Settlement data transmission method, device and system

Abstract

The invention relates to the field of communication, in particular to a settlement data transmission method, a settlement data transmission device and a settlement data transmission system. According to historical operation data of a user in the same verification operation type, the process probability distribution of the verification process state of the verification operation type executed by the user can be deduced, so that the potential verification process state of the user at each moment in the future can be determined, and the data volume threshold change in the verification operation process of the user can be deduced; according to the change, the network resource allocation can be planned and regulated in advance, so that the network bandwidth used for settlement data transmission at each moment in the future meets the bandwidth requirement corresponding to the data volume, the omission of the settlement data is reduced, the user is prevented from performing repeated operations for multiple times, and the use experience of the user is guaranteed.

Description

Technical Field

[0001] This invention relates to the field of communications, and in particular to a method, apparatus and system for settlement data transmission. Background Technology

[0002] With the development of electronic payment, online settlement technology has become increasingly widespread; When conducting online payments, users are often required to perform verification operations to ensure security. During the verification process, corresponding settlement data is generated and transmitted to the payment platform to complete the payment. The transmission of settlement data requires network bandwidth that matches the data volume. However, due to different users' different operating habits during verification operations, there are often varying degrees of interruption and changes in operation speed. This results in different rates of settlement data generation during the operation, and the required network bandwidth varies at different times. Furthermore, since user terminals often run multiple programs simultaneously in the background, the network bandwidth allocated to settlement data transmission also fluctuates. This causes a mismatch between the bandwidth required for settlement data transmission and the actual bandwidth change, leading to some data failing to be transmitted and settlement failure. Users then need to repeat the operation, affecting the user experience. Summary of the Invention

[0003] Therefore, it is necessary to provide a settlement data transmission method, apparatus, and system to address the aforementioned problems.

[0004] This invention is implemented as follows: a settlement data transmission method is provided and applied to a user terminal. The method includes: Once a user enters any checkout interface, determine the verification operation type corresponding to that checkout interface; Retrieve the historical operation data corresponding to this verification operation type; The probability distribution of the process of determining the user's verification process status when performing this type of verification operation is based on historical operation data; Determine the potential verification process status of the user at each future time based on the process probability distribution; For each future moment, the data volume threshold of the settlement data generated and that needs to be transmitted at that moment is determined based on the corresponding potential verification process state, thus obtaining the change of the data volume threshold during the user verification operation process; The network resource allocation of user terminals is adjusted in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at every moment in the future meets the bandwidth requirements corresponding to the data volume.

[0005] In one embodiment, the present invention provides a settlement data transmission apparatus, the apparatus comprising: The first processing module is used to identify the type of verification operation corresponding to any checkout interface after the user enters it. The second processing module is used to retrieve the historical operation data corresponding to the verification operation type. The third processing module is used to determine the process probability distribution of the user's verification process status when performing this type of verification operation based on historical operation data. The fourth processing module is used to determine the potential verification process status of the user at various future times based on the process probability distribution; The fifth processing module is used to determine the data volume threshold of the settlement data generated and that needs to be transmitted at each future moment based on the corresponding potential verification process status, and to obtain the data volume threshold change during the user verification operation process. The control module is used to adjust the network resource allocation of user terminals in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at any future moment meets the bandwidth requirements corresponding to the data volume.

[0006] In one embodiment, the present invention provides a settlement data transmission system, characterized in that the system comprises: Central end; The user terminal is used to execute the settlement data transmission method to transmit the settlement data to the central terminal.

[0007] This invention provides a method, apparatus, and system for settlement data transmission. The method includes: recognizing that a user has entered any settlement interface; determining the verification operation type corresponding to that settlement interface; retrieving historical operation data corresponding to that verification operation type; determining the process probability distribution of the user's verification process state during the execution of that verification operation type based on the historical operation data; determining the potential verification process state of the user at each future moment based on the process probability distribution; for each future moment, determining the data volume threshold of the settlement data generated and to be transmitted at that moment based on the corresponding potential verification process state, thereby obtaining the data volume threshold change during the user's verification operation; and adjusting the network resource allocation of the user terminal in real time based on the data volume threshold change, so that each future moment is used for settlement data transmission. The network bandwidth meets the bandwidth requirements corresponding to the data volume. In this application, when a user needs to perform any type of verification operation, the probability distribution of the user's verification process state during the execution of that verification operation type can be derived based on the user's historical operation data of the same verification operation type. This determines the potential verification process state of the user at each future moment, thereby deriving the data volume threshold change during the user's verification operation (characterizing the fluctuation change of the data volume threshold over time during the verification operation). Based on this change, the allocation of network resources can be planned and adjusted in advance, ensuring that the network bandwidth used for settlement data transmission at each future moment meets the bandwidth requirements corresponding to the data volume, reducing the omission of settlement data, avoiding the user from performing multiple repeated operations, and ensuring the user's user experience. Attached Figure Description

[0008] Figure 1 This is a flowchart of a settlement data transmission method provided in one embodiment; Figure 2 This is an application environment diagram of a settlement data transmission method provided in one embodiment; Figure 3 This is a first timeline diagram of a settlement data transmission method provided in one embodiment; Figure 4 This is a module flowchart of a settlement data transmission device provided in one embodiment; Figure 5 This is a block diagram of the internal structure of a computer device in one embodiment. Detailed Implementation

[0009] To make the objectives, technical solutions, and advantages of this invention clearer, the invention 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 merely illustrative and not intended to limit the invention.

[0010] It is understood that the terms "first," "second," etc., used in this invention may be used to describe various elements herein, but unless specifically stated otherwise, these elements are not limited by these terms. These terms are used only to distinguish one element from another. For example, without departing from the scope of this invention, a first script may be referred to as a second script, and similarly, a second script may be referred to as a first script.

[0011] like Figure 1 As shown, in one embodiment, a settlement data transmission method is proposed and applied to a user terminal. The method includes: Once a user enters any checkout interface, determine the verification operation type corresponding to that checkout interface; Retrieve the historical operation data corresponding to this verification operation type; The probability distribution of the process of determining the user's verification process status when performing this type of verification operation is based on historical operation data; Determine the potential verification process status of the user at each future time based on the process probability distribution; For each future moment, the data volume threshold of the settlement data generated and that needs to be transmitted at that moment is determined based on the corresponding potential verification process state, thus obtaining the change of the data volume threshold during the user verification operation process; The network resource allocation of user terminals is adjusted in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at every moment in the future meets the bandwidth requirements corresponding to the data volume.

[0012] In this embodiment, as Figure 2 As shown, this method is executed in the user terminal, which can be a smartphone, tablet, laptop, desktop computer, smart speaker, smartwatch, etc., but is not limited to these. The user terminal communicates with the central terminal of the payment platform, so that the user's settlement data can be transmitted to the central terminal. The central terminal can be an independent physical server or terminal, or a server cluster composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud servers, cloud databases, cloud storage and CDN.

[0013] In this embodiment, each settlement interface corresponds to a settlement platform. When a user enters any settlement interface using the user terminal, the user terminal establishes communication with the corresponding settlement platform. Each settlement platform has a specific verification operation type, which includes one or more of the following: facial recognition, fingerprint recognition, password input, and verification code input. In this embodiment, the verification process status represents the progress of the verification operation. For example, for password input, a total of 6 characters need to be entered. '1 character entered', '2 characters entered', '3 characters entered', '4 characters entered', '5 characters entered', and '6 characters entered' are all verification process statuses. '6 characters entered' is the last verification process status, and reaching this status indicates that the verification operation is complete.

[0014] In this embodiment, each time the user performs a verification operation, the user terminal records and saves the user's operation data (including the status of each verification process and the time when the corresponding status is reached). When this method is executed later, the saved operation data (i.e., historical operation data) can be used to deduce the process probability distribution of the verification process status (characterizing the probability of the verification process status that may be in at each moment after the start of the verification operation). In this application, when a user needs to perform any type of verification operation, the probability distribution of the user's verification process state during the execution of that verification operation type can be derived based on the user's historical operation data of the same verification operation type. This determines the potential verification process state of the user at each future moment, thereby deriving the data volume threshold change during the user's verification operation (characterizing the fluctuation change of the data volume threshold over time during the verification operation). Based on this change, network resource allocation can be planned and adjusted in advance to ensure that the network bandwidth used for settlement data transmission at each future moment meets the bandwidth requirements corresponding to the data volume, reducing the omission of settlement data, avoiding the user from performing multiple repetitive operations, and ensuring the user's user experience.

[0015] In a preferred embodiment, the historical operation data consists of several sets, each set being the operation data of a single historical execution of the verification operation of that type; the operation data includes the status of each verification process of the verification operation and the corresponding execution time; The probability distribution for determining the user's verification process status based on historical operation data includes: Obtain the standard verification process state sequence for this verification operation type, wherein the standard verification process state sequence includes several standard verification process states; For each set of historical operation data, the corresponding verification process status is compared with the standard verification process status in the standard verification process status sequence, and only the verification process status that is consistent with the standard verification process status is retained. For each retained verification process state, calculate the time difference between the corresponding execution time and the execution time of the initial verification process state in the same group to obtain the relative time corresponding to that verification process state. The verification process states retained in each group of historical operation data are aggregated according to relative time, thereby determining the process probability distribution of the verification process states.

[0016] The verification process states retained from each group of historical operation data are aggregated according to relative time, thereby determining the process probability distribution of the verification process states, including: Generate the first time axis starting at time 0; For each retained verification process state, mark the verification process state on the corresponding time point on the first time axis according to the corresponding relative time. For each point in time on the first time axis, determine the type of verification process state corresponding to that point in time, and calculate the probability of each verification process state occurring at that point in time.

[0017] In this embodiment, the standard verification process state sequence represents the order of the verification process states for the corresponding verification operation type. For example, for password input (6 digits), the standard verification process state sequence is '1 character entered', '2 characters entered', '3 characters entered', '4 characters entered', '5 characters entered', and '6 characters entered'; for facial recognition, the standard verification process state sequence is 'frontal facial recognition', 'left side facial recognition', and 'right side facial recognition'. Users need to perform operations in the order of the standard verification process state sequence to reach the final state of passing verification (e.g., '6 characters entered'). In addition, if the verification operation involves multiple types, such as 'facial recognition first, then password input', the standard verification process state sequences of the two can be merged according to the operation order.

[0018] In this embodiment, due to different user habits, various states inconsistent with the standard verification process state sequence may occur during the verification operation. For example, for facial recognition, when presenting the 'left face facial recognition' state, the user needs to turn their head to the right. However, some users may habitually tilt their heads first before turning, and the tilted head state is not present in the standard verification process state sequence. This embodiment needs to exclude these states. Since these non-standard actions also take time, the time interval between standard actions will be increased. That is, the time interval between two adjacent verification process states corresponding to the standard verification process state can reflect the impact of the user's non-standard actions. Furthermore, since there may be multiple non-standard actions (one or more may occur each time), their influence may lead to different relative durations of the same verification process state in different groups of historical operation data, resulting in different distributions of the relative durations of verification process states in different groups. This embodiment can present the distribution probability of each verification process state at each time point due to the different distributions of relative durations by setting a first time axis and marking the verification process state and its occurrence probability on the time axis.

[0019] In this embodiment, the time interval on the first time axis can be 1 second or other durations, which are not limited here; for the types of verification process states, for example, '3 characters have been entered' and '3 characters have been entered' are the same type of verification process state, while '3 characters have been entered' and '2 characters have been entered' are different types of verification process states.

[0020] In this embodiment, as Figure 3 As shown, when marking the verification process status on the first time axis, the verification process status can be simplified into dots (different types of verification process status correspond to different dots), which can more intuitively present the distribution of the verification process status.

[0021] As a preferred embodiment, determining the potential verification process state of the user at various future times based on the process probability distribution includes: Starting from the current time, a second timeline is generated, where the time points on the second timeline represent future times. Align the starting point of the first time axis with the starting point of the second time axis, thereby aligning the time points on the first time axis with the time points on the second time axis one by one. Move each verification process state at each time point on the first time axis to the corresponding time point on the second time axis, and mark the corresponding occurrence probability. The verification process state marked on the second time axis is the potential verification process state.

[0022] In this embodiment, the time interval of the second time axis is consistent with that of the first time axis; for any point in time on the first time axis, if it includes multiple states of the same verification process, only one of them needs to be moved, and then the corresponding occurrence probability is marked.

[0023] As a preferred embodiment, determining the data volume threshold of the settlement data generated and to be transmitted at that moment based on the corresponding potential verification process status includes: Select the target time point corresponding to this moment on the second time axis; For each potential verification process state marked at the target time point, the amount of settlement data corresponding to that potential verification process state is calculated based on the corresponding occurrence probability. Determine the maximum amount of data to be calculated. This is the data volume threshold.

[0024] The amount of settlement data corresponding to the potential verification process state, calculated based on the corresponding probability of occurrence, includes: In the standard verification process state sequence, the standard verification process state corresponding to the potential verification process state is identified as the target process state; The cumulative settlement data corresponding to the target process state is determined as the subsequent cumulative settlement data, and the cumulative settlement data of a standard verification process state before the target process state in the sequence is determined as the prior cumulative settlement data. The newly added data is obtained by subtracting the earlier cumulative settlement data from the later cumulative settlement data. The amount of settlement data corresponding to this potential verification process status is calculated using the following formula: in, This refers to the amount of settlement data corresponding to the state of this potential verification process. The amount of data corresponding to the newly added data. This represents the probability of occurrence of the state corresponding to this potential verification process. This is the insurance factor.

[0025] In this embodiment, The value can be 1.2 or other values ​​greater than 1 to ensure sufficient bandwidth allocated to settlement data transmission. Cumulative settlement data refers to the data accumulated before the corresponding process verification state. Subtracting the previously accumulated settlement data from the subsequent cumulative settlement data yields the new data. For example, if the target process state is '3 characters entered', its corresponding subsequent cumulative settlement data is 3 characters. If the previous standard verification process state is '2 characters entered', its corresponding previously accumulated settlement data is 2 characters. Subtracting 2 characters from 3 characters yields the new data '1 character'. Similarly, if the target process state is 'left face recognition', its corresponding subsequent cumulative settlement data is 'left face data' + 'front face data'. If the previous standard verification process state is 'side face recognition', its corresponding previously accumulated settlement data is 'front face data'. Subtracting the previously accumulated settlement data from the subsequent cumulative settlement data yields 'left face data'.

[0026] As a preferred embodiment, real-time adjustment of network resource allocation for user terminals based on changes in data volume thresholds includes: Mark the calculated data volume thresholds at the corresponding time points on the second time axis; Before reaching any point in time on the second time axis, the minimum bandwidth that needs to be allocated to the settlement data transmission at that point is determined based on the data volume threshold corresponding to that point in time. Adjust the bandwidth allocation of the terminal device so that the bandwidth used for settlement data transmission at that moment is greater than the minimum bandwidth.

[0027] In this embodiment, the user terminal stores a mapping table between data volume and minimum bandwidth, which includes the minimum bandwidth required for each amount of data to be transmitted. The user terminal can call this mapping table to accurately determine the minimum bandwidth based on the amount of data to be transmitted at each time point, and then adjust the bandwidth accordingly.

[0028] like Figure 4 As shown, in one embodiment, a settlement data transmission device is provided, the device comprising: The first processing module is used to identify the type of verification operation corresponding to any checkout interface after the user enters it. The second processing module is used to retrieve the historical operation data corresponding to the verification operation type. The third processing module is used to determine the process probability distribution of the user's verification process status when performing this type of verification operation based on historical operation data. The fourth processing module is used to determine the potential verification process status of the user at various future times based on the process probability distribution; The fifth processing module is used to determine the data volume threshold of the settlement data generated and that needs to be transmitted at each future moment based on the corresponding potential verification process status, and to obtain the data volume threshold change during the user verification operation process. The control module is used to adjust the network resource allocation of user terminals in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at any future moment meets the bandwidth requirements corresponding to the data volume.

[0029] For details on how each module in the settlement data transmission device provided in this application implements its respective function, please refer to the foregoing. Figure 1 The description of the illustrated embodiment will not be repeated here.

[0030] like Figure 2 As shown, in one embodiment, a settlement data transmission system is provided, the system comprising: Central end; The user terminal is used to execute the settlement data transmission method to transmit the settlement data to the central terminal.

[0031] In this embodiment, the user terminal and the central terminal cooperate to execute the settlement data transmission method. When the user needs to perform any type of verification operation, the probability distribution of the user's verification process state during the execution of that verification operation type can be deduced based on the user's historical operation data of the same verification operation type. This determines the potential verification process state of the user at each future moment, thereby deducing the data volume threshold change during the user's verification operation. Based on this change, the allocation of network resources can be planned and adjusted in advance to ensure that the network bandwidth used for settlement data transmission at each future moment meets the bandwidth requirements corresponding to the data volume, reducing the omission of settlement data, avoiding the user from performing multiple repeated operations, and ensuring the user's user experience.

[0032] Figure 5 An internal structural diagram of a computer device in one embodiment is shown. Figure 5As shown, the computer device includes a processor, memory, network interface, input device, and display screen connected via a system bus. The memory includes a non-volatile storage medium and internal memory. The non-volatile storage medium stores an operating system and may also store a computer program. When executed by the processor, this computer program enables the processor to implement the settlement data transmission method provided in this embodiment of the invention. The internal memory may also store a computer program, which, when executed by the processor, enables the processor to execute the settlement data transmission method provided in this embodiment of the invention. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer covering the display screen, or buttons, a trackball, or a touchpad mounted on the casing of the computer device, or an external keyboard, touchpad, or mouse, etc.

[0033] Those skilled in the art will understand that Figure 5 The structure shown is merely a block diagram of a portion of the structure related to the present invention and does not constitute a limitation on the computer device to which the present invention is applied. A specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0034] In one embodiment, the settlement data transmission device provided by this invention can be implemented as a computer program, and the computer program can be implemented in the form of, for example... Figure 5 It runs on the computer device shown. The computer device's memory can store the various program modules that make up the settlement data transmission device, for example, Figure 4 The diagram shows a first processing module, a second processing module, a third processing module, a fourth processing module, a fifth processing module, and a control module. The computer program comprised of these modules causes the processor to execute the steps of the settlement data transmission methods of the various embodiments of the present invention described in this specification.

[0035] For example, Figure 5 The computer equipment shown can be used as follows Figure 4 The first processing module in the settlement data transmission device shown executes step S1; the computer device can execute step S2 through the second processing module; the computer device can execute step S3 through the third processing module; the computer device can execute step S4 through the fourth processing module; the computer device can execute step S5 through the fifth processing module; and the computer device can execute step S6 through the control module.

[0036] In one embodiment, a computer device is provided, the computer device including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the computer program, performs the following steps: Once a user enters any checkout interface, determine the verification operation type corresponding to that checkout interface; Retrieve the historical operation data corresponding to this verification operation type; The probability distribution of the process of determining the user's verification process status when performing this type of verification operation is based on historical operation data; Determine the potential verification process status of the user at each future time based on the process probability distribution; For each future moment, the data volume threshold of the settlement data generated and that needs to be transmitted at that moment is determined based on the corresponding potential verification process state, thus obtaining the change of the data volume threshold during the user verification operation process; The network resource allocation of user terminals is adjusted in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at every moment in the future meets the bandwidth requirements corresponding to the data volume.

[0037] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which, when executed by a processor, causes the processor to perform the following steps: Once a user enters any checkout interface, determine the verification operation type corresponding to that checkout interface; Retrieve the historical operation data corresponding to this verification operation type; The probability distribution of the process of determining the user's verification process status when performing this type of verification operation is based on historical operation data; Determine the potential verification process status of the user at each future time based on the process probability distribution; For each future moment, the data volume threshold of the settlement data generated and that needs to be transmitted at that moment is determined based on the corresponding potential verification process state, thus obtaining the change of the data volume threshold during the user verification operation process; The network resource allocation of user terminals is adjusted in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at every moment in the future meets the bandwidth requirements corresponding to the data volume.

[0038] It should be understood that although the steps in the flowcharts of the various embodiments of the present invention are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the various embodiments may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed 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 performed alternately or in turn with other steps or at least a portion of the sub-steps or stages of other steps. Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, storage, databases, or other media used in the embodiments provided by this invention can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory 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), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0039] The technical features of the above embodiments can be combined in any way. For the sake of brevity, 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, they should be considered to be within the scope of this specification.

[0040] The embodiments described above are merely illustrative of several implementations of the present invention, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of the present invention. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of the present invention, and these modifications and improvements all fall within the scope of protection of the present invention. Therefore, the scope of protection of this patent should be determined by the appended claims.

Claims

1. A method for transmitting settlement data, applied to a user terminal, characterized in that, The method includes: Once a user enters any checkout interface, determine the corresponding verification operation type for that checkout interface; Retrieve the historical operation data corresponding to this verification operation type; The probability distribution of the process status of a user when performing this type of verification operation is determined based on historical operation data. Determine the potential verification process status of the user at each future time based on the process probability distribution; For each future moment, the data volume threshold of the settlement data generated and that needs to be transmitted at that moment is determined based on the corresponding potential verification process state, thus obtaining the change of the data volume threshold during the user verification operation process; The network resource allocation of user terminals is adjusted in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at every moment in the future meets the bandwidth requirements corresponding to the data volume.

2. The method according to claim 1, characterized in that, The historical operation data consists of several sets, each set representing the operation data of a single historical execution of the verification operation of that type. The operation data includes the status of each verification process and the corresponding execution time. The probability distribution for determining the user's verification process status based on historical operation data includes: Obtain the standard verification process state sequence for this verification operation type, wherein the standard verification process state sequence includes several standard verification process states; For each set of historical operation data, the corresponding verification process status is compared with the standard verification process status in the standard verification process status sequence, and only the verification process status that is consistent with the standard verification process status is retained. For each retained verification process state, calculate the time difference between the corresponding execution time and the execution time of the initial verification process state in the same group to obtain the relative time corresponding to that verification process state. The verification process states retained in each group of historical operation data are aggregated according to relative time, thereby determining the process probability distribution of the verification process states.

3. The method according to claim 2, characterized in that, The verification process states retained from each group of historical operation data are aggregated according to relative time, thereby determining the process probability distribution of the verification process states, including: Generate the first time axis starting at time 0; For each retained verification process state, mark the verification process state on the corresponding time point on the first time axis according to the corresponding relative time. For each point in time on the first time axis, determine the type of verification process state corresponding to that point in time, and calculate the probability of each verification process state occurring at that point in time.

4. The method according to claim 3, characterized in that, The probability of any verification process state occurring at this time point can be calculated using the following formula: in, Let be the probability of the i-th verification process state occurring at time j. To indicate the total number of verification process states at time point j, Let be the number of times the i-th verification process state appears at time j.

5. The method according to claim 3, characterized in that, Determining the potential verification process states of a user at future times based on the process probability distribution includes: Starting from the current time, a second timeline is generated, where the time points on the second timeline represent future times. Align the starting point of the first time axis with the starting point of the second time axis, thereby aligning the time points on the first time axis with the time points on the second time axis one by one. Move each verification process state at each time point on the first time axis to the corresponding time point on the second time axis, and mark the corresponding occurrence probability. The verification process state marked on the second time axis is the potential verification process state.

6. The method according to claim 5, characterized in that, The threshold for the amount of settlement data generated and required to be transmitted at a given moment, determined based on the corresponding potential verification process status, includes: Select the target time point corresponding to this moment on the second time axis; For each potential verification process state marked at the target time point, the amount of settlement data corresponding to that potential verification process state is calculated based on the corresponding occurrence probability. Determine the maximum amount of data to be calculated. This is the data volume threshold.

7. The method according to claim 6, characterized in that, The amount of settlement data corresponding to the potential verification process state, calculated based on the corresponding probability of occurrence, includes: In the standard verification process state sequence, the standard verification process state corresponding to the potential verification process state is identified as the target process state; The cumulative settlement data corresponding to the target process state is determined as the subsequent cumulative settlement data, and the cumulative settlement data of a standard verification process state before the target process state in the sequence is determined as the prior cumulative settlement data. The newly added data is obtained by subtracting the earlier cumulative settlement data from the later cumulative settlement data. The amount of settlement data corresponding to this potential verification process status is calculated using the following formula: in, This refers to the amount of settlement data corresponding to the potential verification process status. The amount of data corresponding to the newly added data. This represents the probability of occurrence of the state corresponding to this potential verification process. This is the insurance factor.

8. The method according to claim 6, characterized in that, Real-time adjustment of network resource allocation for user terminals based on changes in data volume thresholds includes: Mark the calculated data volume thresholds at the corresponding time points on the second time axis; Before reaching any point in time on the second time axis, the minimum bandwidth that needs to be allocated to the settlement data transmission at that point is determined based on the data volume threshold corresponding to that point in time. Adjust the bandwidth allocation of the terminal device so that the bandwidth used for settlement data transmission at that moment is greater than the minimum bandwidth.

9. A settlement data transmission device, characterized in that, The device includes: The first processing module is used to identify the type of verification operation corresponding to any checkout interface after the user enters it. The second processing module is used to retrieve the historical operation data corresponding to the verification operation type. The third processing module is used to determine the process probability distribution of the user's verification process status when performing this type of verification operation based on historical operation data. The fourth processing module is used to determine the potential verification process status of the user at various future times based on the process probability distribution; The fifth processing module is used to determine the data volume threshold of the settlement data generated and that needs to be transmitted at each future moment based on the corresponding potential verification process status, and to obtain the data volume threshold change during the user verification operation process. The control module is used to adjust the network resource allocation of user terminals in real time based on changes in data volume thresholds, so that the network bandwidth used for settlement data transmission at any future moment meets the bandwidth requirements corresponding to the data volume.

10. A settlement data transmission system, characterized in that, The system includes: Central end; The user terminal is used to execute the settlement data transmission method as described in any one of claims 1-8, so as to transmit the settlement data to the central terminal.

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