CN116152001B - Aggregate payment supervision system based on accounting data analysis - Google Patents
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Abstract
The invention discloses an aggregate payment supervision system based on accounting data analysis, belonging to the technical field of payment supervision; acquiring the overall situation of the aggregate payment collection in the corresponding divided time period by carrying out monitoring statistics on the financial data of the aggregate payment collection in the plurality of divided time periods; the method comprises the steps of integrating phase collection account data of aggregate payment collection in a plurality of effective time periods to obtain corresponding phase busy coefficients, and analyzing and classifying the data according to the phase busy coefficients; the busy analysis data of the stages corresponding to different effective time periods of the current day of the commercial tenant are integrated to obtain the corresponding operation overall state coefficient, and the operation overall state corresponding to the current day of the commercial tenant can be analyzed and classified; the method and the device are used for solving the technical problems that in the existing scheme, the expansion and mining of the financial data of the aggregated payment of the merchants are not carried out, so that the merchants cannot intuitively and efficiently acquire busy conditions of different stages and overall operation, and the overall effect of the aggregated payment supervision of the merchants is poor.
Description
Technical Field
The invention relates to the technical field of payment supervision, in particular to an aggregate payment supervision system based on accounting data analysis.
Background
The aggregate payment is to integrate the payment services of more than one bank, non-banking institution or clearing organization by means of the payment channel and clearing capability of the bank, non-banking institution or clearing organization and by utilizing its own technology and service integration capability.
When the conventional aggregate payment supervision scheme is implemented, most of the scheme is only stopped on single data monitoring and statistics display, such as visual display of the number of aggregated payment payouts, the amount of money, the number of people and corresponding changes, and no expansion and excavation are performed on the accounting data corresponding to the aggregate payment payouts, so that merchants cannot intuitively and efficiently acquire busy conditions of different stages and overall operation, and the overall effect of the merchant aggregate payment supervision is poor.
Disclosure of Invention
The invention aims to provide an aggregate payment supervision system based on account data analysis, which is used for solving the technical problems that in the prior art, the account data of merchant aggregate payment is not expanded and mined, so that merchants cannot intuitively and efficiently acquire busy conditions of different stages and overall operation, and the overall effect of merchant aggregate payment supervision is poor.
The aim of the invention can be achieved by the following technical scheme:
an aggregate payment supervision system based on account data analysis comprises a merchant collection monitoring and counting module, wherein the merchant collection monitoring and counting module is used for carrying out real-time monitoring and counting on data of payment by aggregate payment of users in different time periods every day, and carrying out validity division on different time periods according to aggregate payment behaviors of different users to obtain collection monitoring sets corresponding to merchant aggregate payment;
the merchant collection monitoring analysis module is used for calculating corresponding collection data in different effective time periods of merchants according to the collection monitoring set, and carrying out busyness analysis and classification on the calculated results in different effective time periods to obtain a collection analysis set; comprising the following steps:
traversing the collection monitoring set to obtain a plurality of effective time periods, corresponding collection total times and stage collection total prices;
when calculating corresponding collection data in different effective time periods of a merchant, numbering a plurality of effective time periods in sequence, and marking the effective time periods as i, i= {1,2,3, … …, n }, wherein n is a positive integer;
and sequentially marking the numerical value of the total collection times corresponding to the effective time periods as SKi; the value of the total price of the stage collection corresponding to a plurality of effective time periods is marked as KZi; sequentially carrying out simultaneous calculation on the collection total times and the stage collection total prices marked corresponding to the effective time periods to obtain stage busy coefficients corresponding to the effective time periods;
when busy analysis and classification are carried out on different effective time periods, phase busy coefficients corresponding to the ordered effective time periods are sequentially matched with corresponding standard phase busy ranges, and phase collection analysis data corresponding to the effective time periods including a light busy signal and a first-class time period, a medium busy signal and a second-class time period or a heavy busy signal and three-class time periods are obtained;
the collection analysis data of the stages corresponding to the effective time periods are arranged and combined in time sequence to obtain a collection analysis set and uploaded to the cloud platform;
and the merchant collection stage evaluation module is used for evaluating the overall busy condition of the merchant aggregated collection on the current day according to the collection analysis set to obtain stage overall evaluation data corresponding to the merchant aggregated collection.
Preferably, the acquiring of the collection monitoring set includes:
equally dividing the time length of each day into a plurality of equal parts according to a preset dividing period;
monitoring and data statistics are sequentially carried out on the aggregation collection conditions in a plurality of ordered dividing periods through an aggregation payment device, collection total times corresponding to the dividing periods are obtained, and collection prices corresponding to each time are obtained through the aggregation payment device;
when the validity division is implemented on different time periods according to the aggregate payment behaviors of different users, the phase collection total price and the collection average price are obtained according to the corresponding collection total times and the collection prices corresponding to each time in the division time periods, and the validity of the corresponding division time periods is analyzed according to the phase collection total price.
Preferably, if the total price of the stage collection is zero, judging that the corresponding divided time period is invalid and generating an invalid tag, and marking the corresponding divided time period as an invalid time period according to the invalid tag;
if the total price of the stage collection is not zero, judging that the corresponding divided time period is effective and generating an effective label, and marking the corresponding divided time period as an effective time period according to the effective label;
the ordered effective time periods, the corresponding collection total times, the collection price paid by aggregation each time, the stage collection total price and the collection average price form a collection monitoring set and are uploaded to the cloud platform.
Preferably, the calculation formula of the phase busy coefficient is:
in the method, in the process of the invention,for the busy coefficient of the stage, g1 and g2 are constant coefficients larger than zero, and g1 is more than or equal to g2; SK0 is the standard total collection times corresponding to the merchant effective period, KZ0 is the standard total collection price corresponding to the merchant effective period.
Preferably, the working steps of the merchant collecting stage evaluation module include:
acquiring a collection analysis set corresponding to merchant aggregate collection, traversing, counting the total number of the first class period, the second class period and the third class period acquired by traversing, and marking the total number as a first class total number YZ, a second class total number EZ and a third class total number SZ respectively;
obtaining operation types corresponding to merchants, setting different operation types to correspond to different operation weights, matching the obtained operation types with all operation types prestored in a database to obtain corresponding operation weights, and marking the operation weights as JQ;
extracting the total number of one class, the total number of two classes and the total number of three classes of marks and parallelly calculating the numerical values of the corresponding operation weights to obtain the operation overall state coefficients corresponding to the current day of the commercial tenant;
when the overall busy condition of the merchant aggregate collection on the same day is evaluated, the operation overall state coefficient is matched with the corresponding operation overall state table to obtain the corresponding operation overall state range and the corresponding operation overall state grade;
the operation overall state coefficient and the corresponding normal overall operation signal or primary overall operation signal, medium overall operation signal or higher overall operation signal form the overall evaluation data of the corresponding stage of the current day operation, aggregation and collection of the commercial tenant and upload the overall evaluation data to the cloud platform.
Preferably, the calculation formula of the operation overall state coefficient is:
in the method, in the process of the invention,for the operation overall state coefficients, j1, j2 are constant coefficients greater than zero and 2×j1=j2.
Preferably, the operation overall state table comprises a normal overall operation range, an elementary overall operation range, a medium overall operation range and a high overall operation range, and is respectively associated with a normal level, an elementary level, a medium level and a high level, and the like, and the operation overall busy degree corresponding to each level is sequentially increased.
Preferably, the system further comprises a stage evaluation and tracing verification module, which is used for tracking and tracing verification of the whole evaluation data of all stages in the evaluation period, and dynamically prompting the business service state corresponding to the merchant aggregate collection according to the verification result.
Preferably, traversing the whole evaluation data of all stages in the evaluation period, and carrying out data statistics, wherein the total number of occurrence of the medium whole operation signal and the higher whole operation signal obtained by the traversal is counted and set as a first tracing total number and a second tracing total number respectively; comparing and judging the first tracing total number and the second tracing total number with a corresponding first tracing threshold value and a corresponding second tracing threshold value respectively;
if the first tracing total number is larger than the first tracing threshold value and the second tracing total number is larger than the second tracing threshold value, generating a first tracing signal; if the first tracing total number is larger than the first tracing threshold value or the second tracing total number is larger than the second tracing threshold value, generating a second tracing signal; if the first tracing total number is not greater than the first tracing threshold value and the second tracing total number is not greater than the second tracing threshold value, generating a third tracing signal;
the first trace back signal, the second trace back signal or the third trace back signal constitutes a verification result.
Preferably, when dynamically prompting the business service state corresponding to the merchant aggregate collection, traversing the verification result, and respectively generating prompts of needing to increase full-time service personnel, needing to increase part-time personnel or needing not to increase service personnel according to the first tracing signal, the second tracing signal or the third tracing signal obtained by traversing;
and generating a prompt for adding the part-time personnel, and prompting all the class-II time periods and the class-III time periods corresponding to the part-time personnel.
Compared with the prior art, the invention has the beneficial effects that:
according to the invention, on one hand, the account data of the aggregate payment collection in a plurality of divided time periods are monitored and counted, so that the integral condition of the aggregate payment collection in the corresponding divided time periods can be intuitively and efficiently obtained, and reliable data support can be provided for integral condition analysis of follow-up aggregate payment collection supervision; the accuracy of the subsequent data analysis of the divided time period can be effectively improved by comparing and screening the total price of the stage collection in the divided time period.
On the other hand, according to the method, the corresponding stage busy coefficients are obtained by integrating the stage collection accounting data of the aggregate payment collection in a plurality of effective time periods, and the data analysis and classification are carried out according to the stage busy coefficients, so that the business busy conditions corresponding to different effective time periods can be intuitively and efficiently obtained, and local data support can be provided for analysis of the whole business busy conditions corresponding to the subsequent aggregate payment collection;
the business integral state corresponding to the current day of the merchant can be analyzed and classified according to the business integral state coefficient by integrating the busy analysis data of the stages corresponding to different effective time periods of the current day of the merchant, so that the business integral state of the merchant can be intuitively and efficiently obtained, reliable data support can be provided for the implementation of the subsequent merchant aggregate payment supervision, and the integral effect of aggregate payment collection financial data analysis can be effectively improved.
According to other aspects disclosed by the invention, the whole operation service capability analysis accuracy of the merchant aggregate collection can be effectively improved by tracing and checking the whole evaluation data of the merchant, the influence of accidental abnormal data on the data analysis can be eliminated, the whole operation service capability of the merchant can be intuitively and efficiently obtained through the checking result, and reliable data support can be provided for the adjustment of the operation service state of the subsequent merchant;
the business service state of the merchant is dynamically prompted according to the verification result, so that the merchant can intuitively and efficiently acquire the whole business state so as to take reasonable measures in time to improve the business service capability; compared with the prior art, the invention can realize more efficient and comprehensive analysis and prompt effects of the financial data and realize expansion and excavation of analysis of the financial data corresponding to the aggregate collection operation of merchants by counting and estimating busy conditions of different operation periods through manual experience and increasing personnel to reduce the occurrence of continuous busy conditions of operation.
Drawings
The invention is further described below with reference to the accompanying drawings.
Fig. 1 is a block diagram of an aggregate payment supervisory system based on accounting data analysis according to the present invention.
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.
Example 1
As shown in fig. 1, the invention provides an aggregate payment supervision system based on account data analysis, which comprises a merchant collection monitoring and counting module, a merchant collection monitoring and analyzing module, a merchant collection stage evaluation module and a cloud platform;
the merchant collection monitoring and counting module is used for carrying out real-time monitoring and counting on data of payment of users in different time periods every day through aggregated payment, and carrying out validity division on different time periods according to the aggregated payment behaviors of different users to obtain collection monitoring sets corresponding to merchant aggregated payment; comprising the following steps:
equally dividing the time length of each day into a plurality of equal parts according to a preset dividing period; wherein, the dividing period can be 20 minutes, and the time duration of each day is equally divided into 72 equal parts;
it should be noted that, dividing the time period of each day into a plurality of equal parts by dividing the time period for different time periods of each day aims at implementing modularized monitoring statistics for daily merchant aggregate payment and effectively improving the accuracy of monitoring analysis of subsequent aggregate payment collection;
monitoring and data statistics are sequentially carried out on the aggregation collection conditions in a plurality of ordered dividing periods through an aggregation payment device, collection total times corresponding to the dividing periods are obtained, and collection prices corresponding to each time are obtained through the aggregation payment device; the aggregate payment device can be an aggregate payment receipt code or an aggregate payment code scanning device;
the application scene of the embodiment of the invention can be restaurants with different scales, and because of the asynchronous condition of ordering and paying time during the operation of part of restaurants, the embodiment of the invention needs to pay in advance after the default ordering, but not pay after meal, thereby improving the accuracy of the analysis of the accounting data; in addition, the aggregate payment comprises, but is not limited to, active code scanning or passive code scanning by the user through different payment modes, wherein the payment modes comprise WeChat payment, payment and Unionpay payment;
when the validity division is implemented on different time periods according to the aggregate payment behaviors of different users, the phase collection total price and the collection average price are obtained according to the corresponding collection total times and the collection prices corresponding to each time in the division time periods, and the validity of the corresponding division time periods is analyzed according to the phase collection total price;
if the total price of the stage collection is zero, judging that the corresponding divided time period is invalid and generating an invalid tag, and marking the corresponding divided time period as an invalid time period according to the invalid tag;
if the total price of the stage collection is not zero, judging that the corresponding divided time period is effective and generating an effective label, and marking the corresponding divided time period as an effective time period according to the effective label;
the ordered effective time periods, the corresponding collection total times, the collection price paid by aggregation each time, the stage collection total price and the collection average price form a collection monitoring set and are uploaded to the cloud platform.
According to the embodiment of the invention, the account data of the aggregate payment collection in a plurality of divided time periods are monitored and counted, so that the integral condition of the aggregate payment collection in the corresponding divided time periods can be intuitively and efficiently obtained, and reliable data support can be provided for integral condition analysis of follow-up aggregate payment collection supervision; the accuracy of the subsequent data analysis of the divided time period can be effectively improved by comparing and screening the total price of the stage collection in the divided time period.
The merchant collection monitoring analysis module is used for calculating corresponding collection data in different effective time periods of merchants according to the collection monitoring set, and carrying out busyness analysis and classification on the calculated results in different effective time periods to obtain a collection analysis set; comprising the following steps:
traversing the collection monitoring set to obtain a plurality of effective time periods, corresponding collection total times and stage collection total prices;
when calculating corresponding collection data in different effective time periods of a merchant, numbering a plurality of effective time periods in sequence, and marking the effective time periods as i, i= {1,2,3, … …, n }, wherein n is a positive integer;
and sequentially marking the numerical value of the total collection times corresponding to the effective time periods as SKi; the value of the total price of the stage collection corresponding to a plurality of effective time periods is marked as KZi; sequentially carrying out simultaneous calculation on the total collection times and the total collection prices of the stages marked corresponding to the effective time periods, and obtaining the busy coefficients of the stages corresponding to the effective time periods through formula calculationThe method comprises the steps of carrying out a first treatment on the surface of the Phase busy coefficient->The calculation formula of (2) is as follows:
wherein, g1 and g2 are constant coefficients larger than zero, g1 is larger than or equal to g2, g1 can take on a value of 1.683, and g2 can take on a value of 0.786; SK0 is the standard total collection times corresponding to the merchant effective period, KZ0 is the standard stage total collection price corresponding to the merchant effective period; the standard collection total times and the standard stage collection total price corresponding to the merchant effective period can be obtained according to the historical collection big data of the merchant;
it should be noted that, the phase busy coefficient is a value for integrating the account data of all aggregate payments and payouts in the effective period to integrally evaluate the busy condition of payouts;
when busy analysis and classification are carried out on different effective time periods, phase busy coefficients corresponding to the ordered effective time periods are matched with corresponding standard phase busy ranges in sequence; the busy range of the standard stage is obtained according to big data of restaurant management;
if the phase busy coefficient is smaller than the minimum value of the standard phase busy range, judging that the operation of the corresponding effective time period is slightly busy and generating a slightly busy signal, and marking the corresponding effective time period as a type of time period according to the slightly busy signal;
if the phase busy coefficient is not smaller than the minimum value of the standard phase busy range and not larger than the maximum value of the standard phase busy range, judging that the operation of the corresponding effective time period is moderately busy and generating a moderately busy signal, and marking the corresponding effective time period as a second-class time period according to the moderately busy signal;
if the phase busy coefficient is larger than the maximum value of the standard phase busy range, judging that the operation of the corresponding effective time period is heavily busy and generating a heavily busy signal, and marking the corresponding effective time period as three types of time periods according to the heavily busy signal;
the light busy signal corresponding to the phase busy coefficient and the first period, the medium busy signal and the second period or the heavy busy signal and the third period form phase collection analysis data corresponding to the effective period;
the collection analysis data of the stages corresponding to the effective time periods are arranged and combined in time sequence to obtain a collection analysis set, and the collection analysis set is uploaded to the cloud platform.
According to the embodiment of the invention, the corresponding stage busy coefficients are obtained by integrating the stage collection accounting data of the aggregate payment collection in a plurality of effective time periods, and the data analysis and classification are carried out according to the stage busy coefficients, so that the business busy conditions corresponding to different effective time periods can be intuitively and efficiently obtained, local data support can be provided for analysis of the whole business busy conditions corresponding to the subsequent aggregate payment collection, and the integral effect of the stage data analysis of the aggregate payment collection accounting is effectively improved.
The merchant collection stage evaluation module is used for evaluating the overall busy condition of the merchant aggregated collection on the current day according to the collection analysis set to obtain stage overall evaluation data corresponding to the merchant aggregated collection; comprising the following steps:
acquiring a collection analysis set corresponding to merchant aggregate collection, traversing, counting the total number of the first class period, the second class period and the third class period acquired by traversing, and marking the total number as a first class total number YZ, a second class total number EZ and a third class total number SZ respectively;
obtaining operation types corresponding to merchants, setting different operation types to correspond to different operation weights, matching the obtained operation types with all operation types prestored in a database to obtain corresponding operation weights, and marking the operation weights as JQ;
extracting the total number of one class, the total number of two classes, the total number of three classes and the numerical value of the corresponding operation weight of the mark, and obtaining the operation overall state coefficient corresponding to the current day of the merchant through formula calculationThe method comprises the steps of carrying out a first treatment on the surface of the Warp yarnYing integral state coefficient->The calculation formula of (2) is as follows:
wherein, j1 and j2 are constant coefficients larger than zero, and 2 x j1=j2, j1 can take on a value of 0.854, and j2 can take on a value of 1.708;
it should be noted that the overall business state coefficient is a numerical value for integrating the phase busy analysis data corresponding to different effective periods of the current day of the merchant to evaluate and classify the overall busy condition of the current day;
when the overall busy condition of the merchant aggregate collection on the same day is evaluated, the operation overall state coefficient is matched with the corresponding operation overall state table to obtain the corresponding operation overall state range and the corresponding operation overall state grade;
the business integral state table comprises a normal integral business range, an elementary integral business range, a medium integral business range and a high integral business range, and is respectively associated with a normal grade, an elementary grade, a medium grade and a high grade, wherein the business integral busy degree corresponding to each grade is sequentially increased, and the specific value of each business integral state range can be obtained according to the historical collection big data corresponding to the business type;
if the operation overall state grade obtained by matching is a normal grade or an elementary grade, generating a normal overall operation signal or an elementary overall operation signal; the general understanding of the method can be that the whole business state of the merchant is normal or slightly busy;
if the operation overall state grade obtained by matching is a medium grade, generating a medium overall operation signal and adding one to the total number of medium operations in which the medium grade appears; the method can be understood colloquially that the whole business state of the merchant is moderately busy;
if the operation overall state grade obtained by matching is a higher grade, generating a higher overall operation signal and adding one to the total number of higher operations appearing in the higher grade; the general understanding of the method can be that the whole business state of the merchant is highly busy;
the operation overall state coefficient and the corresponding normal overall operation signal or primary overall operation signal, medium overall operation signal or higher overall operation signal form the overall evaluation data of the corresponding stage of the current day operation, aggregation and collection of the commercial tenant and upload the overall evaluation data to the cloud platform.
According to the embodiment of the invention, the corresponding operation overall state coefficients are obtained by integrating the busy analysis data of the stages corresponding to different effective time periods of the current day of the merchant, the operation overall state corresponding to the current day of the merchant can be analyzed and classified according to the operation overall state coefficients, the operation overall state of the merchant can be intuitively and efficiently obtained, reliable data support can be provided for the implementation of the subsequent merchant aggregate payment supervision, and the overall effect of aggregate payment receipt and accounting data analysis can be effectively improved.
Example two
On the basis of the first embodiment, the method further comprises the following steps:
the stage evaluation and tracing verification module is used for tracking and tracing verification of the whole evaluation data of all stages in the evaluation period and dynamically prompting the business service state corresponding to the merchant aggregate collection according to the verification result; comprising the following steps:
traversing the whole evaluation data of all stages in an evaluation period and carrying out data statistics, wherein the unit of the evaluation period is a day, specifically can be 14 days, counting the total number of medium whole operation signals and high whole operation signals obtained by traversing and setting the total number as a first tracing total number and a second tracing total number respectively;
comparing and judging the first tracing total number and the second tracing total number with a corresponding first tracing threshold value and a corresponding second tracing threshold value respectively; the first tracing threshold and the second tracing threshold can be obtained through historical collection big data corresponding to collection average price of merchant operation and merchant operation type;
if the first tracing total number is larger than the first tracing threshold value and the second tracing total number is larger than the second tracing threshold value, judging that the continuity of the overall business service capability of the corresponding merchant aggregate collection is insufficient and generating a first tracing signal;
if the first tracing total number is larger than the first tracing threshold value or the second tracing total number is larger than the second tracing threshold value, judging that the overall business service capability of the corresponding merchant aggregate checkout is insufficient, and generating a second tracing signal;
if the first tracing total number is not greater than the first tracing threshold value and the second tracing total number is not greater than the second tracing threshold value, judging that the whole business service capability of the corresponding merchant aggregate collection is sufficient and generating a third tracing signal;
the first tracing signal, the second tracing signal or the third tracing signal form a verification result;
in the embodiment of the invention, the whole operation service capability analysis accuracy of the merchant aggregate collection can be effectively improved by tracing and checking the whole evaluation data of the merchant, the influence of accidental abnormal data on the data analysis can be eliminated, the whole operation service capability of the merchant can be intuitively and efficiently obtained through the checking result, reliable data support can be provided for the adjustment of the subsequent operation service state of the merchant, and the diversity of the operation account data analysis of the merchant is effectively improved.
Traversing the verification result when dynamically prompting the business service state corresponding to the merchant aggregate collection, and respectively generating prompts for increasing full-time service personnel, part-time personnel or service personnel without increasing according to the first tracing signal, the second tracing signal or the third tracing signal obtained by traversing;
and generating a prompt for adding the part-time staff, and simultaneously prompting to add part-time periods of all the second class periods and the third class periods corresponding to the part-time staff.
In the embodiment of the invention, the business service state of the merchant is dynamically prompted according to the verification result, so that the merchant can intuitively and efficiently acquire the whole business state so as to take reasonable measures in time to improve the business service capability; compared with the prior art, the method and the system for calculating and predicting busy conditions of different operation periods through manual experience and increasing personnel to reduce the occurrence of continuous busy conditions of operation, the embodiment of the invention can realize more efficient and comprehensive analysis and prompt effects of financial data, and realize expansion and excavation of corresponding financial data analysis of commercial tenant aggregate collection operation;
it is worth noting that the dynamic prompt of the business service state in the embodiment of the invention only provides the effect of auxiliary suggestion, can provide effective suggestion and prompt for merchants with busy business overall state and need to add service personnel, and can not adopt the suggestion and prompt based on the business cost consideration;
in addition, the formulas related in the above description are all formulas with dimensions removed and numerical values calculated, and are a formula which is obtained by acquiring a large amount of data and performing software simulation to obtain the closest actual situation, and the proportionality coefficient in the formulas and each preset threshold value in the analysis process are set by a person skilled in the art according to the actual situation or are obtained by simulating a large amount of data.
In the several embodiments provided by the present invention, it should be understood that the disclosed system may be implemented in other ways. For example, the above-described embodiments of the invention are merely illustrative, and for example, the division of modules is merely a logical function division, and other manners of division may be implemented in practice.
The modules illustrated as separate components may or may not be physically separate, and components shown as modules may or may not be physical modules, i.e., may be located in one place, or may be distributed over a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module. The integrated modules may be implemented in hardware or in hardware plus software functional modules.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the essential characteristics thereof.
Finally, it should be noted that the above-mentioned embodiments are merely for illustrating the technical solution of the present invention and not for limiting the same, and although the present invention has been described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications and equivalents may be made to the technical solution of the present invention without departing from the spirit and scope of the technical solution of the present invention.
Claims (4)
1. The utility model provides an aggregate payment supervisory systems based on account data analysis, its characterized in that includes merchant collection monitoring statistics module for carry out real-time supervision statistics to the data that daily different period users paid through aggregate payment, and carry out validity division to different periods according to different users 'aggregate payment action, obtain the collection monitoring set that merchant aggregate payment corresponds, the collection monitoring set's acquisition step includes:
equally dividing the time length of each day into a plurality of equal parts according to a preset dividing period;
monitoring and data statistics are sequentially carried out on the aggregation collection conditions in a plurality of ordered dividing periods through an aggregation payment device, collection total times corresponding to the dividing periods are obtained, and collection prices corresponding to each time are obtained through the aggregation payment device;
when validity division is implemented on different time periods according to aggregation payment behaviors of different users, acquiring a phase collection total price and a collection average price according to corresponding collection total times and corresponding collection prices each time in the division time periods, analyzing the validity of the corresponding division time periods according to the phase collection total price, judging that the corresponding division time periods are invalid and generating invalid labels if the phase collection total price is zero, and marking the corresponding division time periods as invalid time periods according to the invalid labels;
if the total price of the stage collection is not zero, judging that the corresponding divided time period is effective and generating an effective label, and marking the corresponding divided time period as an effective time period according to the effective label;
the ordered effective time periods, the corresponding collection total times, the collection price paid by aggregation each time, the stage collection total price and the collection average price form a collection monitoring set and are uploaded to the cloud platform;
the merchant collection monitoring analysis module is used for calculating corresponding collection data in different effective time periods of merchants according to the collection monitoring set, and carrying out busyness analysis and classification on the calculated results in different effective time periods to obtain a collection analysis set; comprising the following steps:
traversing the collection monitoring set to obtain a plurality of effective time periods, corresponding collection total times and stage collection total prices;
when calculating corresponding collection data in different effective time periods of a merchant, numbering a plurality of effective time periods in sequence, and marking the effective time periods as i, i= {1,2,3, … …, n }, wherein n is a positive integer;
and sequentially marking the numerical value of the total collection times corresponding to the effective time periods as SKi; the value of the total price of the stage collection corresponding to a plurality of effective time periods is marked as KZi; sequentially carrying out simultaneous calculation on the collection total times and the stage collection total prices of the marks corresponding to the effective time periods to obtain stage busy coefficients corresponding to the effective time periods, wherein the calculation formula of the stage busy coefficients is as follows:
in (1) the->For the busy coefficient of the stage, g1 and g2 are constant coefficients larger than zero, and g1 is more than or equal to g2; SK0 is the standard total collection times corresponding to the merchant effective period, KZ0 is the standard stage total collection price corresponding to the merchant effective period;
when busy analysis and classification are carried out on different effective time periods, phase busy coefficients corresponding to the ordered effective time periods are sequentially matched with corresponding standard phase busy ranges, and phase collection analysis data corresponding to the effective time periods including a light busy signal and a first-class time period, a medium busy signal and a second-class time period or a heavy busy signal and three-class time periods are obtained;
the collection analysis data of the stages corresponding to the effective time periods are arranged and combined in time sequence to obtain a collection analysis set and uploaded to the cloud platform;
the system comprises a merchant collection stage evaluation module, a stage evaluation and tracing verification module and a business service state judgment module, wherein the merchant collection stage evaluation module is used for evaluating the overall busy condition of the merchant aggregated collection on the same day according to a collection analysis set to obtain stage overall evaluation data corresponding to the merchant aggregated collection;
traversing the whole evaluation data of all stages in the evaluation period, carrying out data statistics, and counting the total number of the medium whole operation signal and the higher whole operation signal obtained by traversing and setting the total number as a first tracing total number and a second tracing total number respectively; comparing and judging the first tracing total number and the second tracing total number with a corresponding first tracing threshold value and a corresponding second tracing threshold value respectively;
if the first tracing total number is larger than the first tracing threshold value and the second tracing total number is larger than the second tracing threshold value, generating a first tracing signal; if the first tracing total number is larger than the first tracing threshold value or the second tracing total number is larger than the second tracing threshold value, generating a second tracing signal; if the first tracing total number is not greater than the first tracing threshold value and the second tracing total number is not greater than the second tracing threshold value, generating a third tracing signal;
the first tracing signal, the second tracing signal or the third tracing signal form a verification result; traversing the verification result when dynamically prompting the business service state corresponding to the merchant aggregate collection, and respectively generating prompts for increasing full-time service personnel, part-time personnel or service personnel without increasing according to the first tracing signal, the second tracing signal or the third tracing signal obtained by traversing;
and generating a prompt for adding the part-time personnel, and prompting all the class-II time periods and the class-III time periods corresponding to the part-time personnel.
2. The aggregated payment supervisory system based on accounting data analysis of claim 1, wherein the operation of the merchant checkout stage evaluation module comprises:
acquiring a collection analysis set corresponding to merchant aggregate collection, traversing, counting the total number of the first class period, the second class period and the third class period acquired by traversing, and marking the total number as a first class total number YZ, a second class total number EZ and a third class total number SZ respectively;
obtaining operation types corresponding to merchants, setting different operation types to correspond to different operation weights, matching the obtained operation types with all operation types prestored in a database to obtain corresponding operation weights, and marking the operation weights as JQ;
extracting the total number of one class, the total number of two classes and the total number of three classes of marks and parallelly calculating the numerical values of the corresponding operation weights to obtain the operation overall state coefficients corresponding to the current day of the commercial tenant;
when the overall busy condition of the merchant aggregate collection on the same day is evaluated, the operation overall state coefficient is matched with the corresponding operation overall state table to obtain the corresponding operation overall state range and the corresponding operation overall state grade;
the operation overall state coefficient and the corresponding normal overall operation signal or primary overall operation signal, medium overall operation signal or higher overall operation signal form the overall evaluation data of the corresponding stage of the current day operation, aggregation and collection of the commercial tenant and upload the overall evaluation data to the cloud platform.
3. The aggregate payment supervisory system based on accounting data analysis according to claim 2, wherein the calculation formula of the operational overall state coefficient is:
in (1) the->For operating the overall state coefficient, j1, j2 are both greater than zeroConstant coefficient and 2 x j1=j2.
4. The aggregate payment supervisory system according to claim 2, wherein the operation overall status table comprises a normal overall operation range, an elementary overall operation range, a medium overall operation range, and a high overall operation range, and is associated with a normal level, an elementary level, a medium level, and a high level, respectively, and the operation overall busy level corresponding to each level is sequentially increased.
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