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Comprehensive analysis method for financial transaction data

A financial transaction and comprehensive analysis technology, applied in the field of comprehensive analysis of financial transaction data, can solve problems such as finding and finding transaction failures

Active Publication Date: 2021-01-08
桦蓥(上海)信息科技有限责任公司
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Problems solved by technology

Payment is a long-link transaction activity with many participants, including: cardholders or payment users, merchants, acquirers, card issuers, Nets Union or UnionPay and other related institutions. The factor causing transaction failure may be a single factor, but It is more a combination or superposition of multiple factors, and many failure factors cannot be judged simply by one point
[0003] In addition, the current transaction success rate is very high, generally the overall transaction success rate is about 99%, facing the massive payment transaction data, how to find and find the transaction failure The problem and the reason is a very difficult thing

Method used

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  • Comprehensive analysis method for financial transaction data
  • Comprehensive analysis method for financial transaction data
  • Comprehensive analysis method for financial transaction data

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Embodiment Construction

[0090] The technical solution of the present invention will be further described in detail below in conjunction with the accompanying drawings, but the protection scope of the present invention is not limited to the following description.

[0091] like figure 1 As shown, a comprehensive analysis method for financial transaction data includes the following steps:

[0092] S1. Given multiple factors that affect the quality of financial transaction data, and select one of the factors, obtain different object information under this factor, and divide the financial transaction data to be analyzed into each object;

[0093] S2. Analyze the abnormal objects according to the financial transaction data under each object;

[0094] S3. Select one of the abnormal objects as the target financial object for screening analysis, and the given remaining factors except the selected factors as the attributes of the target financial object;

[0095] S4. Analyze the single abnormal attribute set...

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Abstract

The invention discloses a comprehensive analysis method for financial transaction data. The comprehensive analysis method comprises the following steps: S1, dividing financial transaction data to be analyzed to each object; S2, analyzing an abnormal object according to the financial transaction data under each object; S3, selecting one abnormal object as a target financial object for screening analysis, and taking given remaining factors except selected factors as attributes of the target financial object; S4, analyzing a single abnormal attribute set D of the target financial object; S5, obtaining an association rule set T; S6, based on the number of failure strokes and the transaction failure rate, combining the association rules having the inclusion relation in the association rule setT to obtain a set T1; and S7, calculating a transaction failure rate of each association rule in the set T1, and performing priority ranking according to the transaction failure rates from large to small. According to the invention, comprehensive analysis of financial transaction data can be realized, the priority ranking of the association rules is obtained, and the reason of transaction failurecan be quickly determined.

Description

technical field [0001] The invention relates to financial data analysis, in particular to a comprehensive analysis method for financial transaction data. Background technique [0002] As far as today's society is concerned, mobile payment has become the mainstream. How to submit transaction success rate and enhance user experience is a problem that payment companies, related merchants and banking institutions need to pay attention to. Payment is a long-link transaction activity with many participants, including: cardholders or payment users, merchants, acquirers, card issuers, Nets Union or UnionPay and other related institutions. The factor causing transaction failure may be a single factor, but It is more a combination or superposition of multiple factors, and many failure factors cannot be judged simply by one point. [0003] In addition, the success rate of current transactions is very high. Generally, the overall transaction success rate is about 99%. In the face of ma...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F16/2458G06F16/2455G06F16/248G06Q40/04
CPCG06F16/2465G06F16/2462G06F16/24564G06F16/248G06Q40/04
Inventor 梅芳
Owner 桦蓥(上海)信息科技有限责任公司
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