CN109544188A - Based on user behavior monitoring method, terminal and the readable storage medium storing program for executing for ensureing transaction - Google Patents
Based on user behavior monitoring method, terminal and the readable storage medium storing program for executing for ensureing transaction Download PDFInfo
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- CN109544188A CN109544188A CN201811431641.7A CN201811431641A CN109544188A CN 109544188 A CN109544188 A CN 109544188A CN 201811431641 A CN201811431641 A CN 201811431641A CN 109544188 A CN109544188 A CN 109544188A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/01—Customer relationship services
- G06Q30/012—Providing warranty services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
Abstract
The invention discloses a kind of based on the user behavior monitoring method for ensureing transaction, comprising: determines that user ensures the trading item type and monitoring consumption data type of the trading item of the guarantee effect of platform purchase in transaction；Target consumer data corresponding with monitoring consumption data type are obtained from customer consumption data；According to target consumer data, the daily behavior data of user are determined；When detecting user to when transaction guarantee platform sending transaction guarantee request, judge that the daily behavior of user whether there is the behavior of businessman's relief；When the behavior of businessman's relief is not present in the daily behavior of user, judges that user meets to transaction and ensure that platform issues the condition that transaction ensures request.The invention also discloses a kind of terminal and readable storage medium storing program for executing.Technical solution of the present invention is it is intended that transaction platform provides user in the consumption data of trading item ensured in the period, and determines whether user meets transaction guarantee condition according to consumption data.
Description
Technical field
The present invention relates to field of computer technology more particularly to it is a kind of based on ensure transaction user behavior monitoring method and
Using the terminal and computer readable storage medium based on the user behavior monitoring method for ensureing transaction.
Background technique
With the rapid development of internet and universal, e-commerce (electric business) has obtained quick development in the whole world, well-known
Large enterprises and middle-size and small-size trade company introduce electric business, and electric business mode also becomes more and more diversified.Electric business mode is commonly used in mentioning
For buying and selling of commodities service, both parties are businessman and user, however, existing e-commerce is mostly in the form of transaction platform,
What is involved is the guarantee of transaction in kind and transaction service is not appropriate enough, i.e., there is trading item types for existing transaction platform
The problem of single, to both parties' interest and right protection dynamics shortage, especially user buys the trading item (example for promising to undertake effect
Such as, slim product or learned lesson) after, transaction platform can not obtain every use of the user in the service life of trading item
Data, thus be difficult to user provide consumption ensure, and using trading item not up to promise to undertake effect when, user be also difficult to
Transaction platform request ensures.
Summary of the invention
The main purpose of the present invention is to provide a kind of based on the user behavior monitoring method for ensureing transaction, it is intended to solve to hand over
Easy platform can not obtain items of the user in the service life of trading item using data, to be difficult to provide consumption to user
The problem of guarantee.
To achieve the above object, the user behavior monitoring method provided by the invention based on guarantee transaction includes following step
It is rapid:
Determine user transaction ensure platform purchase guarantees effect trading item corresponding to trading item type with
Monitor consumption data type；
Customer consumption data are obtained, and acquisition is corresponding with the monitoring consumption data type from the customer consumption data
Target consumer data；
According to the target consumer data, the daily behavior data of user are determined；
When detect user to the transaction ensure platform issue transaction ensure request when, according to the daily behavior data
Judge the daily behavior of user with the presence or absence of the behavior of businessman's relief；
When the behavior of businessman's relief is not present in the daily behavior of user, it is flat to transaction guarantee to judge that the user meets
Platform issues the condition that transaction ensures request.
Preferably, described according to the target consumer data, the step of determining the daily behavior data of user, comprising:
Judge whether the target consumer data reach preset condition, whether the daily behavior to judge user is normal；
When reaching preset condition with the target consumer data, determine that the daily behavior of user is improper；
When being not up to preset condition with the target consumer data, determine that the daily behavior of user is normal.
Preferably, it is more than preset cost that the preset condition, which is the amount of money of every one kind target consumer data, or every
The number of a kind of target consumer data is more than preset times；
Described to judge whether the target consumer data reach preset condition, whether the daily behavior to judge user is normal
The step of, comprising:
The amount of money of every one kind target consumer data is obtained, and obtains the default gold of every one kind target consumer data
Volume；
Whether it is more than corresponding preset cost according to the amount of money of every one kind target consumer data, judges that user's is daily
Whether behavior is normal；
Or
The number of every one kind target consumer data is obtained, and is obtained default time of every one kind target consumer data
Number；
Whether it is more than corresponding preset times according to the number of every one kind target consumer data, judges that user's is daily
Whether behavior is normal.
Preferably, it is more than to preset that the preset condition, which is ranking of the target consumer data in all types of consumption datas,
Ranking；
Described to judge whether the target consumer data reach preset condition, whether the daily behavior to judge user is normal
The step of, comprising:
Obtain the ranking of the consumption data of each type of user；
Whether reach default ranking according to the ranking of the target consumer data, whether just to judge the daily behavior of user
Often.
Preferably, described to judge whether the target consumer data reach preset condition, to judge the daily behavior of user
Whether after normal step, further includes:
When user daily behavior not at that time, obtain the target consumer data, and obtain the preset condition；
The target consumer data and the preset condition are sent to user and the transaction and ensure platform, and to user
Ensure that platform issues user's daily behavior and improperly prompts with the transaction.
Preferably, the acquisition customer consumption data, and obtain from the customer consumption data and consumed with the monitoring
The step of data type corresponding target consumer data, comprising:
Consumption data keyword is obtained according to the monitoring consumption data type；
Obtain the customer consumption data, searched in the customer consumption data according to the consumption data keyword with
The relevant customer consumption data of the consumption data keyword；
Customer consumption data relevant to the consumption data keyword are determined as the target consumer data.
Preferably, it is described when detect user to the transaction ensure platform issue transaction ensure request when, according to described
Daily behavior data judged after the step of daily behavior of user is with the presence or absence of the behavior of businessman's relief, further includes:
When the daily behavior of user is there are when businessman's relief behavior, by the corresponding daily row of user of businessman's relief behavior
The user is sent to for data and issues the information that the refusal transaction ensures request to the user.
Preferably, described when the behavior of businessman's relief is not present in the daily behavior of user, judge that the user meets to institute
After the step of stating the condition of transaction guarantee platform sending transaction guarantee request, further includes:
It is ensured according to the transaction and guarantee contract corresponding with the trading item is requested to determine transaction guarantee plan；
Transaction, which is carried out, to user account according to the transaction guarantee plan ensures operation.
In addition, to achieve the above object, the present invention also provides a kind of terminals, comprising: memory, processor and storage
On the memory and the computer program that can run on the processor；The computer program is held by the processor
The step of user behavior monitoring method as described in any one of the above embodiments based on guarantee transaction is realized when row.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
Computer program is stored on storage medium, the computer program is realized as described in any one of the above embodiments when being executed by processor
The step of based on the user behavior monitoring method for ensureing transaction.
In the inventive solutions, it should determine first that user was handing over based on the user behavior monitoring method of transaction is ensured
Easily ensure trading item type corresponding to the trading item of the guarantee effect of platform purchase and monitoring consumption data type；It obtains
Customer consumption data, and target consumer number corresponding with the monitoring consumption data type is obtained from the customer consumption data
According to；According to the target consumer data, the daily behavior data of user are determined；Platform is ensured to the transaction when detecting user
When issuing transaction guarantee request, judge the daily behavior of user with the presence or absence of businessman's relief row according to the daily behavior data
For；When the behavior of businessman's relief is not present in the daily behavior of user, judges that the user meets to the transaction and ensure platform hair
Transaction ensures the condition of request out.Therefore, transaction ensures that platform, can be with by trading item type and monitoring consumption data type
The consumption data of user is analyzed, judges that user whether there is based on the analysis results and is disagreed with the guarantee effect of trading item
The daily behavior of back, to judge that businessman with the presence or absence of relief behavior, ensures that platform sending transaction ensures to transaction in user and asks
When asking, if the behavior of businessman's relief is not present in user behavior, transaction guarantee can be carried out to user, thus technical side of the invention
Case, which advantageously accounts for transaction platform, can not obtain items of the user in the service life of trading item using data, to be difficult to
The problem of consumption ensures is provided to user.
Detailed description of the invention
Fig. 1 is that the present invention is based on the flow diagrams for the user behavior monitoring method first embodiment for ensureing transaction；
Fig. 2 is that the present invention is based on the flow diagrams for the user behavior monitoring method second embodiment for ensureing transaction；
Fig. 3 is that the present invention is based on the flow diagrams for the user behavior monitoring method 3rd embodiment for ensureing transaction；
Fig. 4 is the modular structure schematic diagram of one embodiment of terminal of the present invention.
The object of the invention is realized, the embodiments will be further described with reference to the accompanying drawings for functional characteristics and advantage.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
In subsequent description, it is only using the suffix for indicating such as " module ", " component " or " unit " of element
Be conducive to explanation of the invention, itself there is no a specific meaning.Therefore, " module ", " component " or " unit " can mix
Ground uses.
Referring to Fig. 1, providing to achieve the above object, in the first embodiment of the present invention a kind of based on the use for ensureing transaction
Family behavior monitoring method, includes the following steps:
Step S10 determines that user ensures transaction item corresponding to the trading item of the guarantee effect of platform purchase in transaction
Mesh type and monitoring consumption data type；
Specifically, the trading item type is unlimited, for example, it may be the trading item of cosmetic-type, health care type
Trading item or the trading item for educating type.The monitoring consumption data type is related to the trading item type: weight reducing
The corresponding monitoring consumption data type of product is consumption relevant to loss of weight, for example, food and drink consumption data；Antihyperlipidemic product is corresponding
Monitoring consumption data type is consumption relevant to blood lipid, likewise, being also possible to food and drink consumption data；Education product is corresponding
Monitoring consumption data type can be to entertain relevant consumption, for example, game money supplements consumption data with money.
Step S20 obtains customer consumption data, and obtains and the monitoring consumption data from the customer consumption data
The corresponding target consumer data of type；
Specifically, the step S20, may include:
Step S21 obtains the consumption data of the user；
Step S22 judges to whether there is and the monitoring in the customer consumption data according to the customer consumption data
The corresponding consumption data of consumption data type；
Step S23, when in the customer consumption data exist consumption data corresponding with the monitoring consumption data type
When, consumption data corresponding with the monitoring consumption data type is extracted in the customer consumption data as the target consumer
Data.
The acquisition of the consumption data of user can be accomplished in several ways, for example, user is ensured in platform in transaction
Each time transaction consumption data as customer consumption data, the payment record of user can also be obtained: such as, online payment record
(Internetbank consumer record, Alipay consumer record or wechat consumer record) and bankcard consumption record (deposit card consumer record or letter
With card consumer record).
Step S30 determines the daily behavior data of user according to the target consumer data；
Step S40, when detect user to the transaction ensure platform issue transaction ensure request when, according to described daily
Behavioral data judges the daily behavior of user with the presence or absence of the behavior of businessman's relief；
Step S50 judges that the user meets to the friendship when the behavior of businessman's relief is not present in the daily behavior of user
Easily ensure that platform issues the condition that transaction ensures request.
In the inventive solutions, it should determine first that user was handing over based on the user behavior monitoring method of transaction is ensured
Easily ensure trading item type corresponding to the trading item of the guarantee effect of platform purchase and monitoring consumption data type；It obtains
Customer consumption data, and target consumer number corresponding with the monitoring consumption data type is obtained from the customer consumption data
According to；According to the target consumer data, the daily behavior data of user are determined；Platform is ensured to the transaction when detecting user
When issuing transaction guarantee request, judge the daily behavior of user with the presence or absence of businessman's relief row according to the daily behavior data
For；When the behavior of businessman's relief is not present in the daily behavior of user, judges that the user meets to the transaction and ensure platform hair
Transaction ensures the condition of request out.Therefore, transaction ensures that platform, can be with by trading item type and monitoring consumption data type
The consumption data of user is analyzed, judges that user whether there is based on the analysis results and is disagreed with the guarantee effect of trading item
The daily behavior of back, to judge that businessman with the presence or absence of relief behavior, ensures that platform sending transaction ensures to transaction in user and asks
When asking, if the behavior of businessman's relief is not present in user behavior, transaction guarantee can be carried out to user, thus technical side of the invention
Case, which advantageously accounts for transaction platform, can not obtain items of the user in the service life of trading item using data, to be difficult to
The problem of consumption ensures is provided to user.
In the inventive solutions, whether user can obtain transaction and ensure and need at least to consider both sides factor:
First, judge that user misbehaves with the presence or absence of itself from the daily behavior data of user, to judge that businessman whether there is
Relief situation, for example, the hyperphagia using slim product, is excessively entertained using education product；Second, described in user's use
Whether trading item reaches the guarantee effect for ensureing and arranging in contract.When the behavior of businessman's relief is not present in the daily behavior of user
When, judge that the user meets to the transaction and ensures that platform issues transaction and ensures therefore the condition of request is detecting user
When initiating transaction guarantee request, it is only necessary to whether reach the guarantee for ensureing and arranging in contract using the trading item according to user
Effect can determine whether that response transaction guarantee is needed to request.
Referring to Fig. 2, based on the first embodiment of the invention based on the user behavior monitoring method for ensureing transaction, this hair
In the bright second embodiment based on the user behavior monitoring method for ensureing transaction, the step S30 includes:
Step S31, judges whether the target consumer data reach preset condition, with judge user daily behavior whether
Normally；
Step S32 determines that the daily behavior of user is improper when reaching preset condition with the target consumer data；
Step S33 determines that the daily behavior of user is normal when being not up to preset condition with the target consumer data.
Data corresponding with the monitoring consumption data type are target consumer data, are by slim product of trading item
Example, target consumer data can be diet related data, the relevant target consumer data of diet may include take out consumption data,
Dining room consumption data, dessert consumption data and snacks consumption data etc..Certainly, there is diversification in the consumption type of user, and
All there is primary demand to all types of consumption.It, cannot be because of being wrapped in its consumption data for example, user has basic dining requirement
It includes diet related data and is considered as misbehaving for user, therefore, it is necessary to which a preset condition is arranged, by by target consumer number
It is compared according to preset condition, just can determine that user with the presence or absence of the improper situation of daily behavior, it is believed that the preset condition is mesh
Whether mark consumption data reaches upper limit value.
It further, can be with other than target consumer data can be set and whether reach the preset condition of upper limit value
Another reference conditions is set, which is used to judge the promotion of user ensures whether the behavior of effect is up to standard.If target
Consumption data reaches preset condition (exceeded), but promotes the consumer behavior for ensureing effect and violate the consumer behavior for ensureing effect
Match, it may be considered that the daily behavior of user is normal.For example, user uses slim product, although diet consumption is more than default item
Part, but the movement of user consumption it is also very much, can reach with the matched level of diet consumption, it may be considered that the daily row of user
It is normal.
It is of the invention based on guarantor based on the second embodiment of the invention based on the user behavior monitoring method for ensureing transaction
In the 3rd embodiment for hindering the user behavior monitoring method of transaction, the preset condition is every one kind target consumer data
The amount of money is more than preset times more than preset cost or the number of every one kind target consumer data；
Referring to Fig. 3, the step S31, comprising:
Step S311, obtains the amount of money of every one kind target consumer data, and obtains every one kind target consumer number
According to preset cost；
Whether step S312 is more than corresponding preset cost according to the amount of money of every one kind target consumer data, judgement
Whether the daily behavior of user is normal；
Alternatively, the step S31, comprising:
Step S313, obtains the number of every one kind target consumer data, and obtains every one kind target consumer number
According to preset times；
Whether step S314 is more than corresponding preset times according to the number of every one kind target consumer data, judgement
Whether the daily behavior of user is normal.
Further, transaction ensure platform obtain user all kinds of target datas after, can also according to setting the period or
When detecting that target consumer data reach sets requirement, the statistic of classification result of consumption data is sent to user.Classification system
Meter result includes the number of all kinds of target datas, single spending amount and type consumption total value, when sending statistic of classification result,
Consumption corresponding with statistic of classification result can also be prompted to user simultaneously.The consumption prompt can be used for prompting user's mesh
It is (or default that mark consumption data is up to preset cost (or preset times), ownership goal consumption data has reached preset cost
Number), ownership goal consumption data be more than preset cost (or preset times), thus prompt user carry out consumer behavior control,
To be conducive to the realization of the guarantee effect of trading item.
The target consumer data reach sets requirement can be target consumer data reach preset cost, preset times and
At least one of default ranking.
It is of the invention based on guarantor based on the second embodiment of the invention based on the user behavior monitoring method for ensureing transaction
In the fourth embodiment for hindering the user behavior monitoring method of transaction, the preset condition is the target consumer data all types of
Ranking in consumption data is more than default ranking；
The step S31, comprising:
Step S315, it is described to judge whether the target consumer data reach preset condition, to judge the daily row of user
For whether normal step, comprising:
Step S316 obtains the ranking of the consumption data of each type of user；
Whether step S317 reaches default ranking according to the ranking of the target consumer data, judges the daily row of user
It whether normal is.
Whether the amount of money according to every one kind target consumer data is more than preset cost, every one kind target consumer number
According to number whether be more than preset times, and whether default name is reached according to the consumption data ranking of each type of user
Word may be incorporated for judging whether user behavior is normal.It is, of course, also possible to according to two kinds of combination any in these three methods come
Judge whether user behavior is normal, it is further possible to judge whether user behavior is normal in combination with these three methods.
That is, when the amount of money of the target consumer data of user meets preset cost, number meets preset times and consumption type ranking meets
When the condition of default ranking meets, judge that the daily behavior of user is improper；Conversely, any type or two classes are not in three classes condition
When meeting, judge that the daily behavior of user is normal.
Based on the second embodiment of the invention based on the user behavior monitoring method for ensureing transaction into fourth embodiment
Any one, it is of the invention based on ensure transaction user behavior monitoring method the 5th embodiment in, the step S31 it
Afterwards, further includes:
Step S34, when user daily behavior not at that time, obtain the target consumer data, and obtain the default item
Part；
The target consumer data and the preset condition are sent to user and the transaction ensure platform by step S35,
And ensure that platform issues user's daily behavior and improperly prompts to user and the transaction.
Determine user there are daily behavior during using the trading item not at that time, by the target consumer data and
The preset condition is sent to user and the transaction ensures platform, is conducive to provide relief evidence, knows to trade convenient for user
Ensure the reasons why platform refusal ensures request, reduction user and transaction ensure the dispute between platform.
Based on the first embodiment of the invention based on the user behavior monitoring method for ensureing transaction into the 5th embodiment
Any one, it is of the invention based on ensure transaction user behavior monitoring method sixth embodiment in, the step S20, packet
It includes:
Step S24 obtains consumption data keyword according to the monitoring consumption data type；
Step S25 obtains the customer consumption data, according to the consumption data keyword in the customer consumption data
It is middle to search customer consumption data relevant to the consumption data keyword；
Customer consumption data relevant to the consumption data keyword are determined as the target consumer number by step S26
According to.
Consumption data keyword represents the consumption place of user or consumption content, different monitoring consumption data types correspond to
Different consumption data keywords.If trading item is slim product, monitoring consumption data type is dietary data, corresponding
Consumption data keyword can be with are as follows: dining room, sweets, snacks and chafing dish one kind are used to characterize the keyword of user's diet；For another example,
Trading item is study product, and monitoring consumption data type is recreation data, then corresponding consumption data keyword can be with are as follows: table
Trip, Internet bar, entertainment city and KTV one kind are used to characterize the keyword of consumer entertainment.
When containing corresponding consumption data keyword in certain consumption data for finding user, by this consumption data
Extract, and obtain its keyword, the amount of money, consumption time and consumption place at least any one be sent to ownership goal
Consumption data storing data library.According to the target consumer datum number storage in the guarantee period of products transactions according to the mesh stored in library
Consumption data is marked, ownership goal consumption data analysis result can be obtained.
Based on the first embodiment of the invention based on the user behavior monitoring method for ensureing transaction into sixth embodiment
Any one, it is of the invention based on ensure transaction user behavior monitoring method the 7th embodiment in, the step S40 it
Afterwards, further includes:
Step S60, when the daily behavior of user is there are when businessman's relief behavior, by the corresponding use of businessman's relief behavior
Family daily behavior data are sent to the user and issue the information that the refusal transaction ensures request to the user.
Various exemption clauses can be arranged by ensureing in contract, when the daily behavior of user is there are when businessman's relief behavior, quotient
Family ensures without providing transaction for user, so that technical solution of the present invention can also be drunk in the case where ensuring user benefit
Feelings ensure the interests of businessman, provide the guarantee requirement of both parties.
Based on the first embodiment of the invention based on the user behavior monitoring method for ensureing transaction into sixth embodiment
Any one, it is of the invention based on ensure transaction user behavior monitoring method the 8th embodiment in, the step S50 it
Afterwards, further includes:
Step S70 is ensured according to the transaction and guarantee contract corresponding with the trading item is requested to determine that transaction ensures
Scheme；
Step S80 carries out transaction to user account according to the transaction guarantee plan and ensures operation.
There are many modes that transaction guarantee operation is carried out according to the pact orientation user account of guarantee contract, for example, guarantee is closed
It can arrange to move back account in full, double reimbursement, reimbursement half in vain in about, can also arrange to move back integral in vain or move back gold coin, correspondingly,
Transaction, which is carried out, to user account ensures that operating can be to move back account in full, double reimbursement, reimbursement half, move back integral or move back gold coin.
In addition, to achieve the above object, the present invention also provides a kind of terminal, memory, processor and it is stored in described
On memory and the computer program that can run on the processor；It is real when the computer program is executed by the processor
Now as described in above-mentioned any embodiment based on ensure transaction user behavior monitoring method the step of.
Since the technical solution of the present embodiment terminal includes at least the above-mentioned user behavior monitoring method based on guarantee transaction
Whole technical solutions of embodiment, therefore at least no longer repeated one by one herein with whole technical effects of above embodiments.
Referring to Fig. 4, in some specific embodiments, which may include: processor 1001, such as CPU, network
Interface 1004, user interface 1003, memory 1005, communication bus 1002 and network share module 1006.Wherein, communication bus
1002 for realizing the connection communication between these components.User interface 1003 may include display screen (Display), input list
First such as keyboard (Keyboard), front end obtain data by above-mentioned user interface 1003.Network interface 1004 includes standard
Wireline interface, and optionally may include standard air interfaces (such as WI-FI interface).Memory 1005 can be high-speed RAM and deposit
Reservoir is also possible to stable memory (non-volatile memory), such as magnetic disk storage.Memory 1005 is optional
The storage device that can also be independently of aforementioned processor 1001.
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of terminal structure shown in Fig. 4, can wrap
It includes than illustrating more or fewer components, perhaps combines certain components or different component layouts.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
It is stored with computer program on storage medium, is realized when the computer program is executed by processor as above-mentioned based on guarantee transaction
User behavior monitoring method first embodiment to any one of the 8th embodiment the step of.
Since the technical solution of the present embodiment computer readable storage medium includes at least the above-mentioned use based on guarantee transaction
Whole technical solutions of family behavior monitoring embodiment of the method, therefore at least with whole technical effects of above embodiments, herein
No longer repeat one by one.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In computer readable storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions use so that a terminal device into
Enter method described in each embodiment of the present invention.
In the description of this specification, reference term " embodiment ", " another embodiment ", " other embodiments " or "
The description of one embodiment~X embodiment " etc. mean specific features described in conjunction with this embodiment or example, structure, material or
Person's feature is included at least one embodiment or example of the invention.In the present specification, to the schematic table of above-mentioned term
Stating may not refer to the same embodiment or example.Moreover, specific features, structure, material, method and step or the spy of description
Point can be combined in any suitable manner in any one or more of the embodiments or examples.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of based on the user behavior monitoring method for ensureing transaction, which comprises the steps of:
Determine that user ensures trading item type and monitoring corresponding to the trading item of the guarantee effect of platform purchase in transaction
Consumption data type；
Customer consumption data are obtained, and obtain mesh corresponding with the monitoring consumption data type from the customer consumption data
Mark consumption data；
According to the target consumer data, the daily behavior data of user are determined；
When detect user to the transaction ensure platform issue transaction ensure request when, according to the daily behavior data judge
The daily behavior of user whether there is the behavior of businessman's relief；
When the behavior of businessman's relief is not present in the daily behavior of user, judges that the user meets to the transaction and ensure platform hair
Transaction ensures the condition of request out.
2. according to claim 1 based on the user behavior monitoring method for ensureing transaction, which is characterized in that described according to institute
The step of stating target consumer data, determining the daily behavior data of user, comprising:
Judge whether the target consumer data reach preset condition, whether the daily behavior to judge user is normal；
When reaching preset condition with the target consumer data, determine that the daily behavior of user is improper；
When being not up to preset condition with the target consumer data, determine that the daily behavior of user is normal.
3. according to claim 2 based on the user behavior monitoring method for ensureing transaction, which is characterized in that the default item
Part is that the amount of money of every one kind target consumer data is more than the number of preset cost or every one kind target consumer data
More than preset times；
It is described to judge whether the target consumer data reach preset condition, to judge whether the daily behavior of user normally walks
Suddenly, comprising:
The amount of money of every one kind target consumer data is obtained, and obtains the preset cost of every one kind target consumer data；
Whether it is more than corresponding preset cost according to the amount of money of every one kind target consumer data, judges the daily behavior of user
It is whether normal；
Or
The number of every one kind target consumer data is obtained, and obtains the preset times of every one kind target consumer data；
Whether it is more than corresponding preset times according to the number of every one kind target consumer data, judges the daily behavior of user
It is whether normal.
4. according to claim 2 based on the user behavior monitoring method for ensureing transaction, which is characterized in that the default item
Part is that ranking of the target consumer data in all types of consumption datas is more than default ranking；
It is described to judge whether the target consumer data reach preset condition, to judge whether the daily behavior of user normally walks
Suddenly, comprising:
Obtain the ranking of the consumption data of each type of user；
Whether reach default ranking according to the ranking of the target consumer data, judges whether the daily behavior of user is normal.
5. according to claim 2 based on the user behavior monitoring method for ensureing transaction, which is characterized in that the judgement institute
State whether target consumer data reach preset condition, after judging the whether normal step of the daily behavior of user, further includes:
When user daily behavior not at that time, obtain the target consumer data, and obtain the preset condition；
The target consumer data and the preset condition are sent to user and the transaction and ensure platform, and to user and institute
It states transaction and ensures that platform issues user's daily behavior and improperly prompts.
6. according to any one of claim 1 to 5 based on the user behavior monitoring method for ensureing transaction, feature exists
In, the acquisition customer consumption data, and acquisition is corresponding with the monitoring consumption data type from the customer consumption data
Target consumer data the step of, comprising:
Consumption data keyword is obtained according to the monitoring consumption data type；
Obtain the customer consumption data, searched in the customer consumption data according to the consumption data keyword with it is described
The relevant customer consumption data of consumption data keyword；
Customer consumption data relevant to the consumption data keyword are determined as the target consumer data.
7. according to any one of claim 1 to 5 based on the user behavior monitoring method for ensureing transaction, feature exists
In, it is described when detect user to the transaction ensure platform issue transaction ensure request when, according to the daily behavior data
After judging the step of daily behavior of user is with the presence or absence of the behavior of businessman's relief, further includes:
When the daily behavior of user is there are when businessman's relief behavior, by the corresponding user's daily behavior number of businessman's relief behavior
The information requested is ensured according to being sent to the user and issuing the refusal transaction to the user.
8. according to any one of claim 1 to 5 based on the user behavior monitoring method for ensureing transaction, feature exists
In, it is described when the behavior of businessman's relief is not present in the daily behavior of user, it is flat to transaction guarantee to judge that the user meets
Platform issued after the step of transaction ensures the condition of request, further includes:
It is ensured according to the transaction and guarantee contract corresponding with the trading item is requested to determine transaction guarantee plan；
Transaction, which is carried out, to user account according to the transaction guarantee plan ensures operation.
9. a kind of terminal characterized by comprising memory, processor and be stored on the memory and can be described
The computer program run on processor；It is realized when the computer program is executed by the processor as in claim 1 to 8
The step of described in any item user behavior monitoring methods based on guarantee transaction.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer on the computer readable storage medium
Program is realized as described in any item of the claim 1 to 8 when the computer program is executed by processor based on guarantee transaction
User behavior monitoring method the step of.
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