WO2019192255A1 - 一种业务数据处理方法、装置及电子设备 - Google Patents

一种业务数据处理方法、装置及电子设备 Download PDF

Info

Publication number
WO2019192255A1
WO2019192255A1 PCT/CN2019/073823 CN2019073823W WO2019192255A1 WO 2019192255 A1 WO2019192255 A1 WO 2019192255A1 CN 2019073823 W CN2019073823 W CN 2019073823W WO 2019192255 A1 WO2019192255 A1 WO 2019192255A1
Authority
WO
WIPO (PCT)
Prior art keywords
service data
event
service
preset
local
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2019/073823
Other languages
English (en)
French (fr)
Inventor
董瑞
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Alibaba Group Holding Ltd
Original Assignee
Alibaba Group Holding Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Priority to SG11202006073PA priority Critical patent/SG11202006073PA/en
Publication of WO2019192255A1 publication Critical patent/WO2019192255A1/zh
Priority to US16/886,235 priority patent/US11170368B2/en
Anticipated expiration legal-status Critical
Priority to US17/359,856 priority patent/US11361311B2/en
Ceased legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3224—Transactions dependent on location of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0635—Risk analysis of enterprise or organisation activities
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4015—Transaction verification using location information
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the present specification relates to the field of payment technologies, and in particular, to a service data processing method, apparatus, and electronic device.
  • the embodiment of the present specification provides a service data processing method, device, and electronic device, which are used to implement secondary verification of payment data of a payment service, and improve accuracy of payment service data alarm.
  • an embodiment of the present disclosure provides a service data processing method, where the method includes:
  • confirming whether to alert the service data according to the local event including:
  • the local event includes a preset event, confirm whether to alarm the service data according to the preset event.
  • confirming whether to alarm the service data according to the preset event including:
  • the level and/or duration of the preset event included in the local event satisfies a preset condition, confirm that the service data belongs to a normal fluctuation, and does not alarm the service data;
  • the level and/or duration of the preset event included in the local event does not satisfy the preset condition, confirm that the service data is abnormal, and alert the service data.
  • the method further includes: if the local event does not include the preset event, alerting the service data; or suspending the user payment service.
  • the preset events include: natural disasters, traffic control, and/or procession gatherings.
  • the method further includes: if the local event includes a preset event, generating prompt information according to the preset event, and displaying the prompt information.
  • the method further includes:
  • a preset type of event is acquired from the local news as the local event.
  • the embodiment of the present specification further provides a service data processing apparatus, where the apparatus includes:
  • a determining unit configured to obtain and determine whether the service data of the user payment service is within a service indicator range
  • a location obtaining unit configured to obtain location information of a target client corresponding to the service data if the service data is not in the service indicator range;
  • a parsing unit configured to obtain a local event corresponding to the location information
  • an alarm unit configured to confirm whether to alarm the service data according to the local event.
  • the alarm unit is used to:
  • the local event includes a preset event, confirm whether to alarm the service data according to the preset event.
  • the alarm unit is further configured to:
  • the level and/or duration of the preset event included in the local event satisfies a preset condition, confirm that the service data belongs to a normal fluctuation, and does not alarm the service data;
  • the level and/or duration of the preset event included in the local event does not satisfy the preset condition, confirm that the service data is abnormal, and alert the service data.
  • the alarm unit is further configured to: if the local event does not include the preset event, alert the service data; or suspend the user payment service.
  • the preset events include: natural disasters, traffic control, and/or procession gatherings.
  • the device further includes: a generating unit, configured to: when the local event includes a preset event, generate prompt information according to the preset event, and display the prompt information.
  • a generating unit configured to: when the local event includes a preset event, generate prompt information according to the preset event, and display the prompt information.
  • the device further includes:
  • a search unit configured to search for local news corresponding to the location information; and obtain a preset type of event from the local news as the local event.
  • an embodiment of the present specification further provides a computer readable storage medium, where a computer program is stored, and when the program is executed by the processor, the following steps are implemented:
  • an embodiment of the present specification provides an electronic device including a memory and one or more programs, wherein one or more programs are stored in the memory and configured to be executed by one or more processors
  • the one or more programs include instructions for performing the following operations:
  • the embodiment of the present specification provides a service data processing method, which obtains and determines whether the service data of the user payment service is within the service indicator range, and if not in the service indicator range, obtains the location information of the target customer corresponding to the service data, and obtains The local event corresponding to the location information, thereby confirming whether to alarm the service data according to the obtained local event, that is, the service data is secondarily checked by the local event, and many local events such as typhoon, terrorist attack, power failure, etc. may result in payment.
  • Business fluctuations are even suspended, and the business data in this case is not normal, not abnormal. Therefore, secondary inspection of business data according to local events can effectively avoid false alarms caused by local events.
  • the false alarm caused by the alarm according to the service data itself improves the accuracy of the payment service data alarm.
  • FIG. 1 is a schematic diagram of a payment system provided by an embodiment of the present specification
  • FIG. 2 is a flowchart of a service data processing method according to an embodiment of the present disclosure
  • FIG. 3 is a flowchart of a payment service monitoring alarm according to an embodiment of the present disclosure
  • FIG. 4 is a schematic diagram of an information processing apparatus according to an embodiment of the present disclosure.
  • FIG. 5 is a schematic diagram of an electronic device according to an embodiment of the present disclosure.
  • the embodiment of the present specification provides a service data processing method, device, and electronic device, which are used to perform secondary verification on the service data of the payment service based on the judgment of the service indicator range, and improve the accuracy of the service data alarm.
  • the payment system includes: a payment end, a paid end, and a payment service platform.
  • the payment terminal may initiate a payment request to the payment service platform by scanning the barcode of the payment end, the two-dimensional code or inputting the account information of the payment end, and the payment service platform responds to the payment request of the payment terminal, and feeds back the payment interface, so that the payment terminal completes the payment operation and sends the payment operation.
  • the payment information is sent to the payment service platform, and the payment service platform completes the payment service according to the payment information.
  • the payment terminal may also initiate a payment request to the payment service platform, and send the payment information of the payment terminal to the payment service platform, and the payment service platform completes the payment service.
  • the demand for the payment service by the payment end and the payment end is not fixed, but the demand of the payment end, especially the payment end of the merchant, is relatively stable, and the service data of the payment end can be monitored to determine the payment. Whether the service is working properly.
  • a service data processing method provided by an embodiment of the present disclosure is applied to a payment service platform to monitor service data of a payment service, in particular, to monitor payment service data of each merchant.
  • the information processing method includes:
  • S210 Acquire and determine whether the service data of the user payment service is within a service indicator range
  • the business data of the customer may be predicted according to the history of the customer, and the business data of a certain point in the future is predicted, and the business indicator range of the point is obtained.
  • the specific prediction method may adopt an existing prediction method, for example, according to the average value prediction, the trend prediction according to the service data over time, the prediction method prediction according to the time series, and the like, and the embodiment does not limit the prediction of the service indicator range.
  • the service indicator range may be the total amount of payment, the number of payment, the frequency of payment, etc. of a certain merchant, a store, etc. within a preset time period such as day, week, month, and the like.
  • the S210 may obtain the service data of the user's payment service through the payment service platform, or obtain the service data of the payment service through the client (including the payment end and the paid end).
  • the service data may include the total amount of payment, the number of payments, the frequency of payment, the location of payment, and the like in a preset time period.
  • After obtaining the service data of the user's payment service it is determined whether the service data is within the scope of the service indicator. For example, suppose a store, based on its historical business data for the previous month, predicts that the average daily payment for the last week of the next month is 30,000 to 40,000 yuan, then at the end of the last week of the next month, the week is obtained.
  • the business data is the average daily actual payment, and it is judged whether the actual total payment is between 30,000 yuan and 40,000 yuan. If it is determined that the service data is in the range of the service indicator, it indicates that the user payment service is normal, and the subsequent monitoring is continued. Otherwise, if it is determined that the service data is not within the service indicator range, S220 is performed.
  • the service data is not in the range of the service indicator, obtain the location information of the target client corresponding to the service data.
  • the pre-stored location information may be obtained through a payment service platform or a client, or may be through a mobile communication carrier's radio communication network (such as a GSM network or a CDMA network) by using a LBS (Location Based Service). Or external positioning method (such as GPS) to obtain the location information of the moving client.
  • LBS Location Based Service
  • the process proceeds to S230 to obtain a local event corresponding to the location information.
  • the local news corresponding to the location information may be searched for; the preset type of event is obtained from the corresponding local news as a local event.
  • the preset types of events include: traffic, weather, municipal, electric power and other events with significant impact.
  • a third-party application such as Google, 360, Baidu, etc. can be invoked to search for local news based on the location information, obtain the latest hottest headline newsletter, and obtain local events according to the newsletter.
  • the execution of S240 continues to confirm whether the service data is alarmed according to the local event. Specifically, it may first determine whether the local event includes a preset event, and if the local event includes a preset event, confirm whether to perform a service data alarm according to the preset event.
  • the pre-set event is an event that can be reversed by the irresistible external force factor or the technical means of non-payment, including one or more events such as natural disasters, traffic control, procession assembly, municipal construction, and the like.
  • Different local events have different impacts on the payment service. Ordinary events such as temporary power outages and heavy rains will not have a significant impact on the payment service.
  • Predetermined events such as typhoons, processions, blizzards, etc. will cause great impact on the payment business. Impact, but these events are caused by irresistible external forces, and the resulting business data anomalies are normal, without the need for technical personnel to follow up, when the irresistible external force factors disappear, the corresponding business will naturally return to normal. If the default event is not included in the local event, it indicates that the target customer's payment service is abnormal, and the service data is alarmed, so that the maintenance personnel can follow up, or the corresponding user payment service is suspended. Follow up to confirm and solve the problem before turning it on.
  • the local event contains a preset event
  • the service data is not alarmed
  • the prompt information is generated according to the preset time
  • the prompt information is displayed to remind the maintenance personnel that the corresponding event has occurred locally, and the observation may not continue with the target. Customer contact, avoiding bothering customers and bringing a bad experience to customers.
  • the artificial intelligence module of monitoring and learning uses the artificial intelligence module of monitoring and learning to determine whether the local event is a preset event, such as typhoon, earthquake, power outage, blizzard, heavy rain, etc. If the judgment result is that the system output 1 does not alarm, if the judgment result is no system output 0, the system issues an alarm, maintenance personnel or security experts will follow up, determine that their payment system is normal, contact the customer to follow up, confirm the problem with the merchant and solve the problem.
  • the short-term workaround method can also return the reminder information and the latest preset news events corresponding to the top 10 news newsletters in the reminder notification, and the monitoring personnel manually judge whether to follow up.
  • the local event includes a preset event
  • the preset condition is a preset event level and/or duration that causes a large fluctuation in the payment service.
  • the preset condition corresponding to the typhoon event is that the level exceeds 5 levels and/or the duration exceeds 2 days.
  • the level and/or duration of the preset event included in the local event meets the preset condition, it is confirmed that the service data is normal fluctuation, and the service data is not alarmed; if the level and/or duration of the preset event included in the local event If the preset condition is not met, the service data is abnormal, and the service data is alarmed.
  • the monitoring and alarm system of the user's payment service acquires the location information of the user when the business abnormal event is triggered, and obtains the latest hot news through the service interface such as LBS News near you, and the artificial intelligence module that supervises and learns the news.
  • the analysis of the content of the newsletter obtaining and judging whether there is a local event affecting the local offline payment service. If there is, the alarm is not triggered (or the alarm importance or sensitivity is reduced, resulting in a low level alarm). Therefore, the merchants in the extreme local scene are not disturbed, the operation and maintenance guarantee efficiency is improved, and the limited personnel are concentrated on the matters that really need to solve the problem, and the operation and maintenance cost is reduced.
  • FIG. 3 is a complete description of a complete implementation process of the service data processing method provided by the present specification in the monitoring service by using a specific example:
  • the intelligent monitoring and alarming module can pay for the service platform, the client connection of the payment service, and obtain the corresponding business data, assuming that the obtained is.
  • S2 Determine whether the service indicator is abnormal, that is, whether the service data exceeds the service indicator range. If yes, continue monitoring. If no, continue to the next step S3.
  • S4 Calling an LBS-based search service interface to search for local news corresponding to the location information.
  • S6 Determine whether there is a preset event that reasonably affects the local payment service. If there are preset events such as typhoon, heavy rain, and riot, output 1 and the abnormal event processing ends. If not, output 0, trigger an alarm, and then manually follow up until the business problem is fixed, the exception event processing ends.
  • the embodiment further provides a service data processing device.
  • the device includes:
  • the determining unit 41 is configured to obtain and determine whether the service data of the user payment service is within the service indicator range;
  • the location obtaining unit 42 is configured to obtain location information of the target client corresponding to the service data if the service data is not in the service indicator range;
  • the parsing unit 43 is configured to obtain a local event corresponding to the location information
  • the alarm unit 44 is configured to confirm whether to alarm the service data according to the local event.
  • the alarm unit 44 may determine whether the local event includes a preset event when it is actually alarming the service data that exceeds the service indicator range; if the local event includes a preset event And confirming whether to alarm the service data according to the preset event.
  • the preset event may include: natural disasters, traffic control, and/or procession gathering.
  • the alarm unit 44 may determine whether the level and/or duration of the preset event included in the local event satisfies a preset condition; if the preset event level included in the local event is Or the duration meets the preset condition, confirming that the service data belongs to a normal fluctuation, and does not alarm the service data; if the level and/or duration of the preset event included in the local event does not satisfy the preset condition And confirming that the service data is abnormal, and alerting the service data.
  • the alarm unit 44 is further configured to: if the local event does not include the preset event, alert the service data; or suspend the user payment service.
  • the device further includes: a generating unit 45, configured to: when the local event includes a preset event, generate prompt information according to the preset event, and display the prompt information.
  • the device may further include: a searching unit 46, configured to search for local news corresponding to the location information, and obtain a preset type of event from the local news as the local event.
  • the present embodiment provides a service data processing apparatus.
  • the determining unit obtains and determines whether the service data of the user payment service is within the service indicator range. If the service data is not within the service indicator range, the location obtaining unit obtains the target customer corresponding to the service data.
  • the location information, and the local event corresponding to the location information is obtained by the analyzing unit, so that the alarm unit further confirms whether to alarm the service data according to the obtained local event, that is, the service data is double-checked by the local event, many Local events such as typhoons, terrorist attacks, power outages, etc. can cause fluctuations in payment services or even suspensions.
  • business data that is not up to standard is normal, not abnormal. Therefore, secondary inspection of business data based on local events can be effective. It avoids the false alarm caused by the normal fluctuation caused by the local event, solves the problem of false alarm caused by the alarm according to the service data itself in the prior art, and improves the accuracy of the payment service data alarm.
  • FIG. 5 is a block diagram of an electronic device 700 for implementing a data query method, according to an exemplary embodiment.
  • electronic device 700 can be a computer, a database console, a tablet device, a personal digital assistant, and the like.
  • electronic device 700 can include one or more of the following components: processing component 702, memory 704, power component 706, multimedia component 708, input/output (I/O) interface 710, and communication component 712.
  • processing component 702 memory 704, power component 706, multimedia component 708, input/output (I/O) interface 710, and communication component 712.
  • Processing component 702 typically controls the overall operations of electronic device 700, such as operations associated with display, data communication, and recording operations.
  • Processing component 702 can include one or more processors 720 to execute instructions to perform all or part of the steps described above.
  • processing component 702 can include one or more modules to facilitate interaction between component 702 and other components.
  • Memory 704 is configured to store various types of data to support operation at device 700. Examples of such data include instructions for any application or method operating on electronic device 700, contact data, phone book data, messages, pictures, videos, and the like. Memory 704 can be implemented by any type of volatile or non-volatile storage device, or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read only memory (EEPROM), erasable Programmable Read Only Memory (EPROM), Programmable Read Only Memory (PROM), Read Only Memory (ROM), Magnetic Memory, Flash Memory, Disk or Optical Disk.
  • SRAM static random access memory
  • EEPROM electrically erasable programmable read only memory
  • EPROM erasable Programmable Read Only Memory
  • PROM Programmable Read Only Memory
  • ROM Read Only Memory
  • Magnetic Memory Flash Memory
  • Disk Disk or Optical Disk.
  • Power component 706 provides power to various components of electronic device 700.
  • Power component 706 can include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for electronic device 700.
  • the I/O interface 710 provides an interface between the processing component 702 and the peripheral interface module, which may be a keyboard, a click wheel, a button, or the like. These buttons may include, but are not limited to, a home button, a volume button, a start button, and a lock button.
  • Communication component 712 is configured to facilitate wired or wireless communication between electronic device 700 and other devices.
  • the electronic device 700 can access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof.
  • the communication component 712 receives broadcast signals or broadcast associated information from an external broadcast management system via a broadcast channel.
  • the communication component 712 also includes a near field communication (NFC) module to facilitate short range communication.
  • NFC near field communication
  • the NFC module can be implemented based on radio frequency identification (RFID) technology, infrared data association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
  • RFID radio frequency identification
  • IrDA infrared data association
  • UWB ultra-wideband
  • Bluetooth Bluetooth
  • electronic device 700 may be implemented by one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), A gated array (FPGA), controller, microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
  • ASICs application specific integrated circuits
  • DSPs digital signal processors
  • DSPDs digital signal processing devices
  • PLDs programmable logic devices
  • FPGA gated array
  • controller microcontroller, microprocessor, or other electronic component implementation for performing the above methods.
  • non-transitory computer readable storage medium comprising instructions, such as a memory 704 comprising instructions executable by processor 720 of electronic device 700 to perform the above method.
  • the non-transitory computer readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage device.
  • a non-transitory computer readable storage medium when instructions in the storage medium are executed by a processor of a mobile terminal, to enable an electronic device to perform a data query method, the method comprising:

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Human Resources & Organizations (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Educational Administration (AREA)
  • Game Theory and Decision Science (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Alarm Systems (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

一种业务数据处理方法、装置及电子设备，方法包括：获取并判断用户支付业务的业务数据是否在业务指标范围内（S210）；若业务数据不在业务指标范围内，获得业务数据对应的目标客户所在的位置信息（S220）；获得所述位置信息对应的本地事件（S230）；根据本地事件确认是否对所述业务数据进行报警（S240）。通过本地事件来二次检验业务数据，可以有效避免将本地事件引起的正常波动进行错误报警，解决现有技术中根据业务数据本身进行报警导致的误报问题，提高支付业务数据报警的准确性。

Description

一种业务数据处理方法、装置及电子设备
相关申请的交叉引用
本专利申请要求于2018年4月4日提交的、申请号为201810301193.2、发明名称为“一种业务数据处理方法、装置及电子设备”的中国专利申请的优先权，该申请的全文以引用的方式并入本文中。
技术领域
本说明书涉及支付技术领域，特别涉及一种业务数据处理方法、装置及电子设备。
背景技术
随着互联网技术的不断发展，移动支付技术得到了快速的发展，并且对应的移动支付业务在人们生活中的接受度越来越高，逐渐成为一个主要的支付方式，给人们带来了诸多便利。
随着移动支付业务的使用越来越多，移动支付业务的安全措施、故障排查显得越来越重要。现如今，针对移动支付业务对其业务数据进行监控，并对异常业务数据进行报警，报警后对于异常业务由监控人员和保障专家跟进处理，如到现场与客户沟通了解异常原因以针对性采取修复措施，需要耗费大量的人力物力，尤其是当移动支付业务的各项数据报警不准确时，将造成人力资源浪费。亟需一种新的方法来提高业务数据报警的准确性。
发明内容
本说明书实施例提供一种业务数据处理方法、装置及电子设备，用于实现对支付业务的支付数据的二次检验，提高支付业务数据报警的准确性。
第一方面，本说明书实施例提供一种业务数据处理方法，所述方法包括：
获取并判断用户支付业务的业务数据是否在业务指标范围内；
若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；
获得所述位置信息对应的本地事件；
根据所述本地事件确认是否对所述业务数据进行报警。
可选的，根据所述本地事件确认是否对所述业务数据进行报警，包括：
判断所述本地事件是否包含预设事件；
若所述本地事件包含预设事件，根据所述预设事件确认是否对所述业务数据进行报警。
可选的，根据所述预设事件确认是否对所述业务数据进行报警，包括：
判断所述本地事件中包含的所述预设事件的等级和/或持续时间是否满足预设条件；
若本地事件中包含的所述预设事件的等级和/或持续时间满足预设条件，确认所述业务数据属于正常波动，不对所述业务数据进行报警；
若所述本地事件中包含的所述预设事件的等级和/或持续时间不满足预设条件，确认所述业务数据异常，对所述业务数据进行报警。
可选的，所述方法还包括：若所述本地事件不包含所述预设事件，对所述业务数据进行报警；或者，暂停所述用户支付业务。
可选的，所述预设事件包括：自然灾害、交通管制和/或游行集会。
可选的，所述方法还包括：若所述本地事件包含预设事件，根据所述预设事件生成提示信息，显示所述提示信息。
可选的，所述方法还包括：
搜索获得所述位置信息对应的本地新闻；
从所述本地新闻中获取预设类型的事件作为所述本地事件。
第二方面，本说明书实施例还提供一种业务数据处理装置，所述装置包括：
判断单元，用于获取并判断用户支付业务的业务数据是否在业务指标范围内；
位置获取单元，用于在所述业务数据不在所述业务指标范围内的情况下，获得所述业务数据对应的目标客户所在的位置信息；
解析单元，用于获得所述位置信息对应的本地事件；
报警单元，用于根据所述本地事件确认是否对所述业务数据进行报警。
可选的，所述报警单元用于：
判断所述本地事件是否包含预设事件；
若所述本地事件包含预设事件，根据所述预设事件确认是否对所述业务数据进行报警。
可选的，所述报警单元还用于：
判断所述本地事件中包含的所述预设事件的等级和/或持续时间是否满足预设条件；
若本地事件中包含的所述预设事件的等级和/或持续时间满足预设条件，确认所述业务数据属于正常波动，不对所述业务数据进行报警；
若所述本地事件中包含的所述预设事件的等级和/或持续时间不满足预设条件，确认所述业务数据异常，对所述业务数据进行报警。
可选的，所述报警单元还用于：若所述本地事件不包含所述预设事件，对所述业务数据进行报警；或者，暂停所述用户支付业务。
可选的，所述预设事件包括：自然灾害、交通管制和/或游行集会。
可选的，所述装置还包括：生成单元，用于若所述本地事件包含预设事件，根据所述预设事件生成提示信息，显示所述提示信息。
可选的，所述装置还包括：
搜索单元，用于搜索获得所述位置信息对应的本地新闻；从所述本地新闻中获取预设类型的事件作为所述本地事件。
第三方面，本说明书实施例还提供一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现以下步骤：
获取并判断用户支付业务的业务数据是否在业务指标范围内；
若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；
获得所述位置信息对应的本地事件；
根据所述本地事件确认是否对所述业务数据进行报警。
第四方面，本说明书实施例提供一种电子设备，包括有存储器，以及一个或者一个以上的程序，其中一个或者一个以上程序存储于存储器中，且经配置以由一个或者一个以上处理器执行所述一个或者一个以上程序包含用于进行以下操作的指令：
获取并判断用户支付业务的业务数据是否在业务指标范围内；
若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；
获得所述位置信息对应的本地事件；
根据所述本地事件确认是否对所述业务数据进行报警。
本说明书实施例中的上述一个或多个技术方案，至少具有如下技术效果：
本说明书实施例提供一种业务数据处理方法，获取并判断用户支付业务的业务数据是否在业务指标范围内，若不在业务指标范围内，获得该业务数据对应的目标客户所在的位置信息，以及获得该位置信息对应的本地事件，从而根据获得的本地事件来确认是否对业务数据进行报警，即通过本地事件来对业务数据进行二次检验，很多本地事件如台风、恐怖袭击、停电等会导致支付业务波动甚至暂停，而这种情况的业务数据不达标属于正常情况，而非异常情况，因此，根据本地事件来二次检验业务数据，可以有效避免将本地事件引起的正常波动进行错误报警，解决现有技术中根据业务数据本身进行报警导致的误报问题，提高支付业务数据报警的准确性。
附图说明
为了更清楚地说明本说明书实施例中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作一简单地介绍，显而易见地，下面描述中的附图是本说明书的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为本说明书实施例提供的支付系统示意图；
图2为本说明书实施例提供的一种业务数据处理方法的流程图；
图3为本说明书实施例提供的一种支付业务监控报警流程图；
图4为本说明书实施例提供一种信息处理装置的示意图；
图5为本说明书实施例提供的一种电子设备的示意图。
具体实施方式
为使本说明书实施例的目的、技术方案和优点更加清楚，下面将结合本说明书实 施例中的附图，对本说明书实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本说明书一部分实施例，而不是全部的实施例。基于本说明书中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本说明书保护的范围。
在本说明书实施例提供一种业务数据处理方法、装置及电子设备，用于实现在业务指标范围判断的基础上，对支付业务的业务数据进行二次检验，提高业务数据报警的准确性。
下面结合附图对本说明书实施例技术方案的主要实现原理、具体实施方式及其对应能够达到的有益效果进行详细的阐述。
请参考图1，支付系统包括：支付端、被支付端及支付服务平台。支付端可以通过扫描被支付端的条码、二维码或者输入被支付端的账号信息来向支付服务平台发起支付请求，支付服务平台响应支付端的支付请求，反馈支付界面，以便支付端完成支付操作并发送支付信息至支付服务平台，由支付服务平台根据支付信息完成支付业务。当然，也可以由被支付端向支付服务平台发起收款请求、将支付端的支付信息发送至支付服务平台，由支付服务平台完成支付业务。其中，支付端和被支付端的对支付业务的需求均是不固定的，但被支付端，尤其是商家的被支付端的需求量是相对稳定的，可以对被支付端的业务数据进行监控来判断支付服务是否正常运行。
本说明书实施例提供的一种业务数据处理方法，应用于支付服务平台，来对支付业务的业务数据进行监控，尤其是对各个商家的支付业务数据进行监控。请参考图2，该信息处理方法包括：
S210：获取并判断用户支付业务的业务数据是否在业务指标范围内；
S220：若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；
S230：获得所述位置信息对应的本地事件；
S240：根据所述本地事件确认是否对所述业务数据进行报警。
在实际应用过程中，对某商家的支付物业进行监控的过程中，可以根据该客户的历史支付业务数据，对未来的某点的业务数据进行预测，获得该点的业务指标范围。具体的预测方法可以采用现有的预测方法，例如，根据平均值预测、根据业务数据随时间的变化趋势预测、根据时间序列分析预测法预测等等，本实施例并不限制业务指标范围 的预测方法。该业务指标范围可以是某一商家、门店等在预设时间周期内如日、周、月等的支付总量、支付次数、支付频次等。
S210可以通过支付服务平台获取用户支付业务的业务数据，也可以通过客户端(包含支付端和被支付端)获取支付业务的业务数据。该业务数据可以包含预设时间周期内的支付总量、支付次数、支付频次、支付位置等。在获得用户支付业务的业务数据后，判断该业务数据是否在业务指标范围内。例如：假设某门店，根据其上一个月的历史业务数据，预测其下一个月的最后一周的平均日支付总量为3～4万元，那么在下一个月的最后一周结束时，获得该周的业务数据即平均每日的实际支付总量，判断该实际支付总量是否在3～4万元之间。若判断出业务数据在业务指标范围内，表明用户支付业务正常，继续进行后续监测，反之，若判断出业务数据不在业务指标范围内，执行S220。
S220若业务数据不在业务指标范围内，获得业务数据对应的目标客户所在的位置信息。具体的，可以通过支付服务平台或者客户端获得其预先保存的位置信息，也可以利用LBS(Location Based Service，基于位置服务)，通过移动通信运营商的无线电通讯网络(如GSM网、CDMA网)或外部定位方式(如GPS)获取移客户端的位置信息。
在获得目标客户的位置信息后，继续执行S230获得该位置信息对应的本地事件。可以搜索获得该位置信息对应的本地新闻；从对应本地新闻中获取预设类型的事件作为本地事件。其中，预设类型的事件包括：交通、气象、市政、电力等具有重大影响的事件。具体的，在获取本地事件时，可调用第三方应用比如Google、360、百度等浏览器，基于位置信息的地址搜索本地新闻，获取最新最热的头条新闻简讯，根据新闻简讯获得本地事件。
在获得本地事件后，继续执行S240根据本地事件确认是否对业务数据进行报警。具体的，可先判断本地事件是否包含预设事件，若本地事件包含预设事件，根据预设事件确认是否进行业务数据报警。其中，预设事件为不可抗外力因素导致的或非支付方面的技术手段能够扭转的事件，包含自然灾害、交通管制、游行集会、市政施工等等一种或多种事件。不同的本地事件对支付业务的影响不同，普通事件如临时停电、大雨等不会对支付业务造成很大的影响，而预设事件如台风、游行集会、暴风雪等会对支付业务造成很大的影响，但这些事件由不可抗外力因素导致，由此导致的业务数据异常是正常的，无需技术人员跟进的，当不可抗外力因素消失时，相应业务会自然恢复正常。在确认是否报警时，若本地事件中不包含这些预设事件，表明目标客户的支付业务异常，对其业务数据进行报警，以便维护人员进行跟进，或者，暂停对应用户支付业务，待维护 人员跟进确认并解决问题后再开启。反之，若本地事件包含预设事件，不对其业务数据进行报警，根据获得的预设时间生成提示信息，并显示该提示信息，以提醒维护人员当地发生了相应事件，可继续观察暂不与目标客户联系，避免打扰客户，给客户带来不好的体验。
例如：利用监控学习的人工智能模块，判断本地事件是否是预设事件，比如台风、地震、停电、暴风雪、暴雨等，若判断结果为是系统输出1不进行报警，若判断结果为否系统输出0，系统发出报警，维护人员或保障专家会跟进，判别自身支付系统正常后，联系客户跟进，跟商家确认问题并解决问题。针对系统输出1的情况，短期变通方法，还可以将提醒信息和最新的排名靠前的10个新闻简讯对应的预设事件返回在提醒通知中，由监控人员人工判断是否跟进。
为了避免漏报，在判断出本地事件包含预设事件时，进一步根据所包含的预设事件的等级和/或持续时间来确认是否对业务数据进行报警。具体的，判断本地事件中包含的预设事件的等级和/或持续时间是否满足预设条件。预设条件为会对支付业务造成较大波动的预设事件等级和/或持续时间，例如：台风事件对应的预设条件为等级超过5级和/或持续时间超过2天。若本地事件中包含的预设事件的等级和/或持续时间满足预设条件，确认业务数据属于正常波动，不对业务数据进行报警；若本地事件中包含的预设事件的等级和/或持续时间不满足预设条件，确认业务数据异常，对该业务数据进行报警。
用户支付业务的监控报警系统在业务异常事件触发时，获取用户所在的位置信息，利用服务接口如LBS News near you(在你身边的新闻)获取最新热点新闻，经过监管学习的人工智能模块对新闻简讯内容的分析，获取并判断判断是否有影响本地线下支付业务的本地事件。如果有，则不触发报警(或降低报警重要度或敏感度，产生低级别报警)。从而对身处极端本地场景的商户免受打扰，提高运维保障效率，使有限的人员集中在真正需要解决问题的事情上，降低运维保障成本。
请参考图3，下面通过一个具体实例，来对本说明书提供的一种业务数据处理方法在监控业务上的完整实施过程进行完整说明：
S1、通过智能监控报警模块监控用户支付业务的业务数据。该智能监控报警模块能够支付服务平台、支付业务的客户端连接，并获取相应的业务数据，假设获取的是。
S2、判断业务指标是否异常，即业务数据是否超出业务指标范围。若是，继续监控。若否，继续下一步S3。
S3、通过LBS获取超出业务指标范围的业务数据对应的目标客户的位置信息。
S4、调用基于LBS的搜索服务接口，搜索位置信息对应的本地新闻。
S5、通过智能分析模块分析本地新闻。
S6、判断是否有合理影响本地支付业务的预设事件。若有台风、暴雨、暴乱等预设事件，输出1，异常事件处理结束。若否，输出0，触发报警，随后由人工跟进解决，直到业务问题修复，异常事件处理结束。
基于上述实施例提供的一种业务数据处理方法，本实施例还对应提供一种业务数据处理装置，请参考图4，该装置包括：
判断单元41，用于获取并判断用户支付业务的业务数据是否在业务指标范围内；
位置获取单元42，用于在所述业务数据不在所述业务指标范围内的情况下，获得所述业务数据对应的目标客户所在的位置信息；
解析单元，43用于获得所述位置信息对应的本地事件；
报警单元44，用于根据所述本地事件确认是否对所述业务数据进行报警。
作为一种可选的实施方式，所述报警单元44在确实是否对超出业务指标范围的业务数据进行报警时，可以判断所述本地事件是否包含预设事件；若所述本地事件包含预设事件，根据所述预设事件确认是否对所述业务数据进行报警。其中，所述预设事件可以包括：自然灾害、交通管制和/或游行集会。
具体的，所述报警单元44可以判断所述本地事件中包含的所述预设事件的等级和/或持续时间是否满足预设条件；若本地事件中包含的所述预设事件的等级和/或持续时间满足预设条件，确认所述业务数据属于正常波动，不对所述业务数据进行报警；若所述本地事件中包含的所述预设事件的等级和/或持续时间不满足预设条件，确认所述业务数据异常，对所述业务数据进行报警。
作为一种可选的实施方式，所述报警单元44还用于：若所述本地事件不包含所述预设事件，对所述业务数据进行报警；或者，暂停所述用户支付业务。
作为一种可选的实施方式，所述装置还包括：生成单元45，用于若所述本地事件包含预设事件，根据所述预设事件生成提示信息，显示所述提示信息。可选的，所述装置还可以包括：搜索单元46，用于搜索获得所述位置信息对应的本地新闻；从所述本地新闻中获取预设类型的事件作为所述本地事件。
本实施例提供一种业务数据处理装置，通过判断单元获取并判断用户支付业务的业务数据是否在业务指标范围内，若不在业务指标范围内，由位置获取单元获得该业务数据对应的目标客户所在的位置信息，以及通过分析单元获得该位置信息对应的本地事件，从而再由报警单元根据获得的本地事件来确认是否对业务数据进行报警，即通过本地事件来对业务数据进行二次检验，很多本地事件如台风、恐怖袭击、停电等会导致支付业务波动甚至暂停，而这种情况的业务数据不达标属于正常情况，而非异常情况，因此，根据本地事件来二次检验业务数据，可以有效避免将本地事件引起的正常波动进行错误报警，解决现有技术中根据业务数据本身进行报警导致的误报问题，提高支付业务数据报警的准确性。
关于上述实施例中的装置，其中各个单元执行操作的具体方式已经在有关方法的实施例中进行了详细描述，此处不再详细阐述。
请参考图5，是根据一示例性实施例示出的一种用于实现数据查询方法的电子设备700的框图。例如，电子设备700可以是计算机，数据库控制台，平板设备，个人数字助理等。
参照图5，电子设备700可以包括以下一个或多个组件：处理组件702，存储器704，电源组件706，多媒体组件708，输入/输出(I/O)的接口710，以及通信组件712。
处理组件702通常控制电子设备700的整体操作，诸如与显示，数据通信，及记录操作相关联的操作。处理元件702可以包括一个或多个处理器720来执行指令，以完成上述的方法的全部或部分步骤。此外，处理组件702可以包括一个或多个模块，便于处理组件702和其他组件之间的交互。
存储器704被配置为存储各种类型的数据以支持在设备700的操作。这些数据的示例包括用于在电子设备700上操作的任何应用程序或方法的指令，联系人数据，电话簿数据，消息，图片，视频等。存储器704可以由任何类型的易失性或非易失性存储设备或者它们的组合实现，如静态随机存取存储器(SRAM)，电可擦除可编程只读存储器(EEPROM)，可擦除可编程只读存储器(EPROM)，可编程只读存储器(PROM)，只读存储器(ROM)，磁存储器，快闪存储器，磁盘或光盘。
电源组件706为电子设备700的各种组件提供电力。电源组件706可以包括电源管理系统，一个或多个电源，及其他与为电子设备700生成、管理和分配电力相关联的组件。
I/O接口710为处理组件702和外围接口模块之间提供接口，上述外围接口模块可以是键盘，点击轮，按钮等。这些按钮可包括但不限于：主页按钮、音量按钮、启动按钮和锁定按钮。
通信组件712被配置为便于电子设备700和其他设备之间有线或无线方式的通信。电子设备700可以接入基于通信标准的无线网络，如WiFi，2G或3G，或它们的组合。在一个示例性实施例中，通信部件712经由广播信道接收来自外部广播管理系统的广播信号或广播相关信息。在一个示例性实施例中，所述通信部件712还包括近场通信(NFC)模块，以促进短程通信。例如，在NFC模块可基于射频识别(RFID)技术，红外数据协会(IrDA)技术，超宽带(UWB)技术，蓝牙(BT)技术和其他技术来实现。
在示例性实施例中，电子设备700可以被一个或多个应用专用集成电路(ASIC)、数字信号处理器(DSP)、数字信号处理设备(DSPD)、可编程逻辑器件(PLD)、现场可编程门阵列(FPGA)、控制器、微控制器、微处理器或其他电子元件实现，用于执行上述方法。
在示例性实施例中，还提供了一种包括指令的非临时性计算机可读存储介质，例如包括指令的存储器704，上述指令可由电子设备700的处理器720执行以完成上述方法。例如，所述非临时性计算机可读存储介质可以是ROM、随机存取存储器(RAM)、CD-ROM、磁带、软盘和光数据存储设备等。
一种非临时性计算机可读存储介质，当所述存储介质中的指令由移动终端的处理器执行时，使得电子设备能够执行一种数据查询方法，所述方法包括：
获取并判断用户支付业务的业务数据是否在业务指标范围内；若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；获得所述位置信息对应的本地事件；根据所述本地事件确认是否对所述业务数据进行报警。
应当理解的是，本发明并不局限于上面已经描述并在附图中示出的精确结构，并且可以在不脱离其范围进行各种修改和改变。本发明的范围仅由所附的权利要求来限制
以上所述仅为本发明的较佳实施例，并不用以限制本发明，凡在本发明的精神和原则之内，所作的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (16)

  1. 一种业务数据处理方法，所述方法包括：
    获取并判断用户支付业务的业务数据是否在业务指标范围内；
    若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；
    获得所述位置信息对应的本地事件；
    根据所述本地事件确认是否对所述业务数据进行报警。
  2. 如权利要求1所述的方法，根据所述本地事件确认是否对所述业务数据进行报警，包括：
    判断所述本地事件是否包含预设事件；
    若所述本地事件包含预设事件，根据所述预设事件确认是否对所述业务数据进行报警。
  3. 如权利要求2所述的方法，根据所述预设事件确认是否对所述业务数据进行报警，包括：
    判断所述本地事件中包含的所述预设事件的等级和/或持续时间是否满足预设条件；
    若本地事件中包含的所述预设事件的等级和/或持续时间满足预设条件，确认所述业务数据属于正常波动，不对所述业务数据进行报警；
    若所述本地事件中包含的所述预设事件的等级和/或持续时间不满足预设条件，确认所述业务数据异常，对所述业务数据进行报警。
  4. 如权利要求2所述的方法，所述方法还包括：
    若所述本地事件不包含所述预设事件，对所述业务数据进行报警；或者，暂停所述用户支付业务。
  5. 如权利要求2所述的方法，所述预设事件包括：
    自然灾害、交通管制和/或游行集会。
  6. 如权利要求2所述的方法，所述方法还包括：
    若所述本地事件包含预设事件，根据所述预设事件生成提示信息，显示所述提示信息。
  7. 如权利要求1～6任一所述的方法，所述方法还包括：
    搜索获得所述位置信息对应的本地新闻；
    从所述本地新闻中获取预设类型的事件作为所述本地事件。
  8. 一种业务数据处理装置，所述装置包括：
    判断单元，用于获取并判断用户支付业务的业务数据是否在业务指标范围内；
    位置获取单元，用于在所述业务数据不在所述业务指标范围内的情况下，获得所述业务数据对应的目标客户所在的位置信息；
    解析单元，用于获得所述位置信息对应的本地事件；
    报警单元，用于根据所述本地事件确认是否对所述业务数据进行报警。
  9. 如权利要求8所述的装置，所述报警单元用于：
    判断所述本地事件是否包含预设事件；
    若所述本地事件包含预设事件，根据所述预设事件确认是否对所述业务数据进行报警。
  10. 如权利要求9所述的装置，所述报警单元还用于：
    判断所述本地事件中包含的所述预设事件的等级和/或持续时间是否满足预设条件；
    若本地事件中包含的所述预设事件的等级和/或持续时间满足预设条件，确认所述业务数据属于正常波动，不对所述业务数据进行报警；
    若所述本地事件中包含的所述预设事件的等级和/或持续时间不满足预设条件，确认所述业务数据异常，对所述业务数据进行报警。
  11. 如权利要求9所述的装置，所述报警单元还用于：
    若所述本地事件不包含所述预设事件，对所述业务数据进行报警；或者，暂停所述用户支付业务。
  12. 如权利要求9所述的装置，所述预设事件包括：
    自然灾害、交通管制和/或游行集会。
  13. 如权利要求9所述的装置，所述装置还包括：
    生成单元，用于若所述本地事件包含预设事件，根据所述预设事件生成提示信息，显示所述提示信息。
  14. 如权利要求8～13任一所述的装置，所述装置还包括：
    搜索单元，用于搜索获得所述位置信息对应的本地新闻；从所述本地新闻中获取预设类型的事件作为所述本地事件。
  15. 一种计算机可读存储介质，其上存储有计算机程序，该程序被处理器执行时实现以下步骤：
    获取并判断用户支付业务的业务数据是否在业务指标范围内；
    若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；
    获得所述位置信息对应的本地事件；
    根据所述本地事件确认是否对所述业务数据进行报警。
  16. 一种电子设备，包括有存储器，以及一个或者一个以上的程序，其中一个或者一个以上程序存储于存储器中，且经配置以由一个或者一个以上处理器执行所述一个或者一个以上程序包含用于进行以下操作的指令：
    获取并判断用户支付业务的业务数据是否在业务指标范围内；
    若所述业务数据不在所述业务指标范围内，获得所述业务数据对应的目标客户所在的位置信息；
    获得所述位置信息对应的本地事件；
    根据所述本地事件确认是否对所述业务数据进行报警。
PCT/CN2019/073823 2018-04-04 2019-01-30 一种业务数据处理方法、装置及电子设备 Ceased WO2019192255A1 (zh)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG11202006073PA SG11202006073PA (en) 2018-04-04 2019-01-30 Service data processing method, apparatus, and electronic device
US16/886,235 US11170368B2 (en) 2018-04-04 2020-05-28 Service data processing method, apparatus, and electronic device
US17/359,856 US11361311B2 (en) 2018-04-04 2021-06-28 Service data processing method, apparatus, and electronic device

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201810301193.2 2018-04-04
CN201810301193.2A CN110348653B (zh) 2018-04-04 2018-04-04 一种业务数据处理方法、装置及电子设备

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US16/886,235 Continuation US11170368B2 (en) 2018-04-04 2020-05-28 Service data processing method, apparatus, and electronic device

Publications (1)

Publication Number Publication Date
WO2019192255A1 true WO2019192255A1 (zh) 2019-10-10

Family

ID=68099855

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2019/073823 Ceased WO2019192255A1 (zh) 2018-04-04 2019-01-30 一种业务数据处理方法、装置及电子设备

Country Status (5)

Country Link
US (2) US11170368B2 (zh)
CN (1) CN110348653B (zh)
SG (1) SG11202006073PA (zh)
TW (1) TWI715930B (zh)
WO (1) WO2019192255A1 (zh)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110348653B (zh) * 2018-04-04 2020-07-07 阿里巴巴集团控股有限公司 一种业务数据处理方法、装置及电子设备
CN111010527B (zh) * 2019-12-19 2021-05-14 易谷网络科技股份有限公司 一种通过短信链接建立视频通话的方法及相关装置
WO2025169772A1 (ja) * 2024-02-08 2025-08-14 株式会社日立ハイテク 自動分析装置、自動分析システム及び分析結果抽出方法

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101610315A (zh) * 2008-06-19 2009-12-23 三星电子株式会社 用于控制便携式终端中的位置告警的设备和方法
CN104115178A (zh) * 2011-11-30 2014-10-22 汤姆森路透社全球资源公司 基于新闻和情绪分析来预测市场行为的方法和系统
US20160055431A1 (en) * 2014-08-20 2016-02-25 Mastercard International Incorporated System and method for generating itineraries and weather forecast displays

Family Cites Families (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB0621189D0 (en) * 2006-10-25 2006-12-06 Payfont Ltd Secure authentication and payment system
US8271413B2 (en) * 2008-11-25 2012-09-18 Google Inc. Providing digital content based on expected user behavior
WO2013049006A2 (en) * 2011-09-26 2013-04-04 Visa International Service Association Monitoring and limiting requests to access system resources
US20140129505A1 (en) * 2012-11-08 2014-05-08 Microsoft Corporation Social event recommendation system
CN104065634B (zh) * 2013-05-07 2015-08-19 腾讯科技（深圳）有限公司 网络游戏盗号处理方法和系统
US9691104B2 (en) * 2014-09-19 2017-06-27 Mastercard International Incorporated System and method for providing revenue protection based on weather derivatives and merchant transaction data
CN105991609B (zh) * 2015-03-02 2019-08-23 阿里巴巴集团控股有限公司 一种风险事件确定方法及装置
CN104799518B (zh) * 2015-04-28 2017-05-24 百度在线网络技术（北京）有限公司 智能钱包及其控制方法和装置
US9972011B2 (en) * 2015-08-13 2018-05-15 Mastercard International Incorporated Systems and methods for monitoring authentication of transactions to payment networks
GB201516617D0 (en) * 2015-09-18 2015-11-04 Mastercard International Inc Verification for payment transations
CN106097663A (zh) * 2016-08-22 2016-11-09 深圳市宏电技术股份有限公司 一种灾害报警的方法和系统
US10706433B2 (en) * 2017-01-25 2020-07-07 Mastercard International Incorporated Individual level learning mechanism
CN110348653B (zh) * 2018-04-04 2020-07-07 阿里巴巴集团控股有限公司 一种业务数据处理方法、装置及电子设备

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101610315A (zh) * 2008-06-19 2009-12-23 三星电子株式会社 用于控制便携式终端中的位置告警的设备和方法
CN104115178A (zh) * 2011-11-30 2014-10-22 汤姆森路透社全球资源公司 基于新闻和情绪分析来预测市场行为的方法和系统
US20160055431A1 (en) * 2014-08-20 2016-02-25 Mastercard International Incorporated System and method for generating itineraries and weather forecast displays

Also Published As

Publication number Publication date
US20200294036A1 (en) 2020-09-17
SG11202006073PA (en) 2020-07-29
US11170368B2 (en) 2021-11-09
TW201942785A (zh) 2019-11-01
CN110348653B (zh) 2020-07-07
US20210326861A1 (en) 2021-10-21
TWI715930B (zh) 2021-01-11
US11361311B2 (en) 2022-06-14
CN110348653A (zh) 2019-10-18

Similar Documents

Publication Publication Date Title
US12033119B2 (en) Integrated home scoring system
US20240161599A1 (en) System and method for monitoring a building
US20180033087A1 (en) Connected devices for detecting and responding to events in an environment
US9721457B2 (en) Global positioning system equipped with hazard detector and a system for providing hazard alerts thereby
US10142213B1 (en) Techniques for providing event driven notifications
US11361311B2 (en) Service data processing method, apparatus, and electronic device
CN114490272A (zh) 数据处理方法及装置、电子设备和计算机可读存储介质
CN114398354A (zh) 数据监测方法、装置、电子设备及存储介质
KR102318092B1 (ko) IoT 및 빅데이터를 활용한 재난안전통합 제어방법 및 시스템
CN116582413A (zh) 基于分布式架构的告警抑制方法、装置、设备及存储介质
US10579223B2 (en) Trusted device identification and event monitoring
CN104702673A (zh) 一种服务信息的获取方法及可穿戴设备
CN110633165B (zh) 故障处理方法、装置、系统服务器及计算机可读存储介质
KR102163457B1 (ko) 시장화재 감지 안내 시스템
US20250191098A1 (en) Computer-implemented system and method for providing emergency alerts
JP2017053139A (ja) ダム管理システム及びダム情報管理方法
CN109218062B (zh) 基于置信区间的互联网业务报警方法和装置
CN115798150A (zh) 防灾预警方法、装置、设备及存储介质
CN114996119A (zh) 故障诊断方法、装置、电子设备及存储介质
CN108089936A (zh) 终端自动检测报修的方法、移动终端及具有存储功能装置
WO2019033329A1 (zh) 一种电子报警系统、报警方法及电子设备
CA3088080A1 (en) Integrated home scoring system
US20220256324A1 (en) Geographical public alerting and distress call solution
JP2024071855A (ja) ニオイ検出通知装置
CN117076267A (zh) 基于告警自动诊断的监控方法、装置、电子设备及介质

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 19780590

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 19780590

Country of ref document: EP

Kind code of ref document: A1