CN116029730A - Intelligent management system and method for account transaction payment process - Google Patents
Intelligent management system and method for account transaction payment process Download PDFInfo
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Abstract
The invention discloses an intelligent management system and method for an account transaction payment process, which relate to the technical field of account transaction payment and comprise the following steps: s1: the user authorizes the transaction payment terminal and starts the transaction payment positioning function; s2: integrating historical transaction payment information and marking each transaction point; s3: determining an account of the transaction object according to the position information acquired by the positioning function, and responding to the payment request; s4: transaction payment is completed through the intelligent management system, and a transaction payment bill is fed back; the invention provides a convenient transaction payment mode, which monitors real-time transaction payment behaviors of accounts through a transaction monitoring module, analyzes related transaction payment information through a data analysis module, judges feasibility of transactions in real time, and intelligently manages transaction payment processes of users through a payment management module according to analysis results so as to improve payment efficiency and meet demands of transaction parties.
Description
Technical Field
The invention relates to the technical field of account transaction payment, in particular to an intelligent management system and method for an account transaction payment process.
Background
The transaction involves both the consumer and the merchant, and the payment system is capable of managing payment data, invoking a third party paymate interface, recording payment information, and the like by implementing both payment services through the payment system. A user account can have a plurality of payment accounts with different purposes, the user account is a unique identification code of a user in a payment mechanism, the user account is generally an account used when the user logs in, the payment account is an electronic book which is arranged by the payment mechanism according to the needs of a client and is used for recording prepaid transaction fund balances, a client initiates a payment instruction and reflecting transaction detail information, more possibilities are presented in an account transaction mode along with the development of the Internet of things and big data, but the existing large transaction platform needs to pay higher management cost, and certain transaction needs cannot be realized conveniently, so that a more convenient account transaction payment mode is lacking in the market at present.
Accordingly, there is a need for an intelligent management system and method for use in account transaction payment processes that addresses the above-described issues.
Disclosure of Invention
The present invention is directed to a solution to the above-mentioned problems.
In order to solve the technical problems, the invention provides the following technical scheme: an intelligent management method for use in an account transaction payment process, comprising the steps of:
s1: the user authorizes the transaction payment terminal and starts the transaction payment positioning function;
s2: integrating historical transaction payment information and marking each transaction point;
s3: determining an account of the transaction object according to the position information acquired by the positioning function, and responding to the payment request;
s4: and finishing transaction payment through the intelligent management system, and feeding back the transaction payment bill.
Further, in step S1, the user authorizes the intelligent management system for payment of account transaction by setting the personal terminal, obtains the real-time position of the user by the positioning function in the system, obtains the current transaction scene of the user according to the position information of the user, and sets a plurality of transaction points in the transaction scene according to the position information of each merchant, wherein the transaction points can carry out transaction payment through the position information of the account in the system after the transaction points pass the authentication and authorization of the system.
Further, in step S2, after the user enters the transaction scenario, the system integrates the historical information of transaction payment according to the position information of the user terminal and each transaction point in the scenario, outputs a transaction point list of the transaction scenario, which is transacted with the account held by the user, according to the transaction record in the historical data, associates the account with the corresponding transaction amount range of each transaction point according to the historical data of transaction payment, and adds a mark to each transaction point.
Further, step S3 includes the steps of:
s3-1: judging the current transaction scene of the user according to the position information acquired by the positioning function, and calling the related data of the high-frequency transaction point in the current transaction scene; the system processing time is reduced through the pre-adjustment of the high-frequency transaction point data;
s3-2: the transaction payment behavior of the user and the transaction point at the current position is monitored, the safety of the transaction environment is analyzed, and whether the current payment amount of the user exceeds the transaction amount range associated with the transaction point is judged;
analyzing the safety of the transaction environment, including network environment analysis, user track analysis and the like;
s3-3: and according to the judgment result of the transaction behavior of the user, relatively responding to the payment behavior of the transaction.
The judgment of the transaction behavior of the user comprises the following steps:
a1, acquiring the position information of the user, and marking a transaction point set in a transaction scene where the user is currently positioned as D, D= { D according to the position information of the user 1 ,d 2 ,...,d n And d is as follows 1 ,d 2 ,...,d n Respectively representing the 1 st, 2 nd, n th transaction points in the transaction point set D; associating the user with any transaction point d i Historical transaction success times and transaction failure times of the number are respectively marked as alpha i And beta i ；
Wherein the transaction failure times beta i The transaction cancellation times and the transaction return times are included;
a2 is according to the following general formulaCalculating the transaction point d i Trust level R of (1) i ：
R i =E i +(α i +1)/(α i +β i +2)；
E i =Q i *F；
F=δ/[δ+（t i -t 0 ）]；
Wherein E is i Represents the behavior evaluation factor, Q i Represents an influence factor, F represents a time attenuation factor, delta is an adjustment factor, t i Representing the user's point of transaction d i Is t 0 Representing the average residence time of the user for each transaction point in the current transaction scene;
a3, according to a preset transaction point trust degree threshold r, when the calculated transaction point trust degree is larger than the threshold r, the transaction point obtains a secret payment-free authority, namely, when a user performs transaction payment with the transaction point, operations such as code scanning, secondary authorization and the like are not needed, and transaction payment operation can be directly completed after transaction amount is confirmed; when the trust degree of the transaction point is smaller than a threshold r, in order to improve the safety, payment confirmation is needed to be carried out on the transaction payment, transaction data is confirmed in the modes of face recognition, gesture recognition, terminal sensing and the like, and the transaction payment operation is completed;
further, step S4 includes the steps of:
s4-1: after the intelligent management system responds to the transaction payment behaviors of the user, managing the transaction path of the account; the user selects a payment path linked by transaction payment through a custom payment mode, and the system invokes available resources in the account to complete the transaction according to the instruction;
s4-2: marking accounts of both sides of transaction payment, and recording the transaction instruction, the transaction quantity and the transaction type;
s4-3: and feeding back the transaction payment bill, uploading and storing the transaction record by the system, and updating the resources in the bill. The balance of resources and use is realized;
an intelligent management system for use in an account transaction payment process, the system comprising: the system comprises a data acquisition module, a data analysis module, a transaction monitoring module and a payment management module;
the data acquisition module is used for acquiring related transaction payment information of a user;
the data analysis module is used for analyzing the acquired related transaction payment information;
the transaction monitoring module is used for monitoring the real-time transaction payment process of the user;
the payment management module is used for intelligently managing the transaction payment process of the user.
Further, the data acquisition module comprises a historical data acquisition unit, a position information acquisition unit and a transaction right acquisition unit;
the historical data acquisition unit is used for acquiring historical data of both transaction payment parties; including transaction amount, transaction mode, number of transactions, transaction type, etc.;
the position information acquisition unit is used for acquiring real-time position information of a transaction user;
the transaction right acquisition unit is used for acquiring the transaction payment right of the user;
the data analysis module comprises a transaction scene analysis unit, a transaction security analysis unit and a transaction object analysis unit;
the transaction scene analysis unit is used for analyzing the use scene of transaction payment;
the transaction security analysis unit is used for analyzing the security of the current transaction payment behavior; by using certificates and digital signatures, a basis for authenticating identities is provided for all parties of the transaction, and the authenticity of information is ensured; meanwhile, the integrity and non-repairable modification of the data are ensured; by using a digital signature, a party to the transaction can be prevented from violating the transaction that has occurred; through the safety analysis of the transaction behavior, the use safety of the user is improved, and information is prevented from being stolen;
the transaction object analysis unit is used for analyzing the current transaction object and selecting the transaction object according to the position information; namely, the transaction point of the transaction payment currently carried out by the user is obtained through analysis by matching the position information of the user with the position information of the transaction point in the system;
further, the transaction monitoring module comprises a transaction characteristic acquisition unit, a transaction behavior discrimination unit and a transaction abnormality early warning unit;
the transaction data acquisition unit is used for acquiring related data of both transaction parties in real time;
the transaction amount can be controlled to be within the early warning threshold value, and whether the transaction amount of the transaction point is matched with the operation scale or not is monitored;
the transaction behavior judging unit is used for judging the monitored transaction related data according to the analysis result of the data analysis module;
the transaction abnormality early warning unit is used for early warning the monitored abnormal data according to the judging result of the transaction behavior judging unit and locking the payment;
further, the payment management module comprises a payment path management unit, a payment account management unit and a payment bill feedback unit;
the payment path management unit is used for managing the payment path of the account transaction payment;
the payment account management unit is used for managing accounts of both sides of transaction payment;
the bill payment feedback unit is used for managing bills paid by the transaction and integrating the settlement of the transaction.
Compared with the prior art, the invention has the following beneficial effects:
according to the invention, the related transaction payment information of the user is acquired through the data acquisition module, the acquired related transaction payment information is analyzed through the data analysis module, the real-time transaction payment behavior of the account is monitored through the transaction monitoring module, meanwhile, the feasibility of the transaction can be judged in real time through the security analysis of the transaction object in the system, and the transaction payment process of the user is intelligently managed through the payment management module according to the analysis result, so that a convenient transaction payment management method is provided, the payment efficiency is improved, and the actual demands of transaction parties are met.
Drawings
The accompanying drawings are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate the invention and together with the embodiments of the invention, serve to explain the invention. In the drawings:
FIG. 1 is a schematic block diagram of an intelligent management system and method for use in an account transaction payment process according to the present invention;
FIG. 2 is a flow chart of a method of the present invention for an intelligent management system and method in an account transaction payment process.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The invention is further described with reference to fig. 1, 2 and embodiments.
Example 1: as shown in fig. 1, the present embodiment provides an intelligent management system for use in an account transaction payment process, where the system includes: the system comprises a data acquisition module, a data analysis module, a transaction monitoring module and a payment management module;
acquiring related transaction payment information of a user through a data acquisition module; the data acquisition module comprises a historical data acquisition unit, a position information acquisition unit and a transaction right acquisition unit;
the historical data acquisition unit is used for acquiring historical data of both transaction payment parties; including transaction amount, transaction mode, number of transactions, transaction type, etc.;
the position information acquisition unit is used for acquiring real-time position information of the transaction user;
the transaction right acquisition unit is used for acquiring the transaction payment right of the user;
analyzing the acquired related transaction payment information through a data analysis module; the data analysis module comprises a transaction scene analysis unit, a transaction security analysis unit and a transaction object analysis unit;
the transaction scene analysis unit is used for analyzing the use scene of transaction payment;
the transaction safety analysis unit is used for analyzing the safety of the current transaction payment behavior; by using certificates and digital signatures, a basis for authenticating identities is provided for all parties of the transaction, and the authenticity of information is ensured; meanwhile, the integrity and non-repairable modification of the data are ensured; by using a digital signature, a party to the transaction can be prevented from violating the transaction that has occurred; through the safety analysis of the transaction behavior, the use safety of the user is improved, and information is prevented from being stolen;
the transaction object analysis unit is used for analyzing the current transaction object and selecting the transaction object according to the position information; namely, the transaction point of the transaction payment currently carried out by the user is obtained through analysis by matching the position information of the user with the position information of the transaction point in the system;
monitoring a real-time transaction payment process of a user through a transaction monitoring module; the transaction monitoring module comprises a transaction characteristic acquisition unit, a transaction behavior discrimination unit and a transaction abnormality early warning unit;
the transaction data acquisition unit is used for acquiring related data of both transaction parties in real time; the transaction amount can be controlled to be within the early warning threshold value, and whether the transaction amount of the transaction point is matched with the operation scale or not is monitored;
the transaction behavior discriminating unit is used for discriminating the monitored transaction related data according to the analysis result of the data analysis module;
the transaction abnormality early warning unit is used for early warning the monitored abnormal data according to the judging result of the transaction behavior judging unit and locking the payment;
the transaction payment process of the user is intelligently managed through the payment management module; the payment management module comprises a payment path management unit, a payment account management unit and a payment bill feedback unit;
the payment path management unit is used for managing the payment path of the account transaction payment;
the payment account management unit is used for managing accounts of both sides of transaction payment;
the bill payment feedback unit is used for managing bills paid by the transaction and integrating the transaction.
Example 2: as shown in fig. 2, the present embodiment provides an intelligent management method for use in an account transaction payment process, which is implemented based on an intelligent management system for use in an account transaction payment process in the embodiment, and specifically includes the following steps:
s1: the user authorizes the transaction payment terminal and starts the transaction payment positioning function; in step S1, a user authorizes an intelligent management system for account transaction payment by setting a personal terminal, acquires a real-time position of the user by a positioning function in the system, obtains a current transaction scene of the user according to the position information of the user, and sets a plurality of transaction points according to the position information of each merchant in the transaction scene, wherein the transaction points can carry out transaction payment through the position information of an account in the system after the transaction points pass through the system authentication and authorization.
S2: integrating historical transaction payment information and marking each transaction point; in step S2, after the user enters the transaction scenario, the system integrates the historical information of transaction payment according to the position information of the user terminal and each transaction point in the scenario, outputs a transaction point list of the transaction points in the transaction scenario, which is transacted with the account held by the user, according to the transaction record in the historical data, associates the account with the corresponding transaction amount range of each transaction point according to the historical data of the transaction payment, and adds a mark to each transaction point.
S3: determining an account of the transaction object according to the position information acquired by the positioning function, and responding to the payment request; the step S3 specifically comprises the following steps:
s3-1: judging the current transaction scene of the user according to the position information acquired by the positioning function, and calling the related data of the high-frequency transaction point in the current transaction scene; the system processing time is reduced through the pre-adjustment of the high-frequency transaction point data;
s3-2: the transaction payment behavior of the user and the transaction point at the current position is monitored, the safety of the transaction environment is analyzed, and whether the current payment amount of the user exceeds the transaction amount range associated with the transaction point is judged;
analyzing the safety of the transaction environment, including network environment analysis, user track analysis and the like;
detecting the network environment of transaction payment, and early warning the network with risk, so as to avoid property loss or privacy disclosure; detecting and analyzing the user track, avoiding the risk of the account being stolen in different places, and reducing the risk of property loss caused by the loss of the user terminal;
s3-3: and according to the judgment result of the transaction behavior of the user, relatively responding to the payment behavior of the transaction.
The judgment of the transaction behavior of the user comprises the following steps:
a1, acquiring the position information of the user, and marking a transaction point set in a transaction scene where the user is currently positioned as D, D= { D according to the position information of the user 1 ,d 2 ,...,d n And d is as follows 1 ,d 2 ,...,d n Respectively representing the 1 st, 2 nd, n th transaction points in the transaction point set D; associating the user with any transaction point d i Historical transaction success times and transaction failure times of the number are respectively marked as alpha i And beta i ；
Wherein the transaction failure times beta i The transaction cancellation times and the transaction return times are included;
a2 for the monitored current transaction point d 2 Acquiring related data, alpha i =7，β i Time of residence t =1 2 =11；
Calculating the transaction point d according to the following formula 2 Trust level R of (1) 2 ：
F=δ/[δ+（t i -t 0 ）]=0.3/[0.3+（11-2）]=0.03；
E 2 =Q i *F=1.5*0.03=0.045；
R 2 =E 2 +(α i +1)/(α i +β i +2)=0.045+(7+1)/(7+1+2)=0.845；
Wherein E is 2 Representing the user's point of transaction d 2 Behavior evaluation factor, Q i Represents an influence factor, F represents a time attenuation factor, delta is an adjustment factor, t i Representing the user's point of transaction d i Is t 0 Representing the average residence time of the user for each transaction point in the current transaction scene;
a3, presetting a transaction point trust threshold r=0.8, and calculating to obtain the trust R of the current transaction point 2 When the value of the transaction point is more than the threshold value r, the transaction point obtains the secret-free payment authority, and the user does not need to perform operations such as code scanning, secondary authorization and the like when performing transaction payment with the transaction point, and the transaction payment operation can be directly completed after the transaction amount is confirmed;
the relative response to the transaction payment activity includes the following:
if the safety of the current transaction payment behavior and the payment amount are not abnormal, the current transaction payment is completed through a payment path in the system link account;
if the system monitors that the security of the current transaction payment behavior is abnormal, locking the transaction payment of the account, and stopping the transaction;
if the system monitors that the payment amount of the current transaction payment behavior exceeds the transaction amount range associated with the transaction point, sending an early warning prompt to the user through the user terminal, suspending the transaction, and continuing the transaction after waiting for the second confirmation of the user;
when responding to the transaction payment behavior, a user can complete the transaction by adopting different instructions through setting the system, and when the system has the secret payment-free authorization, the transaction can be completed by confirming a payment object; in order to improve the safety, the method can further confirm the transaction by adding a shaking terminal, recognizing gestures or scanning faces and the like to finish the payment.
S4: transaction payment is completed through the intelligent management system, and a transaction payment bill is fed back; the step S4 specifically comprises the following steps:
s4-1: after the intelligent management system responds to the transaction payment behaviors of the user, managing the transaction path of the account; the user selects a payment path linked by transaction payment through a custom payment mode, and the system invokes available resources in the account to complete the transaction according to the instruction;
s4-2: marking accounts of both sides of transaction payment, and recording the transaction instruction, the transaction quantity and the transaction type;
s4-3: and feeding back the transaction payment bill, uploading and storing the transaction record by the system, and updating the resources in the bill. A balance of resources and usage is achieved.
Example 3: the embodiment provides an intelligent management method for an account transaction payment process, which specifically comprises the following steps:
s1: the user authorizes the intelligent management system of account transaction payment by setting the personal terminal, acquires the real-time position of the user by a positioning function in the system, obtains the position information of the transaction point in the current transaction scene according to the transaction behavior history record of other users in the current area, and can use the account in the system to conduct transaction payment according to the real-time position information for the transaction point authorized by the system authentication.
S2: after a user enters a transaction scene, the system integrates historical information of transaction payment according to the position information of the user terminal and each transaction point in the scene, obtains historical payment information of transactions carried out with accounts held by the user in the transaction scene in the historical data, and the user can carry out custom setting on transaction limits of each transaction scene or each transaction point according to actual demands;
s3: determining an account of the transaction object according to the position information acquired by the positioning function, and responding to the payment request; the step S3 specifically comprises the following steps:
s3-1: acquiring a current transaction scene of a user according to the position information acquired by the positioning function, and calling high-frequency transaction point related data in the current transaction scene; the system processing time is reduced through the pre-adjustment of the high-frequency transaction point data;
s3-2: the transaction payment behavior of the user and the transaction point at the current position is monitored, the safety of the transaction environment is analyzed, and whether the current payment amount of the user exceeds the limit range set by the transaction point is judged;
s3-3: according to the judgment result of the transaction behavior of the user, carrying out relative response on the payment behavior of the transaction;
the judgment of the transaction behavior of the user comprises the following steps:
a1, acquiring the position information of the user, and marking a transaction point set in a transaction scene where the user is currently positioned as D, D= { D according to the position information of the user 1 ,d 2 ,...,d n And d is as follows 1 ,d 2 ,...,d n Respectively representing the 1 st, 2 nd, n th transaction points in the transaction point set D; associating the user with any transaction point d i Historical transaction success times and transaction failure times of the number are respectively marked as alpha i And beta i ；
Wherein the transaction failure times beta i The transaction cancellation times and the transaction return times are included;
a2 for the monitored current transaction point d 2 Acquiring related data, alpha i =3，β i Time of residence t =1 2 =16；
Calculating the transaction point d according to the following formula 2 Trust level R of (1) 2 ：
F=δ/[δ+（t i -t 0 ）]=0.3/[0.3+（16-3）]=0.02；
E 2 =Q i *F=1.5*0.02=0.03；
R 2 =E 2 +(α i +1)/(α i +β i +2)=0.03+(3+1)/(3+1+2)=0.69；
Wherein E is 2 Representing the user's point of transaction d 2 Behavior evaluation factor, Q i Represents an influence factor, F represents a time attenuation factor, delta is an adjustment factor, t i Representing the user's point of transaction d i Is t 0 Representing the average residence time of the user for each transaction point in the current transaction scene;
a3, presetting a transaction point trust threshold r=0.8, and calculating to obtain the trust R of the current transaction point 2 =0.69 less than the threshold r, the transaction point has no secret payment authority, useWhen the user performs transaction payment with the transaction point, the user needs to perform secondary verification, and the transaction payment operation is completed through operations such as secondary authorization after confirming the transaction amount;
wherein the relative response to the transaction payment action includes the following:
if the safety of the current transaction payment behavior and the payment amount are not abnormal, the current transaction payment is completed through a payment path in the system link account;
if the system monitors that the security of the current transaction payment behavior is abnormal, locking the transaction payment of the account, and stopping the transaction;
if the system monitors that the payment amount of the current transaction payment behavior exceeds the transaction amount range associated with the transaction point, sending an early warning prompt to the user through the user terminal, suspending the transaction, and continuing the transaction after waiting for the second confirmation of the user;
s4: transaction payment is completed through the intelligent management system, and a transaction payment bill is fed back; the step S4 specifically comprises the following steps:
s4-1: after the intelligent management system responds to the transaction payment behaviors of the user, managing the transaction path of the account; the user self-defines a payment mode, selects a payment path linked by transaction payment, and the system invokes available resources in the account to complete the transaction according to the instruction;
s4-2: marking accounts of both sides of transaction payment, and recording the transaction instruction, the transaction quantity and the transaction type;
s4-3: feeding back the transaction payment bill, uploading and storing the transaction record by the system, and updating the resources in the bill; if the user has a question about any bill in the transaction record after completing the transaction payment, a complaint is initiated to the transaction party through the system, and the operations such as refund and the like can be completed after negotiating with the transaction merchant in a mode of uploading complaint materials and the like; the refund amount is returned through the original payment path and the related data in the account is updated.
Example 4: the embodiment provides an intelligent management method for an account transaction payment process, which specifically comprises the following steps:
s1: according to historical transaction data of user side account transaction payment, any transaction point which is subjected to multiple positioning and application authorization is automatically authorized by an account transaction payment intelligent management system, and a transaction payment positioning function is started;
s2: analyzing the transaction return rate of the transaction points, setting a return rate threshold L, marking the transaction points with the return rate larger than L as risk transaction points, wherein the return rate is the proportion of the transaction cancellation times and the transaction return times in the historical total transaction times of the transaction points;
s3: determining an account of the transaction object according to the position information acquired by the positioning function, and responding to the payment request;
s4: when the intelligent management system is used for carrying out transaction payment, the bill is recorded through the background, and the transaction bill is marked according to the bill type; and updating the historical transaction data of each transaction point through bill marking, for example, updating the return rate of the transaction point, and judging whether the transaction point is marked as a risk transaction point or not.
It should be noted that in this document, terms such as "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus 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 apparatus.
Finally, it should be noted that: the foregoing description is only a preferred embodiment of the present invention, and the present invention is not limited thereto, but it is to be understood that modifications and equivalents of some of the technical features described in the foregoing embodiments may be made by those skilled in the art, although the present invention has been described in detail with reference to the foregoing embodiments. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (5)
1. An intelligent management method for an account transaction payment process is characterized in that: the method comprises the following steps:
s1: the user authorizes the transaction payment terminal and starts the transaction payment positioning function;
s2: integrating historical transaction payment information and marking each transaction point;
s3: determining an account of the transaction object according to the position information acquired by the positioning function, and responding to the payment request;
s4: transaction payment is completed through the intelligent management system, and a transaction payment bill is fed back;
step S3 comprises the steps of:
s3-1: judging the current transaction scene of the user according to the position information acquired by the positioning function, and calling the related data of the high-frequency transaction point in the current transaction scene;
s3-2: the transaction payment behavior of the user and the transaction point at the current position is monitored, the safety of the transaction environment is analyzed, and whether the current payment amount of the user exceeds the transaction amount range associated with the transaction point is judged;
s3-3: according to the judgment result of the transaction behavior of the user, carrying out relative response on the payment behavior of the transaction;
the judgment of the transaction behavior of the user comprises the following steps:
a1, acquiring the position information of the user, and marking a transaction point set in a transaction scene where the user is currently positioned as D, D= { D according to the position information of the user 1 ,d 2 ,...,d n And d is as follows 1 ,d 2 ,...,d n Respectively representing the 1 st, 2 nd, n th transaction points in the transaction point set D; associating the user with any transaction point d i Historical transaction success times and transaction failure times of the number are respectively marked as alpha i And beta i ；
Wherein the transaction failure times beta i The transaction cancellation times and the transaction return times are included;
a2, calculating the transaction point d according to the following formula i Trust level R of (1) i ：
R i =E i +(α i +1)/(α i +β i +2)；
E i =Q i *F；
F=δ/[δ+（t i -t 0 ）]；
Wherein E is i Represents the behavior evaluation factor, Q i Represents an influence factor, F represents a time attenuation factor, delta is an adjustment factor, t i Representing the user's point of transaction d i Is t 0 Representing the average residence time of the user for each transaction point in the current transaction scene;
a3, according to a preset transaction point trust degree threshold r, when the calculated transaction point trust degree is larger than the threshold r, the transaction point obtains the secret payment-free authority, and the transaction payment operation can be directly completed after the transaction amount is confirmed; when the calculated trust degree of the transaction point is smaller than the threshold value r, the transaction payment needs to be confirmed to finish the transaction payment operation.
2. An intelligent management method for use in an account transaction payment process according to claim 1, wherein: in step S1, a user authorizes an intelligent management system for account transaction payment by setting a personal terminal, acquires a real-time position of the user by a positioning function in the system, obtains a current transaction scene of the user according to the position information of the user, and sets a plurality of transaction points according to the position information of each merchant in the transaction scene, wherein the transaction points can carry out transaction payment through the position information of an account in the system after the transaction points pass through the system authentication and authorization.
3. An intelligent management method for use in an account transaction payment process according to claim 1, wherein: in step S2, after the user enters the transaction scenario, the system integrates the historical information of transaction payment according to the position information of the user terminal and each transaction point in the scenario, outputs a transaction point list of the transaction points in the transaction scenario, which is transacted with the account held by the user, according to the transaction record in the historical data, associates the account with the corresponding transaction amount range of each transaction point according to the historical data of the transaction payment, and adds a mark to each transaction point.
4. An intelligent management method for use in an account transaction payment process according to claim 1, wherein: step S4 comprises the steps of:
s4-1: after the intelligent management system responds to the transaction payment behaviors of the user, managing the transaction path of the account;
s4-2: marking accounts of both sides of transaction payment, and recording the transaction instruction, the transaction quantity and the transaction type;
s4-3: and feeding back the transaction payment bill, uploading and storing the transaction record by the system, and updating the resources in the bill.
5. An intelligent management system for use in an account transaction payment process, characterized by: the system comprises: the system comprises a data acquisition module, a data analysis module, a transaction monitoring module and a payment management module;
the data acquisition module is used for acquiring related transaction payment information of a user;
the data analysis module is used for analyzing the acquired related transaction payment information;
the transaction monitoring module is used for monitoring the real-time transaction payment process of the user;
the payment management module is used for intelligently managing the transaction payment process of the user;
the data acquisition module comprises a historical data acquisition unit, a position information acquisition unit and a transaction right acquisition unit;
the historical data acquisition unit is used for acquiring historical data of both transaction payment parties; the position information acquisition unit is used for acquiring real-time position information of a transaction user;
the transaction right acquisition unit is used for acquiring the transaction payment right of the user;
the data analysis module comprises a transaction scene analysis unit, a transaction security analysis unit and a transaction object analysis unit;
the transaction scene analysis unit is used for analyzing the use scene of transaction payment;
the transaction security analysis unit is used for analyzing the security of the current transaction payment behavior;
the transaction object analysis unit is used for analyzing the current transaction object and selecting the transaction object according to the position information;
the transaction monitoring module comprises a transaction characteristic acquisition unit, a transaction behavior discrimination unit and a transaction abnormality early warning unit;
the transaction data acquisition unit is used for acquiring related data of both transaction parties in real time;
the transaction behavior judging unit is used for judging the monitored transaction related data according to the analysis result of the data analysis module;
the transaction abnormality early warning unit is used for early warning the monitored abnormal data according to the judging result of the transaction behavior judging unit and locking the payment;
the payment management module comprises a payment path management unit, a payment account management unit and a payment bill feedback unit;
the payment path management unit is used for managing the payment path of the account transaction payment;
the payment account management unit is used for managing accounts of both sides of transaction payment;
the bill payment feedback unit is used for managing bills paid by the transaction and integrating the settlement of the transaction.
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