit target, utilizing a particle swarm optimization algorithm to generate a dynamic adjustment scheme including a credit line, interest rate pricing, guarantee conditions and a post-loan management strategy; and collecting feedback data of service execution, synchronizing the feedback data to the digital twin, and correcting the deviation between the virtual model and the physical service.

The invention provides a credit management and control method and system for industrial product supply chain transaction upstream suppliers. The method comprises the following steps: pre-configuring credit data elements on a credit processing server; the credit granting admission rules of different financial institutions are pre-configured on the credit granting processing server; according to a credit granting application initiated by a supplier on a credit granting processing server, authorizing an agreement system to capture historical transaction data of the supplier and a core enterprise; according to the credit granting application record and the obtained historical transaction data, a credit granting admission rule is executed, and financial institution information is displayed to a supplier; the supplier selects the financial institution, and the credit granting processing server provides the historical transaction data to the financial institution and evaluates the credit granting line of the supplier; and the financial institution informs the credit line to a credit line processing server, and completes credit line processing of the current supplier in the financial institution. The problem of difficulty in credit evaluation of the financial institution can be solved.

The invention relates to an elasticity limit decision calculation method and system based on user behavior data. The system supports real-time response to credit risk change of a user, realizes intelligent distribution and optimization of the credit line through an elastic line adjustment mechanism, gives consideration to risk control and user experience, and has the advantages that the credit line of the user is dynamically evaluated and intelligently adjusted, and the user experience is improved. And the automation and intelligence level of credit risk control and quota management is improved.

The invention discloses a multi-tenant resource dynamic scheduling system, and relates to the technical field of cloud computing platform multi-tenant resource management, and the system comprises a micro resource slicing engine which is used for abstracting physical resources into physical resource units which can be dynamically combined, and disassembling resource requests on a hardware virtualization layer according to service thread granularity. According to the multi-tenant resource dynamic scheduling system, through refined construction of a physical resource unit topology network and a non-critical path triple judgment mechanism, the risk of damage to the service continuity of low-priority tenants is systematically avoided while a high-priority tenant service level protocol is guaranteed. A demand distribution diagram-driven credit line dynamic calculation and countdown releaser binding strategy is adopted to ensure that a resource scheduling behavior is strictly limited by a future demand peak value of a low-priority tenant, so that deterministic management of a borrowing and returning resource space-time relationship is realized, and the problem of excessive resource invasion caused by extensive preemption in a traditional technology is effectively solved.

The invention discloses an intelligent segmentation and management and control model for a credit line in supply chain finance, and the model comprises a data integration module which is used for processing various heterogeneous data of a supply chain enterprise through a cleaning conversion technology, and eliminating data noise; the enterprise portrait construction module is used for converting the unstructured information into quantifiable evaluation indexes based on the data integrated by the data integration module; the risk assessment model is used for establishing a comprehensive risk assessment model according to the indexes; the credit line segmentation module is used for designing a credit line segmentation model on the basis of the enterprise portrait and the risk assessment result; according to the block chain contract application module, participants can share and verify data; the method has the advantages that enterprise operation and transaction are continuously tracked, early warning is triggered through data comparison, the credit line is adjusted in time, risks are effectively prevented and controlled, enterprise development is flexibly supported, the intelligent contract automatically executes credit business logic, human intervention is reduced, business efficiency and accuracy are improved, and operation risks are reduced.

The embodiment of the invention provides a credit line approval method and device, equipment, a storage medium and a product. Comprising the following steps: receiving basic information of a target customer sent by a client; primary screening is carried out on the basic information according to the credit blacklist, and whether the target client exists in the credit blacklist or not is judged; if the target customer is not in the credit blacklist, performing secondary screening on the credit information according to a preset priority sequence, and judging whether the target customer contains a high-risk interception item or not; if the target client does not contain the high-risk interception item, sending an application information filling prompt to the client; according to a preset reference condition, judging whether the application information meets a self-batch credit granting condition or not; if the application information meets the self-batch credit granting condition, obtaining the limit upper limit and the financial score of the target customer; and determining the credit line of the target customer according to the limit upper limit and the financial score of the target customer. The method is used for achieving the effect of improving the credit line approval efficiency.

The invention relates to a digital order financing method and system based on a block chain, a storage medium and a program product, and the method comprises the steps: carrying out the right confirmation of a digital order through obtaining electronic signatures of multiple parties, carrying out the chaining and evidence storage of a Hash value, carrying out the real-time and automatic butt joint of a generated credible order and a credit granting system of a financial institution, and carrying out the real-time and automatic butt joint of the credible order and the credit granting system of a financial institution. According to the method, automatic verification of the financing demand and the credit line, directional payment of loan funds and dynamic updating of the credit line are realized, so that a full-process automatic risk control closed loop from source data credibility to post-loan fund supervision is constructed, and the risk of fund embezzlement is effectively avoided; the approval efficiency of supply chain financing and the system security are effectively improved.

The embodiment of the invention provides a loan credit extension determination method and device, equipment, a medium and a program product, and relates to the field of financial science and technology, the technical field of artificial intelligence or other related fields. The method comprises the following steps: acquiring product planting data; the product planting data is preprocessed and then input into a yield prediction model, the yield corresponding to the product is obtained, and the yield prediction model is obtained by inputting a first training sample set determined based on a target characteristic variable set into a gating circulation unit for training; the target feature variable set is determined based on the influence degree of multiple feature variables in a product planting data sample on the yield; determining a reference score based on the operating parameters and the customer parameters, the operating parameters and the customer parameters being used to indicate the repayment ability of the customer; and determining the credit line and the corresponding interest rate of the customer according to the yield and the reference score. According to the method provided by the invention, the accuracy and objectivity of determining the credit line and the corresponding interest rate are improved.

The invention provides a limit determination method based on a block chain. The limit determination method can be applied to the technical field of block chains. The method comprises the following steps: receiving multi-dimensional carbon emission data uploaded by an enterprise node; verifying the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node; under the condition that the multi-dimensional carbon emission data is real data, determining first carbon credit information of the enterprise based on an intelligent contract; wherein the first carbon credit information is used for reflecting the comprehensive performance of the enterprise in the aspect of carbon emission; in response to a received data acquisition request sent by an institution node, sending the first carbon credit information of the enterprise to the institution node; wherein the first carbon credit information is used for assisting the institution in determining the credit line of the enterprise; and receiving the credit line of the enterprise uploaded by the institution node, and issuing a loan to the enterprise based on the credit line. The invention further provides a limit determination device and equipment based on the block chain, a storage medium and a program product.

The application discloses a service processing method and device, electronic equipment and a storage medium, and relates to the technical field of artificial intelligence. A specific embodiment of the method comprises: receiving a service processing request of a target user, obtaining scene data of a preset scene corresponding to the target user from a database; in response to the scene data meeting a preset condition, calling a data collection engine to collect target attribute information of the target user; calling a preset feature parameter model to determine a feature parameter value of the target user based on the target attribute information; calling a preset timing parameter model to determine a timing parameter matrix of the target user based on the target attribute information; inputting the timing parameter matrix and the feature parameter value into a preset calculation model to calculate a service quota corresponding to the target user, and performing service processing on the target user. The embodiment can solve the problem that the credit line is determined by expert experience, which is not only low in efficiency but also reduces accuracy.

The invention provides a tree hierarchy credit line management system, which relates to the technical field of management, and comprises a line configuration module, the line configuration module divides a line area into a management line and a service line, the service line corresponds to a line account opened by a client, and the management line realizes multi-hierarchy line logic. The problems that in the prior art, in terms of structural composition, principle or method, along with business development, channel financial products are increased, business rules are complex and need to be flexibly adjusted, and the complex and changeable business requirements are difficult to meet in the prior art are solved; when logics such as a whole platform 20W limit and a product customization limit are processed, the prior art may not provide a reasonably designed data structure and a simple calculation logic, resulting in low business execution efficiency; the problems that in the prior art, the structure composition, principle or method cannot adapt to the change of business rules, high-efficiency limit management and risk management are difficult to realize, and the requirements of the current business cannot be met are solved.

The invention discloses a credit line evaluation method and a related device, and relates to the technical field of big data, and the method comprises the steps that a data source end obtains target credit information of a to-be-credit party; and performing homomorphic encryption on the target indexes by using the public key to obtain a homomorphic encryption polynomial of each target index. And sending the encrypted credit granting information to a data evaluation end. And the data evaluation end performs homomorphic operation on the homomorphic encryption polynomial of each target index based on a pre-configured credit evaluation model to obtain a ciphertext credit line. And the data evaluation end uses the private key to decrypt the ciphertext credit line to obtain the plaintext credit line. Therefore, according to the method, the target credit information of the to-be-credit party is subjected to homomorphic encryption operation and decryption operation, so that the credit line of the to-be-credit enterprise can be quickly calculated by using the pre-configured credit evaluation model under the condition of ensuring the data privacy of each party. And the data security and the reliability of the credit line of the to-be-credit enterprise are improved.

The embodiment of the invention provides a staged management method and system and a related device, and relates to the field of financial science and technology or other related fields. The method comprises the steps of obtaining user data and vehicle data in a pre-loan stage; verifying the authenticity of the user data, determining the credit line of the user based on the verified user data, and predicting the vehicle value based on the vehicle data; determining a loan amount of the user based on the vehicle value and the credit line; in the loan stage, in response to the contract signing application, generating a loan contract and a fund supervision account based on the verified user data and loan amount; injecting corresponding funds into the fund supervision account based on the loan amount, and unfreezing the funds in the fund supervision account in batches based on a preset transaction stage; and in the post-loan stage, based on the user data, a corresponding communication strategy is adopted to carry out repayment reminding, and abnormal state monitoring is carried out on the vehicle. According to the scheme, the risk control precision and the process efficiency of the automobile staged business are improved.

The invention relates to a method and system for determining a credit line, and the method comprises the steps: starting a monitoring node to monitor key monitoring items in borrower data information, and generating a key monitoring item data curve; constructing a correlation function, and generating a correlation curve; the key monitoring item data curve and the correlation function are calibrated in the same coordinate system, and abnormal nodes of the key monitoring item are monitored according to the calibrated coordinate system; fitting monitoring item abnormal nodes obtained in a period of time, predicting an abnormal point appearance range coordinate in a next set time period, if the occurrence of the abnormal point in the next time period accords with a prediction result, performing no action, and otherwise, triggering a credit line adjustment process; the key monitoring item can be monitored in real time, and the abnormal condition of the key monitoring item can be fed back in time, so that a reliable data basis is provided for determining and adjusting the credit line, the reliability of a credit extension system is improved, and the credit extension risk faced by a bank party is reduced.

The invention provides a novel agricultural operation subject credit granting and increasing method and device, equipment and a storage medium. The method comprises the steps that multiple participants acquire data sets related to all novel agricultural operation subjects from respective data sources; the data set comprises related data of functional departments, related data from the novel agricultural operation subject information management platform and related data from banks; performing longitudinal entity alignment association on the data set by using a unique identifier of a novel agricultural operation subject; inputting the data set related to the novel agricultural operation subject into a credit line prediction model of the novel agricultural operation subject based on privacy calculation to obtain a credit line; and determining a target credit line of the novel agricultural operation subject based on the credit line. Through real-time convergence and fusion calculation of multi-channel information, the information transparency between a bank and a novel agricultural operation subject is improved, the credit line of the novel agricultural operation subject is improved by using multi-source data, and the method is high in efficiency, low in cost, objective, accurate and sustainable.

The embodiment of the invention provides a credit line decision-making method, device and equipment in the credit loan field, and the method comprises the steps: constructing a dynamic network potential space model which is used for representing the change of the operation state of an enterprise and is provided with a change point according to the original transaction data of the enterprise at different time points, the dynamic network potential space model comprises network potential space models at different time points; performing parameter estimation on the dynamic network potential space model to obtain a potential space of the transaction network; based on a likelihood ratio test algorithm, detecting change points of a potential space from each time point; and determining the credit line of the enterprise according to the change point of the potential space and the feature vector centrality of the enterprise. According to the method, a multi-dimensional dynamic network representation model is constructed, fund exchange data among enterprises is converted into a sequential network topology structure, a potential space change point detection mechanism is introduced, a credit line is dynamically adjusted, and the credit line is dynamically and flexibly adjusted according to real-time operation conditions of small and micro enterprises, so that efficient configuration of credit resources is realized.

The invention provides a loan parameter configuration method and related equipment, and belongs to the technical field of data processing, and the method comprises the steps: responding to a user registration request, and displaying a registration information input area in a new user registration interface; in response to the file signing request, displaying a to-be-signed file information display area and a signing confirmation control on a signing authorization file interface; in response to the quota application operation, displaying a loan product which can be selected by the user on a loan selection interface; in response to a selection operation on the loan product, displaying a selected loan product parameter; in response to the expenditure request, displaying an expenditure amount input area, a graphic verification code input area, a short message verification code input area and an expenditure confirmation control; and in response to the loan request, displaying a loan information input area on the loan information input interface, the loan information input area comprising a plurality of information boxes for the enterprise user to input loan information. According to the invention, the loaning process is visualized, and the user experience is improved.

The invention discloses a credit line evaluation method and device, electronic equipment and a storage medium. The method comprises the following steps: when a risk event is monitored, obtaining a first risk control index and a second risk control index corresponding to a target object; wherein the first risk control index is acquired from a preset database; the second risk control index is obtained from a preset association relationship knowledge graph; determining a limit adjustment coefficient according to the first risk control index and the second risk control index; and adjusting the current credit line of the target object by using the line adjustment coefficient to obtain a target credit line. According to the technical scheme, the associated risk can be accurately identified in real time, the credit line can be dynamically adjusted, and the initiative and effectiveness of risk prevention and control are remarkably improved.