CN117273749A - Transaction management method and system based on intelligent interaction - Google Patents
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Abstract
The invention discloses a transaction management method and a system based on intelligent interaction, which belong to the field of data processing systems for management.
Description
Technical Field
The invention belongs to the technical field of data processing systems for management, and particularly relates to a transaction management method and system based on intelligent interaction.
Background
In the prior art, in the process of selling commodities, online virtual currency payment is usually carried out in a mode of scanning two-dimension codes by WeChat/Payment treasures, but in the process of scanning codes, the situation that some personnel deliberately or inappropriately cause transfer amount errors, so that property damage of buyers or sellers is caused, the prior art cannot accurately monitor the transaction process according to collected data of both transaction parties, and the problems exist in the prior art;
Blockchain-based transaction management systems and methods are disclosed, for example, in chinese patent publication number CN107464112B, wherein a biller, in response to receiving a subchain generation message from an authority, generates a first block of a subchain indicated by a subchain number in the message, and credits the subchain generation message to a blockchain indicated by a parent chain number in the message; the biller generates a message in response to receiving a message from the user's child account, establishes a child account for the designated parent account on a designated child chain in the message, and the user can conduct transactions on his child chain through the child account. Thus, by establishing sub-chains which are logically independent of the main block chain and accounts on different sub-chains to conduct transactions respectively and simultaneously, the overall operation efficiency of the block chain is improved. In addition, the transaction double-side can select to generate sub-accounts on sub-chains with lower transaction amount or fewer blocks, and the payer transfers funds to the sub-chains in advance, so that the effective time of the transaction is obviously improved, and the transaction speed is increased;
meanwhile, for example, in chinese patent with application publication number CN116777572a, an electronic commerce transaction management system based on big data and a method thereof are disclosed, which acquire user transaction records and user social media data of an analyzed user object through information acquisition software; performing joint analysis on the user transaction records and the user social media data to obtain user transaction-social media interaction semantic feature vectors; and determining a theme of the recommended product based on the user transaction-social media interaction semantic feature vector. In this way, the multi-dimensional and dynamically changing requirements of the user can be reflected to make personalized recommendations.
The problems proposed in the background art exist in the above patents: in the prior art, in the process of selling commodities, online virtual currency payment is usually carried out in real life in a mode of scanning two-dimension codes through WeChat/payment treasures, but in the process of scanning codes, the situation that account transfer amount errors are caused by intention or unnoticed of some personnel often occurs, so that property damage of buyers or sellers is caused, the prior art cannot accurately monitor the transaction process according to collected data of transaction parties, and in order to solve the problems, the application designs a transaction management method and system based on intelligent interaction.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides a transaction management method and a system based on intelligent interaction, a requester requests a transaction through interaction equipment, acquires item information of the requester requesting the transaction, cleans the item information, extracts transaction data information related to the transaction request from the item information, acquires historical transaction information of both transaction sides, guides the historical transaction information of both transaction sides into a screening strategy based on the transaction data information related to the transaction request, screens the transaction data of the requester and the transaction data of the transaction opposite side preselected historical transaction data, extracts the transaction data information of the requester and the transaction data of the requester in the transaction data lead-in request abnormal value calculation strategy to calculate transaction data request abnormal values, extracts the transaction data request abnormal values and the transaction data lead-in abnormal value calculation strategy to calculate the overall transaction abnormal values, compares the obtained overall transaction abnormal values with a set transaction threshold value, if the obtained overall transaction data and the transaction data lead-in abnormal value are larger than the set transaction threshold value, and further confirms that the transaction data of both sides are in the transaction opposite side has the transaction opposite side preselected abnormal value calculation strategy to take place, and the transaction data lead-in the abnormal value calculation strategy is further amplified if the transaction data is larger than the set up abnormal value, and the transaction data is more accurately monitored in the transaction device is in the transaction opposite side to take place, and the property damage of both transaction sides is avoided.
In order to achieve the above purpose, the present invention provides the following technical solutions:
a transaction management method based on intelligent interaction comprises the following specific steps:
s1, a requester requests a transaction through interaction equipment, acquires project information of the requester requesting the transaction, cleans the project information, extracts transaction data information related to the transaction request from the project information, and acquires historical transaction information of both transaction parties;
s2, based on transaction data information related to the transaction request, importing historical transaction information of both transaction parties into a screening strategy to screen and acquire preselected historical transaction data of a requesting party and preselected historical transaction data of the transaction party;
s3, extracting transaction data information of the requester and a request party preselected historical transaction data import request abnormal value calculation strategy to calculate a transaction data request abnormal value;
s4, extracting transaction data information of the applicant and preselected historical transaction data of a transaction counterpart, importing the transaction data information and the preselected historical transaction data into an abnormal value receiving calculation strategy, and calculating abnormal values of the transaction data;
s5, extracting the calculated transaction data request abnormal value and the transaction data receiving abnormal value, importing the obtained transaction data request abnormal value and the transaction data receiving abnormal value into a global transaction value calculation strategy, calculating a global transaction abnormal value, comparing the obtained global transaction abnormal value with a set transaction abnormal threshold, performing S6 if the obtained global transaction abnormal value is greater than or equal to the set transaction abnormal threshold, and directly performing transaction if the obtained global transaction abnormal value is smaller than the set transaction abnormal threshold;
And S6, the interaction equipment feeds back a transaction abnormal alarm to the transaction requester, and the transaction data are amplified and displayed on the interaction equipment for the transaction requester to select and confirm.
Specifically, the step S1 includes the following specific steps:
s11, a requester requests a transaction through an interaction device, item information of the transaction of the requester is obtained through the interaction device, transaction data information related to the transaction request in the item information is extracted after the item information is cleaned, wherein the transaction data information comprises account names, transaction types and transaction amount data of transaction partners, the names of the transaction partners are obtained for obtaining historical transaction information of the transaction partners, for example, the names of the transaction partners are displayed on a transaction page through payment of a treasured code, privacy is not involved, the transaction types are item type transaction classified according to items, for example, the transaction types are daily necessities transaction when paper is purchased, the transaction types are drug transaction when medicines are purchased, and the transaction amount data is transaction amount requested by the requester;
s12, extracting transaction type data in the project information according to transaction accounts of the requester and the transaction counterpart, and acquiring transaction amount data of the requester and the transaction counterpart in the same transaction type, wherein the transaction amount data of the requester and the transaction counterpart in the same transaction type are only calculated and used in the system, cannot be acquired by the outside, and cannot have the problem of privacy leakage.
Specifically, the screening policy in S2 includes the following specific contents:
s21, acquiring transaction amount data of the same transaction category of the histories of the requesters, and calculating the average value of the transaction amount data of the same transaction category of the histories of the requesters, wherein the calculation formula is as follows:wherein->For the requester to history the ith transaction amount data of the same transaction category,/for the requester>The total number of transaction amount data of the same transaction category is historic, i is 1 to +.>Substituting the average value of the transaction amount data of the same transaction category of the history of the applicant and the transaction amount data of the same transaction category of the history of the applicant into a transaction amount abnormal value formula to calculate the abnormal value of each transaction amount data, wherein the ith transaction amount abnormal value formula of the transaction amount data of the same transaction category of the history of the applicant is as follows: />Comparing the transaction amount abnormal value with a transaction abnormal threshold, and extracting transaction amount data of the same transaction category of the requester history corresponding to the transaction amount abnormal value of which the transaction amount abnormal value is smaller than or equal to a set first transaction amount abnormal threshold to obtain preselected historical transaction data of the requester;
s22, extracting transaction amount data of the transaction counterpart in the same transaction category, acquiring transaction average amount data of the same transaction category by corresponding personnel according to corresponding personnel of the transaction amount data of the transaction counterpart in the same transaction category, substituting the average value of the transaction average amount data of the same transaction category by the corresponding personnel and the transaction amount data of the applicant in the same transaction category into a corresponding personnel difference value calculation formula to calculate a corresponding personnel difference value, wherein the j-th corresponding personnel difference value calculation formula is as follows: Wherein->And carrying out transaction average amount data of the same transaction category for the jth corresponding person, and setting transaction amount data of the same transaction category of the corresponding person with the corresponding person difference value smaller than or equal to the set second transaction amount abnormal threshold value as transaction counterpart preselection historical transaction data.
It should be noted that, the values of the first transaction amount abnormal threshold and the second transaction amount abnormal threshold are all the best solutions of the first transaction amount abnormal threshold and the second transaction amount abnormal threshold by collecting 5000 groups of transaction amount data of the same transaction category of histories of the requester and the transaction counterpart, manually selecting transaction amount data which does not accord with the transaction rule, and importing fitting software to perform continuous iteration.
Specifically, the specific steps of the request outlier calculation policy in S3 are as follows:
s31, extracting the preselected historical transaction data of the requesting party, substituting the preselected historical transaction data of the requesting party into a calculation formula of the preselected historical transaction average value of the requesting party to calculate the preselected historical transaction average value of the requesting party, wherein the preselected historical transaction average value of the requesting party is as follows:，/>preselecting the S-th data in the historical transaction data for the requesting party, wherein S is the total data number in the historical transaction data preselected by the requesting party, and S is any one of 1 to S;
S32, importing the preselected historical transaction average value of the requester and the transaction data information of the requester into a transaction data request abnormal value calculation formula to calculate a request abnormal value, wherein the transaction data request abnormal value calculation formula is as follows:wherein->Payment amount information is paid for the applicant's transaction.
Specifically, the specific steps of accepting the outlier calculation policy in S4 are as follows:
s41, extracting transaction opposite side preselected historical transaction data, substituting the transaction opposite side preselected historical transaction average value calculation formula to calculate a transaction opposite side preselected historical transaction average value, wherein the transaction opposite side preselected historical transaction average value calculation formula is as follows:wherein Q is the number of transaction opponents preselect historical transaction data,/in the transaction opponents>Preselecting the Q-th historical transaction data for the transaction counterpart, wherein Q is any one of 1 to Q;
s42, importing the transaction counter preselected historical transaction average value and the transaction payment amount information of the applicant into an abnormal value receiving calculation formula to calculate a transaction data abnormal value, wherein the transaction data abnormal value receiving calculation formula is as follows:。
specifically, the overall transaction outlier calculation strategy comprises the following specific steps:
s51, extracting the calculated transaction data request abnormal value and the transaction data receiving abnormal value, and importing the abnormal value into a whole transaction abnormal value calculation formula to calculate the whole transaction abnormal value, wherein the whole transaction abnormal value calculation formula is as follows: Wherein->Requesting an outlier duty cycle for transaction data, +.>Accepting an outlier duty cycle for the transaction data, wherein +.>；
S52, comparing the obtained overall transaction abnormal value with a set transaction abnormal threshold, if the obtained overall transaction abnormal value is greater than or equal to the set transaction abnormal threshold, performing S6, and if the obtained overall transaction abnormal value is less than the set transaction abnormal threshold, directly performing the transaction.
Here, it is to be noted that, here、/>The value of the transaction abnormality threshold value is extracted to extract 5000 groups of historical transaction numbersCalculating the abnormal value of the whole transaction according to the substituted formula, finding out the payment error data from the abnormal value, and importing the obtained data into fitting software to obtain the +.>、/>And an optimal value for a transaction anomaly threshold.
The transaction management system based on intelligent interaction is realized based on the transaction management method based on intelligent interaction, and comprises a transaction request module, a data acquisition module, a screening module, a transaction data request abnormal value calculation module, a transaction data acceptance abnormal value calculation module, an overall transaction abnormal value calculation module, a comparison module, an interaction feedback module and a control module, wherein the transaction request module is used for requesting a transaction by a requester through interaction equipment, the data acquisition module is used for cleaning the project information, extracting transaction data information related to the transaction request from the project information, and simultaneously acquiring historical transaction information of both transaction parties, the screening module is used for guiding the historical transaction information of both transaction parties into a screening strategy based on the transaction data information related to the transaction request to screen and acquire the preselected historical transaction data of the requester and the preselected historical transaction data of the transaction party, and the transaction data request abnormal value calculation module is used for extracting the transaction data information of the requester and the preselected transaction data of the requester to guide the requester into the request abnormal value calculation strategy to calculate the transaction data request abnormal value.
Specifically, the transaction data receiving outlier calculating module is used for extracting transaction data information of a requester and importing transaction data of a transaction opposite side preselected historical transaction data into an outlier calculating strategy to calculate transaction data receiving outliers, the overall transaction outlier calculating module is used for extracting transaction data request outliers obtained through calculation and importing the transaction data receiving outliers into the overall transaction outlier calculating strategy to calculate overall transaction outliers, the interaction feedback module is used for comparing the obtained overall transaction outliers with a set transaction outlier threshold value, the interaction feedback module is used for feeding back transaction outlier alarms to the transaction requester through interaction equipment and displaying digits of amplified transaction data on the interaction equipment for selection and confirmation of the transaction requester, and the control module is used for controlling operation of the transaction request module, the data acquisition module, the screening module, the transaction data request outlier calculating module, the transaction data receiving outlier calculating module, the overall transaction outlier calculating module, the comparison module and the interaction feedback module.
An electronic device, comprising: a processor and a memory, wherein the memory stores a computer program for the processor to call;
The processor executes a transaction management method based on intelligent interaction by calling a computer program stored in the memory.
A computer readable storage medium storing instructions that when executed on a computer cause the computer to perform a transaction management method based on intelligent interactions as described above.
Compared with the prior art, the invention has the beneficial effects that:
the method comprises the steps of requesting a transaction by a requester, obtaining project information of the requester requesting the transaction, cleaning the project information, extracting transaction data information related to the transaction request from the project information, obtaining historical transaction information of both transaction sides, importing the historical transaction information of both transaction sides into a screening strategy based on the transaction data information related to the transaction request, screening and obtaining historical transaction data of the requester and historical transaction data of the transaction opposite side, extracting the transaction data information of the requester and the historical transaction data of the requester, importing the transaction data of the requester into a request outlier calculation strategy, conducting calculation of transaction data receiving outlier in the transaction data importing receiving outlier calculation strategy, extracting the obtained transaction data request outlier and the transaction data receiving outlier of the transaction sides into the overall transaction outlier calculation strategy, comparing the obtained overall transaction outlier with a set transaction outlier threshold, conducting interaction equipment to the transaction request side if the obtained overall transaction outlier is larger than or equal to the set transaction outlier threshold, conducting calculation of the transaction data receiving outlier in the transaction data receiving strategy, and avoiding the situation that the transaction data of both sides are directly lost after the transaction is set, and the transaction threshold value is further confirmed if the transaction value is smaller than the set, and the transaction value is directly monitored and the transaction value is not lost.
Drawings
FIG. 1 is a schematic flow chart of a transaction management method based on intelligent interaction;
FIG. 2 is a schematic diagram of an overall framework of a transaction management system based on intelligent interaction 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.
Example 1
Referring to fig. 1, an embodiment of the present invention is provided: a transaction management method based on intelligent interaction comprises the following specific steps:
s1, a requester requests a transaction through interaction equipment, acquires project information of the requester requesting the transaction, cleans the project information, extracts transaction data information related to the transaction request from the project information, and acquires historical transaction information of both transaction parties;
in this embodiment, S1 includes the following specific steps:
s11, a requester requests a transaction through an interaction device, item information of the transaction of the requester is obtained through the interaction device, transaction data information related to the transaction request in the item information is extracted after the item information is cleaned, wherein the transaction data information comprises account names, transaction types and transaction amount data of transaction partners, the names of the transaction partners are obtained for obtaining historical transaction information of the transaction partners, for example, the names of the transaction partners are displayed on a transaction page through payment of a treasured code, privacy is not involved, the transaction types are item type transaction classified according to items, for example, the transaction types are daily necessities transaction when paper is purchased, the transaction types are drug transaction when medicines are purchased, and the transaction amount data is transaction amount requested by the requester;
Here implemented by example code:
#include <stdio.h>
#include <string.h>
structure for defining transaction information
struct Transaction {
char accountName[50];
char tradeType[20];
float tradeAmount;
};
int main() {
Obtaining item information of a requestor transaction via an interactive device
char input[100];
printf ("please enter transaction information (format: account name-transaction category-transaction amount):);
fgets(input, sizeof(input), stdin);
information for/initializing transactions
struct Transaction transaction;
Account name, transaction category, and transaction amount data of transaction counterpart in the information of the item/wash extraction
char *token = strtok(input, "-");
strcpy(transaction.accountName, token);
token = strtok(NULL, "-");
strcpy(transaction.tradeType, token);
token = strtok(NULL, "-");
transaction.tradeAmount = atof(token);
Output transaction information
printf ("transaction partner account name:% s)
", transaction.accountName);
printf ("transaction category:% s)
", transaction.tradeType);
printf ("transaction amount:%. 2f)
", transaction.tradeAmount);
Processing transaction data information associated with a transaction request
return 0;
}
S12, extracting transaction type data in project information according to transaction accounts of a requester and a transaction counterpart, and acquiring transaction amount data of the same transaction type of histories of the requester and the transaction counterpart, wherein the transaction amount data of the same transaction type of histories is only calculated and used in a system and cannot be acquired by the outside, and the privacy leakage problem does not exist;
s2, based on transaction data information related to the transaction request, importing historical transaction information of both transaction parties into a screening strategy to screen and acquire preselected historical transaction data of a requesting party and preselected historical transaction data of the transaction party;
In this embodiment, the screening policy in S2 includes the following specific contents:
s21, acquiring transaction amount data of the same transaction category of the histories of the requesters, and calculating the average value of the transaction amount data of the same transaction category of the histories of the requesters, wherein the calculation formula is as follows:wherein->For the requester to history the ith transaction amount data of the same transaction category,/for the requester>For the total number of transaction amount data of the same transaction category, i is 1 to +.>Any one of the request person history identical exchangesSubstituting the average value of the transaction amount data of the easy category and the transaction amount data of the same transaction category of the history of the requester into a transaction amount abnormal value formula to calculate the abnormal value of each transaction amount data, wherein the ith transaction amount abnormal value formula of the transaction amount data of the same transaction category of the history of the requester is as follows: />Comparing the transaction amount abnormal value with a transaction abnormal threshold, and extracting transaction amount data of the same transaction category of the requester history corresponding to the transaction amount abnormal value of which the transaction amount abnormal value is smaller than or equal to a set first transaction amount abnormal threshold to obtain preselected historical transaction data of the requester;
s22, extracting transaction amount data of the transaction counterpart in the same transaction category, acquiring transaction average amount data of the same transaction category by corresponding personnel according to corresponding personnel of the transaction amount data of the transaction counterpart in the same transaction category, substituting the average value of the transaction average amount data of the same transaction category by the corresponding personnel and the transaction amount data of the applicant in the same transaction category into a corresponding personnel difference value calculation formula to calculate a corresponding personnel difference value, wherein the j-th corresponding personnel difference value calculation formula is as follows: Wherein->Carrying out transaction average amount data of the same transaction category for the jth corresponding person, and setting transaction amount data of the same transaction category of the corresponding person with the difference value of the corresponding person smaller than or equal to the set second transaction amount abnormal threshold value as transaction opposite side preselected historical transaction data;
it should be noted that, the values of the first transaction amount abnormal threshold and the second transaction amount abnormal threshold are all the best solutions of the first transaction amount abnormal threshold and the second transaction amount abnormal threshold by collecting 5000 groups of transaction amount data of the same transaction category of histories of requesters and transaction opponents, manually selecting transaction amount data which does not accord with a transaction rule, importing fitting software, and performing continuous iteration;
s3, extracting transaction data information of the requester and a request party preselected historical transaction data import request abnormal value calculation strategy to calculate a transaction data request abnormal value;
in this embodiment, the specific steps of the request outlier calculation policy in S3 are as follows:
s31, extracting the preselected historical transaction data of the requesting party, substituting the preselected historical transaction data of the requesting party into a calculation formula of the preselected historical transaction average value of the requesting party to calculate the preselected historical transaction average value of the requesting party, wherein the preselected historical transaction average value of the requesting party is as follows: ，/>Preselecting the S-th data in the historical transaction data for the requesting party, wherein S is the total data number in the historical transaction data preselected by the requesting party, and S is any one of 1 to S;
s32, importing the preselected historical transaction average value of the requester and the transaction data information of the requester into a transaction data request abnormal value calculation formula to calculate a request abnormal value, wherein the transaction data request abnormal value calculation formula is as follows:wherein->Paying money information for the transaction of the requestor;
s4, extracting transaction data information of the applicant and preselected historical transaction data of a transaction counterpart, importing the transaction data information and the preselected historical transaction data into an abnormal value receiving calculation strategy, and calculating abnormal values of the transaction data;
in this embodiment, the specific steps of accepting the outlier calculation policy in S4 are:
s41, extracting historical transaction data of the transaction opposite side preselection, substituting the historical transaction data into a historical transaction average value calculation formula of the transaction opposite side preselection to calculate the historical transaction average value of the transaction opposite side preselection, and calculating the historical transaction average value of the transaction opposite side preselectionThe formula is:wherein Q is the number of transaction opponents preselect historical transaction data,/in the transaction opponents>Preselecting the Q-th historical transaction data for the transaction counterpart, wherein Q is any one of 1 to Q;
s42, importing the transaction counter preselected historical transaction average value and the transaction payment amount information of the applicant into an abnormal value receiving calculation formula to calculate a transaction data abnormal value, wherein the transaction data abnormal value receiving calculation formula is as follows: ；
S5, extracting the calculated transaction data request abnormal value and the transaction data receiving abnormal value, importing the obtained transaction data request abnormal value and the transaction data receiving abnormal value into a global transaction value calculation strategy, calculating a global transaction abnormal value, comparing the obtained global transaction abnormal value with a set transaction abnormal threshold, performing S6 if the obtained global transaction abnormal value is greater than or equal to the set transaction abnormal threshold, and directly performing transaction if the obtained global transaction abnormal value is smaller than the set transaction abnormal threshold;
in this embodiment, the overall transaction outlier calculation strategy includes the following specific steps:
s51, extracting the calculated transaction data request abnormal value and the transaction data receiving abnormal value, and importing the abnormal value into a whole transaction abnormal value calculation formula to calculate the whole transaction abnormal value, wherein the whole transaction abnormal value calculation formula is as follows:wherein->Requesting an outlier duty cycle for transaction data, +.>Accepting an outlier duty cycle for the transaction data, wherein +.>；
S52, comparing the obtained overall transaction abnormal value with a set transaction abnormal threshold, if the obtained overall transaction abnormal value is greater than or equal to the set transaction abnormal threshold, performing S6, and if the obtained overall transaction abnormal value is less than the set transaction abnormal threshold, directly performing the transaction.
Here, it is to be noted that, here、/>Extracting 5000 groups of historical transaction data to be substituted into a formula to calculate overall transaction abnormal values, finding out payment error data from the overall transaction abnormal values, and importing the obtained data into fitting software to obtain the +_part conforming to accuracy>、/>And an optimal value of a transaction anomaly threshold;
and S6, the interaction equipment feeds back a transaction abnormal alarm to the transaction requester, and the transaction data are amplified and displayed on the interaction equipment for the transaction requester to select and confirm.
The method comprises the steps of requesting a transaction by a requester, obtaining project information of the requester requesting the transaction, cleaning the project information, extracting transaction data information related to the transaction request from the project information, obtaining historical transaction information of both transaction sides, importing the historical transaction information of both transaction sides into a screening strategy based on the transaction data information related to the transaction request, screening and obtaining historical transaction data of the requester and historical transaction data of the transaction opposite side, extracting the transaction data information of the requester and the historical transaction data of the requester, importing the transaction data of the requester into a request outlier calculation strategy, conducting calculation of transaction data receiving outlier in the transaction data importing receiving outlier calculation strategy, extracting the obtained transaction data request outlier and the transaction data receiving outlier of the transaction sides into the overall transaction outlier calculation strategy, comparing the obtained overall transaction outlier with a set transaction outlier threshold, conducting interaction equipment to the transaction request side if the obtained overall transaction outlier is larger than or equal to the set transaction outlier threshold, conducting calculation of the transaction data receiving outlier in the transaction data receiving strategy, and avoiding the situation that the transaction data of both sides are directly lost after the transaction is set, and the transaction threshold value is further confirmed if the transaction value is smaller than the set, and the transaction value is directly monitored and the transaction value is not lost.
Example 2
As shown in fig. 2, a transaction management system based on intelligent interaction is implemented based on the transaction management method based on intelligent interaction, which comprises a transaction request module, a data acquisition module, a screening module, a transaction data request abnormal value calculation module, a transaction data acceptance abnormal value calculation module, an overall transaction abnormal value calculation module, a comparison module, an interaction feedback module and a control module, wherein the transaction request module is used for requesting a transaction by a requester through interaction equipment to acquire project information of the requester for transaction, the data acquisition module is used for cleaning the project information to extract transaction data information related to the transaction request from the project information, and simultaneously acquiring historical transaction information of both transaction parties, the screening module is used for importing the historical transaction information of both transaction parties into a screening strategy to acquire preselected historical transaction data of the requester and preselected historical transaction data of the transaction party, and the transaction data request abnormal value calculation module is used for extracting the transaction data information of the requester and importing the historical transaction data of the requester into the request abnormal value calculation strategy to calculate the transaction data request abnormal value.
In this embodiment, the transaction data receiving outlier calculating module is configured to extract transaction data information of a requestor and transaction data preselected historical transaction data of a transaction counterpart, import the transaction data receiving outlier into the transaction data receiving outlier calculating policy, calculate an overall transaction data receiving outlier, extract a transaction data request outlier obtained by calculation and import the transaction data receiving outlier into the overall transaction value calculating policy, calculate an overall transaction outlier, and compare the obtained overall transaction outlier with a set transaction outlier threshold, the interaction feedback module is configured to feedback a transaction anomaly alarm to the transaction requester by the interaction device, and amplify the transaction data, and display each digit on the interaction device for the transaction requester to select and confirm, where the control module is configured to control operations of the transaction request module, the data acquisition module, the screening module, the transaction data request outlier calculating module, the transaction data receiving outlier calculating module, the overall transaction outlier calculating module, the comparison module, and the interaction feedback module.
Example 3
The present embodiment provides an electronic device including: a processor and a memory, wherein the memory stores a computer program for the processor to call;
The processor performs a transaction management method based on intelligent interactions as described above by invoking a computer program stored in the memory.
The electronic device may vary greatly in configuration or performance, and can include one or more processors (Central Processing Units, CPU) and one or more memories, where the memories store at least one computer program that is loaded and executed by the processors to implement a transaction management method based on intelligent interaction provided by the above-described method embodiments. The electronic device can also include other components for implementing the functions of the device, for example, the electronic device can also have wired or wireless network interfaces, input-output interfaces, and the like, for inputting and outputting data. The present embodiment is not described herein.
Example 4
The present embodiment proposes a computer-readable storage medium having stored thereon an erasable computer program;
the computer program, when executed on a computer device, causes the computer device to perform a transaction management method based on intelligent interaction as described above.
For example, the computer readable storage medium can be Read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), compact disk Read-Only Memory (Compact Disc Read-Only Memory, CD-ROM), magnetic tape, floppy disk, optical data storage device, etc.
It should be understood that, in various embodiments of the present application, the sequence numbers of the foregoing processes do not mean the order of execution, and the order of execution of the processes should be determined by the functions and internal logic thereof, and should not constitute any limitation on the implementation process of the embodiments of the present application.
It should be understood that determining B from a does not mean determining B from a alone, but can also determine B from a and/or other information.
The above embodiments may be implemented in whole or in part by software, hardware, firmware, or any other combination. When implemented in software, the above-described embodiments may be implemented in whole or in part in the form of a computer program product. The computer program product comprises one or more computer instructions or computer programs. When the computer instructions or computer program are loaded or executed on a computer, the processes or functions in accordance with embodiments of the present invention are produced in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, or other programmable apparatus. The computer instructions may be stored in or transmitted from one computer-readable storage medium to another, for example, by way of wired or/and wireless networks from one website site, computer, server, or data center to another. Computer readable storage media can be any available media that can be accessed by a computer or data storage devices, such as servers, data centers, etc. that contain one or more collections of available media. The usable medium may be a magnetic medium (e.g., floppy disk, hard disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium. The semiconductor medium may be a solid state disk.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described systems, apparatuses and units may refer to corresponding procedures in the foregoing method embodiments, and are not repeated herein.
In the several embodiments provided by the present invention, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the partitioning of units is merely one way of partitioning, and there may be additional ways of partitioning in actual implementation, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed over a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit.
In the description of the present specification, the descriptions of the terms "one embodiment," "example," "specific example," and the like, mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The preferred embodiments of the invention disclosed above are intended only to assist in the explanation of the invention. The preferred embodiments are not intended to be exhaustive or to limit the invention to the precise form disclosed. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the invention and the practical application, to thereby enable others skilled in the art to best understand and utilize the invention. The invention is limited only by the claims and the full scope and equivalents thereof.
Claims (10)
1. The transaction management method based on intelligent interaction is characterized by comprising the following specific steps of:
s1, a requester requests a transaction through interaction equipment, acquires project information of the requester requesting the transaction, cleans the project information, extracts transaction data information related to the transaction request from the project information, and acquires historical transaction information of both transaction parties;
s2, based on transaction data information related to the transaction request, importing historical transaction information of both transaction parties into a screening strategy to screen and acquire preselected historical transaction data of a requesting party and preselected historical transaction data of the transaction party;
S3, extracting transaction data information of the requester and a request party preselected historical transaction data import request abnormal value calculation strategy to calculate a transaction data request abnormal value;
s4, extracting transaction data information of the applicant and preselected historical transaction data of a transaction counterpart, importing the transaction data information and the preselected historical transaction data into an abnormal value receiving calculation strategy, and calculating abnormal values of the transaction data;
s5, extracting the calculated transaction data request abnormal value and the transaction data receiving abnormal value, importing the obtained transaction data request abnormal value and the transaction data receiving abnormal value into a global transaction value calculation strategy, calculating a global transaction abnormal value, comparing the obtained global transaction abnormal value with a set transaction abnormal threshold, performing S6 if the obtained global transaction abnormal value is greater than or equal to the set transaction abnormal threshold, and directly performing transaction if the obtained global transaction abnormal value is smaller than the set transaction abnormal threshold;
and S6, the interaction equipment feeds back a transaction abnormal alarm to the transaction requester, and the transaction data are amplified and displayed on the interaction equipment for the transaction requester to select and confirm.
2. The transaction management method based on intelligent interaction according to claim 1, wherein S1 comprises the following specific steps:
s11, a requester requests a transaction through an interactive device, item information of the transaction of the requester is obtained through the interactive device, and transaction data information related to the transaction request in the item information is extracted after the item information is cleaned, wherein the transaction data information comprises account names, transaction types and transaction amount data of transaction partners;
S12, extracting transaction type data in the project information according to transaction accounts of the requester and the transaction counterpart, and acquiring transaction amount data of the requester and the transaction counterpart in the same transaction type.
3. The transaction management method based on intelligent interaction as claimed in claim 2, wherein the screening policy in S2 includes the following specific contents:
s21, acquiring transaction amount data of the same transaction category of the histories of the applicant, and calculating the applicantThe average value of transaction amount data of the same transaction category is historic, and the calculation formula is as follows:wherein->For the requester to history the ith transaction amount data of the same transaction category,/for the requester>For the total number of transaction amount data of the same transaction category, i is 1 to +.>Substituting the average value of the transaction amount data of the same transaction category of the history of the applicant and the transaction amount data of the same transaction category of the history of the applicant into a transaction amount abnormal value formula to calculate the abnormal value of each transaction amount data, wherein the ith transaction amount abnormal value formula of the transaction amount data of the same transaction category of the history of the applicant is as follows: />Comparing the transaction amount abnormal value with a transaction abnormal threshold, and extracting transaction amount data of the same transaction category of the requester history corresponding to the transaction amount abnormal value of which the transaction amount abnormal value is smaller than or equal to a set first transaction amount abnormal threshold to obtain preselected historical transaction data of the requester;
S22, extracting transaction amount data of the transaction counterpart in the same transaction category, acquiring transaction average amount data of the same transaction category by corresponding personnel according to corresponding personnel of the transaction amount data of the transaction counterpart in the same transaction category, substituting the average value of the transaction average amount data of the same transaction category by the corresponding personnel and the transaction amount data of the applicant in the same transaction category into a corresponding personnel difference value calculation formula to calculate a corresponding personnel difference value, wherein the j-th corresponding personnel difference value calculation formula is as follows:wherein->And carrying out transaction average amount data of the same transaction category for the jth corresponding person, and setting transaction amount data of the same transaction category of the corresponding person with the corresponding person difference value smaller than or equal to the set second transaction amount abnormal threshold value as transaction counterpart preselection historical transaction data.
4. A transaction management method based on intelligent interaction as claimed in claim 3, wherein the specific steps of the request outlier calculation strategy in S3 are as follows:
s31, extracting the preselected historical transaction data of the requesting party, substituting the preselected historical transaction data of the requesting party into a calculation formula of the preselected historical transaction average value of the requesting party to calculate the preselected historical transaction average value of the requesting party, wherein the preselected historical transaction average value of the requesting party is as follows: ，/>Preselecting the S-th data in the historical transaction data for the requesting party, wherein S is the total data number in the historical transaction data preselected by the requesting party, and S is any one of 1 to S;
s32, importing the preselected historical transaction average value of the requester and the transaction data information of the requester into a transaction data request abnormal value calculation formula to calculate a request abnormal value, wherein the transaction data request abnormal value calculation formula is as follows:wherein->Payment amount information is paid for the applicant's transaction.
5. The transaction management method based on intelligent interaction according to claim 4, wherein the specific steps of accepting an outlier calculation policy in S4 are:
s41, extracting transaction opposite side preselected historical transaction data, substituting the transaction opposite side preselected historical transaction average value calculation formula to calculate a transaction opposite side preselected historical transaction average value, wherein the transaction opposite side preselected historical transaction average value calculation formula is as follows:wherein Q is the number of transaction opponents preselect historical transaction data,/in the transaction opponents>Preselecting the Q-th historical transaction data for the transaction counterpart, wherein Q is any one of 1 to Q;
s42, importing the transaction counter preselected historical transaction average value and the transaction payment amount information of the applicant into an abnormal value receiving calculation formula to calculate a transaction data abnormal value, wherein the transaction data abnormal value receiving calculation formula is as follows: 。
6. The transaction management method based on intelligent interaction according to claim 5, wherein the overall transaction outlier calculation strategy comprises the following specific steps:
s51, extracting the calculated transaction data request abnormal value and the transaction data receiving abnormal value, and importing the abnormal value into a whole transaction abnormal value calculation formula to calculate the whole transaction abnormal value, wherein the whole transaction abnormal value calculation formula is as follows:wherein->Requesting an outlier duty cycle for transaction data, +.>Accepting an outlier duty cycle for the transaction data, wherein +.>；
S52, comparing the obtained overall transaction abnormal value with a set transaction abnormal threshold, if the obtained overall transaction abnormal value is greater than or equal to the set transaction abnormal threshold, performing S6, and if the obtained overall transaction abnormal value is less than the set transaction abnormal threshold, directly performing the transaction.
7. A transaction management system based on intelligent interaction, which is realized based on the transaction management method based on intelligent interaction according to any one of claims 1-6, and is characterized by comprising a transaction request module, a data acquisition module, a screening module, a transaction data request abnormal value calculation module, a transaction data acceptance abnormal value calculation module, an overall transaction abnormal value calculation module, a comparison module, an interaction feedback module and a control module, wherein the transaction request module is used for requesting a transaction by a requester through interaction equipment to acquire project information of the requester for requesting the transaction, the data acquisition module is used for cleaning the project information to extract transaction data information related to the transaction request from the project information and simultaneously acquire historical transaction information of both transaction parties, the screening module is used for guiding the historical transaction information of both transaction parties into a screening strategy to acquire the preselected historical transaction data of the requester and the preselected historical transaction data of the transaction counterpart, and the transaction data request abnormal value calculation module is used for extracting the transaction data information of the requester and guiding the preselected historical transaction data of the requester into the request abnormal value calculation strategy to calculate the transaction data of the requester.
8. The intelligent interaction-based transaction management system according to claim 7, wherein the transaction data reception outlier calculation module is configured to extract transaction data information of a requestor and transaction data of a transaction counterpart preselected history to be imported into the reception outlier calculation policy to perform calculation of a transaction data reception outlier, the overall transaction outlier calculation module is configured to extract the calculated transaction data request outlier and the transaction data reception outlier to be imported into the overall transaction outlier calculation policy to calculate an overall transaction outlier, the interaction feedback module is configured to compare the obtained overall transaction outlier with a set transaction outlier threshold, the interaction feedback module is configured to feedback a transaction anomaly alarm to the transaction requester by the interaction device, and to display each number of amplified transaction data on the interaction device for selection confirmation by the transaction requester, and the control module is configured to control operations of the transaction request module, the data acquisition module, the screening module, the transaction data reception outlier calculation module, the overall transaction outlier calculation module, the comparison module, and the interaction feedback module.
9. A human-machine interaction device, comprising: a processor and a memory, wherein the memory stores a computer program for the processor to call;
-wherein the processor performs a transaction management method based on intelligent interaction as claimed in any of the claims 1-6 by invoking a computer program stored in the memory.
10. A computer readable storage medium storing instructions which, when executed on a computer, cause the computer to perform a transaction management method based on intelligent interaction according to any of claims 1-6.
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