17 results about "Credit line" patented technology

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 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 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 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 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 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 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 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.

The embodiment of the invention provides a risk control credit assessment method and system. The method comprises the steps of collecting multi-modal data of a user, performing deep semantic feature extraction on the preprocessed multi-modal data to generate a multi-dimensional semantic feature, generating a knowledge graph feature based on the multi-modal data of the user by adopting a financial knowledge domain graph, and extracting the knowledge graph feature based on the multi-modal data of the user. And fusing the multi-dimensional semantic features and the knowledge graph features by adopting a cross-modal alignment mechanism to generate fusion features, performing semantic enhancement and risk tag association on the fusion features, training a risk control credit extension model based on the processed fusion features, and performing risk control credit extension on the risk control credit extension model. And evaluating a risk score and a credit line of a to-be-tested user based on the risk control credit model. In this way, the risk control credit granting accuracy can be improved.

The invention relates to a business and financial integrated management and control method and system based on a cost and profit dynamic credit granting mechanism and a medium, and the system comprises a machine account management and control module which builds a cost machine account and a profit machine account according to the needs of production management and development planning, cost credit granting or profit credit granting is provided for the project under the conditions that accounts receivable cannot be recovered in time and department cost or profit ledgers are in shortage; the credit mechanism management module is used for establishing a cost credit line and credit interest rate calculation model by taking a department as a unit; the credit management module is used for carrying out project cost credit application and approval according to project production and operation requirements, and carrying out cost credit dynamic adjustment and profit credit accounting according to practice; the interest bearing management module is used for calculating cost credit principal and interest; the supervision module carries out indirect management and control on a production project cost ledger and a profit ledger. According to the method, the credit line can be dynamically adjusted in real time by combining the dynamic change of the cost and the profit, the risk and the profit are balanced, and service expansion and risk control are supported.