CN107330785A - A kind of petty load system and method based on the intelligent air control of big data - Google Patents
A kind of petty load system and method based on the intelligent air control of big data Download PDFInfo
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Abstract
The invention discloses a kind of petty load system and method based on the intelligent air control of big data, wherein petty load system includes back-stage management server, and back-stage management server includes front end access system, big data air control system, loan transaction system；Big data air control system includes data acquisition module, air control engine modules, model training module, credit evaluation module；Data acquisition module, which is used to collecting user data information, goes forward side by side line number Data preprocess；Air control engine modules carry out anti-fraud decision-making using the anti-fraud model based on random forests algorithm；Model training module is used to carry out model optimization to anti-fraud model by the operation of at least two sample set；Credit evaluation module carries out score assessment using logistic regression algorithm to user credit.Overall examination ＆ verification speed of the invention is fast, and data examination ＆ verification is comprehensive, and risk anticipation accuracy is high, effectively reduces petty load risk.
Description
Technical field
The present invention relates to a kind of petty load system and method based on the intelligent air control of big data, belong to the financial skill in internet
Art field.
Background technology
Internet finance is that conventional banking facilities are realized with Internet enterprises using Internet technology and ICT
Financing, payment, the Novel finical business model of investment and intermediary information service.Internet is the general trend of events with financial depth integration
Become, will be to producing more deep effect in terms of financial product, business, tissue and service.Internet finance is small to promoting
Micro- enterprise development and expand employment and played the positive role that existing financial institution is difficult to substitute, be it is popular start an undertaking, millions of people innovation
Open gate.
Petty load is the synthesis consumptive loan using personal or enterprise as core, the amount of money of loan be generally 1000 yuan with
On, less than 200,000 yuan.There is problems with the petty load of current China：
Firstth, petty load lacks the security mechanism finally repaid, and the borrower of petty load is usually entrepreneur, and many
For cash-starved person, if started an undertaking successfully, he is ready repayment of bank loans, but if starts an undertaking failure, monetary losses, the profit of money-lender
Benefit is just difficult to ensure；
Secondth, petty load operating cost is too high.Petty load belongs to retail loan, a loan teller at most marketing one or two
Hundred loans, but the amount of money is but only millions of, and the scale effect of this and wholesale loan can not be than relative cost
It is high.Equally it is the loan of one hundred million, if lening large enterprises, it is only necessary to which a customer manager can just handle, and handle small
Volume loan may thousands of portfolios, light customer manager is accomplished by more than ten, and manpower and materials cost is too high；
3rd, the credit system missing of entire society, what the petty load overwhelming majority was relied on is credit underwriting, gains loan by cheating
Malicious act happen occasionally.
It can be seen that petty load still has larger risk at present, existing risk control method is usually to use line
Lower manual examination and verification, not only speed is slow, and artificially mistake easily occurs in examination ＆ verification, audits not comprehensive enough, data review scope is narrow, no
Rationally accurately risk anticipation can be made, it is therefore desirable to petty load risk control problem solve.
The content of the invention
It is an object of the invention to provide a kind of petty load system and method based on the intelligent air control of big data, examination ＆ verification speed
Degree is fast, and data examination ＆ verification is comprehensive, and risk anticipation accuracy is high, effectively reduces petty load risk.
To achieve the above object, the present invention provides a kind of petty load system based on the intelligent air control of big data, described small
Volume loan system includes back-stage management server, and the back-stage management server includes front end access system, big data air control system
System, loan transaction system；
The front end access system includes background management system AM access module, official website AM access module, terminal AM access module, the
Tripartite's push piece AM access module；The background management system AM access module is used to realize the business pipe to the petty load system
Reason；The official website AM access module is used to realize that the data between the petty load system and official website are docked；The terminal
AM access module is used to realize that the data between the petty load system and intelligent terminal are docked；Third party's push piece accesses mould
Block is used to realize that the data between the petty load system and third party's recommendation platform are docked；
The big data air control system includes data acquisition module, air control engine modules, model training module, credit evaluation
Module；The data acquisition module, which is used to collecting user data information, goes forward side by side line number Data preprocess；The air control engine modules profit
Carried out instead cheating decision-making with the anti-fraud model based on random forests algorithm；The model training module is used to pass through at least two
The operation of sample set carries out model optimization to anti-fraud model；The credit evaluation module is believed user using logistic regression algorithm
With carrying out score assessment；
The loan transaction system includes air control management module；The air control management module passes through big data air control system pair
The petty load system carries out air control management.
A kind of petty load system based on the intelligent air control of big data as described above, the front end access system also includes
Wechat AM access module, the wechat AM access module is used to realize that the petty load system is docked with the data of wechat platform, uses
The data access of petty load system is realized by wechat client in family.
A kind of petty load system based on the intelligent air control of big data as described above, what the data acquisition module was collected
User profile includes routine data, real time data, and data acquisition module is realized distributed by Spark universal parallels Computational frame
Calculate.Spark is the computing engines for the Universal-purpose quick for aiming at large-scale data processing and designing, by Spark at structure
The framework of Stream data is managed, Stream data are divided into small time segment, located in the way of similar batch batch processings
Manage this fraction data.
Further, the routine data includes identity information, the report of history reference, personal education, occupancy information, and data are adopted
Collection module realizes routine data ETL processing using Map-reduce principles.Map-Reduce is to be proposed by Google in 2004
Big data multiple programming framework, be divided into two steps of Map (mapping) and Reduce (abbreviation), hence obtain one's name, it hides parallel
The details such as change, fault-tolerant, data distribution, load balancing, can build on common PC, programmer can easily complete big data
Multiple programming.ETL is English Extract-Transform-Load abbreviation, for describing data from source terminal by extracting
(extract), conversion (transform), the process of loading (load) to destination.ETL is build data warehouse important one
Ring, user extracts required data from data source, by data cleansing, finally according to the data warehouse mould pre-defined
Type, is loaded data into data warehouse.
Further, the real time data includes recognition of face, positioning, data acquisition module using message queue Kafka and
Stream calculation framework storm handles real time data.Kafka is that a kind of distributed post of high-throughput subscribes to message system, and it can
The everything flow data in website to handle consumer's scale, this action (row of web page browsing, search and other users
It is dynamic) be many social functions on modern network a key factor, these data are often as the requirement of handling capacity
And solved by handling daily record and log aggregation, for the daily record data as Hadoop and off-line analysis system, but
The limitation handled when realistic again, this is a feasible solution.Kafka purpose is the loaded in parallel by Hadoop
Mechanism unifies Message Processing on line and offline, also for providing real-time consumption by cluster.Storm is individual real-time
, it is distributed and possess high fault-tolerant computing system, with Hadoop, the same Storm can also handle large batch of data, so
And Storm can also allow on the premise of high reliability is ensured and handle the more real-time of progress.Storm be equally also equipped with it is fault-tolerant and
Estimated performance is distributed, so that Storm, which can be expanded to, carries out large batch of data processing on different machines.
A kind of petty load system based on the intelligent air control of big data as described above, the random forests algorithm is included extremely
A few decision tree, the feature of each one group of user of decision tree stochastical sampling, each node judge some user characteristics and
The degree of association of fraud simultaneously cheats result decision-making to being made to each user.
A kind of petty load system based on the intelligent air control of big data as described above, the logistic regression algorithm passes through rear
The user's history data of platform management server accumulation draw user's loan repayment capacity probability and refund wish probability, the loan repayment capacity
Probability show that the refund wish probability passes through the overdue refund of user, promise breaking violation of law by the income Assets of user
Draw.
The present invention also provides a kind of petty load method based on the intelligent air control of big data, and the petty load method is used
Above-mentioned petty load system, the petty load method comprises the following steps：
The user that provides a loan proposes loan transaction application, and the user profile to the user that provides a loan is acquired；
Generate order and carry out anti-fraud decision-making using the anti-fraud model based on random forests algorithm；
For cheating the user that model is verified by counter, score assessment is carried out to user credit using logistic regression algorithm；
Score is assessed according to user credit and carries out linear fit, the final loan limit of user is drawn.
The invention has the advantages that：Based on mass data, with reference to face recognition technology, various dimensions identification use is realized
The authenticity of family information, finds and evades potential risk of fraud, and employing the algorithm of random forest realizes anti-fraud decision-making,
The method for employing logistic regression draws refund wish and loan repayment capacity scoring.Large-scale data can realize rapid modeling, application
Generalized linear model and deep learning, find out and complex nonlinear relation are implied in data, according to practical application scene, pass through machine
The multiple models of technique drill such as study, various dimensions describe user's portrait.Overall examination ＆ verification speed of the invention is fast, and data examination ＆ verification is comprehensive,
Risk anticipation accuracy is high, effectively reduces petty load risk.
Brief description of the drawings
Fig. 1 is the petty load system architecture schematic diagram based on the intelligent air control of big data；
Fig. 2 is the petty load method flow diagram based on the intelligent air control of big data；
Fig. 3 is the petty load system handling process based on the intelligent air control of big data.
Embodiment
Following examples are used to illustrate the present invention, but are not limited to the scope of the present invention.
As shown in figure 1, a kind of petty load system based on the intelligent air control of big data, petty load system is managed including backstage
Server is managed, back-stage management server includes front end access system 1, big data air control system 2, loan transaction system 3；
Front end access system 1 includes background management system AM access module 101, official website AM access module 102, terminal AM access module
103rd, third party's push piece AM access module 104；Background management system AM access module 101 is used to realize the business to petty load system
Management；Official website AM access module 102 is used to realize that the data between petty load system and official website are docked；Terminal AM access module
103 are used to realize that the data between petty load system and intelligent terminal are docked；Third party's push piece AM access module 104 is used to realize
Data between petty load system recommends platform with third party are docked；
Big data air control system 2 includes data acquisition module 201, air control engine modules 202, model training module 203, letter
With evaluation module 204；Data acquisition module 201, which is used to collecting user data information, goes forward side by side line number Data preprocess；Air control engine mould
Block 202 carries out anti-fraud decision-making using the anti-fraud model based on random forests algorithm；Model training module 203 is used for by extremely
The operation of few 2 sample sets carries out model optimization to anti-fraud model；Credit evaluation module 204 using logistic regression algorithm to
Family credit carries out score assessment；
Loan transaction system 3 includes air control management module 301；Air control management module 301 passes through 2 pairs of big data air control system
Petty load system carries out air control management.
In one embodiment of petty load system based on the intelligent air control of big data, front end access system 1 also includes micro-
Believe AM access module 105, wechat AM access module 105 is used to realize that petty load system is docked with the data of wechat platform, Yong Hutong
Cross the data access that wechat client realizes petty load system.
The user profile that data acquisition module 201 is collected includes routine data, real time data, and data acquisition module 201 leads to
Cross Spark universal parallel Computational frames and realize Distributed Calculation.Spark is aim at large-scale data processing and design quick logical
Computing engines, the framework of Stream data is handled by being built on Spark, Stream data are divided into small timeslice
It is disconnected, this fraction data is handled in the way of similar batch batch processings.
Further, routine data includes identity information, the report of history reference, personal education, occupancy information, data acquisition module
Block 201 realizes routine data ETL processing using Map-reduce principles.Map-Reduce is to be proposed by Google in 2004
Big data multiple programming framework, is divided into two steps of Map (mapping) and Reduce (abbreviation), hence obtains one's name, its hiding parallelization,
The details such as fault-tolerant, data distribution, load balancing, can build on common PC, and programmer can easily complete big data simultaneously
Row programming.ETL is English Extract-Transform-Load abbreviation, for describing data from source terminal by extracting
(extract), conversion (transform), the process of loading (load) to destination.ETL is build data warehouse important one
Ring, user extracts required data from data source, by data cleansing, finally according to the data warehouse mould pre-defined
Type, is loaded data into data warehouse.
Further, real time data includes recognition of face, positioning, and data acquisition module 201 uses message queue Kafka and stream
Computational frame storm handles real time data.Kafka is that a kind of distributed post of high-throughput subscribes to message system, and it can be with
Handle the everything flow data in the website of consumer's scale, this action (row of web page browsing, search and other users
It is dynamic) be many social functions on modern network a key factor, these data are often as the requirement of handling capacity
And solved by handling daily record and log aggregation, for the daily record data as Hadoop and off-line analysis system, but
The limitation handled when realistic again, this is a feasible solution.Kafka purpose is the loaded in parallel by Hadoop
Mechanism unifies Message Processing on line and offline, also for providing real-time consumption by cluster.Storm is individual real-time
, it is distributed and possess high fault-tolerant computing system, with Hadoop, the same Storm can also handle large batch of data, so
And Storm can also allow on the premise of high reliability is ensured and handle the more real-time of progress.Storm be equally also equipped with it is fault-tolerant and
Estimated performance is distributed, so that Storm, which can be expanded to, carries out large batch of data processing on different machines.
Random forests algorithm includes at least one decision tree, the feature of each one group of user of decision tree stochastical sampling, every
Individual node judges the degree of association of some user characteristics and fraud and cheats result decision-making to being made to each user.Logistic regression
The user's history data that algorithm is accumulated by back-stage management server draw user's loan repayment capacity probability and refund wish probability, also
Money ability probability show that refund wish probability passes through the overdue refund of user, illegal feelings of breaking a contract by the income Assets of user
Condition is drawn.
As shown in Fig. 2 the present invention also provides a kind of petty load method based on the intelligent air control of big data, petty load side
Method uses above-mentioned petty load system, and petty load method comprises the following steps：
S1：The user that provides a loan proposes loan transaction application, and the user profile to the user that provides a loan is acquired；
S2：Generate order and carry out anti-fraud decision-making using the anti-fraud model based on random forests algorithm；
S3：For cheating the user that model is verified by counter, score is carried out to user credit using logistic regression algorithm and commented
Estimate；
S4：Score is assessed according to user credit and carries out linear fit, the final loan limit of user is drawn.
As shown in figure 3, combining complete process flow of the present invention for the petty load of the consumer goods：
Consume scene：User browses virtual cpi scene and carries out personal consumption；
Traveller obtains：Traveller's acquisition is carried out by client, third party's push piece；
Data acquisition is assessed：User data collection is carried out using the present invention to assess；
Loan application：Typing is carried out to user's loan order；
Examination ＆ approval：Examined using the present invention；
Signing：Generation contract, is contracted；
Make loans：Payment instruction is sent, is transferred items automatically；
Tracked after loan：Periodically tracking, carries out refund prompting；
Refund：Refunded by cell-phone customer terminal；
Overdue collection：Internal collection, the outer collection of committee or judicial recovery are carried out to overdue refund user.
The present invention, with reference to face recognition technology, realizes the true of various dimensions recognition user information based on mass data
Property, find and evade potential risk of fraud, employing the algorithm of random forest realizes anti-fraud decision-making, employ logic and return
The method returned draws refund wish and loan repayment capacity scoring.Large-scale data can realize rapid modeling, using generalized linear model
And deep learning, find out and complex nonlinear relation is implied in data, according to practical application scene, instructed by technologies such as machine learning
Practice multiple models, various dimensions describe user's portrait.Overall examination ＆ verification speed of the invention is fast, and data examination ＆ verification is comprehensive, and risk anticipation is accurate
Property it is high, effectively reduce petty load risk.
Although above with general explanation and specific embodiment, the present invention is described in detail, at this
On the basis of invention, it can be made some modifications or improvements, this will be apparent to those skilled in the art.Therefore,
These modifications or improvements, belong to the scope of protection of present invention without departing from theon the basis of the spirit of the present invention.
Claims (8)
1. a kind of petty load system based on the intelligent air control of big data, the petty load system includes back-stage management service
Device, it is characterised in that：The back-stage management server includes front end access system, big data air control system, loan transaction system；
The front end access system includes background management system AM access module, official website AM access module, terminal AM access module, third party
Push piece AM access module；The background management system AM access module is used to realize the service management to the petty load system；Institute
Stating official website AM access module is used to realize that the data between the petty load system and official website are docked；The terminal accesses mould
Block is used to realize that the data between the petty load system and intelligent terminal are docked；Third party's push piece AM access module is used for
Realize that the data between the petty load system and third party's recommendation platform are docked；
The big data air control system includes data acquisition module, air control engine modules, model training module, credit evaluation mould
Block；The data acquisition module, which is used to collecting user data information, goes forward side by side line number Data preprocess；The air control engine modules are utilized
Anti- fraud model based on random forests algorithm carries out anti-fraud decision-making；The model training module is used to pass through at least two sample
The operation of this collection carries out model optimization to anti-fraud model；The credit evaluation module is using logistic regression algorithm to user credit
Carry out score assessment；
The loan transaction system includes air control management module；The air control management module is by big data air control system to described
Petty load system carries out air control management.
2. a kind of petty load system based on the intelligent air control of big data according to claim 1, it is characterised in that：It is described
Front end access system also includes wechat AM access module, and the wechat AM access module is used to realize the petty load system and wechat
The data docking of platform, user realizes the data access of petty load system by wechat client.
3. a kind of petty load system based on the intelligent air control of big data according to claim 1, it is characterised in that：It is described
The user profile that data acquisition module is collected includes routine data, real time data, and data acquisition module passes through Spark universal parallels
Computational frame realizes Distributed Calculation.
4. a kind of petty load system based on the intelligent air control of big data according to claim 3, it is characterised in that：It is described
Routine data includes identity information, the report of history reference, personal education, occupancy information, and data acquisition module utilizes Map-
Reduce principles realize routine data ETL processing.
5. a kind of petty load system based on the intelligent air control of big data according to claim 3, it is characterised in that：It is described
Real time data includes recognition of face, positioning, and data acquisition module uses message queue Kafka and stream calculation framework storm processing
Real time data.
6. a kind of petty load system based on the intelligent air control of big data according to claim 1, it is characterised in that：It is described
Random forests algorithm includes at least one decision tree, and the feature of each one group of user of decision tree stochastical sampling is sentenced in each node
Some user characteristics break with the degree of association cheated and to making fraud result decision-making to each user.
7. a kind of petty load system based on the intelligent air control of big data according to claim 1, it is characterised in that：It is described
The user's history data that logistic regression algorithm is accumulated by back-stage management server draw user's loan repayment capacity probability and refunded and anticipate
It is willing to probability, the loan repayment capacity probability show that the refund wish probability is exceeded by user by the income Assets of user
Phase is refunded, promise breaking violation of law is drawn.
8. a kind of petty load method based on the intelligent air control of big data, the petty load method uses such as claim 1 to 7
Petty load system described in any one, it is characterised in that：The petty load method comprises the following steps：
The user that provides a loan proposes loan transaction application, and the user profile to the user that provides a loan is acquired；
Generate order and carry out anti-fraud decision-making using the anti-fraud model based on random forests algorithm；
For cheating the user that model is verified by counter, score assessment is carried out to user credit using logistic regression algorithm；
Score is assessed according to user credit and carries out linear fit, the final loan limit of user is drawn.
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