Payment Business Data Processing Method, Device, and Computer Equipment

Abstract

The present application relates to a method, apparatus, and computer device for processing payment service data. The method includes: obtaining a payment service data set, as well as reference service data and first weights respectively corresponding to each payment service data in the payment service data set; obtaining second weights corresponding to each payment service data, where the second weights are determined according to the data types corresponding to each payment service data, and the data types include service access data types, service transaction data types, and service resource input data types; displaying a first health degree of the payment service, where the first health degree is determined according to each payment service data, the reference service data respectively corresponding to each payment service data, the first weights, and the second weights; and when the first health degree is less than or equal to a health degree threshold, sending an alarm message to a terminal with administrator privileges. The solution provided by the present application can improve the accuracy of alarms.

Description

Technical Field

[0001] This application relates to the field of computer technology, and particularly to a method and apparatus for processing payment service data, a computer-readable storage medium, and a computer device. Background Art

[0002] Health is an indicator to measure the health of product operation. Generally speaking, the higher the score corresponding to the health, the healthier and more vibrant the product operation is, and the product operation is in the rising or stable period of the product. Traditional payment service data usually calculates the health only through revenue and expenditure data. However, the traditional payment service data processing method has the problem of inaccurate alarms. Summary of the Invention

[0003] Based on this, in view of the technical problem of inaccurate alarms, it is necessary to provide a method and apparatus for processing payment service data, a computer-readable storage medium, and a computer device.

[0004] A method for processing payment service data includes:

[0005] Obtaining a payment service data set, and reference service data and a first weight respectively corresponding to each payment service data in the payment service data set;

[0006] Obtaining a second weight corresponding to each of the payment service data, where the second weight is determined according to the data type corresponding to each of the payment service data, and the data type includes a service access data type, a service transaction data type, and a service resource input data type;

[0007] Displaying a first health of the payment service, where the first health is determined according to each of the payment service data, the reference service data respectively corresponding to each of the payment service data, the first weight, and the second weight;

[0008] When the first health is less than or equal to a health threshold, sending an alarm message to a terminal with administrator privileges.

[0009] A payment service data processing apparatus, the apparatus includes:

[0010] An obtaining module, configured to obtain a payment service data set, and reference service data and a first weight respectively corresponding to each payment service data in the payment service data set;

[0011] The obtaining module is configured to obtain a second weight corresponding to each of the payment service data, where the second weight is determined according to the data type corresponding to each of the payment service data, and the data type includes a service access data type, a service transaction data type, and a service resource input data type;

[0012] A determination module, configured to display a first health degree of a payment service, where the first health degree is determined according to each piece of the payment service data, the reference service data respectively corresponding to each piece of the payment service data, a first weight, and a second weight;

[0013] A sending module, configured to send an alarm message to a terminal with administrator privileges when the first health degree is less than or equal to a health degree threshold.

[0014] A computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the processor is caused to execute the following steps:

[0015] Obtain a payment service data set, as well as the reference service data and a first weight respectively corresponding to each piece of payment service data in the payment service data set;

[0016] Obtain a second weight corresponding to each piece of the payment service data, where the second weight is determined according to the data type corresponding to each piece of the payment service data, and the data type includes a service access data type, a service transaction data type, and a service resource input data type;

[0017] Display a first health degree of a payment service, where the first health degree is determined according to each piece of the payment service data, the reference service data respectively corresponding to each piece of the payment service data, a first weight, and a second weight;

[0018] When the first health degree is less than or equal to a health degree threshold, send an alarm message to a terminal with administrator privileges.

[0019] A computer device includes a memory and a processor. The memory stores a computer program, and when the computer program is executed by the processor, the processor is caused to execute the following steps:

[0020] Obtain a payment service data set, as well as the reference service data and a first weight respectively corresponding to each piece of payment service data in the payment service data set;

[0021] Obtain a second weight corresponding to each piece of the payment service data, where the second weight is determined according to the data type corresponding to each piece of the payment service data, and the data type includes a service access data type, a service transaction data type, and a service resource input data type;

[0022] Display a first health degree of a payment service, where the first health degree is determined according to each piece of the payment service data, the reference service data respectively corresponding to each piece of the payment service data, a first weight, and a second weight;

[0023] When the first health degree is less than or equal to the health degree threshold, an alarm message is sent to a terminal with administrator privileges.

[0024] The above payment service data processing method, device, computer-readable storage medium and computer device obtain a payment service data set, as well as reference service data and a first weight respectively corresponding to each payment service data in the payment service data set, and obtain a second weight corresponding to each payment service data, where the second weight is determined according to the data type corresponding to each payment service data, and the data type includes a service access data type, a service transaction data type and a service resource input data type. Through the reference service data, the payment service data can be calculated in the same dimension. The first health degree of this scenario of the payment service is determined according to the two weights, and the first health degree of the payment service determined according to the data related to the three types of service access, service transaction and service resources is more accurate, thereby improving the accuracy of the alarm. Description of the Drawings

[0025] Figure 1 It is an application environment diagram of the payment service data processing method in an embodiment;

[0026] Figure 2 It is a flowchart of the payment service data processing method in an embodiment;

[0027] Figure 3 It is a flowchart of predicting the second health degree in an embodiment;

[0028] Figure 4 It is a schematic diagram of the health degree interface in an embodiment;

[0029] Figure 5 It is a flowchart of the payment service data processing method in another embodiment;

[0030] Figure 6 It is a structural block diagram of the payment service data processing device in an embodiment;

[0031] Figure 7 It is a structural block diagram of a computer device in an embodiment. Detailed Embodiments

[0032] In order to make the objectives, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0033] Figure 1It is an application environment diagram of a payment service data processing method in an embodiment. This payment service data processing method is applied to a payment service data processing system. The payment service data processing system includes a first computer device 110 and a second computer device 120. Both the first computer device 110 and the second computer device 120 can be within the blockchain and are connected through a network. The first computer device 110 and the second computer device 120 can both be servers or terminals. The terminal can specifically be a desktop terminal or a mobile terminal, and the mobile terminal can specifically be at least one of a mobile phone, a tablet computer, a laptop computer, etc. The server can be implemented by an independent server or a server cluster composed of multiple servers. The second computer device 120 can be used to collect a payment service data set. The first computer device 110 can be used to obtain the payment service data set. The payment service data processing program can be applied to the first computer device 110. In addition, the payment service data processing method in the embodiments of the present application can be applied to an application environment that only includes the first computer device 110.

[0034] Among them, the blockchain is a new application mode of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, and encryption algorithms. The blockchain, in essence, is a decentralized database and is a string of data blocks generated by using cryptographic methods. Among them, each data block contains information about a batch of network transactions, which is used to verify the validity of the information (anti-counterfeiting) and generate the next block. That is, each data block can be a payment service data set. The blockchain can include a blockchain underlying platform, a platform product service layer, and an application service layer.

[0035] The underlying blockchain platform may include processing modules such as user management, basic services, smart contracts, and operation monitoring. Among them, the user management module is responsible for the identity information management of all blockchain participants, including maintaining the generation of public and private keys (account management), key management, and maintaining the correspondence between the real identity of users and blockchain addresses (permission management). And under authorization, it supervises and audits the transaction situations of certain real identities, and provides rule configuration for risk control (risk control audit). The basic service module is deployed on all blockchain node devices to verify the validity of payment service requests and record them on the storage after consensus on valid requests. For a new payment service request, the basic service first performs interface adaptation parsing and authentication processing (interface adaptation), then encrypts the payment service data through a consensus algorithm (consensus management), transmits it intact and consistently to the shared ledger after encryption (network communication), and performs record storage. The smart contract module is responsible for the registration and issuance of contracts, as well as contract triggering and contract execution. Developers can define contract logic through a certain programming language and publish it to the blockchain (contract registration). And according to the logic of the contract terms, it calls keys or other events to trigger execution, completes the contract logic, and also provides functions for contract upgrade and cancellation. The operation monitoring module is mainly used for terminals with administrator privileges. The operation monitoring module is responsible for the deployment, configuration modification, contract setting, cloud adaptation during the product release process, and visual output of the real-time status during product operation, such as: alarm, monitoring network conditions, monitoring the health status of node devices, monitoring the trend of payment services, etc.

[0036] The platform product service layer provides the basic capabilities and implementation frameworks of typical applications. Developers can build on these basic capabilities and overlay the characteristics of payment services to complete the blockchain implementation of payment service logic. The application service layer provides application services based on the blockchain solution for payment service participants to use.

[0037] In one embodiment, as Figure 2 shown, a method for processing payment service data is provided. This embodiment mainly takes the application of this method to the first computer device 110 in the above Figure 1 as an example for illustration. Referring to Figure 2 , the method for processing payment service data specifically includes the following steps:

[0038] Step 202, obtain a payment service data set, as well as the reference service data and the first weight respectively corresponding to each payment service data in the payment service data set.

[0039] Among them, the payment service data set includes at least two payment service data. Payment service data refers to the values related to payment services. Specifically, the payment service data can be at least two of the total transaction resources, total number of transactions, daily business access volume, monthly business access volume, number of business visitors, business resource input volume, and number of business resource input transactions. The reference service data refers to the target value corresponding to the service data. Each payment service data has a corresponding reference service data. For example, if the number of business visitors is 1.23, the corresponding reference service data can be 2. Each payment service data has a corresponding first weight. The first weights corresponding to each payment service data can be the same or different. The first weight is used to measure the weight that the payment service data occupies in a certain data type.

[0040] Specifically, the payment service data set can be stored in the first computer device or the second computer device. The payment service data processing program obtains the payment service data set, as well as the reference service data and the first weight corresponding to each payment service data respectively. Among them, the sum of the first weights of the payment service data corresponding to the same data type is 100%. For example, the data type of the payment service data is the business access data type. The payment service data corresponding to the business access data type is the business access volume and the number of business visitors, and the business access volume and the number of business visitors respectively correspond to the first weight. Then the sum of the first weights of the business access volume and the number of business visitors corresponding to the payment access data type is 100%.

[0041] Step 204, obtain the second weight corresponding to each payment service data, where the second weight is determined according to the data type corresponding to each payment service data, and the data type includes the business access data type, the business transaction data type, and the business resource input data type.

[0042] Among them, each data type has a corresponding second weight. The second weights corresponding to the payment service data of the same data type are the same. The business access data type refers to the type of data related to business access. The business access data type can reflect the activity information of the business. The business access data type can include at least one payment service data of the daily business access volume, the monthly business access volume, and the number of business visitors.

[0043] The business transaction data type refers to the type of data related to business transactions. The business transaction data type can reflect the fund flow information of the payment service. The business transaction data type can include at least one of the transaction resources and the number of transactions. The business resource input data type refers to the data type related to business resource input.

[0044] The business resource investment data type refers to data related to business resource investment. This data type can reflect operational information about payment business products. Business resource investment data may include at least one of the business resource investment amount and the number of business resource investment transactions.

[0045] Specifically, the second weight is a predetermined weight based on the data type corresponding to the payment service data. Because different data types have varying degrees of importance in the payment service, different weights are required for different service data types. For example, because the business transaction data type is more important than the business resource investment data, the second weight corresponding to the business transaction data type is greater than the second weight for the business resource investment data. The first and second weights can be configured as needed. The sum of the second weights corresponding to all data types is 1, or 100%.

[0046] Step 206 : Displaying a first health level of the payment service, wherein the first health level is determined based on each payment service data, reference service data corresponding to each payment service data, a first weight, and a second weight.

[0047] Different payment services correspond to different payment service data sets. Different payment services have the same maximum score. Payment services may include, but are not limited to, top-up services, ride-hailing services using a QR code, and utility bill payment services.

[0048] Specifically, the payment service data processing program can convert each payment service data into data of the same unit based on the ratio between each payment service data and the corresponding reference service data. Then, a calculation based on the first weight and the second weight can be performed to determine the first health of the payment service. The first health can be regarded as the actual measured health value of the payment service.

[0049] Step 208: When the first health level is less than or equal to the health level threshold, an alarm message is sent to a terminal with administrator authority.

[0050] Specifically, the health threshold refers to a threshold preset on the first computer device. When the first health is less than or equal to the health threshold, the payment service data processing program may issue an alert to a terminal with administrator privileges. The payment service data processing program may display the payment service data, the first health, and the alert on the terminal with administrator privileges.

[0051] The above payment service data processing method obtains a payment service data set, as well as the reference service data and the first weight corresponding to each payment service data in the payment service data set, and obtains the second weight corresponding to each payment service data, where the second weight is determined according to the data type corresponding to each payment service data, and the data type includes a service access data type, a service transaction data type, and a service resource input data type. Through the reference service data, the payment service data can be calculated in the same dimension. According to the two weights, the first health degree of this scenario of the payment service is determined, and according to the data related to the three types of service access, service transaction, and service resources, the first health degree of the payment service is more accurate, so that the timing of sending the alarm information is more accurate, and the accuracy of the alarm is improved.

[0052] In one embodiment, the determination method of the first health degree includes: determining the service sub-score corresponding to each payment service data according to the ratio of each payment service data to the corresponding reference service data; determining the service score corresponding to each payment service data according to the product of each service sub-score and the corresponding first weight and second weight; and determining the first health degree of the payment service according to the sum of the service scores corresponding to each payment service data.

[0053] Specifically, the payment service data processing program determines the service sub-score corresponding to each service data according to the ratio of each payment service to the corresponding reference service data. That is, the unit of each payment service data is converted into the same unit. The payment service data determines the service score corresponding to each payment service data according to the product of each service sub-score and the corresponding first weight and second weight. That is, the score of each payment service data in the payment service is obtained. Then, the payment service data processing program determines the first health degree of the payment service data according to the sum of the service scores corresponding to each payment service data.

[0054] In this embodiment, as shown in Table 1, the following table is the data required for calculating the health degree.

[0055]

[0056]

[0057] Among them, the sum of the second weights wt1 + wt2 + wt3 = 100%. The sum of the first weights corresponding to the same data type is 100%. Among them, wt11 + wt12 = 100%, wt21 + wt22 = 100%, wt31 + wt32 = 100%. Pv (page view) is the page view or click volume, that is, the service access volume. Uv (unique visitor) is the number of independent visitors, that is, the number of service visitors.

[0058] Then, the first health degree

[0059] = {((v11 / B11) * wt11 + (v12 / B12) * wt12) * wt1 + ((v21 / B21) * wt21 + (v22 / B22) * wt22) * wt2 + ((v31 / B31) * wt31 + (v32 / B32) * wt32) * wt3} * 100

[0060] Where, * is the multiplication sign.

[0061] In this embodiment, as shown in Table 2, the specific values required for calculating the first health degree in one embodiment are given.

[0062]

[0063]

[0064] Then, according to the calculation method in this embodiment, the calculation result is 73.66 points.

[0065] The above payment service data processing method can convert different payment service data into data of the same unit according to the ratio of each payment service data to the corresponding reference service data; determine the service sub-scores corresponding to each payment service data, and determine the service scores corresponding to each payment service data according to the product of each service sub-score and the corresponding first weight and second weight; determine the first health degree of the payment service according to the sum of the service scores corresponding to each payment service data, and can determine the first health degree according to two weights and multiple payment service data, improving the accuracy of the health degree result.

[0066] In one embodiment, the payment service data processing method further includes: obtaining a predicted second health degree, where the first health degree is the health degree of the payment service in the first time period, the second health degree is the health degree of the payment service in the second time period, and the second time period is a backward time period of the first time period; when the deviation value between the second health degree and the first health degree reaches a preset deviation value, push the payment service information corresponding to the payment service.

[0067] Where, the first health degree is the health degree of the payment service in the first time period, that is, the measured value of the health degree. For example, if the first time period is February 4, 2020, the second time period can be February 5, 2020. Or, if the first time period is February 2020, the second time period can be March 2020 or April 2020, etc., which is not limited to this. The payment service information includes payment service data and payment service names, the corresponding first health degree and second health degree, etc., which is not limited to this.

[0068] Specifically, the payment service data processing program obtains the predicted second health level. The second health level is the predicted value of the health level. The preset deviation value can be expressed as a percentage or in the form of business scores. When the deviation value between the second health level and the first health level reaches the preset deviation value, the payment service data processing program pushes the payment service information corresponding to the payment service to the administrator terminal. For example, the second health level is 70, the first health level is 80.1, and the preset deviation value is 10. Then the deviation value between the second health level and the first health level is 10.1, which has exceeded the preset deviation value. Or, the preset deviation value is 5%, and the deviation value between the second health level and the first health level is (80.1 - 70) / 80.1 = 12.6%, which has exceeded 5%. Then the payment information corresponding to the payment service is pushed.

[0069] The above payment service data processing method obtains the predicted second health level. When the deviation value between the second health level and the first health level reaches the preset deviation value, it pushes the payment service information corresponding to the payment service, which can automatically push the information related to the payment products with anomalies and avoid loopholes that cannot be solved in time.

[0070] In one embodiment, as Figure 3 shown, it is a schematic flowchart of obtaining the predicted second health level in one embodiment. The obtaining method of the predicted second health level includes:

[0071] Step 302, obtain the first value corresponding to each time period within a preset number of time periods, and the first health level corresponding to the first value.

[0072] Among them, the preset number refers to the numerical value pre-stored in the first computer device. The first value is used to identify each time period. For example, the first value corresponding to the time period of February 4, 2020 is 1, and the first value corresponding to the time period of February 5, 2020 is 2... It is not limited to this.

[0073] Specifically, each time period has a corresponding first health level and is stored in the first computer device. Taking one day as a time period as an example, the preset number of time periods can be 7 days. Then the payment service data processing program obtains the first value corresponding to each day within 7 days and the corresponding first health level. That is, the first health levels corresponding to the 1st day, the 2nd day... the 7th day respectively.

[0074] Step 304, process the first health level function relationship according to the first value and the corresponding first health level.

[0075] Specifically, the payment service data processing program obtains the value of a constant through interpolation or fitting based on the first value and the corresponding first health level, thereby obtaining the first health level function relationship. The first health level function relationship can be a linear function relationship or a non-linear function relationship. Among them, the first health level function relationship includes a time period numerical parameter and a health level parameter.

[0076] In this embodiment, the first health level function relationship can be in the form of y = kx + b. Among them, the constant b calculated by the least squares method is b = y(average) - a * x(average).

[0077] Step 306, obtain the second value corresponding to the second time period.

[0078] Step 308, predict the second health level according to the second value and the first health level function relationship.

[0079] Specifically, the payment service data processing program inputs the second value into the first health level function relationship and calculates the second health level.

[0080] For the above payment service data processing method, the first value corresponding to each time period within a preset number of time periods and the first health level corresponding to the first value are obtained. The first health level function relationship is obtained by processing the first value and the corresponding first health level. The second value corresponding to the second time period is obtained. The second health level is predicted according to the second value and the first health level function relationship, so as to obtain the trend of the health level for product analysis and make the push more accurate.

[0081] In one embodiment, the payment service data processing method further includes: displaying a health level interface, and displaying at least one of the first health level corresponding to the payment service, the payment service data set, the health level trend information, and the weight configuration information on the health level interface. The health level trend information is determined according to the predicted second health level. The second health level is the health level of the payment service in the second time period. The second time period is the backward time period of the first time period. The weight configuration information is used to determine the first weight and the second weight.

[0082] Among them, the health level trend information is used to represent the future health level trend of the payment service. The health level trend information includes the predicted second health level and may also include the known first health level. The health level trend information can be displayed in the form of a picture, or in the form of a curve, or in the form of data, etc., which is not limited to this. The weight configuration information can be used to configure the first weight and the second weight. The weight configuration information can be configured according to requirements.

[0083] Specifically, such as Figure 4As shown, it is a schematic diagram of the health level interface in an embodiment. The payment business data processing program can display the first health level on the terminal with administrator privileges to achieve the visualization of the health level. Among them, the abscissa is the time period identifier. For example, 11-02 can represent November 2nd, and 11-03 represents November 3rd. The three curves respectively represent three different payment businesses. Then, according to each time period and the corresponding first health level, a curve as shown in Figure 4 can be drawn. In the interface shown in Figure 4 , various business scores and the like can also be displayed. Figure 4 The second health level of the second time period can also be displayed in , that is, the business health level trend shown in the figure, namely the health level trend information. For example, if the current time is November 6th, then the second health level corresponding to 11-07 can be displayed through the platform interface. In the health level weight configuration, the first weight and the second weight can be modified.

[0084] The above payment business data processing method, which displays the health level interface and shows at least one of the first health level corresponding to the payment business, the health level trend information, and the weight configuration information in the health level interface. The health level trend information is determined according to the predicted second health level, and the weight configuration information is used to determine the first weight and the second weight, can more intuitively display the payment business data set, the first health level of the payment business, the health level trend, and the configuration information, facilitating the monitoring and decision-making of the payment business product.

[0085] In an embodiment, the payment business data processing method further includes:

[0086] Step (a1), obtaining the first health level and the second health level corresponding to each time period within a preset number of time periods.

[0087] Specifically, each time period has a corresponding first health level and a second health level. The first health level is the measured value of the health level. The second health level is the predicted value of the health level.

[0088] Step (a2), determining the health level deviation value corresponding to each time period according to the first health level and the second health level corresponding to each time period.

[0089] Specifically, the payment business data processing program can determine the health level deviation value corresponding to each time period according to the difference between the first health level and the second health level corresponding to each time period. For example, if the first health level is a and the second health level is b, then the deviation value is (b - a). Or, the payment business data processing program can determine the health level deviation value corresponding to each time period according to the difference between the first health level and the second health level corresponding to each time period and the ratio of the difference to the first health level. For example, if the first health level is a and the second health level is b, then the deviation value is (a - b) / a.

[0090] Step (a3): Determine the average health deviation value corresponding to a preset number of time periods based on the health deviation values corresponding to each time period.

[0091] Specifically, the payment service data processing program can determine the average health deviation value corresponding to a preset number of time periods according to the sum of the health deviation values corresponding to each time period and then divide it by the preset number.

[0092] Predicting the second health based on the target time period digital identifier and the first health function relationship includes:

[0093] Step (a4): Modify the first health function relationship according to the average health deviation value to obtain the second health function relationship.

[0094] Specifically, the payment service data processing program uses the average health deviation value as the constant term in the first health function relationship. For example, if the average health deviation value is 2 and the first health function relationship is y = kx + b, then the second health function relationship is y = kx + b + 2.

[0095] Step (a5): Predict the second health based on the second value and the second health function relationship.

[0096] Specifically, the payment service data processing program inputs the second data into the second health function relationship to calculate the second health.

[0097] In the above payment service data processing method, the first health and the second health corresponding to each time period within a preset number of time periods are obtained. Based on the first health and the second health corresponding to each time period, the average health deviation value corresponding to each time period is determined, and then the first health function relationship is modified, so as to obtain a more accurate second health and improve the accuracy of payment service information push.

[0098] In one embodiment, the payment service data set includes daily transaction resource volume, daily transaction volume, daily service access volume, daily service visitor number, daily service resource input volume, and daily service resource input volume.

[0099] Determining the first health of the payment service according to each payment service data, the reference service data corresponding to each payment service data, the first weight, and the second weight includes:

[0100] Determine the first health of the first type of payment service according to the reference service data, the first weight, and the second weight corresponding to the daily transaction resource volume, the daily transaction volume, the daily service access volume, the daily service visitor number, the daily service resource input volume, and the daily service resource input volume respectively.

[0101] Among them, the daily transaction resource volume can refer to the amount of funds in the transactions of one day. The daily transaction count refers to that for each successful transaction within one day, the count increases by 1. The daily business access volume can refer to the number of views or clicks on the pages of a certain business within one day. The daily business visitor count refers to the number of visitors who access the pages of a certain business within one day. If a visitor accesses the page multiple times on the same day, it is also counted as one time. The daily business resource input volume refers to the amount of resources invested in this payment business within one day, such as the number of coupons invested, or the amount of subsidies invested, etc. The daily business resource input count increases by 1 for each input within one day.

[0102] Specifically, the first type of payment business can refer to a payment business with a usage frequency higher than a preset frequency. For example, the payment business of using a ride code to take a ride, the payment business of ordering food, etc., are not limited to this. The payment business data processing program determines the first health degree of the first type of payment business according to the reference business data, the first weight, and the second weight respectively corresponding to the daily transaction resource volume, the daily transaction count, the daily business access volume, the daily business visitor count, the daily business resource input volume, and the daily business resource input count.

[0103] The above-mentioned payment business data processing method determines the first health degree of the first type of payment business according to the reference business data, the first weight, and the second weight respectively corresponding to the daily transaction resource volume, the daily transaction count, the daily business access volume, the daily business visitor count, the daily business resource input volume, and the daily business resource input count. It can determine the health degree of the first type of payment business according to various business-related data. Then, the health degree calculation methods corresponding to different types of payment businesses can be different, so as to obtain a more accurate health degree, thereby improving the accuracy of alarms.

[0104] In one embodiment, the payment business data set includes the daily transaction resource volume, the daily transaction count, the daily business access volume, the monthly business access volume, the daily business visitor count, the daily business resource input volume, and the daily business resource input count.

[0105] Determining the first health degree of the payment business according to each payment business data, the reference business data, the first weight, and the second weight respectively corresponding to each payment business data includes:

[0106] Determining the first health degree of the second type of payment business according to the reference business data, the first weight, and the second weight respectively corresponding to the daily transaction resource volume, the daily transaction count, the daily business access volume, the monthly business access volume, the daily business visitor count, the daily business resource input volume, and the daily business resource input count, where the usage frequency of the second type of payment business is lower than that of the first type of payment business.

[0107] Among them, the monthly service access volume refers to the number of service accesses within a month. Since the usage frequency of the second type of payment service is lower than that of the first type of payment service, the corresponding payment service data value of the second type of payment service is smaller. Therefore, for the second type of payment service, the first weight corresponding to the monthly service access volume is greater than that of the daily service access volume. The second type of payment service can be, for example, service with a lower usage frequency such as water and electricity bill payment service, etc., but not limited to this.

[0108] In this embodiment, the data types corresponding to the daily transaction resource volume and the daily transaction number are business transaction data types. Then the second weights corresponding to the daily transaction resource volume and the daily transaction number are the same. The data types corresponding to the daily service access volume, the monthly service access volume, and the daily service visitor number are business access number types. Then, the second weights corresponding to the daily service access volume, the monthly service access volume, and the daily service visitor number are the same. The data types corresponding to the daily service resource input volume and the daily service resource input number are business resource input data types. Then, the second weights corresponding to the daily service resource input volume and the daily service resource input number are the same.

[0109] The above payment service data processing method determines the first health degree of the second type of payment service according to the reference service data, the first weight, and the second weight corresponding to the daily transaction resource volume, the daily transaction number, the daily service access volume, the monthly service access volume, the daily service visitor number, the daily service resource input volume, and the daily service resource input number respectively. Among them, the usage frequency of the second type of payment service is lower than that of the first type of payment service. Since the usage frequency of the second type of payment service is relatively low, long-term data such as the monthly service access volume should be considered, which can more accurately determine the health degree, thereby improving the accuracy of the alarm.

[0110] In one embodiment, as Figure 5As shown, it is a schematic flowchart of a payment service data processing method in another embodiment. Among them, the health assessment background system can be located in the first computer device. The health assessment background system obtains PV and UV data, that is, data of the business access data type, the business transaction volume and the number of business transactions corresponding to the business transaction data type, the business resource input volume and the number of business resource input times corresponding to the business resource input data type, and other weighted data. Then the health assessment background system can calculate the first health degree and display it in the health display system. It can be in the terminal health display system with administrator privileges. The health assessment background system can evaluate the health trend based on historical data. And when the health degree rises or falls sharply, an alarm message is sent. The analysis and prediction of the health degree of the payment service are different from the simple analysis of the enterprise's financial income and expenditure to analyze the enterprise's health degree. The existing income data and expenditure data of the business cannot predict the future development and health curve of the product. For example, sometimes we obtain new users by investing resources. In the case of a decrease in income, it may bring a large number of transaction times and active users. The health degree of this payment service should rise, rather than simply decrease because of the decrease in income. And simply measuring the health degree by income and expenditure cannot accurately obtain the health degree of the payment service, let alone improve the accuracy of the timing of sending alarm messages.

[0111] Figure 2 , 3 and 5 are schematic flowcharts of a payment service data processing method in an embodiment. It should be understood that although Figure 2 , 3 and the steps in the flowcharts of 5 are shown in sequence according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps has no strict order limit, and these steps can be executed in other orders. Moreover, Figure 2 , 3 and at least a part of the steps in 5 can include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be executed alternately or alternately with at least a part of other steps or sub-steps or stages of other steps.

[0112] In an embodiment, as Figure 6 shown, it is a structural block diagram of a payment information processing device in an embodiment. A payment information processing device includes an acquisition module 602, a determination module 604, and a sending module 606, where:

[0113] An acquisition module 602, configured to acquire a payment service data set, as well as reference service data and a first weight respectively corresponding to each payment service data in the payment service data set;

[0114] The acquisition module 602 is configured to acquire a second weight corresponding to each payment service data, where the second weight is determined according to the data type corresponding to each payment service data, and the data type includes a service access data type, a service transaction data type, and a service resource input data type;

[0115] A determination module 604, configured to display a first health degree of the payment service, where the first health degree is determined according to each payment service data, the reference service data respectively corresponding to each payment service data, the first weight, and the second weight;

[0116] A sending module 606, configured to send an alarm message to a terminal with administrator privileges when the first health degree is less than or equal to a health degree threshold.

[0117] The above-mentioned payment service data processing device acquires a payment service data set, as well as reference service data and a first weight respectively corresponding to each payment service data in the payment service data set, acquires a second weight corresponding to each payment service data, where the second weight is determined according to the data type corresponding to each payment service data, and the data type includes a service access data type, a service transaction data type, and a service resource input data type. By using the reference service data, the payment service data can be calculated in the same dimension. The first health degree of the payment service scenario is determined according to the two weights, and the first health degree of the payment service determined according to the data related to the three types of service access, service transaction, and service resource is more accurate, so that the timing of sending the alarm message is more accurate, and the accuracy of the alarm is improved.

[0118] In one embodiment, the determination module 604 is configured to determine a service sub-score corresponding to each payment service data according to the ratio of each payment service data to the corresponding reference service data; determine a service score corresponding to each payment service data according to the product of each service sub-score and the corresponding first weight and second weight; and determine the first health degree of the payment service according to the sum of the service scores corresponding to each payment service data.

[0119] The above payment service data processing device can convert different payment service data into data of the same unit according to the ratio of each payment service data to the corresponding reference service data; determine the sub - business scores corresponding to each payment service data, and determine the business scores corresponding to each payment service data according to the product of each sub - business score and the corresponding first weight and second weight; determine the first health degree of the payment service according to the sum of the business scores corresponding to each payment service data, and can determine the first health degree according to two weights and multiple payment service data, improving the accuracy of the health degree result.

[0120] In one embodiment, the obtaining module 602 is further configured to obtain a predicted second health degree, where the second health degree is the health degree of the payment service in a second time period, and the second time period is a backward time period of the first time period. The sending module 606 is configured to push the payment service information corresponding to the payment service when the deviation value between the second health degree and the first health degree reaches a preset deviation value.

[0121] The above payment service data processing device obtains the predicted second health degree, and when the deviation value between the second health degree and the first health degree reaches a preset deviation value, pushes the payment service information corresponding to the payment service, which can automatically push the information related to the payment product with anomalies, avoiding loopholes and unable to be solved in time.

[0122] In one embodiment, the payment service data processing method further includes a display module. The display module is configured to display a health degree interface, and display at least one of the first health degree corresponding to the payment service, the payment service data set, the health degree trend information, and the weight configuration information on the health degree interface. The health degree trend information is determined according to the predicted second health degree, the second health degree is the health degree of the payment service in a second time period, the second time period is a backward time period of the first time period, and the weight configuration information is used to determine the first weight and the second weight.

[0123] The above payment service data processing device displays a health degree interface, and displays at least one of the first health degree corresponding to the payment service, the health degree trend information, and the weight configuration information on the health degree interface. The health degree trend information is determined according to the predicted second health degree, and the weight configuration information is used to determine the first weight and the second weight, which can more intuitively display the payment service data set, the first health degree of the payment service, the health degree trend, and the configuration information, facilitating the monitoring and decision - making of the payment service product.

[0124] In one embodiment, the determining module 604 is configured to obtain the first value corresponding to each time period within a preset number of time periods, and the first health degree corresponding to the first value; process the first value and the corresponding first health degree to obtain a first health degree function relationship; obtain the second value corresponding to the second time period; and predict the second health degree according to the second value and the first health degree function relationship.

[0125] The above payment service data processing device obtains the first values corresponding to each time period within a preset number of time periods, and the first health levels corresponding to the first values, processes the first health level function relation according to the first values and the corresponding first health levels, obtains the second value corresponding to the second time period, and predicts the second health level according to the second value and the first health level function relation, so as to obtain the trend of the health level for product analysis and make the push more accurate.

[0126] In one embodiment, the obtaining module 602 is configured to obtain the first health level and the second health level corresponding to each time period within a preset number of time periods. The determining module 604 is configured to determine the health level deviation value corresponding to each time period according to the first health level and the second health level corresponding to each time period; determine the average health level deviation value corresponding to the preset number of time periods according to the health level deviation values corresponding to each time period; correct the first health level function relation according to the average health level deviation value to obtain the second health level function relation; and predict the second health level according to the second value and the second health level function relation.

[0127] The above payment service data processing device obtains the first health level and the second health level corresponding to each time period within a preset number of time periods, determines the average health level deviation value corresponding to each time period according to the first health level and the second health level corresponding to each time period, and then corrects the first health level function relation, so as to obtain a more accurate second health level and improve the accuracy of payment service information push.

[0128] In one embodiment, the payment service data set includes the daily transaction resource volume, the daily transaction number, the daily service access volume, the daily service visitor number, the daily service resource input volume, and the daily service resource input number. The determining module 604 is configured to determine the first health level of the first type of payment service according to the reference service data, the first weight, and the second weight corresponding to the daily transaction resource volume, the daily transaction number, the daily service access volume, the daily service visitor number, the daily service resource input volume, and the daily service resource input number respectively.

[0129] The above payment service data processing device determines the first health level of the first type of payment service according to the reference service data, the first weight, and the second weight corresponding to the daily transaction resource volume, the daily transaction number, the daily service access volume, the daily service visitor number, the daily service resource input volume, and the daily service resource input number respectively. It can determine the health level of the first type of payment service according to multiple service-related data, and the health level calculation methods corresponding to different types of payment services can be different, so as to obtain a more accurate health level, thereby improving the accuracy of the alarm.

[0130] In one embodiment, the payment service data set includes the daily transaction resource volume, the daily transaction count, the daily service access volume, the monthly service access volume, the daily service visitor count, the daily service resource input volume, and the daily service resource input count. The determination module 604 is configured to determine the first health degree of the second type of payment service according to the reference service data, the first weight, and the second weight corresponding to the daily transaction resource volume, the daily transaction count, the daily service access volume, the monthly service access volume, the daily service visitor count, the daily service resource input volume, and the daily service resource input count respectively, where the usage frequency of the second type of payment service is lower than that of the first type of payment service.

[0131] The above payment service data processing device determines the first health degree of the second type of payment service according to the reference service data, the first weight, and the second weight corresponding to the daily transaction resource volume, the daily transaction count, the daily service access volume, the monthly service access volume, the daily service visitor count, the daily service resource input volume, and the daily service resource input count respectively, where the usage frequency of the second type of payment service is lower than that of the first type of payment service. Since the usage frequency of the second type of payment service is relatively low, long-term data such as the monthly service access volume should be considered, which can more accurately determine the health degree and thus improve the accuracy of the alarm.

[0132] Figure 7 The internal structure diagram of a computer device in one embodiment is shown. The computer device may specifically be Figure 1 the first computer device 110 in Figure 7 As shown, the computer device includes a processor, a memory, and a network interface connected through a system bus. Among them, the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program. When the computer program is executed by the processor, the processor can implement the payment service data processing method. The internal memory may also store a computer program. When the computer program is executed by the processor, the processor can execute the payment service data processing method.

[0133] Those skilled in the art can understand that Figure 7 the structure shown in

[0134] In one embodiment, the payment service data processing device provided by the present application can be implemented in the form of a computer program. The computer program can be in Figure 7The computer device is shown. The memory of the computer device can store various program modules that constitute the payment service data processing device, such as: Figure 6 The acquisition module, determination module and sending module shown in the figure. The computer program composed of various program modules enables the processor to execute the steps of the payment service data processing method of each embodiment of the present application described in this specification.

[0135] For example, Figure 7 The computer device shown can be Figure 6 The acquisition module in the payment business data processing device shown executes to acquire the payment business data set, as well as the reference business data and the first weight corresponding to each payment business data in the payment business data set; and acquires the second weight corresponding to each payment business data, wherein the second weight is determined based on the data type corresponding to each payment business data, wherein the data type includes a business access data type, a business transaction data type, and a business resource investment data type. The computer device can execute, through the determination module, to display the first health of the payment business, wherein the first health is determined based on each payment business data, the reference business data corresponding to each payment business data, the first weight, and the second weight. The computer device can execute, through the sending module, to send an alarm message to a terminal with administrator authority when the first health is less than or equal to a health threshold.

[0136] In one embodiment, a computer device is provided, including a memory and a processor. The memory stores a computer program. When the computer program is executed by the processor, the processor performs the steps of the payment service data processing method described above. The steps of the payment service data processing method herein may be the steps of the payment service data processing method described in each of the above embodiments.

[0137] In one embodiment, a computer-readable storage medium is provided, storing a computer program. When executed by a processor, the computer program causes the processor to perform the steps of the payment service data processing method described above. The steps of the payment service data processing method herein may be the steps of the payment service data processing method described in each of the above embodiments.

[0138] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The program can be stored in a non-volatile computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, storage, database, or other medium used in the embodiments provided in the present application can include non-volatile and / or volatile memories. Non-volatile memories can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memories can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDR SDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and Rambus dynamic RAM (RDRAM), etc.

[0139] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0140] The above-described embodiments merely represent several implementation manners of the present application. The description is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the patent of the present application should be subject to the appended claims.

Claims

1. A payment service data processing method, comprising: Obtaining a payment service data set, as well as reference service data and first weights respectively corresponding to each payment service data in the payment service data set; Obtaining second weights corresponding to each of the payment service data, wherein the second weights are determined according to the data types corresponding to each of the payment service data, and the data types include service access data types, service transaction data types, and service resource input data types; Determining service sub-scores corresponding to each of the payment service data according to the ratio of each of the payment service data to the corresponding reference service data; Determining service scores corresponding to each of the payment service data according to the product of each of the service sub-scores and the corresponding first weights and second weights; Determining a first health degree of the payment service according to the sum of the service scores corresponding to each of the payment service data; Displaying the first health degree of the payment service; When the first health degree is less than or equal to a health degree threshold, sending an alarm message to a terminal with administrator privileges.

2. The method according to claim 1, characterized in that, The method further includes: Obtaining a predicted second health degree, wherein the first health degree is the health degree of the payment service in a first time period, the second health degree is the health degree of the payment service in a second time period, and the second time period is a backward time period of the first time period; When the deviation value between the second health degree and the first health degree reaches a preset deviation value, pushing payment service information corresponding to the payment service.

3. The method according to claim 2, wherein The method further includes: Displaying a health degree interface, and displaying at least one of the first health degree corresponding to the payment service, the payment service data set, health degree trend information, and weight configuration information in the health degree interface, wherein the health degree trend information is determined according to the predicted second health degree, and the weight configuration information is used to determine the first weight and the second weight.

4. The method according to claim 2 or 3, characterized in that The obtaining manner of the predicted second health degree includes: Obtaining first values corresponding to each time period within a preset number of time periods, and the first health degrees corresponding to the first values; Processing the first values and the corresponding first health degrees to obtain a first health degree function relation; Obtaining a second value corresponding to the second time period; Predicting the second health degree according to the second value and the first health degree function relation.

5. The method according to claim 4, wherein The method further includes: Obtaining the first health degrees and second health degrees corresponding to each time period within a preset number of time periods; Determining health degree deviation values corresponding to each time period according to the first health degrees and the second health degrees corresponding to each time period; Determining a health degree deviation mean value corresponding to a preset number of time periods according to the health degree deviation values corresponding to each time period; The predicting the second health degree according to the second value and the first health degree function relation includes: Correcting the first health degree function relation according to the health degree deviation mean value to obtain a second health degree function relation; Predicting the second health degree according to the second value and the second health degree function relation.

6. The method according to any one of claims 1 to 3, characterized in that The payment service data set includes daily transaction resource volume, daily transaction volume, daily service access volume, monthly service access volume, daily service visitor number, daily service resource input volume, and daily service resource input volume; Determining the first health degree of the payment service according to each of the payment service data, the reference service data respectively corresponding to each of the payment service data, the first weight, and the second weight includes: Determining the first health degree of the first type of payment service according to the reference service data, the first weight, and the second weight respectively corresponding to the daily transaction resource volume, the daily transaction volume, the daily service access volume, the monthly service access volume, the daily service visitor number, the daily service resource input volume, and the daily service resource input volume.

7. The method according to any one of claims 1 to 3, characterized in that The payment service data set includes total transaction resource volume, total transaction volume, daily service access volume, monthly service access volume, service visitor number, service resource input volume, and service resource input volume; Determining the first health degree of the payment service according to each of the payment service data, the reference service data respectively corresponding to each of the payment service data, the first weight, and the second weight includes: Determining the first health degree of the second type of payment service according to the reference service data, the first weight, and the second weight respectively corresponding to the total transaction resource volume, the total transaction volume, the daily service access volume, the monthly service access volume, the service visitor number, the service resource input volume, and the service resource input volume, where the usage frequency of the second type of payment service is lower than that of the first type of payment service.

8. A payment service data processing device, characterized in that, The device includes: An acquisition module, configured to acquire a payment service data set, as well as the reference service data and the first weight respectively corresponding to each payment service data in the payment service data set; The acquisition module is configured to acquire the second weight corresponding to each of the payment service data, where the second weight is determined according to the data type corresponding to each of the payment service data, and the data type includes service access data type, service transaction data type, and service resource input data type; A determination module, configured to determine the service sub-score corresponding to each of the payment service data according to the ratio of each of the payment service data to the corresponding reference service data; determine the service score corresponding to each of the payment service data according to the product of each of the service sub-scores and the corresponding first weight and second weight; determine the first health degree of the payment service according to the sum of the service scores corresponding to each of the payment service data; display the first health degree of the payment service; A sending module, configured to send an alarm message to a terminal with administrator privileges when the first health degree is less than or equal to a health degree threshold.

9. The device according to claim 8, characterized in that, The acquisition module is further configured to acquire a predicted second health degree, where the first health degree is the health degree of the payment service in the first time period, the second health degree is the health degree of the payment service in the second time period, and the second time period is a backward time period of the first time period; the sending module is configured to push the payment service information corresponding to the payment service when the deviation value between the second health degree and the first health degree reaches a preset deviation value.

10. The device according to claim 9, characterized in that, The device further includes a display module, configured to display a healthiness interface, and at least one of a first healthiness corresponding to the payment service, the payment service data set, healthiness trend information, and weight configuration information is displayed in the healthiness interface. The healthiness trend information is determined according to a predicted second healthiness, and the weight configuration information is used to determine the first weight and the second weight.

11. The device according to claim 9 or 10, characterized in that, The determining module is configured to obtain first values corresponding to respective time periods within a preset number of time periods, and first healthiness corresponding to the first values; process according to the first values and the corresponding first healthiness to obtain a first healthiness function relation; obtain a second value corresponding to a second time period; and predict a second healthiness according to the second value and the first healthiness function relation.

12. The device according to claim 11, characterized in that, The obtaining module is configured to obtain first healthiness and second healthiness corresponding to respective time periods within a preset number of time periods; and the determining module is configured to determine a healthiness deviation value corresponding to each time period according to the first healthiness and the second healthiness corresponding to each time period. Determine a healthiness deviation mean corresponding to a preset number of time periods according to the healthiness deviation values corresponding to respective time periods. Modify the first healthiness function relation according to the healthiness deviation mean to obtain a second healthiness function relation; and predict a second healthiness according to the second value and the second healthiness function relation.

13. The device according to any one of claims 8 to 10, characterized in that, The payment service data set includes daily transaction resource volume, daily transaction number, daily service access volume, monthly service access volume, daily service visitor number, daily service resource input volume, and daily service resource input number. The determining module is configured to determine a first healthiness of a first type of payment service according to reference service data, a first weight, and a second weight respectively corresponding to the daily transaction resource volume, the daily transaction number, the daily service access volume, the monthly service access volume, the daily service visitor number, the daily service resource input volume, and the daily service resource input number.

14. The device according to any one of claims 8 to 10, characterized in that, The payment service data set includes total transaction resource volume, total transaction number, daily service access volume, monthly service access volume, service visitor number, service resource input volume, and service resource input number. The determining module is configured to determine a first healthiness of a second type of payment service according to reference service data, a first weight, and a second weight respectively corresponding to the total transaction resource volume, the total transaction number, the daily service access volume, the monthly service access volume, the service visitor number, the service resource input volume, and the service resource input number, where the usage frequency of the second type of payment service is lower than that of the first type of payment service.

15. A computer device, including a memory and a processor, where the memory stores a computer program, and when the computer program is executed by the processor, the processor is caused to execute the steps of the method according to any one of claims 1 to 7.

16. A computer-readable storage medium, storing a computer program, and when the computer program is executed by a processor, the processor is caused to execute the steps of the method according to any one of claims 1 to 7.

17. A computer program product, comprising computer instructions, characterized in that, When the computer instructions are executed by a processor, the method described in any one of claims 1 to 7 is implemented.

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