A business rule execution method for e-commerce trusted transaction

By combining cross-modal learning networks and natural language processing technology with augmented reality and IoT sensors, the credibility problem of large-scale goods transactions in e-commerce platforms has been solved. This enables multi-dimensional quantitative evaluation and risk prediction of goods, reduces the cost of commercial fraud and returns, and improves the credibility and efficiency of transactions.

CN122415103APending Publication Date: 2026-07-17JIANGHAI POLYTECHNIC COLLEGE
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
JIANGHAI POLYTECHNIC COLLEGE
Filing Date
2026-04-23
Publication Date
2026-07-17

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Abstract

本发明公开数字孪生及数据处理技术领域内的一种面向电子商务可信交易的业务规则执行方法，该方法包括：获取大件商品的多模态营销数据，利用跨模态对比学习网络与自然语言处理技术提取图文一致性评分与买家历史评价偏离度，筛选出高可信准入商品；响应终端扫描数据构建目标摆放区域数字孪生空间，计算三维空间契合度以拦截物理尺寸干涉订单；采集订单履约期物联网传感与定位轨迹数据，结合隐马尔可夫模型预测在途物理风险与网络协同风险，生成最终综合风险评估值；依据评估值触发多级资金结算、担保或干预规则。本发明实现商品流转全生命周期闭环风控，有效降低逆向物流损耗，保障电子商务全链路交易的安全性。
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