WO2023240778A1 - 金融支付平均时长检测系统及方法、金融支付风险防控平台、大数据式电商页面跳转平台及方法 - Google Patents
金融支付平均时长检测系统及方法、金融支付风险防控平台、大数据式电商页面跳转平台及方法 Download PDFInfo
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- 238000007726 management method Methods 0.000 claims description 15
- 238000003062 neural network model Methods 0.000 claims description 12
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Definitions
- the invention relates to the field of financial payment, and in particular to a financial payment average duration detection system and method, a financial payment risk prevention and control platform, and a big data e-commerce page jumping platform and method.
- Financial payment is the payment of various monetary or non-monetary assets in financial transaction activities.
- Finance refers to the issuance, circulation and withdrawal of currency, the issuance and withdrawal of loans, the deposit and withdrawal of deposits, the exchange of exchanges and other economic activities.
- Finance is the reintegration of existing resources to achieve equivalent circulation of value and profit. It is the behavior of people making optimal inter-temporal resource allocation decisions in an uncertain environment.
- There are various financial payment modes such as electronic payment and cash payment.
- the present invention provides a financial payment average duration detection system and method, which can execute financial payment based on a certain hourly time interval of past dates for each city block at an operator operating a financial payment application.
- a financial payment average duration detection system includes:
- the first judgment mechanism is set up at the operator that operates the financial payment application, and is used to obtain the physical addresses corresponding to each mobile terminal where the financial payment application is installed.
- the financial payment application is used to provide users with Shopping payment channel;
- a second judgment mechanism connected to the first judgment mechanism, is used to determine multiple mobile terminals belonging to each city block based on the respective physical addresses corresponding to the respective mobile terminals with the financial payment application installed;
- a third judgment mechanism connected to the second judgment mechanism, is used to perform the following actions for each city block: obtain the average of multiple mobile terminals belonging to the city block within each hourly time interval of the city block.
- the shopping payment duration is taken as the average financial payment duration corresponding to each hourly time interval in the city block;
- a payment analysis device is installed at the operator, connected to the third judgment mechanism, and used to perform the following actions for each city block: a certain hour on each day based on a preset number of city blocks before a certain day in the future.
- the average duration of each financial payment corresponding to the time interval is analyzed.
- the average duration of financial payment corresponding to the certain hourly time interval of the city block in the future day is analyzed as the predicted financial payment data output of the city block;
- the target processing device is connected to the payment analysis device and is used to perform a transaction on the operator for each city block in the future based on the average duration of financial payment corresponding to each hour time interval of each city block in the future. Management of reserved cash amounts within ranges;
- the management of the amount of cash reserved by the operator for each hourly time interval of each day in the future based on the average length of financial payment corresponding to each hourly time interval of the city block in the future includes: The shorter the average duration of financial payments corresponding to a certain hourly time interval on a certain day, the smaller the amount of cash the operator will reserve for the city block in a certain hourly time interval on a certain day in the future.
- a method for detecting the average duration of financial payments includes:
- Use a first judgment mechanism set up at an operator that operates a financial payment application, to obtain the physical addresses corresponding to each mobile terminal where the financial payment application is installed, and the financial payment application is used to provide users with Provide shopping payment channels;
- a second judgment mechanism connected to the first judgment mechanism, for determining multiple mobile terminals belonging to each city block based on the respective physical addresses corresponding to each mobile terminal with the financial payment application installed;
- the average shopping payment duration is taken as the average financial payment duration corresponding to each hourly time interval in the city block;
- a payment analysis device set up at the operator, connected to the third judgment mechanism, and used to perform the following actions for each city block: based on the preset number of the city block before a certain day in the future, a certain whole day on each day. The average duration of each financial payment corresponding to the point time interval is analyzed. The average duration of financial payment corresponding to the certain point time interval of the city block in the future day is used as the predicted financial payment data output of the city block;
- a target processing device connected to the payment analysis device, for executing on the operator based on the average duration of financial payments corresponding to each city block at every hour in the future for each hour in the city block in the future. Management of reserved cash amounts for time periods;
- the management of the amount of cash reserved by the operator for each hourly time interval of each day in the future based on the average length of financial payment corresponding to each hourly time interval of the city block in the future includes: The shorter the average duration of financial payments corresponding to a certain hourly time interval on a certain day, the smaller the amount of cash the operator will reserve for the city block in a certain hourly time interval on a certain day in the future.
- the financial payment application perform intelligent calculation for each city block based on the average duration of financial payments corresponding to a certain hourly time interval in past dates and the average duration of financial payments in the same hourly time interval in future dates. Analysis: the financial payment application is used to provide users with shopping payment channels;
- Figure 1 is a schematic structural diagram of a financial payment average duration detection system according to an embodiment of the present invention.
- Figure 2 is a flow chart of steps of a method for detecting the average duration of financial payments according to an embodiment of the present invention.
- the present invention builds a financial payment average duration detection system and method, which can effectively solve the corresponding technical problems.
- the present invention needs to have at least the following two significant technical effects: (1) At the operator that operates the financial payment application, the financial payment corresponding to a certain hourly time interval of the past date is executed for each city block.
- the average duration is an intelligent analysis of the average duration of financial payments in the same hourly time interval on future dates.
- the financial payment application is used to provide users with shopping payment channels; (2) Based on city blocks in each hourly time interval on future days
- the corresponding average duration of financial payment implements the management of the amount of cash reserved by the operator for each hourly time interval every day in the future. The shorter the average duration of financial payment corresponding to the city block at a certain hourly time interval on a certain day in the future, the shorter the average duration of financial payment will be.
- Figure 1 is a schematic structural diagram of a financial payment average duration detection system according to an embodiment of the present invention.
- the system includes:
- the first judgment mechanism is provided at the operator that operates the financial payment application, and is used to obtain the physical addresses corresponding to each mobile terminal where the financial payment application is installed.
- the financial payment application is used to provide users with Shopping payment channel;
- a second judgment mechanism connected to the first judgment mechanism, is used to determine multiple mobile terminals belonging to each city block based on the respective physical addresses corresponding to the respective mobile terminals with the financial payment application installed;
- a third judgment mechanism connected to the second judgment mechanism, is used to perform the following actions for each city block: obtain the average of multiple mobile terminals belonging to the city block within each hourly time interval of the city block.
- the shopping payment duration is taken as the average financial payment duration corresponding to each hourly time interval in the city block;
- a payment analysis device is installed at the operator, connected to the third judgment mechanism, and used to perform the following actions for each city block: a certain hour on each day based on a preset number of city blocks before a certain day in the future.
- the average duration of each financial payment corresponding to the time interval is analyzed.
- the average duration of financial payment corresponding to the certain hourly time interval of the city block in the future day is analyzed as the predicted financial payment data output of the city block;
- the target processing device is connected to the payment analysis device and is used to perform a transaction on the operator for each city block in the future based on the average duration of financial payment corresponding to each hour time interval of each city block in the future. Management of reserved cash amounts within ranges;
- the management of the amount of cash reserved by the operator for each hourly time interval of each day in the future based on the average length of financial payment corresponding to each hourly time interval of the city block in the future includes: The shorter the average duration of financial payments corresponding to a certain hourly time interval on a certain day, the smaller the amount of cash the operator will reserve for the city block in a certain hourly time interval on a certain day in the future;
- a network transceiver device is installed at the operator to establish network connection channels between the first judgment mechanism and each mobile terminal in which the financial payment application is installed;
- the first judgment mechanism obtains each physical address corresponding to each mobile terminal in which the financial payment application is installed through the network transceiver device;
- the average length of financial payment as the predicted financial payment data output of the city block includes: using a neural network model to complete the analysis and processing;
- using a neural network model to complete the analysis processing includes: the neural network model is a convolutional neural network that completes learning actions.
- Obtaining the average shopping payment duration of multiple mobile terminals belonging to the city block within each hourly time interval of the city block as the average financial payment duration corresponding to each hourly time interval of the city block includes: obtaining all The average shopping payment time of each mobile terminal belonging to the city block within each hourly time interval of the city block is calculated as the arithmetic mean of the multiple average shopping payment time corresponding to multiple mobile terminals in the city block. Process to obtain the average duration of financial payments corresponding to each hourly time interval in the city block.
- Obtaining the average shopping payment duration of each mobile terminal belonging to the city block in each hourly time interval of the city block includes: Accumulate the payment duration of each shopping record that has completed settlement and perform an average calculation to obtain the average shopping payment duration of a certain mobile terminal belonging to the city block within the entire time interval;
- the payment duration of each shopping record that a certain mobile terminal belonging to the city block completes the settlement in each hour time interval is accumulated and an average calculation is performed to obtain the payment time period belonging to the said city block.
- the average shopping payment time of a certain mobile terminal in a city block includes: the payment time of each shopping record is the interval between the order placing time and checkout time of the shopping record.
- Obtaining the physical addresses corresponding to each mobile terminal with the financial payment application installed includes: determining the logistics address corresponding to each mobile terminal by parsing the IP address of each mobile terminal with the financial payment application installed;
- determining the logistics address corresponding to each mobile terminal by analyzing the IP address of each mobile terminal in which the financial payment application is installed includes: analyzing each mobile terminal in which the financial payment application is installed according to the allocation rules of the IP address.
- the IP address of a mobile terminal determines the logistics address corresponding to each mobile terminal.
- Figure 2 is a flow chart of a method for detecting the average duration of financial payments according to an embodiment of the present invention. The method includes:
- Step S201 Use a first judgment mechanism, set up at an operator that operates a financial payment application, to obtain each physical address corresponding to each mobile terminal where the financial payment application is installed.
- the financial payment application uses To provide users with shopping payment channels;
- Step S202 Use a second judgment mechanism, connected to the first judgment mechanism, to determine multiple mobile phones belonging to each city block based on the physical addresses corresponding to each mobile terminal where the financial payment application is installed. terminal;
- Step S203 Use a third judgment mechanism, connected to the second judgment mechanism, to perform the following actions for each city block: obtain multiple data belonging to the city block within each hourly time interval of the city block.
- the average shopping payment time on the mobile terminal is used as the average financial payment time corresponding to each hourly time interval in the city block;
- Step S204 Use a payment analysis device, installed at the operator, connected to the third judgment mechanism, to perform the following actions for each city block: based on the preset number of days before a certain day in the future for the city block. The average duration of each financial payment corresponding to a certain hourly time interval is analyzed and the average duration of financial payment corresponding to the certain hourly time interval of the city block on a future day is used as the predicted financial payment data output of the city block;
- Step S205 Use the target processing device to connect to the payment analysis device to execute the operator's calculation of the financial payment for each city block every day in the future based on the average duration of financial payment corresponding to each hour time interval of each city block in the future. Management of the amount of cash reserved for each hourly time interval;
- the management of the amount of cash reserved by the operator for each hourly time interval of each day in the future based on the average length of financial payment corresponding to each hourly time interval of the city block in the future includes: The shorter the average duration of financial payments corresponding to a certain hourly time interval on a certain day, the smaller the amount of cash the operator will reserve for the city block in a certain hourly time interval on a certain day in the future.
- the average financial payment duration detection method may also include:
- Use network transceiver equipment installed at the operator, to establish network connection channels between the first judgment mechanism and each mobile terminal with the financial payment application installed;
- the first judgment mechanism obtains each physical address corresponding to each mobile terminal in which the financial payment application is installed through the network transceiver device;
- the average length of financial payment as the predicted financial payment data output of the city block includes: using a neural network model to complete the analysis and processing;
- using a neural network model to complete the analysis processing includes: the neural network model is a convolutional neural network that completes learning actions.
- Obtaining the average shopping payment duration of multiple mobile terminals belonging to the city block within each hourly time interval of the city block as the average financial payment duration corresponding to each hourly time interval of the city block includes: obtaining all The average shopping payment time of each mobile terminal belonging to the city block within each hourly time interval of the city block is calculated as the arithmetic mean of the multiple average shopping payment time corresponding to multiple mobile terminals in the city block. Process to obtain the average duration of financial payments corresponding to each hourly time interval in the city block.
- Obtaining the average shopping payment duration of each mobile terminal belonging to the city block in each hourly time interval of the city block includes: Accumulate the payment duration of each shopping record that has completed settlement and perform an average calculation to obtain the average shopping payment duration of a certain mobile terminal belonging to the city block within the entire time interval;
- the payment duration of each shopping record that a certain mobile terminal belonging to the city block completes the settlement in each hour time interval is accumulated and an average calculation is performed to obtain the payment time period belonging to the said city block.
- the average shopping payment time of a certain mobile terminal in a city block includes: the payment time of each shopping record is the interval between the order placing time and checkout time of the shopping record.
- Obtaining the physical addresses corresponding to each mobile terminal with the financial payment application installed includes: determining the logistics address corresponding to each mobile terminal by analyzing the IP address of each mobile terminal with the financial payment application installed.
- the first judgment mechanism has a built-in data analysis unit for obtaining each IP address corresponding to each mobile terminal where the financial payment application is installed, and The logistics address corresponding to each mobile terminal is determined by analyzing the IP address of each mobile terminal in which the financial payment application is installed.
- the average financial payment duration detection system and method of the present invention in view of the technical problem in the prior art that operators operating financial payment applications are difficult to achieve precise management of reserved cash amounts at every moment of the day, it can be used to operate financial payment applications.
- At the operator's office for each city block, an intelligent analysis based on the average duration of financial payment corresponding to a certain hourly time interval in past dates and the average duration of financial payment in the same hourly time interval in future dates is performed, thereby providing operators with a solution for each The amount of cash payments set aside by city blocks provides key reference information.
Abstract
本发明涉及一种金融支付平均时长检测系统，包括：支付分析设备，设置在运营金融支付应用程序的运营商处，用于基于每一城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长；目标处理设备，用于基于每个城市街区在未来每天每个整点时间区间对应的金融支付平均时长执行对运营商未来为所述城市街区每天每个整点时间区间的预留的现金数额的管理。本发明还涉及一种金融支付平均时长检测方法、金融支付风险防控平台、大数据式电商页面跳转平台及方法。通过本发明，能够在运营商处执行对每一城市街区未来日期同一整点时间区间的金融支付平均时长的智能分析，从而提升了运营商现金的利用率。
Description
本发明涉及金融支付领域，尤其涉及一种金融支付平均时长检测系统及方法、金融支付风险防控平台、大数据式电商页面跳转平台及方法。
金融支付是金融交易活动中的各种货币或非货币资产的支付。金融指货币的发行、流通和回笼，贷款的发放和收回，存款的存入和提取，汇兑的往来等经济活动。金融就是对现有资源进行重新整合之后，实现价值和利润的等效流通，是人们在不确定环境中进行资源跨期的最优配置决策的行为。存在电子支付、现金支付等多种金融支付模式。
当前，电子支付已广泛应用于社会的各个消费领域，通过电子支付的方式完成商品的金融支付，能够加快用户和商家的沟通速度，提升金融资源的流动速度。然而，对于运营金融支付应用程序的运营商来说，希望在保证正常运营的情况下提升现金的利用率，从而能够保持甚至扩大自己的经营规模。
发明内容
为了解决上述问题，本发明提供了一种金融支付平均时长检测系统及方法，能够在运营金融支付应用程序的运营商处，针对每一城市街区执行基于过往日期某个整点时间区间对应的金融支付平均时长对未来日期同 一整点时间区间的金融支付平均时长的智能分析，从而为运营商为每一城市街区预留的现金款项的数额提供关键的参考信息。
根据本发明的一方面，提供了一种金融支付平均时长检测系统，所述系统包括：
第一判断机构，设置在运营金融支付应用程序的运营商处，用于获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址，所述金融支付应用程序用于为用户提供购物支付通道；
第二判断机构，与所述第一判断机构连接，用于基于安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址确定归属于每一个城市街区的多个移动终端；
第三判断机构，与所述第二判断机构连接，用于针对每一城市街区执行以下动作：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长；
支付分析设备，设置在运营商处，与所述第三判断机构连接，用于针对每一城市街区执行以下动作：基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出；
目标处理设备，与所述支付分析设备连接，用于基于每个城市街区在未来每天每个整点时间区间对应的金融支付平均时长执行对运营商未来为所述城市街区每天每个整点时间区间的预留的现金数额的管理；
其中，基于所述城市街区在未来各天每个整点时间区间对应的金融支付平均时长执行对运营商未来每天每个整点时间区间预留的现金数额的 管理包括：所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的现金数额越少。
根据本发明的另一方面，还提供了一种金融支付平均时长检测方法，所述方法包括：
使用第一判断机构，设置在运营金融支付应用程序的运营商处，用于获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址，所述金融支付应用程序用于为用户提供购物支付通道；
使用第二判断机构，与所述第一判断机构连接，用于基于安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址确定归属于每一个城市街区的多个移动终端；
使用第三判断机构，与所述第二判断机构连接，用于针对每一城市街区执行以下动作：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长；
使用支付分析设备，设置在运营商处，与所述第三判断机构连接，用于针对每一城市街区执行以下动作：基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出；
使用目标处理设备，与所述支付分析设备连接，用于基于每个城市街区在未来每天每个整点时间区间对应的金融支付平均时长执行对运营商未来为所述城市街区每天每个整点时间区间的预留的现金数额的管理；
其中，基于所述城市街区在未来各天每个整点时间区间对应的金融支 付平均时长执行对运营商未来每天每个整点时间区间预留的现金数额的管理包括：所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的现金数额越少。
由此可见，本发明至少需要具备以下两处显著的技术效果：
(1)在运营金融支付应用程序的运营商处，针对每一城市街区执行基于过往日期某个整点时间区间对应的金融支付平均时长对未来日期同一整点时间区间的金融支付平均时长的智能分析，所述金融支付应用程序用于为用户提供购物支付通道；
(2)基于城市街区在未来各天每个整点时间区间对应的金融支付平均时长执行对运营商未来每天每个整点时间区间的预留的现金数额的管理，所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的现金数额越少，从而在保证正常运营的情况下提升现金的利用率。
以下将结合附图对本发明的实施方案进行描述，其中：
图1为根据本发明实施方案示出的金融支付平均时长检测系统的结构示意图。
图2为根据本发明实施方案示出的金融支付平均时长检测方法的步骤流程图。
下面将参照附图对本发明的金融支付平均时长检测方法的实施方案进行详细说明。
随着国际互联网迅速走向普及化，逐步从大学、科研机构走向企业和家庭，其功能也从信息共享演变为一种大众化的信息传播手段，商业贸易活动逐步进入这个王国。通过使用因特网，即降低了成本，也造就了更多的商业机会，电子商务技术从而得以发展，使其逐步成为了互联网应用的最大热点。为适应电子商务这一市场潮流，电子支付随之发展起来。当前，电子支付已广泛应用于社会的各个消费领域，通过电子支付的方式完成商品的金融支付，能够加快用户和商家的沟通速度，提升金融资源的流动速度。然而，对于运营金融支付应用程序的运营商来说，希望在保证正常运营的情况下提升现金的利用率，从而能够保持甚至扩大自己的经营规模。
为了克服上述不足，本发明搭建了一种金融支付平均时长检测系统及方法，能够有效解决相应的技术问题。
由此可见，本发明至少需要具备以下两处显著的技术效果：(1)在运营金融支付应用程序的运营商处，针对每一城市街区执行基于过往日期某个整点时间区间对应的金融支付平均时长对未来日期同一整点时间区间的金融支付平均时长的智能分析，所述金融支付应用程序用于为用户提供购物支付通道；(2)基于城市街区在未来各天每个整点时间区间对应的金融支付平均时长执行对运营商未来每天每个整点时间区间的预留的现金数额的管理，所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的现金数额越少，从而在保证正常运营的情况下提升现金的利用率。
图1为根据本发明实施方案示出的金融支付平均时长检测系统的结构示意图，所述系统包括：
第一判断机构，设置在运营金融支付应用程序的运营商处，用于获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址， 所述金融支付应用程序用于为用户提供购物支付通道；
第二判断机构，与所述第一判断机构连接，用于基于安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址确定归属于每一个城市街区的多个移动终端；
第三判断机构，与所述第二判断机构连接，用于针对每一城市街区执行以下动作：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长；
支付分析设备，设置在运营商处，与所述第三判断机构连接，用于针对每一城市街区执行以下动作：基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出；
目标处理设备，与所述支付分析设备连接，用于基于每个城市街区在未来每天每个整点时间区间对应的金融支付平均时长执行对运营商未来为所述城市街区每天每个整点时间区间的预留的现金数额的管理；
其中，基于所述城市街区在未来各天每个整点时间区间对应的金融支付平均时长执行对运营商未来每天每个整点时间区间预留的现金数额的管理包括：所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的现金数额越少；
网络收发设备，设置在所述运营商处，为所述第一判断机构与安装有所述金融支付应用程序的各个移动终端之间分别建立网络连接通道；
其中，所述第一判断机构通过所述网络收发设备获取安装有所述金融 支付应用程序的各个移动终端分别对应的各个物理地址；
其中，基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出包括：采用神经网络模型完成所述分析处理；
其中，采用神经网络模型完成所述分析处理包括：所述神经网络模型为完成学习动作的卷积神经网络。
接着，继续对本发明的金融支付平均时长检测系统的具体结构进行进一步的说明。
在所述金融支付平均时长检测系统中：
获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长包括：获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长，将所述城市街区的多个移动终端分别对应的多个平均购物支付时长执行算术平均值处理以获得所述城市街区每个整点时间区间对应的金融支付平均时长。
在所述金融支付平均时长检测系统中：
获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长包括：将归属于所述城市街区的某个移动终端在每个整点时间区间内完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长；
其中，将归属于所述城市街区的某个移动终端在每个整点时间区间内完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整 点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长包括：每个购物记录的支付时长为所述购物记录的下单时间和结账时间之间的间隔时长。
以及在所述金融支付平均时长检测系统中：
获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址包括：通过解析安装有所述金融支付应用程序的每一个移动终端的IP地址确定每一个移动终端对应的物流地址；
其中，通过解析安装有所述金融支付应用程序的每一个移动终端的IP地址确定每一个移动终端对应的物流地址包括：可以根据IP地址的分配规则通过解析安装有所述金融支付应用程序的每一个移动终端的IP地址确定每一个移动终端对应的物流地址。
图2为根据本发明实施方案示出的金融支付平均时长检测方法的步骤流程图，所述方法包括：
步骤S201：使用第一判断机构，设置在运营金融支付应用程序的运营商处，用于获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址，所述金融支付应用程序用于为用户提供购物支付通道；
步骤S202：使用第二判断机构，与所述第一判断机构连接，用于基于安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址确定归属于每一个城市街区的多个移动终端；
步骤S203：使用第三判断机构，与所述第二判断机构连接，用于针对每一城市街区执行以下动作：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长；
步骤S204：使用支付分析设备，设置在运营商处，与所述第三判断机 构连接，用于针对每一城市街区执行以下动作：基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出；
步骤S205：使用目标处理设备，与所述支付分析设备连接，用于基于每个城市街区在未来每天每个整点时间区间对应的金融支付平均时长执行对运营商未来为所述城市街区每天每个整点时间区间的预留的现金数额的管理；
其中，基于所述城市街区在未来各天每个整点时间区间对应的金融支付平均时长执行对运营商未来每天每个整点时间区间预留的现金数额的管理包括：所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的现金数额越少。
接着，继续对本发明的金融支付平均时长检测方法的具体步骤进行进一步的说明。
所述金融支付平均时长检测方法还可以包括：
使用网络收发设备，设置在所述运营商处，为所述第一判断机构与安装有所述金融支付应用程序的各个移动终端之间分别建立网络连接通道；
其中，所述第一判断机构通过所述网络收发设备获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址；
其中，基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出包括：采用神经网络模型完成所述分析处理；
其中，采用神经网络模型完成所述分析处理包括：所述神经网络模型为完成学习动作的卷积神经网络。
在所述金融支付平均时长检测方法中：
获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长包括：获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长，将所述城市街区的多个移动终端分别对应的多个平均购物支付时长执行算术平均值处理以获得所述城市街区每个整点时间区间对应的金融支付平均时长。
在所述金融支付平均时长检测方法中：
获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长包括：将归属于所述城市街区的某个移动终端在每个整点时间区间内完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长；
其中，将归属于所述城市街区的某个移动终端在每个整点时间区间内完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长包括：每个购物记录的支付时长为所述购物记录的下单时间和结账时间之间的间隔时长。
以及在所述金融支付平均时长检测方法中：
获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址包括：通过解析安装有所述金融支付应用程序的每一个移动终端的IP地址确定每一个移动终端对应的物流地址。
另外，在所述金融支付平均时长检测系统及方法中，所述第一判断机构内置有数据解析单元，用于获取安装有所述金融支付应用程序的各个移动终端分别对应的各个IP地址，并通过解析安装有所述金融支付应用程序的每一个移动终端的IP地址确定每一个移动终端对应的物流地址。
采用本发明的金融支付平均时长检测系统及方法，针对现有技术中运营金融支付应用程序的运营商难以实现每日每刻预留现金款项的精细管理的技术问题，能够在运营金融支付应用程序的运营商处，针对每一城市街区执行基于过往日期某个整点时间区间对应的金融支付平均时长对未来日期同一整点时间区间的金融支付平均时长的智能分析，从而为运营商为每一城市街区预留的现金款项的数额提供关键的参考信息。
尽管本发明优选实施方案已经举例说明和描述，但可以意识到，在不背离本发明的主旨和范围的条件下，可以进行各种变化。
Claims (10)
- 一种金融支付平均时长检测系统，其特征在于，所述系统包括：第一判断机构，设置在运营金融支付应用程序的运营商处，用于获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址，所述金融支付应用程序用于为用户提供购物支付通道；第二判断机构，与所述第一判断机构连接，用于基于安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址确定归属于每一个城市街区的多个移动终端；第三判断机构，与所述第二判断机构连接，用于针对每一城市街区执行以下动作：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长；支付分析设备，设置在运营商处，与所述第三判断机构连接，用于针对每一城市街区执行以下动作：基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出；目标处理设备，与所述支付分析设备连接，用于基于每个城市街区在未来每天每个整点时间区间对应的金融支付平均时长执行对运营商未来为所述城市街区每天每个整点时间区间的预留的现金数额的管理；其中，基于所述城市街区在未来各天每个整点时间区间对应的金融支付平均时长执行对运营商未来每天每个整点时间区间预留的现金数额的管理包括：所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的 现金数额越少。
- 如权利要求1所述的金融支付平均时长检测系统，其特征在于，所述系统还包括：网络收发设备，设置在所述运营商处，为所述第一判断机构与安装有所述金融支付应用程序的各个移动终端之间分别建立网络连接通道；其中，所述第一判断机构通过所述网络收发设备获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址；其中，基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出包括：采用神经网络模型完成所述分析处理；其中，采用神经网络模型完成所述分析处理包括：所述神经网络模型为完成学习动作的卷积神经网络。
- 如权利要求1-2任一所述的金融支付平均时长检测系统，其特征在于：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长包括：获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长，将所述城市街区的多个移动终端分别对应的多个平均购物支付时长执行算术平均值处理以获得所述城市街区每个整点时间区间对应的金融支付平均时长。
- 如权利要求3所述的金融支付平均时长检测系统，其特征在于：获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长包括：将归属于所述城市街区的某个移动终端在每个整点时间区间内完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长；其中，将归属于所述城市街区的某个移动终端在每个整点时间区间内完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长包括：每个购物记录的支付时长为所述购物记录的下单时间和结账时间之间的间隔时长。
- 如权利要求1-2任一所述的金融支付平均时长检测系统，其特征在于：获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址包括：通过解析安装有所述金融支付应用程序的每一个移动终端的IP地址确定每一个移动终端对应的物流地址。
- 一种金融支付平均时长检测方法，其特征在于，所述方法包括：使用第一判断机构，设置在运营金融支付应用程序的运营商处，用于获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址，所述金融支付应用程序用于为用户提供购物支付通道；使用第二判断机构，与所述第一判断机构连接，用于基于安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址确定归属于 每一个城市街区的多个移动终端；使用第三判断机构，与所述第二判断机构连接，用于针对每一城市街区执行以下动作：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长；使用支付分析设备，设置在运营商处，与所述第三判断机构连接，用于针对每一城市街区执行以下动作：基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出；使用目标处理设备，与所述支付分析设备连接，用于基于每个城市街区在未来每天每个整点时间区间对应的金融支付平均时长执行对运营商未来为所述城市街区每天每个整点时间区间的预留的现金数额的管理；其中，基于所述城市街区在未来各天每个整点时间区间对应的金融支付平均时长执行对运营商未来每天每个整点时间区间预留的现金数额的管理包括：所述城市街区在未来某天某个整点时间区间对应的金融支付平均时长越短，运营商为所述城市街区在未来某天某个整点时间区间预留的现金数额越少。
- 如权利要求6所述的金融支付平均时长检测方法，其特征在于，所述方法还包括：使用网络收发设备，设置在所述运营商处，为所述第一判断机构与安装有所述金融支付应用程序的各个移动终端之间分别建立网络连接通道；其中，所述第一判断机构通过所述网络收发设备获取安装有所述金融 支付应用程序的各个移动终端分别对应的各个物理地址；其中，基于所述城市街区在未来某天之前预设数量的各天某个整点时间区间分别对应的各个金融支付平均时长分析所述城市街区在未来某天所述某个整点时间区间对应的金融支付平均时长以作为所述城市街区的预测金融支付数据输出包括：采用神经网络模型完成所述分析处理；其中，采用神经网络模型完成所述分析处理包括：所述神经网络模型为完成学习动作的卷积神经网络。
- 如权利要求6-7任一所述的金融支付平均时长检测方法，其特征在于：获取所述城市街区每个整点时间区间内归属于所述城市街区的多个移动终端的平均购物支付时长以作为所述城市街区每个整点时间区间对应的金融支付平均时长包括：获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长，将所述城市街区的多个移动终端分别对应的多个平均购物支付时长执行算术平均值处理以获得所述城市街区每个整点时间区间对应的金融支付平均时长。
- 如权利要求8所述的金融支付平均时长检测方法，其特征在于：获取所述城市街区每个整点时间区间内归属于所述城市街区的每个移动终端的平均购物支付时长包括：将归属于所述城市街区的某个移动终端在每个整点时间区间内完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长；其中，将归属于所述城市街区的某个移动终端在每个整点时间区间内 完成结算的每个购物记录的支付时长累加并执行均值计算以获得所述整点时间区间内归属于所述城市街区的某个移动终端的平均购物支付时长包括：每个购物记录的支付时长为所述购物记录的下单时间和结账时间之间的间隔时长。
- 如权利要求6-7任一所述的金融支付平均时长检测方法，其特征在于：获取安装有所述金融支付应用程序的各个移动终端分别对应的各个物理地址包括：通过解析安装有所述金融支付应用程序的每一个移动终端的IP地址确定每一个移动终端对应的物流地址。
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