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CN-121998587-A - Service auditing method, device, equipment, medium and program product based on supply chain

CN121998587ACN 121998587 ACN121998587 ACN 121998587ACN-121998587-A

Abstract

The application provides a business auditing method, a device, equipment, a medium and a program product based on a supply chain, which can be applied to the field of artificial intelligence and the field of financial science and technology and relate to the application of a large model in a business auditing scene. The method comprises the steps of responding to an application subject to submit a service application, obtaining application data corresponding to the service application, constructing a federal learning framework according to the participation subject and the application subject, and collecting multi-source data based on the federal learning framework, wherein a supply chain exists between the application subject and the participation subject, performing initial examination on the application data by adopting a multi-agent cooperative strategy based on the multi-source data to obtain an initial examination result, rechecking the application data by a risk conduction simulation engine and an abnormality detection engine based on the multi-source data under the condition that the initial examination result is passed to obtain a rechecking result, and generating the auditing result based on the initial examination result or the rechecking result and sending the auditing result to the application subject.

Inventors

  • WANG XIAOYAN

Assignees

  • 中国工商银行股份有限公司

Dates

Publication Date
20260508
Application Date
20260123

Claims (11)

  1. 1. A supply chain based business auditing method, the method comprising: responding to an application main body to submit a service application, and acquiring application data corresponding to the service application; Constructing a federal learning framework according to a participating subject and the application subject, and acquiring multi-source data based on the federal learning framework, wherein a supply chain exists between the application subject and the participating subject; Based on the multi-source data, adopting a multi-agent cooperative strategy to conduct initial review on the application data to obtain initial review results; Based on the multi-source data, checking the application data through a risk conduction simulation engine and an abnormality detection engine to obtain a checking result when the initial checking result is passed, and And generating an audit result based on the initial audit result or the rechecking result, and sending the audit result to the application main body.
  2. 2. The method of claim 1, wherein the multi-agent collaboration policy comprises: transmitting task audit instructions between target entities through message queues based on a distributed entity architecture, wherein the target entities include one or more of document parsing entities, stream aware entities, product assessment entities, pricing engine entities, and decision coordination entities, and And synchronizing the initial review processing state of the target intelligent agent by using the central cluster.
  3. 3. The method according to claim 2, wherein the performing initial review on the application data using a multi-agent collaboration policy based on the multi-source data to obtain initial review results includes: analyzing the application data by the bill analysis agent, and carrying out information verification on the multisource data and the analyzed application data to obtain an information verification result; Based on the multi-source data, extracting logistics information of the application data through the logistics perception agent, and auditing the logistics information to obtain a logistics auditing result; According to the multi-source data, carrying out product risk assessment on the application data through the product assessment agent to obtain a product assessment result; calculating a pricing reference result by invoking the multi-source data by the pricing engine agent based on pricing information of the application data, and And analyzing a multi-dimensional auditing result by the decision coordination agent to generate the initial auditing result, wherein the multi-dimensional auditing result comprises one or more of the information checking result, the logistics auditing result, the product evaluation result and the pricing reference result.
  4. 4. The method of claim 1, wherein the risk conduction simulation engine comprises: constructing a dynamic association map of a supply chain by taking the participation subject and the application subject as map nodes and taking a business association relationship as map edges, and And simulating a risk propagation path based on the supply chain dynamic association map and the multi-source data by a risk assessment agent, and assessing the special business risk of the application data according to a risk propagation result.
  5. 5. The method of claim 4, wherein the anomaly detection engine comprises: Scanning the supply chain dynamic association graph to identify abnormal association subgraphs, and And detecting the abnormal associated subgraph through a pre-trained decision tree model based on the multi-source data to obtain an abnormal risk result.
  6. 6. The method of claim 1, wherein said building a federal learning framework from participating subjects and said application subjects comprises: Constructing a federation node based on the participating principals and the application principal; setting a security rule of transmission parameters between the federal node and a central coordination node according to a data encryption protocol, and And accessing the federation node into a corresponding node database based on a preset data interface to construct the federation learning framework.
  7. 7. The method of claim 6, wherein the acquiring multi-source data based on the federal learning framework comprises: Extracting service data from the federation node based on a node database accessed by the federation node, and standardizing the service data; In the federal node, homomorphic encryption is carried out on the standardized service data to obtain encryption characteristic data, and the encryption characteristic data is uploaded to the central coordination node, and And aggregating the encrypted characteristic data through the central coordination node to obtain the multi-source data.
  8. 8. A supply chain based business audit device, the device comprising: the service application module is used for responding to an application main body to submit a service application and acquiring application data corresponding to the service application; The data acquisition module is used for constructing a federal learning framework according to the participation subject and the application subject and acquiring multi-source data based on the federal learning framework, wherein a supply chain exists between the application subject and the participation subject; The primary review processing module is used for carrying out primary review processing on the application data by adopting a multi-agent cooperation strategy based on the multi-source data to obtain a primary review result; a review processing module for, based on the multi-source data, reviewing the application data by a risk conduction simulation engine and an abnormality detection engine to obtain a review result if the initial review result is passed, and And the result feedback module is used for generating an auditing result based on the initial auditing result or the rechecking result and sending the auditing result to the application main body.
  9. 9. An electronic device, comprising: One or more processors; a memory for storing one or more computer programs, Characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1-7.
  10. 10. A computer-readable storage medium, on which a computer program or instructions is stored, which, when executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
  11. 11. A computer program product comprising a computer program or instructions which, when executed by a processor, implement the steps of the method according to any one of claims 1 to 7.

Description

Service auditing method, device, equipment, medium and program product based on supply chain Technical Field The application relates to the field of artificial intelligence and financial science and technology, relates to application of a large model in a business auditing scene, and more particularly relates to a business auditing method, device, equipment, medium and program product based on a supply chain. Background Under the background of the acceleration of industrial digital transformation, supply chain finance is used as a key path for breaking financing problems of middle and small enterprises, participation subjects are increasingly diversified, transaction chains are continuously extended, but the technical short plates in the traditional mode are increasingly prominent. However, the core problems of supply chain management are that the information is asymmetric and deep, the informatization level of small and medium enterprises is low, the information disclosure will is weak, the real operation and transaction conditions of the small and medium enterprises are difficult to be comprehensively mastered by financial institutions, the disguised abnormal behaviors such as false trade and repeated mortgages are strong, and the air control difficulty is directly increased. In the business auditing service of the existing bank supply chain, the data acquisition and standardization difficulty of small and medium enterprises is high, the wind control is difficult due to the asymmetric information, the auditing flow efficiency is low, the data island problem is prominent, the existing application of multi-focus single link optimization auditing lacks the full flow collaborative capability. Disclosure of Invention In view of the foregoing, the present application provides a supply chain-based business auditing method, apparatus, device, medium and program product that improve the degree of audit intelligence. According to a first aspect of the application, a business auditing method based on a supply chain is provided, and the business auditing method comprises the steps of responding to an application main body to submit a business application, obtaining application data corresponding to the business application, building a federal learning framework according to a participation main body and the application main body, and collecting multi-source data based on the federal learning framework, wherein the supply chain exists between the application main body and the participation main body, conducting initial auditing processing on the application data by adopting a multi-agent cooperative strategy based on the multi-source data, obtaining initial auditing results, and rechecking the application data by a risk conduction simulation engine and an abnormality detection engine based on the multi-source data to obtain rechecking results when the initial auditing results are passed, and generating auditing results based on the initial auditing results or the rechecking results and sending the auditing results to the application main body. According to the embodiment of the application, the multi-agent cooperative strategy comprises the steps of transmitting task auditing instructions among target agents through a message queue based on a distributed agent architecture, wherein the target agents comprise one or more of a bill analysis agent, a material flow perception agent, a product evaluation agent, a pricing engine agent and a decision coordination agent, and synchronizing initial auditing processing states of the target agents by using a central cluster. According to the embodiment of the application, the application data is subjected to initial review processing by adopting a multi-agent cooperative strategy based on the multi-source data to obtain initial review results, the initial review results comprise analyzing the application data by the bill analyzing agent, carrying out information verification on the multi-source data and the analyzed application data to obtain information verification results, extracting logistics information of the application data by the logistics sensing agent based on the multi-source data, and auditing the logistics information to obtain logistics auditing results, carrying out product risk assessment on the application data by the product assessing agent according to the multi-source data to obtain product assessment results, calling the multi-source data by the pricing engine agent according to pricing information of the application data, calculating pricing reference results, and analyzing multi-dimensional auditing results by the decision coordinating agent to generate the initial review results, wherein the multi-dimensional auditing results comprise one or more of the information verification results, the logistics auditing results, the product assessment results and the pricing reference results. According to the embodiment of the application, the risk conduction simul