CN111815464A - Credit reporting method and device suitable for IoT smart terminal - Google Patents

Abstract

The credit investigation method is applicable to an intelligent end of the Internet of things, and credit related information aiming at an enterprise to be subjected to credit investigation is acquired through an acquisition module; training a financial wind control model according to the credit related information through a training module, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be assessed; extracting data corresponding to the data items from an intelligent end of the internet of things for the enterprise to be assessed according to the financial wind control model through an extraction module; and finally, calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model through a credit investigation calculation module. The device can accurately and quickly complete credit investigation operation aiming at small and micro enterprises, and has feasibility and usability for improving credit investigation safety. The utility model also provides a credit investigation device suitable for thing networking intelligent terminal.

Description

Credit reporting method and device suitable for IoT smart terminal

technical field

The present disclosure relates to the technical field of intelligent hardware and mobile payment, and in particular, to a credit reporting method and device suitable for an intelligent terminal of the Internet of Things.

Background technique

For traditional financial institutions, customer credit information mainly comes from basic production and operation conditions or bad credit records and other bad debts. The investigation angle is single and one-sided, and the credit rating and credit line of corporate users rely too much on subjective judgment and experience accumulation. , it is prone to credit risks caused by misjudgment, and it is difficult to make accurate credit judgments for new users.

Due to the above reasons, small and micro enterprises (registered capital < 10 million yuan) often face difficult and expensive financing problems. Small and micro enterprises have high costs (>18%) through guarantee, financial leasing, factoring, and supply chain financial channels, while banks and insurance companies have low capital costs (much lower than 8%). However, due to strict risk control procedures, low cost It is difficult for funds to flow into small and micro enterprises. On the other hand, loan platforms that rely solely on big data or blockchain cannot provide effective credit endorsements for small and micro enterprises because they cannot fundamentally solve the problem of reliability of information sources.

SUMMARY OF THE INVENTION

In order to solve the technical problems in the prior art, the embodiments of the present disclosure provide a credit reporting method and device suitable for the intelligent terminal of the Internet of Things, which can accurately and quickly complete the credit reporting operation for small and micro enterprises, and has the advantages of improved credit reporting security. Feasibility and ease of use.

In a first aspect, an embodiment of the present disclosure provides a credit reporting method suitable for an IoT smart terminal, the method includes: acquiring credit-related information for an enterprise to be credited; training a financial risk control model according to the credit-related information, wherein, The financial risk control model includes data items and data processing methods required for calculating the enterprise to be credited; according to the financial risk control model, the data items are extracted from the intelligent terminal of the Internet of Things for the enterprise to be credited. Corresponding data; according to the data processing method in the financial risk control model, the data is used to calculate the credit investigation result.

In a second aspect, an embodiment of the present disclosure provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, implements the steps of the foregoing method.

In a third aspect, an embodiment of the present disclosure provides a computer device, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the above-mentioned method when executing the program. step.

In a fourth aspect, an embodiment of the present disclosure provides a credit reporting device suitable for an IoT smart terminal, the device comprising: an acquisition module for acquiring credit-related information for an enterprise to be credited; a training module for obtaining credit-related information according to the credit Relevant information to train a financial risk control model, wherein the financial risk control model includes data items and data processing methods required for calculating the enterprise to be credited; an extraction module is used for extracting data from the financial risk control model according to the financial risk control model. The Internet of Things intelligent terminal of the enterprise to be credit investigation extracts the data corresponding to the data item; the credit investigation calculation module is configured to use the data to calculate the credit investigation result according to the data processing method in the financial risk control model.

The credit reporting method and device suitable for the intelligent terminal of the Internet of Things provided by the present invention obtain the credit-related information for the enterprises to be credited; train a financial risk control model according to the credit-related information, wherein the financial risk control model includes a calculation method. the data items and data processing methods required by the enterprises to be credit investigation; extract the data corresponding to the data items from the Internet of Things intelligent terminal for the enterprises to be credit investigation according to the financial risk control model; according to the financial risk control model The data processing method in the control model uses the data to calculate the credit result. The method can accurately and quickly complete credit reporting operations for small and micro enterprises, and has the feasibility and ease of use to improve the security of credit reporting.

Description of drawings

In order to illustrate the technical solutions of the embodiments of the present disclosure more clearly, the following briefly introduces the accompanying drawings that need to be used in the description of the embodiments:

1 is a schematic flowchart of steps of a credit reporting method applicable to an IoT smart terminal in an embodiment of the present invention;

2 is an exemplary diagram of an edge smart camera in a credit reporting method applicable to an IoT smart terminal in an embodiment of the present invention;

3 is a schematic structural diagram of a credit reporting device suitable for an IoT smart terminal according to an embodiment of the present invention;

4 is a hardware block diagram of a credit reporting device suitable for an IoT smart terminal according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of a computer-readable storage medium in one embodiment of the present invention.

Detailed ways

The present application will be further described in detail below with reference to the accompanying drawings and embodiments.

In the following introduction, the terms "first" and "second" are used for descriptive purposes only, and should not be construed as indicating or implying relative importance. The following introduction provides multiple embodiments of the present disclosure, and the different embodiments may be substituted or combined in combination, so this application should also be considered to include all possible combinations of the same and/or different embodiments described. Thus, if one embodiment includes features A, B, C and another embodiment includes features B, D, the application should also be considered to include all other possible combinations of one or more of A, B, C, D example, although this example may not be explicitly described in the following content.

In order to make the objectives, technical solutions and advantages of the present invention clearer, the following examples and the accompanying drawings will further describe the specific implementations of the credit reporting method and device applicable to the intelligent terminal of the Internet of Things of the present invention in detail. It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention.

As shown in FIG. 1, it is a schematic flowchart of a credit reporting method applicable to an IoT smart terminal in one embodiment, which specifically includes the following steps:

Step 11: Acquire credit-related information for the enterprise to be credited.

Specifically, acquiring the credit-related information for the enterprise to be investigated for credit includes: acquiring the authorization of the enterprise to be investigated for credit; and collecting data information of the enterprise to be investigated through the Internet of Things intelligent terminal.

Step 12: Train a financial risk control model according to the credit-related information, wherein the financial risk control model includes data items and data processing methods required for calculating the enterprise to be credited.

It should be noted that the data items include one or any combination of the following: transaction data, inventory data, and plant data.

Step 13: Extract data corresponding to the data item from the IoT intelligent terminal for the enterprise to be credited according to the financial risk control model.

It can be understood that the IoT smart terminal of the enterprise to be credited includes one or any combination of the following: edge smart camera, temperature sensor, humidity sensor, injection molding machine sensor, smart electricity meter, smart water meter, and smart gas meter.

Specifically, as shown in Figure 2, the edge smart camera is designed with beveled feet and concave-convex shapes. The fan and the board are placed side by side, and the air outlet is in the front. The overall proportion is slender, with a sense of design, and the screw holes are exposed. Simple structure.

PANTONE424C and PANTONE426C contrast colors to enhance the visual impact. There are jacks and antennas on both sides, and the number of jack buttons can be adjusted. Since there are too many external jacks and they are too close, an integrated design is made with soft rubber plugs. The part connected to the bracket is placed at the bottom. It should be further noted that the edge smart camera uses a video object recognition algorithm based on a deep convolutional neural network, plus the Hungarian algorithm to associate the same object between adjacent frames. The specific calculation process is as follows: first, a video recognition algorithm based on a deep convolutional neural network is used to identify a product (object) that is being produced in the workshop, and the detected bounding box of the product in the frame at time t is compared with that of the product. All the bounding boxes detected in the frame at time t-1 are matched using the Hungarian algorithm; then the following algorithm is used to predict the position of the bounding box of the object in the future, in order to accurately track the same product. The object tracking algorithm consists of two steps, prediction and correction.

For the prediction step, state x' and uncertainty P' at time t are estimated from state x and uncertainty P at time t-1

x'=Fx+u

P'=FPF ^T +Q

Among them, F: transition matrix from t-1 to t; u: noise; Q: covariance matrix containing noise.

To be clear, for the correction step, the z measurements obtained from the sensor are used to correct our previous predictions to obtain x and P.

y=z-Hx′

S=HP′H ^T +R

K=P'H ^T S ^-1

x=x′+Ky

P=(I-KH)P'

where, z: the actual measurement obtained from the physical sensor; y: the difference between the actual measurement and the predicted value, i.e. the error; S: the estimated systematic error; H: the transformation matrix between the sensor label and our label; Noise-related covariance matrix (provided by the sensor manufacturer); K: take a value between 0 and 1 as a gain factor that reflects the magnitude of the corrected forecast demand; through the correction stage, it is possible to obtain x that is closer to the real than the actual measurement and the data value of P.

In summary, obtaining credit-related information of companies to be credit-reported through edge smart cameras can be accurate, high-speed, on-the-spot modeling, identify product quantity, estimate output, and cross-validate.

In addition, it should be noted that the intelligent video capture equipment group is an edge intelligent camera (pan/tilt) with its own property rights, that is, a camera with an image AI processing unit (GPU) that can adjust the angle and focus. It can distinguish the number and model of products on the production line and transmit the results wirelessly. It has its own storage medium, contains a deep learning model for object recognition, and can be updated as needed; EPC (Electronic Product Code) + RFID (Radio Frequency Identification) tracking , that is, through RFID technology, tracking the EPC of the goods, so as to accurately control the production, sales, transportation and warehousing of a batch of goods; Programmable Logic Controller (PLC), that is, PLC uses programmable memory, with It is used to store and execute instructions for operations such as logical operations, sequence control, timing, counting and arithmetic operations in it, and through digital and analog input and output, it plays the role of data aggregation and transmission in the system; compression molding Machine sensor, which can monitor whether the compression molding machine is on, shut down or failure, and monitor the frequency of the mechanical arm of the compression molding machine to obtain the number of molds; temperature and humidity sensor, that is, measure and obtain the production environment inside the workshop, and its stability is important for manufacturing Industry, especially the product quality of precision manufacturing enterprises, has a certain role in predicting; smart meters, water meters, and gas meters, that is, through the means of the Internet of Things, to master the user power data transmitted by smart terminals, and use the power consumption data to perceive the business status of the enterprise. To sum up, the above-mentioned devices are selectively networked to extract the data corresponding to the data item.

Step 14: Calculate a credit investigation result using the data according to the data processing method in the financial risk control model.

Specifically, the credit investigation result includes one of the following or any combination thereof: transaction credit score, transaction credit rating, financial risk level, risk score, and suggested credit line.

In addition, the credit reporting method applicable to an IoT smart terminal involved in the present disclosure further includes: sending the credit reporting result to a computer system of a financial institution, so that the financial institution computer system completes credit granting according to the credit reporting result. As a result, the security and ease of use of credit granting are improved.

Further, the credit reporting method applicable to the intelligent terminal of the Internet of Things related to the present disclosure further includes: sequentially encrypting, storing and backing up the data generated by the edge terminal of the enterprise to be credited. As a result, the accuracy and applicability of the credit reporting method are improved.

In this embodiment, the credit-related information for the enterprise to be investigated for credit is obtained; a financial risk control model is trained according to the credit-related information, wherein the financial risk control model includes data items required for calculating the enterprise to be investigated for credit and data processing methods; extract data corresponding to the data items from the Internet of Things intelligent terminal for the enterprise to be credited according to the financial risk control model; use the data processing methods in the financial risk control model Data calculation credit results. This method solves the problems of information island and adverse selection. Relying on the information, funds and physical interaction information between things and people, implement intelligent identification, positioning, tracking, monitoring and management, grasp the manufacturing and operation conditions of the enterprise in real time, and realize the pledge list and physical inventory, loan amount and The corresponding pledge value, and can track the raw material procurement, production, sales, transportation and warehousing of financing enterprises in real time, so that measures can be taken in time to reduce the risk of capital return. And it can accurately and quickly complete credit reporting operations for small and micro enterprises, and has the feasibility and ease of use to improve the security of credit reporting.

Based on the same inventive concept, a credit reporting device suitable for an IoT smart terminal is also provided. Since the principle of the device for solving the problem is similar to the aforementioned credit reporting method applicable to the smart terminal of the Internet of Things, the implementation of the device can be implemented according to the specific steps of the aforementioned method, and the repetition will not be repeated.

As shown in FIG. 3 , it is a schematic structural diagram of a credit reporting device suitable for an IoT smart terminal in one embodiment. The credit reporting device 10 suitable for an IoT smart terminal includes an acquisition module 100 , a training module 200 , an extraction module 300 and a credit reporting calculation module 400 .

Wherein, the acquisition module 100 is used for acquiring credit-related information for the enterprises to be investigated for credit; the training module 200 is used for training a financial risk control model according to the credit-related information, wherein the financial risk control model includes calculating the credit information to be investigated. The data items and data processing methods required by the enterprise; the extraction module 300 is configured to extract the data corresponding to the data items from the Internet of Things intelligent terminal for the enterprise to be credited according to the financial risk control model; the credit calculation module 400 is used to calculate a credit investigation result using the data according to the data processing method in the financial risk control model.

In this embodiment, the credit-related information for the enterprises to be investigated for credit is obtained through the acquisition module; the financial risk control model is then trained according to the credit-related information through the training module, wherein the financial risk control model includes calculating the The data items and data processing methods required by the credit enterprise; and then the extraction module extracts the data corresponding to the data items from the Internet of Things intelligent terminal for the enterprise to be credit investigation according to the financial risk control model; finally, through the credit investigation The calculation module uses the data to calculate the credit investigation result according to the data processing method in the financial risk control model. The device solves the problems of information island and adverse selection. Relying on the information, funds and physical interaction information between things and people, implement intelligent identification, positioning, tracking, monitoring and management, grasp the manufacturing and operation conditions of the enterprise in real time, and realize the pledge list and physical inventory, loan amount and The corresponding pledge value, and can track the raw material procurement, production, sales, transportation and warehousing of financing enterprises in real time, so that measures can be taken in time to reduce the risk of capital return. And it can accurately and quickly complete credit reporting operations for small and micro enterprises, and has the feasibility and ease of use to improve the security of credit reporting.

FIG. 4 is a hardware block diagram illustrating a credit reporting device suitable for an IoT smart terminal according to an embodiment of the present disclosure. As shown in FIG. 4 , a credit reporting device 30 suitable for an IoT smart terminal according to an embodiment of the present disclosure includes a memory 301 and a processor 302 . The various components in the credit reporting device 30 suitable for the intelligent terminal of the Internet of Things are interconnected through a bus system and/or other forms of connection mechanisms (not shown).

Memory 301 is used to store non-transitory computer readable instructions. Specifically, the memory 301 may include one or more computer program products, and the computer program products may include various forms of computer-readable storage media, such as volatile memory and/or non-volatile memory. Volatile memory may include, for example, random access memory (RAM) and/or cache memory, among others. Non-volatile memory may include, for example, read only memory (ROM), hard disk, flash memory, and the like.

The processor 302 may be a central processing unit (CPU) or other form of processing unit with data processing capability and/or instruction execution capability, and may control other components in the credit reporting device 30 suitable for the IoT smart terminal to execute the desired Function. In an embodiment of the present disclosure, the processor 302 is configured to run the computer-readable instructions stored in the memory 301, so that the credit reporting device 30 suitable for the IoT smart terminal executes the above-mentioned credit reporting method suitable for the IoT smart terminal. The credit reporting device suitable for the IoT smart terminal is the same as the embodiment described above for the credit reporting method suitable for the IoT smart terminal, and the repeated description thereof will be omitted here.

5 is a schematic diagram illustrating a computer-readable storage medium according to an embodiment of the present disclosure. As shown in FIG. 5 , a computer-readable storage medium 400 according to an embodiment of the present disclosure has non-transitory computer-readable instructions 401 stored thereon. When the non-transitory computer-readable instructions 401 are executed by the processor, the credit reporting method applicable to the smart terminal of the Internet of Things according to the embodiments of the present disclosure described above is executed.

Above, according to the embodiments of the present disclosure, the credit reporting method and device suitable for an IoT smart terminal, and the computer-readable storage medium can accurately and quickly complete the merchant order creation operation, and have the feasibility and ease of use to improve payment security. beneficial effect.

The basic principles of the present disclosure have been described above with reference to specific embodiments. However, it should be pointed out that the advantages, advantages, effects, etc. mentioned in the present disclosure are only examples rather than limitations, and these advantages, advantages, effects, etc. should not be considered to be A must-have for each embodiment of the present disclosure. In addition, the specific details disclosed above are only for the purpose of example and easy understanding, but not for limitation, and the above details do not limit the present disclosure to be implemented by using the above specific details.

The block diagrams of devices, apparatuses, apparatuses, and systems referred to in this disclosure are merely illustrative examples and are not intended to require or imply that the connections, arrangements, or configurations must be in the manner shown in the block diagrams. As those skilled in the art will appreciate, these means, apparatuses, apparatuses, systems may be connected, arranged, configured in any manner. Words such as "including", "including", "having" and the like are open-ended words meaning "including but not limited to" and are used interchangeably therewith. As used herein, the words "or" and "and" refer to and are used interchangeably with the word "and/or" unless the context clearly dictates otherwise. As used herein, the word "such as" refers to and is used interchangeably with the phrase "such as but not limited to".

Also, as used herein, the use of "or" in a listing of items beginning with "at least one" indicates a separate listing, such that, for example, a listing of "at least one of A, B, or C" means A or B or C, or AB or AC or BC, or ABC (ie A and B and C). Furthermore, the word "exemplary" does not imply that the described example is preferred or better than other examples.

It should also be pointed out that in the system and method of the present disclosure, each component or each step can be decomposed and/or recombined. These disaggregations and/or recombinations should be considered equivalents of the present disclosure.

Various changes, substitutions and alterations to the techniques described herein can be made without departing from the techniques taught by the appended claims. Furthermore, the scope of the claims of the present disclosure is not to be limited to the specific aspects of the process, machine, manufacture, composition of events, means, methods and acts described above. A currently existing or later-to-be-developed process, machine, manufacture, composition, means, method, or act of performing substantially the same function or achieving substantially the same results as the corresponding aspects described herein may be utilized. Accordingly, the appended claims include within their scope such processes, machines, manufacture, compositions of events, means, methods, or acts.

The above description of the disclosed aspects is provided to enable any person skilled in the art to make or use the present disclosure. Various modifications to these aspects will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other aspects without departing from the scope of the present disclosure. Thus, the present disclosure is not intended to be limited to the aspects shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

The foregoing description has been presented for the purposes of illustration and description. Furthermore, this description is not intended to limit embodiments of the present disclosure to the forms disclosed herein. Although a number of example aspects and embodiments have been discussed above, those skilled in the art will recognize certain variations, modifications, changes, additions and sub-combinations thereof.

Claims (10)

1. A credit investigation method suitable for an Internet of things intelligent terminal is characterized by comprising the following steps:

acquiring credit related information aiming at an enterprise to be assessed;

training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit;

extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be credit according to the financial wind control model;

and calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model.

2. The credit investigation method suitable for the intelligent end of the internet of things according to claim 1, further comprising:

and sending the credit investigation result to a computer system of a financial institution so that the computer system of the financial institution completes credit investigation according to the credit investigation result.

3. The credit investigation method suitable for the intelligent end of the internet of things according to claim 2, further comprising: and sequentially carrying out encryption, storage and backup operations on the data generated by the edge terminal of the enterprise to be credit.

4. The credit investigation method suitable for the internet of things smart terminal according to claim 1, wherein the obtaining credit-related information for an enterprise to be credit investigated comprises:

obtaining the authorization of an enterprise to be assessed;

and acquiring the data information of the enterprise to be credit through an intelligent end of the Internet of things.

5. The credit investigation method suitable for the intelligent terminal of the internet of things according to claim 1, wherein the data items comprise one of the following items or any combination thereof: transaction data, inventory data, plant data.

6. The credit investigation method suitable for the intelligent end of the internet of things according to claim 1, wherein the intelligent end of the internet of things of the enterprise to be credited comprises one of the following items or any combination thereof: edge intelligent camera, temperature sensor, humidity transducer, injection molding machine sensor, smart electric meter, intelligent water gauge, intelligent gas meter.

7. The credit investigation method suitable for the internet of things smart terminal according to claim 1, wherein the credit investigation result comprises one of the following or any combination thereof: transaction credit score, transaction credit rating, financial risk level, risk score, suggested credit line.

8. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.

9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1-7 are implemented when the program is executed by the processor.

10. Credit investigation device suitable for thing networking intelligent terminal, its characterized in that, the device includes:

the acquisition module is used for acquiring credit related information of an enterprise to be assessed;

the training module is used for training a financial wind control model according to the credit related information, wherein the financial wind control model comprises data items and data processing modes required by the enterprise to be credit;

the extraction module is used for extracting data corresponding to the data items from an Internet of things intelligent terminal aiming at the enterprise to be assessed according to the financial wind control model;

and the credit investigation calculation module is used for calculating a credit investigation result by using the data according to a data processing mode in the financial wind control model.

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