CN109544184B - Transaction guarantee data monitoring method based on Internet of things, terminal and storage medium - Google Patents
Transaction guarantee data monitoring method based on Internet of things, terminal and storage medium Download PDFInfo
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Abstract
The invention discloses a transaction guarantee data monitoring method based on the Internet of things, which comprises the following steps: determining an effect data type, a daily effect index and a daily behavior parameter type corresponding to a transaction item for guaranteeing the effect sold by a transaction guarantee platform; establishing a pairing relationship between the transaction item and the monitoring device; acquiring daily behavior parameter data of a user during using a transaction item; comparing the daily actual effect data with the daily effect indexes; and when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, and judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform according to the comparison result and a guarantee contract corresponding to the transaction item. The invention also discloses a terminal and a readable storage medium. The technical scheme of the invention aims to provide various use data of a user in the use period of a transaction item for a transaction platform.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a transaction security data monitoring method based on the Internet of things, a terminal and a computer-readable storage medium applying the transaction security data monitoring method based on the Internet of things.
Background
With the rapid development and popularization of the internet, electronic commerce (e-commerce) is rapidly developed in the world, e-commerce is introduced to well-known large enterprises and medium and small merchants, and the e-commerce mode is more and more diversified. The e-commerce mode is generally used for providing commodity trading service, and a buyer and a seller are merchants and users, however, most of the existing e-commerce is in the form of a transaction platform, which relates to physical transaction and ensures that the transaction service is not good enough, that is, the existing transaction platform has the problems of single transaction item type and lack of rights and interests guarantee for the buyer and the seller, and particularly, after a user purchases a transaction item with a commitment effect (for example, a slimming product or a learning course), the transaction platform cannot acquire various use data of the user in the use period of the transaction item, so that consumption guarantee is difficult to provide for the user, and when the use of the transaction item does not reach the commitment effect, the user cannot request guarantee from the transaction platform.
Disclosure of Invention
The invention mainly aims to provide a transaction guarantee data monitoring method based on the Internet of things, and aims to solve the problem that a transaction platform cannot acquire various use data of a user in a use period of a transaction item, so that consumption guarantee is difficult to provide for the user.
In order to achieve the purpose, the transaction guarantee data monitoring method based on the Internet of things comprises the following steps:
determining an effect data type, a daily effect index and one or more daily behavior parameter types corresponding to a transaction item for guaranteeing the effect sold by a transaction guarantee platform;
establishing a pairing relationship between the transaction item and monitoring equipment based on the Internet of things and having a function of detecting daily actual effect data or daily behavior parameter data;
acquiring daily behavior parameter data of a user during the use of the transaction item through the monitoring equipment;
comparing the daily actual effect data with the daily effect index;
and when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, and judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform according to the comparison result and a guarantee contract corresponding to the transaction item.
Preferably, the daily behavior parameter data includes daily behavior parameter data corresponding to the one or more daily behavior parameter types in the guarantee period of the transaction item;
when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, and judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform according to a comparison result and a guarantee contract corresponding to the transaction item, wherein the step comprises the following steps of:
when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range according to the daily behavior parameter data, and judging whether the daily behavior parameter data conforms to the daily behavior parameter data range;
when the daily behavior parameter data do not conform to the daily behavior parameter data range, judging whether a merchant exempting behavior exists in the period of using the transaction item by the user according to a guarantee contract corresponding to the transaction item;
and when the user does not have merchant exemption behavior during the use of the transaction item, judging that the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform.
Preferably, when the daily actual effect data does not reach the daily effect index, the step of comparing the daily behavior parameter data with a preset daily behavior parameter data range according to the daily behavior parameter data to judge whether the daily behavior parameter data conforms to the daily behavior parameter data range includes:
when the daily actual effect data does not reach the daily effect index, generating a planned daily behavior parameter data curve according to the preset daily behavior parameter data range;
generating an actual daily behavior parameter data curve according to the daily behavior parameter data;
calculating the matching rate of the actual daily behavior parameter data curve and the planned daily behavior parameter data curve;
and judging whether the daily behavior parameter data conforms to the daily behavior parameter data range or not according to whether the matching rate reaches a set value or not.
Preferably, after the step of determining whether the user has a merchant exempting behavior during using the transaction item according to a security contract corresponding to the transaction item when the daily behavior parameter data does not conform to the daily behavior parameter data range, the method further includes:
when a merchant exempt behavior exists during the use of the transaction item by the user, acquiring the daily behavior parameter data which do not conform to the daily behavior parameter data range;
and when detecting that the user sends a transaction guarantee request to the transaction guarantee platform, sending the daily behavior parameter data which do not conform to the daily behavior parameter data range to the user and sending information for rejecting the transaction guarantee request to the user.
Preferably, after the step of determining that the user is eligible to issue a transaction assurance request to the transaction assurance platform when the user does not have merchant exemption during the use of the transaction item, the method further comprises:
and when detecting that the user sends a transaction guarantee request to the transaction guarantee platform, responding to the transaction guarantee request, and performing transaction guarantee operation on a user account according to the transaction guarantee request and a guarantee contract corresponding to the transaction item.
Preferably, a two-dimensional code is arranged on the transaction item, and a code scanning window is arranged on the monitoring equipment; the step of establishing a pairing relationship between the transaction item and monitoring equipment based on the internet of things and having a function of detecting daily actual effect data or daily behavior parameter data includes:
acquiring two-dimensional code information acquired by scanning the two-dimensional code by adopting the code scanning window;
identifying a transaction item number in the two-dimension code information;
acquiring a monitoring equipment number based on the Internet of things and having a function of detecting daily actual effect data or daily behavior parameter data;
and associating the transaction item number with the monitoring equipment number to realize the pairing of the transaction item and the monitoring equipment.
Preferably, the daily effect index includes effect index data within a guarantee period promised in a guarantee contract of the transaction item and at the end of the guarantee period, and the daily actual effect data includes daily actual effect data corresponding to the type of the effect data within the guarantee period of the transaction item and at the end of the guarantee period; the step of comparing the daily actual effect data with the daily effect index comprises:
comparing the daily actual effect data when the guarantee period of the transaction item is finished with the effect index data when the guarantee period promised in the guarantee contract of the transaction item is finished;
after the step of comparing the daily actual effect data at the end of the guarantee period of the transaction item with the effect index data at the end of the guarantee period promised in the guarantee contract of the transaction item, the method further comprises the following steps:
when detecting that a user sends a transaction guarantee request to the transaction guarantee platform, acquiring a comparison result of daily actual effect data when a guarantee period of a transaction item is ended and effect index data when the guarantee period promised in a guarantee contract of the transaction item is ended;
and judging whether to respond to the transaction guarantee request according to the comparison result of the daily actual effect data when the guarantee period of the transaction item is ended and the effect index data when the guarantee period promised in the guarantee contract of the transaction item is ended.
Preferably, the monitoring device is any one of an intelligent terminal device, a wearable intelligent device, an intelligent home device and an intelligent learning machine.
In addition, to achieve the above object, the present invention also provides a terminal, including: a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program when executed by the processor performs the steps of the internet of things based transaction security data monitoring method of any one of the above.
In addition, to achieve the above object, the present invention further provides a computer readable storage medium, having a computer program stored thereon, where the computer program is executed by a processor to implement the steps of the transaction security data monitoring method based on internet of things according to any one of the above aspects.
In the technical scheme of the invention, the transaction guarantee data monitoring method based on the Internet of things firstly determines the effect data type, the daily effect index and one or more daily behavior parameter types corresponding to the transaction items sold by the transaction guarantee platform, thereby determining the daily effect data to be monitored by the monitoring equipment and determining the daily behavior parameters to be acquired; establishing a pairing relation between the transaction item and monitoring equipment based on the internet of things and having a function of detecting daily actual effect data or daily behavior parameter data, so that each item of daily effect data of the transaction item can be monitored only through the monitoring equipment, and the validity of the detection data is ensured; acquiring daily behavior parameter data of a user during the use of the transaction item through the monitoring equipment; comparing the daily actual effect data with the daily effect index to judge whether the transaction item reaches the effect index in the daily use process; and when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, so as to determine whether the daily behavior of the user causes the effect index of the transaction item to be not reached. And judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform or not according to the comparison result and a guarantee contract corresponding to the transaction item, so that the manual judgment and arbitration links can be reduced, and the shopping guarantee of the user is improved. According to the technical scheme, after the user purchases a transaction item (such as a slimming product or a learning course) with a guarantee effect, various use data of the user in the use period of the transaction item are provided for the transaction platform, so that consumption guarantee can be provided for the user according to the various use data, and when the user uses the transaction item and does not reach the effect index, whether the user meets the condition of requesting guarantee from the transaction platform or not can be judged according to the comparison result of the various data and preset data.
Drawings
FIG. 1 is a schematic flow chart of a first embodiment of a transaction security data monitoring method based on the Internet of things according to the present invention;
FIG. 2 is a schematic flow chart of a transaction security data monitoring method based on the Internet of things according to a second embodiment of the invention;
FIG. 3 is a schematic flow chart of a third embodiment of the transaction security data monitoring method based on the Internet of things according to the present invention;
fig. 4 is a schematic block diagram of a terminal according to an embodiment of the present invention.
The objects, features and advantages of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
In the following description, suffixes such as "module", "component", or "unit" used to denote elements are used only for facilitating the explanation of the present invention, and have no specific meaning in itself. Thus, "module", "component" or "unit" may be used mixedly.
Referring to fig. 1, to achieve the above object, a first embodiment of the present invention provides a transaction security data monitoring method based on the internet of things, including the following steps:
step S10, determining an effect data type, a daily effect index and one or more daily behavior parameter types corresponding to the transaction items of the guarantee effect sold by the transaction guarantee platform;
specifically, the type of the transaction item is not limited, and may be, for example, a beauty-type transaction item, a health-care type transaction item, or an education-type transaction item. The effect data type is related to a type of the transaction item: the effect data type corresponding to the slimming product is weight, the daily actual effect data is daily actual weight data, the daily effect index is a weight loss index, and the daily behavior parameter type is a weight loss related parameter, such as diet amount (or intake calorie) and exercise amount (or consumption calorie); the effect data type corresponding to the blood pressure lowering product is blood pressure, the daily actual effect data is daily actual blood pressure, the daily effect index is a normal blood pressure interval, and the daily behavior parameter type is parameters related to the blood pressure, such as diet data and exercise data; the type of the effect data corresponding to the educational product is a score, the daily actual effect data is a daily actual test score, the daily effect index is a promotion score index, and the type of the daily behavior parameter is a parameter related to learning and entertainment, such as learning time, entertainment time or the number of exercises.
Step S20, establishing a pairing relation between the transaction item and monitoring equipment based on the Internet of things and having the function of detecting daily actual effect data or daily behavior parameter data;
furthermore, the monitoring device is any one of intelligent terminal equipment, wearable intelligent equipment, intelligent home equipment and an intelligent learning machine. The monitoring device is used for monitoring daily actual effect data, for example, is used for weighing daily actual weight data for the slimming product, measuring daily blood pressure for the pressure reduction product and providing actual learning time and timing for the education product.
Step S30, acquiring daily behavior parameter data of the user during the period of using the transaction item through the monitoring equipment;
step S40, comparing the daily actual effect data with the daily effect index;
and step S50, when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, and judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform according to the comparison result and a guarantee contract corresponding to the transaction item.
In the technical scheme of the invention, the transaction guarantee data monitoring method based on the Internet of things firstly determines the effect data type, the daily effect index and one or more daily behavior parameter types corresponding to the transaction items sold by the transaction guarantee platform, thereby determining the daily effect data to be monitored by the monitoring equipment and determining the daily behavior parameters to be acquired; establishing a pairing relation between the transaction item and monitoring equipment based on the internet of things and having a function of detecting daily actual effect data or daily behavior parameter data, so that each item of daily effect data of the transaction item can be monitored only through the monitoring equipment, and the validity of the detection data is ensured; acquiring daily behavior parameter data of a user during the use of the transaction item through the monitoring equipment; comparing the daily actual effect data with the daily effect index to judge whether the transaction item reaches the effect index in the daily use process; and when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, so as to determine whether the daily behavior of the user causes the effect index of the transaction item to be not reached. And judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform or not according to the comparison result and a guarantee contract corresponding to the transaction item, so that the manual judgment and arbitration links can be reduced, and the shopping guarantee of the user is improved. According to the technical scheme, after the user purchases a transaction item (such as a slimming product or a learning course) with a guarantee effect, various use data of the user in the use period of the transaction item are provided for the transaction platform, so that consumption guarantee can be provided for the user according to the various use data, and when the user uses the transaction item and does not reach the effect index, whether the user meets the condition of requesting guarantee from the transaction platform or not can be judged according to the comparison result of the various data and preset data.
In the technical scheme of the invention, whether the user accords with the condition of sending the transaction guarantee request to the transaction guarantee platform needs to consider at least two factors: firstly, whether the user uses the transaction item to reach the daily effect index, secondly, when the daily effect index is not reached, whether the user has improper self behaviors is judged according to the daily behavior parameter data of the user, for example, the user uses a slimming product to eat excessively, and the number of exercises practiced by using an education product does not reach the set number.
Referring to fig. 2, in a first embodiment of the transaction security data monitoring method based on the internet of things of the present invention and in a second embodiment of the transaction security data monitoring method based on the internet of things of the present invention, the daily behavior parameter data includes daily behavior parameter data corresponding to the one or more daily behavior parameter types in the security period of the transaction item; the step S50 includes:
step S51, when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range according to the daily behavior parameter data, and judging whether the daily behavior parameter data conforms to the daily behavior parameter data range;
step S52, when the daily behavior parameter data is not in accordance with the daily behavior parameter data range, judging whether a merchant exempting behavior exists during the period of using the transaction item by the user according to a guarantee contract corresponding to the transaction item;
and step S53, when the user does not have merchant exemption behavior during the transaction item using, judging that the user is in accordance with the condition of sending a transaction guarantee request to the transaction guarantee platform.
The preset daily behavior parameter data range is determined according to the transaction item, and can be a daily dietary intake calorie range and/or a daily exercise consumption calorie range by taking the transaction item as a slimming product as an example; taking the transaction item as an educational product, the preset daily behavior parameter data range can be a daily course learning time range. The preset daily behavior data can be set to one or more types according to the requirement.
And when the daily behavior parameter data does not conform to the daily behavior parameter data range, judging whether a merchant exempting behavior exists in the period of using the transaction item by the user according to a guarantee contract corresponding to the transaction item. Various exemption terms can be agreed in the guarantee contract, for example, the daily behavior parameter data of the user does not conform to the daily behavior parameter data range is taken as an exemption term, and of course, the term can also not be taken as an exemption term. When the transaction item is a slimming product, if the agreed effect is that the user does not eat diet and slim, and the guarantee contract does not agree that the daily food consumption exceeds the standard as a disclaimer, when the weight loss of the user does not reach the weight loss index, if the daily food consumption of the user obtained by the system exceeds the preset daily food consumption, the condition that the user sends a transaction guarantee request to the transaction guarantee platform can still be judged. On the contrary, when the transaction item is a slimming product, the agreed daily food consumption exceeding in the guarantee contract is used as a disclaimer, when the weight loss of the user does not reach the weight loss index, if the daily food consumption of the user obtained by the system exceeds the preset daily food consumption range, the user is judged not to be in accordance with the condition of sending a transaction guarantee request to the transaction guarantee platform.
The daily behavior parameters can be behavior parameters of every day, every two days, every fixed time or every non-fixed time in the guarantee period.
Referring to fig. 3, in a second embodiment of the transaction security data monitoring method based on the internet of things of the present invention, and in a third embodiment of the transaction security data monitoring method based on the internet of things of the present invention, the step S51 includes:
step S511, when the daily actual effect data does not reach the daily effect index, generating a planned daily behavior parameter data curve according to the preset daily behavior parameter data range;
step S512, generating an actual daily behavior parameter data curve according to the daily behavior parameter data;
step S513, calculating the matching rate of the actual daily behavior parameter data curve and the planned daily behavior parameter data curve;
step S514, judging whether the daily behavior parameter data conforms to the daily behavior parameter data range according to whether the matching rate reaches a set value.
In this embodiment, a planned daily behavior parameter data curve and an actual daily behavior parameter data curve are compared, and whether the daily behavior parameter data conforms to the daily behavior parameter data range is determined according to whether a curve matching rate reaches a set value.
Of course, the average value of the daily behavior parameter data may also be compared with the average value of the preset daily behavior parameter data range, and whether the daily behavior parameter data conforms to the daily behavior parameter data range may be determined according to whether the difference value between the two average values is within the preset range or whether the ratio of the two average values is within the preset range.
Based on the second embodiment or the third embodiment of the transaction security data monitoring method based on the internet of things of the present invention, in a fourth embodiment of the transaction security data monitoring method based on the internet of things of the present invention, after step S52, the method further includes:
step S54, when the user has merchant exemption behavior during the transaction item, acquiring the daily behavior parameter data which do not conform to the daily behavior parameter data range;
and step S55, when detecting that the user sends a transaction guarantee request to the transaction guarantee platform, sending the daily behavior parameter data which do not conform to the daily behavior parameter data range to the user and sending information for rejecting the transaction guarantee request to the user.
And when determining that the merchant exemption behavior exists during the period of using the transaction item by the user according to the fact that the daily behavior parameter data range does not conform to the daily behavior parameter data, sending the daily behavior parameter data which do not conform to the daily behavior parameter data range to the user, and sending information for rejecting the transaction guarantee request to the user, so that the provision of an exemption evidence is facilitated, the user can know the reason why the transaction guarantee platform rejects the guarantee request, and disputes between the user and the transaction guarantee platform are reduced.
Based on the second to fourth embodiments of the transaction security data monitoring method based on the internet of things of the present invention, in a fifth embodiment of the transaction security data monitoring method based on the internet of things of the present invention, after step S53, the method further includes:
and step S56, when detecting that the user sends a transaction guarantee request to the transaction guarantee platform, responding to the transaction guarantee request, and performing transaction guarantee operation on a user account according to the transaction guarantee request and a guarantee contract corresponding to the transaction item.
There are various ways to perform transaction guarantee operation on the user account according to the agreement of the guarantee contract, for example, the guarantee contract may agree with invalid refund full, double refund, and half refund, and may agree with invalid refund credit or refund coin, and correspondingly, the transaction guarantee operation on the user account may be refund full, double refund, half refund, refund credit, or refund coin.
Based on any one of the first embodiment to the fifth embodiment of the transaction security data monitoring method based on the internet of things, in the sixth embodiment of the transaction security data monitoring method based on the internet of things, the transaction item is provided with a two-dimensional code, and the monitoring device is provided with a code scanning window; the step S20 includes:
step S21, acquiring two-dimension code information acquired by scanning the two-dimension code by adopting the code scanning window;
step S22, identifying the transaction item number in the two-dimensional code information;
step S23, acquiring the number of monitoring equipment based on the Internet of things, which has the function of detecting daily actual effect data or daily behavior parameter data;
step S24, associating the transaction item number with the monitoring device number to realize the pairing of the transaction item and the monitoring device.
Specifically, the monitoring device is in communication connection with an intelligent terminal provided with a transaction guarantee platform, two-dimensional codes are arranged on transaction items sold by the transaction guarantee platform, a code scanning window is arranged on the monitoring device, the two-dimensional codes are scanned through the code scanning window of the monitoring device to obtain two-dimensional code information, the monitoring device sends the number A of the monitoring device and the number B of the transaction items in the two-dimensional code information to the transaction guarantee platform, the numbers AB of the monitoring device and the number A of the transaction items are correlated in the transaction guarantee platform, unique binding of the transaction items and the monitoring device is achieved, and therefore the other transaction item can be determined according to one of the number A of the monitoring device and the number B of the transaction items.
When the transaction guarantee platform receives daily actual effect data uploaded by monitoring equipment, the self number of the monitoring equipment uploading the data is acquired at the same time, and whether the self number of the monitoring equipment is the stored self number A of the monitoring equipment is judged; if not, the monitoring equipment with errors is considered to be used, and the uploaded data is invalid; if yes, identifying that the data uploaded by the monitoring equipment is daily actual effect data of the transaction item with the transaction item number B according to the bound number AB, and associating the daily actual effect data with the transaction item number B.
Based on any one of the first embodiment to the sixth embodiment of the transaction guarantee data monitoring method based on the internet of things, in the seventh embodiment of the transaction guarantee data monitoring method based on the internet of things, the daily effect index comprises effect index data in a guarantee period promised in a guarantee contract of the transaction item and at the end of the guarantee period, and the daily actual effect data comprises daily actual effect data corresponding to the type of the effect data in the guarantee period of the transaction item and at the end of the guarantee period; the step S40 includes:
step S41, comparing the daily actual effect data when the guarantee period of the transaction item is finished with the effect index data when the guarantee period promised in the guarantee contract of the transaction item is finished;
after the step S41, the method further includes:
step S60, when detecting that a user sends a transaction guarantee request to the transaction guarantee platform, acquiring a comparison result of daily actual effect data when a guarantee period of the transaction item is ended and effect index data when the guarantee period promised in a guarantee contract of the transaction item is ended;
and step S70, judging whether to respond to the transaction guarantee request according to the comparison result of the daily actual effect data when the guarantee period of the transaction item is finished and the effect index data when the guarantee period promised in the guarantee contract of the transaction item is finished.
Specifically, taking a guarantee period of a slimming product as two months as an example, it is assumed that effect index data at the end of the guaranteed period promised in a guarantee contract of the transaction item is 10 jin of weight loss in two months, and daily actual effect data at the end of the guaranteed period of the transaction item is weight data reduced by 5 jin when the user uses the slimming product for two months, and since the effect of reducing 5 jin by 10 jin in two months is not achieved, when the user sends a transaction guarantee request, the system responds to the transaction guarantee request.
Taking the guarantee period of the education product as an example of two months, the effect index data at the end of the guarantee period promised in the guarantee contract of the transaction item is 20 points higher than the examination score of two months, the daily actual effect data at the end of the guarantee period of the transaction item is 21 points higher than the examination score of two months when the user uses the education product, and the effect of 20 points higher than two months is achieved by 21 points higher, so that the system does not respond to the transaction guarantee request when the user sends out the transaction guarantee request.
In addition, to achieve the above object, the present invention also provides a terminal, a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program, when executed by the processor, implements the steps of the internet of things based transaction security data monitoring method as in any of the embodiments described above.
Since the technical solution of the terminal in this embodiment at least includes all technical solutions of the above transaction guarantee data monitoring method embodiment based on the internet of things, all technical effects of the above embodiments are at least achieved, and details are not repeated here.
Referring to fig. 4, in some embodiments, the terminal may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002, and a network share module 1006. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the front end acquires data through the user interface 1003. The network interface 1004 comprises a standard wired interface and may optionally comprise a standard wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the terminal configuration shown in fig. 4 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
In addition, to achieve the above object, the present invention also provides a computer readable storage medium, having a computer program stored thereon, where the computer program, when executed by a processor, implements the steps of any one of the first to eighth embodiments of the transaction security data monitoring method based on the internet of things as described above.
Since the technical solution of the computer-readable storage medium in this embodiment at least includes all technical solutions of the above transaction guarantee data monitoring method based on the internet of things, at least all technical effects of the above embodiments are achieved, and details are not repeated here.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a computer-readable storage medium (such as ROM/RAM, magnetic disk, optical disk) as described above, and includes several instructions for enabling a terminal device to enter the method according to the embodiments of the present invention.
In the description herein, references to the description of the term "an embodiment," "another embodiment," "other embodiments," or "first through Xth embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, method steps, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (9)
1. A transaction guarantee data monitoring method based on the Internet of things is characterized by comprising the following steps:
determining an effect data type, a daily effect index and one or more daily behavior parameter types corresponding to a transaction item for guaranteeing the effect sold by a transaction guarantee platform;
establishing a pairing relationship between the transaction item and monitoring equipment based on the Internet of things and having a function of detecting daily actual effect data or daily behavior parameter data, wherein the monitoring equipment is any one of intelligent terminal equipment, wearable intelligent equipment, intelligent home equipment and an intelligent learning machine, and is used for monitoring the daily actual effect data;
acquiring daily behavior parameter data of a user during the use of the transaction item through the monitoring equipment;
comparing the daily actual effect data with the daily effect index;
when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, and judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform according to the comparison result and a guarantee contract corresponding to the transaction item;
the transaction item is provided with a two-dimensional code, and the monitoring equipment is provided with a code scanning window; the step of establishing a pairing relationship between the transaction item and monitoring equipment based on the internet of things and having a function of detecting daily actual effect data or daily behavior parameter data includes:
acquiring two-dimensional code information acquired by scanning the two-dimensional code by adopting the code scanning window;
identifying a transaction item number in the two-dimension code information;
acquiring a monitoring equipment number based on the Internet of things and having a function of detecting daily actual effect data or daily behavior parameter data;
associating the transaction item number with the monitoring device number to enable pairing of the transaction item with the monitoring device;
the monitoring equipment is in communication connection with an intelligent terminal provided with a transaction guarantee platform, two-dimensional codes are arranged on transaction items sold by the transaction guarantee platform, a code scanning window is arranged on the monitoring equipment, the two-dimensional codes are scanned through the code scanning window of the monitoring equipment to acquire two-dimensional code information, the monitoring equipment sends the number A and the transaction item number B in the two-dimensional code information to the transaction guarantee platform, the two numbers AB are associated in the transaction guarantee platform, unique binding of the transaction items and the monitoring equipment is achieved, and therefore the other transaction item can be determined according to one of the number A and the transaction item number B.
2. The internet of things-based transaction support data monitoring method according to claim 1, wherein the daily behavior parameter data comprises daily behavior parameter data corresponding to the one or more daily behavior parameter types during the support period of the transaction item;
when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range, and judging whether the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform according to a comparison result and a guarantee contract corresponding to the transaction item, wherein the step comprises the following steps of:
when the daily actual effect data does not reach the daily effect index, comparing the daily behavior parameter data with a preset daily behavior parameter data range according to the daily behavior parameter data, and judging whether the daily behavior parameter data conforms to the daily behavior parameter data range;
when the daily behavior parameter data do not conform to the daily behavior parameter data range, judging whether a merchant exempting behavior exists in the period of using the transaction item by the user according to a guarantee contract corresponding to the transaction item;
and when the user does not have merchant exemption behavior during the use of the transaction item, judging that the user meets the condition of sending a transaction guarantee request to the transaction guarantee platform.
3. The internet of things-based transaction support data monitoring method according to claim 2, wherein when the daily actual effect data does not reach the daily effect index, the step of comparing the daily behavior parameter data with a preset daily behavior parameter data range according to the daily behavior parameter data to judge whether the daily behavior parameter data conforms to the daily behavior parameter data range includes:
when the daily actual effect data does not reach the daily effect index, generating a planned daily behavior parameter data curve according to the preset daily behavior parameter data range;
generating an actual daily behavior parameter data curve according to the daily behavior parameter data;
calculating the matching rate of the actual daily behavior parameter data curve and the planned daily behavior parameter data curve;
and judging whether the daily behavior parameter data conforms to the daily behavior parameter data range or not according to whether the matching rate reaches a set value or not.
4. The internet of things-based transaction assurance data monitoring method according to claim 2, wherein after the step of determining whether a merchant exempt behavior exists during the period of using the transaction item by the user according to a assurance contract corresponding to the transaction item when the daily behavior parameter data does not conform to the daily behavior parameter data range, the method further comprises:
when a merchant exempt behavior exists during the use of the transaction item by the user, acquiring the daily behavior parameter data which do not conform to the daily behavior parameter data range;
and when detecting that the user sends a transaction guarantee request to the transaction guarantee platform, sending the daily behavior parameter data which do not conform to the daily behavior parameter data range to the user and sending information for rejecting the transaction guarantee request to the user.
5. The method for monitoring transaction security data based on the internet of things of claim 2, wherein after the step of determining that the user is eligible to issue a transaction security request to the transaction security platform when no merchant exempt behavior exists during the use of the transaction item, further comprising:
and when detecting that the user sends a transaction guarantee request to the transaction guarantee platform, responding to the transaction guarantee request, and performing transaction guarantee operation on a user account according to the transaction guarantee request and a guarantee contract corresponding to the transaction item.
6. The Internet of things-based transaction assurance data monitoring method according to any one of claims 1 to 5, wherein the daily effect indicators comprise effect indicator data within a guaranteed period promised in a guarantee contract of the transaction item and at the end of the guaranteed period, and the daily actual effect data comprises daily actual effect data corresponding to the effect data types within the guaranteed period and at the end of the transaction item;
the step of comparing the daily actual effect data with the daily effect index comprises:
comparing the daily actual effect data when the guarantee period of the transaction item is finished with the effect index data when the guarantee period promised in the guarantee contract of the transaction item is finished;
after the step of comparing the daily actual effect data at the end of the guarantee period of the transaction item with the effect index data at the end of the guarantee period promised in the guarantee contract of the transaction item, the method further comprises the following steps:
when detecting that a user sends a transaction guarantee request to the transaction guarantee platform, acquiring a comparison result of daily actual effect data when a guarantee period of a transaction item is ended and effect index data when the guarantee period promised in a guarantee contract of the transaction item is ended;
and judging whether to respond to the transaction guarantee request according to the comparison result of the daily actual effect data when the guarantee period of the transaction item is ended and the effect index data when the guarantee period promised in the guarantee contract of the transaction item is ended.
7. The transaction support data monitoring method based on the Internet of things according to any one of claims 1 to 5, wherein the monitoring device is any one of an intelligent terminal device, a wearable intelligent device, an intelligent household device and an intelligent learning machine.
8. A terminal, comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor; the computer program when executed by the processor implements the steps of the internet of things based transaction assurance data monitoring method of any one of claims 1 to 7.
9. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, carries out the steps of the internet of things-based transaction security data monitoring method of any one of claims 1 to 7.
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