Contract cost calculation method, device and computer equipment based on classification model

Abstract

The present application discloses a contract cost calculation method, device and computer equipment based on a classification model, wherein the method includes: identifying the flag information of the current contract category attribute, wherein the flag information includes at least the product type and product characteristic information corresponding to the current contract; selecting a pre-stored designated parent category calculation method for calculating contract costs from a calculation system according to the product type, and selecting a pre-stored designated subcategory calculation method from the calculation system according to the product characteristic information, wherein the designated parent category calculation method includes at least a cost calculation method and a cost detail calculation method; combining the designated parent category calculation method and the designated subcategory calculation method into a contract cost calculation method corresponding to the current contract according to the preset calculation process corresponding to the current contract; and running the contract cost calculation method to obtain the cost information of the current contract. The dynamic expansion of the contract cost calculation method is improved.

Description

Technical Field

[0001] The present application relates to the field of computers, and in particular to a method, device and computer equipment for calculating contract costs based on a classification model. Background Art

[0002] When calculating contract fees, the existing financial product management system sets corresponding contract fees for non-standard special accounts, capital special accounts, and ABS special accounts. For each independent special account type, a complete set of contract fee calculation methods needs to be developed. On the one hand, it increases the workload of developing calculation methods and increases business costs; on the other hand, it also increases the difficulty of business analysis. In addition, the calculation method of contract fees corresponding to existing special accounts has poor scalability for new special account varieties. Every time a new special account variety is added, the corresponding contract fee calculation method needs to be redeveloped, which not only increases the development time cost, but also increases the labor cost, and the business efficiency is also low. Summary of the invention

[0003] The main purpose of this application is to provide a contract fee calculation method based on a classification model, aiming to solve the technical problem that the existing contract fee calculation method has poor scalability for new special account products and requires the redevelopment of the calculation method.

[0004] This application proposes a contract cost calculation method based on a classification model, including:

[0005] Identify flag information that identifies the current contract category attribute, wherein the flag information at least includes the product type and product characteristic information corresponding to the current contract;

[0006] Selecting a pre-stored designated parent category calculation method for calculating contract costs from a calculation system according to the product type, and selecting a pre-stored designated subcategory calculation method from the calculation system according to the product characteristic information, wherein the designated parent category calculation method includes at least a cost calculation method and a cost detail calculation method;

[0007] According to the preset calculation process corresponding to the current contract, the specified parent category calculation method and the specified subcategory calculation method are combined into a contract fee calculation method corresponding to the current contract;

[0008] The contract cost calculation method is run to obtain cost information of the current contract.

[0009] Preferably, the product type includes the special account type of each financial special account, and before the step of identifying the flag information identifying the current contract type attribute, the step includes:

[0010] Identifying contract information in a specified contract, wherein the contract information includes at least subject matter information and contract cost information;

[0011] Determine the designated special account type corresponding to the designated contract according to the subject information;

[0012] Obtaining the specified product characteristic information corresponding to the specified contract according to the contract cost information;

[0013] The designated special account type and the designated product characteristic information are used as flag information of the designated contract and stored in a file area corresponding to the designated contract.

[0014] Preferably, the step of obtaining the specified product characteristic information corresponding to the specified contract according to the contract cost information includes:

[0015] Inputting the contract cost information into a pre-trained classification model;

[0016] Obtaining difference information output by the classification model;

[0017] The difference information is used as the designated product characteristic information corresponding to the designated contract.

[0018] Preferably, before the step of inputting the contract cost information into a pre-trained classification model, the step includes:

[0019] The calculation processes corresponding to each financial account in the contract cost history database are respectively input into the clustering algorithm of the specified data structure for clustering training;

[0020] Determine whether the training has converged;

[0021] If so, a clustering factor obtained by the clustering algorithm is obtained, and the clustering factor is used as the classification model.

[0022] Preferably, after the step of using the difference information as the designated product characteristic information corresponding to the designated contract, the following steps are included:

[0023] identifying common information in the contract cost information other than the difference information;

[0024] Mapping the shared information to parent class calculation methods, wherein the parent class calculation methods are classified according to the position order of the shared information in the calculation process and the calculation function;

[0025] The difference information is mapped into a subclass calculation method and stored in the computing system in association with the designated special account type.

[0026] Preferably, the designated parent class calculation method includes a first parent class calculation method and a second parent class calculation method, the first parent class calculation method includes a cost calculation method and a cost detail calculation method, the second parent class method includes storage, query and deletion, and the step of combining the designated parent class calculation method and the designated subclass calculation method into a contract cost calculation method corresponding to the current contract according to the preset calculation process corresponding to the current contract includes:

[0027] By sequentially connecting the first parent class calculation method, the designated subclass calculation method and the second parent class calculation method, a contract cost calculation method corresponding to the current contract is formed.

[0028] Preferably, after the step of mapping the difference information into a subclass calculation method and storing the method in association with the designated special account type in the computing system, the following steps are included:

[0029] Get the new account type corresponding to the new financial contract;

[0030] Determine whether there is a new sub-class calculation method corresponding to the new special account type in the calculation system;

[0031] If not, then receiving the corresponding new subclass calculation method edited by the developer according to the personalized operation of the new financial contract;

[0032] The new special account type and the new sub-class calculation method are associated and stored in the computing system to update the computing system.

[0033] The present application also provides a contract cost calculation device based on a classification model, comprising:

[0034] A first identification module, configured to identify flag information identifying a current contract category attribute, wherein the flag information at least includes a product type and product characteristic information corresponding to the current contract;

[0035] A selection module is used to select a pre-stored designated parent category calculation method for calculating contract costs from a calculation system according to the product type, and select a pre-stored designated subcategory calculation method from the calculation system according to the product characteristic information, wherein the designated parent category calculation method includes at least a cost calculation method and a cost detail calculation method;

[0036] A combination module, used to combine the specified parent category calculation method and the specified subcategory calculation method into a contract fee calculation method corresponding to the current contract according to a preset calculation process corresponding to the current contract;

[0037] An operation module is used to execute the contract cost calculation method to obtain the cost information of the current contract.

[0038] The present application also provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above method when executing the computer program.

[0039] The present application also provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the steps of the above method are implemented.

[0040] This application obtains a parent-class calculation method by concentrating and extracting the common parts in the cost calculation process of each contract, and combines the calculation part unique to the current contract as a sub-class calculation method. The contract cost calculation method of the new contract is quickly formed by combining the parent-class calculation method and the specific sub-class calculation method, thereby improving the dynamic expansion of the contract cost calculation method, avoiding the development of a corresponding contract cost calculation method for each contract, reducing manpower costs and time costs, and greatly improving the efficiency of the calculation method developed by developers. This application obtains the corresponding flag information by identifying the file content of the contract, so as to more accurately identify the category attributes of the contract, effectively manage each contract in the contract database, and facilitate the accurate matching of the corresponding parent-class calculation method and sub-class calculation method from the calculation system according to the category information of the contract, complete the automatic calculation of the contract cost, and improve the calculation efficiency and accuracy. The present application obtains the personalized operation of the new financial contract, and then edits the corresponding new sub-class calculation method according to the personalized operation, so as to realize the combination of the new sub-class calculation method with the existing parent class calculation method to form the contract fee calculation method corresponding to the new financial contract, while eliminating the process of re-editing the parent class calculation method, facilitating the rapid expansion of the contract fee calculation method according to the newly added new type of special account type, and having a high reuse rate of the parent class calculation method, thereby reducing development costs and improving the efficiency of updating the contract fee calculation method according to the product type. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] Figure 1 A schematic diagram of a method for calculating contract costs based on a classification model according to an embodiment of the present application;

[0042] Figure 2 A schematic diagram of the structure of a contract cost calculation device based on a classification model according to an embodiment of the present application;

[0043] Figure 3 A schematic diagram of the internal structure of a computer device according to an embodiment of the present application. DETAILED DESCRIPTION

[0044] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with 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.

[0045] Reference Figure 1 , a contract cost calculation method based on a classification model according to an embodiment of the present application includes:

[0046] S1: Identify flag information that identifies the current contract category attribute, wherein the flag information at least includes the product type and product feature information corresponding to the current contract.

[0047] The current contract of this embodiment includes a business contract corresponding to a financial product, such as a special account contract corresponding to various special account types, and the above-mentioned special account types include but are not limited to non-standard special accounts, capital special accounts, and ABS special accounts. The above-mentioned flag information is used to identify the category attribute of the contract, that is, which type of business contract for which type of financial product. The above-mentioned product category includes the type of financial product, which is related to the financial standard. The above-mentioned product characteristic information is the operation specific to the specified financial product, etc.

[0048] S2: According to the product type, select from the calculation system a pre-stored designated parent category calculation method for calculating contract costs, and according to the product characteristic information, select from the calculation system a pre-stored designated subcategory calculation method, wherein the designated parent category calculation method includes at least a cost calculation method and a cost detail calculation method.

[0049] The computing system of this embodiment includes parent class computing algorithms with various computing functions, such as cost calculation methods, cost detail calculation methods, storage methods, query methods, etc., which can obtain the overall business function of the current contract according to the product type in the current contract, and decompose the overall business function into the calculation process corresponding to each implementation step, and then determine which parent class computing algorithm or which parent class computing algorithms in the computing system to filter based on the calculation process, and define the above-screened parent class computing algorithm as the designated parent class computing algorithm. The above-mentioned parent class calculation method is a pre-edited computing code logic, which is stored in the computing system with the computing function as the directory. The above-mentioned designated subclass calculation method is also a pre-edited computing code logic, which is stored in the computing system after the designated subclass calculation method is associated with the product characteristic information one-to-one.

[0050] S3: According to the preset calculation process corresponding to the current contract, the specified parent category calculation method and the specified subcategory calculation method are combined into a contract fee calculation method corresponding to the current contract.

[0051] This embodiment connects the screened designated parent-class calculation method and designated sub-class calculation method in sequence according to the preset calculation process of the current contract to form the contract cost calculation method corresponding to the current contract. This embodiment obtains the parent-class calculation method by concentrating and extracting the common calculation parts in the cost calculation process of each contract; and defines the calculation part unique to the current contract as a sub-class calculation method, thereby improving the dynamic expansion of the contract cost calculation method, avoiding the development of a corresponding contract cost calculation method for each contract, reducing labor costs and time costs, and greatly improving the efficiency of the calculation method developed by developers.

[0052] S4: Run the contract cost calculation method to obtain cost information of the current contract.

[0053] Furthermore, the product type includes the special account type of each financial special account, and before the step S1 of identifying the flag information identifying the current contract category attribute, it includes:

[0054] S11: Identify contract information in a specified contract, wherein the contract information at least includes subject information and contract cost information.

[0055] The designated contract in this embodiment is any contract in the financial product contract database, and the flag information formation process of the designated contract is used as an example to explain in detail. The flag information formation process of other contracts in the contract database is similar to the designated contract. The above-mentioned subject information includes financial subjects such as bonds and funds, and the above-mentioned contract cost information includes cost calculation process, cost parameters, etc. The above-mentioned contract information is obtained by browsing the file content of the designated contract, such as obtaining the contract information by semantically identifying the contract file, and obtaining the above-mentioned subject information and contract cost information by extracting keywords.

[0056] S12: Determine the designated special account type corresponding to the designated contract based on the subject information.

[0057] This embodiment distinguishes the types of special accounts according to different financial targets. For example, if the target is ABS asset securitization, the corresponding special account type is ABS special account. The special accounts in this embodiment are accounts corresponding to different financial products.

[0058] S13: Obtaining the designated product characteristic information corresponding to the designated contract according to the contract cost information.

[0059] The contract fee information of this embodiment includes all information in the entire calculation process of the contract fee. The above-mentioned specified product characteristic information is the product characteristic information corresponding to the specified contract. The product characteristic information is related to the personalized operations in the contract. There are different personalized operations for each different type of special account to meet the usage requirements of different special accounts.

[0060] S14: Use the designated special account type and the designated product characteristic information as the flag information of the designated contract, and store them in the file area corresponding to the designated contract.

[0061] This embodiment obtains the corresponding flag information by identifying the file content of the contract, so as to more accurately identify the category attributes of the contract, effectively manage each contract in the contract database, and accurately match the corresponding parent category calculation method and subcategory calculation method from the calculation system according to the category information of the contract, complete the automatic calculation of the contract fee, and improve the calculation efficiency and accuracy. The above-mentioned flag information is stored on the homepage or directory page of the contract file page, or stored on the link page of the contract, etc., so as to facilitate the corresponding acquisition of the flag information.

[0062] Furthermore, the step S13 of obtaining the specified product characteristic information corresponding to the specified contract according to the contract cost information includes:

[0063] S131: Input the contract cost information into a pre-trained classification model.

[0064] This embodiment classifies and analyzes the specific data in the contract cost information through a classification model. The part that can be identified by the classification model is the common information, and the part that cannot be identified is the difference information. The specific data in the contract cost information is divided into two parts, namely the common information and the difference information. The two parts of data are respectively identified by data labels, and then the classification information is output, including the data content corresponding to the common information and the difference information, and the corresponding data labels.

[0065] S132: Obtain difference information output by the classification model.

[0066] This embodiment identifies the difference information through data tags, such as identifying data tags through keyword comparison, etc. In other embodiments of the present application, the data tags are specified characters, such as English letters or Arabic numbers, and the specified characters are identified through regular expressions to determine the difference information.

[0067] S133: Using the difference information as the designated product characteristic information corresponding to the designated contract.

[0068] This embodiment uses the above difference information as product characteristic information to identify the personalized operations included in the specified contract.

[0069] Furthermore, before the step S131 of inputting the contract cost information into the pre-trained classification model, the following steps are included:

[0070] S130a: Input the calculation processes corresponding to each financial account in the contract cost history database into the clustering algorithm of the specified data structure for clustering training.

[0071] In this embodiment, each financial account corresponds to a different calculation process, so as to realize the calculation difference and functional difference of the corresponding contract fees according to the different types of financial accounts. In this embodiment, all the contract fee calculation processes in the contract fee history database are used as training data. By dividing the above calculation process into multiple texts according to the calculation stage, each text is a training data, and the above training data is labeled according to the type of financial account. By inputting the labeled training data into the clustering algorithm for clustering calculation, data recognition of each training data is realized, and the same or similar training data are classified into one category, cluster analysis of the training data is realized, and the common information in the calculation process of different contract fees is concentrated and extracted.

[0072] S130b: Determine whether the training has converged.

[0073] This embodiment determines whether the training converges by the training output value, for example, if the output value is a preset value or is within a specified range of the preset value, the training converges. When the training converges, the classification model obtained by training has accurate discrimination ability.

[0074] S130c: If yes, obtain a clustering factor obtained by the clustering algorithm, and use the clustering factor as the classification model.

[0075] The classification model of this embodiment is a clustering factor output after training the training data to converge. The above clustering factor condenses the feature values ​​of the common information in all the training data, so as to identify the common information of the contract cost to be calculated according to the feature values ​​of the common information.

[0076] Furthermore, after the step S133 of using the difference information as the designated product characteristic information corresponding to the designated contract, the following steps are included:

[0077] S134: Identify the common information in the contract cost information except the difference information.

[0078] This embodiment identifies common information based on data tags. The data tags are labeled according to the calculation stages in the calculation process of the contract cost information, and the calculation stages are distinguished by the classification model according to the content composition characteristics of the formulated contract.

[0079] S135: Mapping the shared information to parent class calculation methods, wherein the parent class calculation methods are classified according to the position order of the shared information in the calculation process and the calculation function.

[0080] The common information of this embodiment corresponds to the parent calculation method, and the parent calculation method is divided into multiple types according to the calculation function, and can be classified and stored according to the calculation function label for easy call. In this embodiment, the same contract cost calculation can include multiple parent calculation methods.

[0081] S136: Map the difference information into a subclass calculation method, and store it in the computing system in association with the designated special account type.

[0082] The sub-category calculation method corresponding to the difference information of this embodiment is different according to the different special account types, and can be stored in association with the corresponding special account type labels so that targeted calls can be made according to the special account type when calling.

[0083] Further, the designated parent class calculation method includes a first parent class calculation method and a second parent class calculation method, the first parent class calculation method includes a cost calculation method and a cost detail calculation method, the second parent class method includes storage, query and deletion, and the step S3 of combining the designated parent class calculation method and the designated subclass calculation method into a contract cost calculation method corresponding to the current contract according to the preset calculation process corresponding to the current contract includes:

[0084] S31: The contract cost calculation method corresponding to the current contract is formed by sequentially connecting the first parent class calculation method, the designated subclass calculation method and the second parent class calculation method.

[0085] This embodiment arranges the contract cost calculation method corresponding to the current contract according to the calculation process of calculating first and then applying, so as to meet the functional requirements of the current contract. The calculation methods of each part of this embodiment are connected through parameter call sequence or data association, so that the contract cost calculation method formed by the combination of the first parent class calculation method, the specified subclass calculation method and the second parent class calculation method can run automatically and smoothly. The first parent class calculation method, the specified subclass calculation method and the second parent class calculation method of this embodiment are calculation expression files in the form of fields.

[0086] Furthermore, after step S136 of mapping the difference information into a subclass calculation method and associating it with the designated special account type and storing it in the calculation system, the following steps are included:

[0087] S137: Obtain the new special account type corresponding to the new financial contract.

[0088] The new financial contract in this embodiment is a financial contract that has not been classified by the classification model. There is no corresponding combination of contract fee calculation methods in the database, and there is no special account type.

[0089] S138: Determine whether there is a new sub-class calculation method corresponding to the new special account type in the calculation system.

[0090] This embodiment uses keyword recognition of the special account type to determine whether there is a corresponding new special account type. If no match is found, the corresponding new special account type does not exist; if a match is found, it exists, and the corresponding associated subclass calculation method can be directly called.

[0091] S139: If not, receiving the corresponding new sub-class calculation method edited by the developer according to the personalized operation of the new financial contract.

[0092] When the present embodiment detects that there is no corresponding new special account type in the database, the personalized operation of the new financial contract can be obtained, and then the corresponding new sub-class calculation method can be edited according to the personalized operation, so as to realize the combination of the new sub-class calculation method with the existing parent class calculation method to form the contract fee calculation method corresponding to the new financial contract, thereby eliminating the process of re-editing the parent class calculation method, facilitating the rapid expansion of the contract fee calculation method according to the newly added new special account type, improving the reuse rate of the parent class calculation method, reducing development costs, and improving the efficiency of updating the contract fee calculation method according to the product type.

[0093] S140: The new special account type and the new sub-class calculation method are associated and stored in the computing system to update the computing system.

[0094] This embodiment expands or updates the data in the database corresponding to the contract cost calculation method by only updating the new sub-category calculation method, so that the contract cost calculation method of this embodiment has a wider scope of application.

[0095] This embodiment uses the parent-class calculation method obtained by condensing and extracting the common parts in the cost calculation process of each contract, and the sub-class calculation method obtained by combining the calculation part unique to the current contract, and quickly forms the contract cost calculation method of the new contract through the combination of the parent-class calculation method and the specific sub-class calculation method, thereby improving the dynamic expansion of the contract cost calculation method, avoiding the development of a corresponding contract cost calculation method for each contract, reducing labor costs and time costs, and greatly improving the efficiency of the calculation method developed by developers. By identifying the file content of the contract, the corresponding flag information is obtained to more accurately identify the category attributes of the contract, effectively manage each contract in the contract database, and facilitate the accurate matching of the corresponding parent-class calculation method and sub-class calculation method from the calculation system according to the category information of the contract, complete the automatic calculation of the contract cost, and improve the calculation efficiency and accuracy. By obtaining the personalized operation of the new financial contract, and then editing the corresponding new sub-class calculation method according to the personalized operation, it is possible to combine the new sub-class calculation method with the existing parent class calculation method to form the contract fee calculation method corresponding to the new financial contract, eliminating the process of re-editing the parent class calculation method, and facilitating the rapid expansion of the contract fee calculation method according to the newly added new type of special account type. The parent class calculation method has a high reuse rate, which reduces development costs and improves the efficiency of updating the contract fee calculation method according to product types.

[0096] Reference Figure 2 , a contract cost calculation device based on a classification model according to an embodiment of the present application includes:

[0097] The first identification module 1 is used to identify the flag information identifying the current contract category attribute, wherein the flag information at least includes the product type and product characteristic information corresponding to the current contract.

[0098] The current contract of this embodiment includes a business contract corresponding to a financial product, such as a special account contract corresponding to various special account types, and the above-mentioned special account types include but are not limited to non-standard special accounts, capital special accounts, and ABS special accounts. The above-mentioned flag information is used to identify the category attribute of the contract, that is, which type of business contract for which type of financial product. The above-mentioned product category includes the type of financial product, which is related to the financial standard. The above-mentioned product characteristic information is the operation specific to the specified financial product, etc.

[0099] Selection module 2 is used to select a pre-stored designated parent category calculation method for calculating contract costs from the calculation system according to the product type, and select a pre-stored designated sub-category calculation method from the calculation system according to the product characteristic information, wherein the designated parent category calculation method includes at least a cost calculation method and a cost detail calculation method.

[0100] The computing system of this embodiment includes parent class computing algorithms with various computing functions, such as cost calculation methods, cost detail calculation methods, storage methods, query methods, etc., which can obtain the overall business function of the current contract according to the product type in the current contract, and decompose the overall business function into the calculation process corresponding to each implementation step, and then determine which parent class computing algorithm or which parent class computing algorithms in the computing system to filter based on the calculation process, and define the above-screened parent class computing algorithm as the designated parent class computing algorithm. The above-mentioned parent class calculation method is a pre-edited computing code logic, which is stored in the computing system with the computing function as the directory. The above-mentioned designated subclass calculation method is also a pre-edited computing code logic, which is stored in the computing system after the designated subclass calculation method is associated with the product characteristic information one-to-one.

[0101] The combination module 3 is used to combine the specified parent category calculation method and the specified subcategory calculation method into a contract cost calculation method corresponding to the current contract according to the preset calculation process corresponding to the current contract.

[0102] This embodiment connects the screened designated parent-class calculation method and designated sub-class calculation method in sequence according to the preset calculation process of the current contract to form the contract cost calculation method corresponding to the current contract. This embodiment obtains the parent-class calculation method by concentrating and extracting the common calculation parts in the cost calculation process of each contract; and defines the calculation part unique to the current contract as a sub-class calculation method, thereby improving the dynamic expansion of the contract cost calculation method, avoiding the development of a corresponding contract cost calculation method for each contract, reducing labor costs and time costs, and greatly improving the efficiency of the calculation method developed by developers.

[0103] The running module 4 is used to run the contract cost calculation method to obtain the cost information of the current contract.

[0104] Furthermore, the contract cost calculation device based on the classification model of an embodiment of the present application further includes:

[0105] The second identification module is used to identify the contract information in the specified contract, wherein the contract information at least includes the subject information and the contract cost information.

[0106] The designated contract in this embodiment is any contract in the financial product contract database, and the flag information formation process of the designated contract is used as an example to explain in detail. The flag information formation process of other contracts in the contract database is similar to the designated contract. The above-mentioned subject information includes financial subjects such as bonds and funds, and the above-mentioned contract cost information includes cost calculation process, cost parameters, etc. The above-mentioned contract information is obtained by browsing the file content of the designated contract, such as obtaining the contract information by semantically identifying the contract file, and obtaining the above-mentioned subject information and contract cost information by extracting keywords.

[0107] A determination module is used to determine the designated special account type corresponding to the designated contract based on the subject information.

[0108] This embodiment distinguishes the types of special accounts according to different financial targets. For example, if the target is ABS asset securitization, the corresponding special account type is ABS special account. The special accounts in this embodiment are accounts corresponding to different financial products.

[0109] The obtaining module is used to obtain the specified product characteristic information corresponding to the specified contract according to the contract cost information.

[0110] The contract fee information of this embodiment includes all information in the entire calculation process of the contract fee. The above-mentioned specified product characteristic information is the product characteristic information corresponding to the specified contract. The product characteristic information is related to the personalized operations in the contract. There are different personalized operations for each different type of special account to meet the usage requirements of different special accounts.

[0111] As a module, it is used to use the designated special account type and the designated product characteristic information as the flag information of the designated contract, and store them in the file area corresponding to the designated contract.

[0112] This embodiment obtains the corresponding flag information by identifying the file content of the contract, so as to more accurately identify the category attributes of the contract, effectively manage each contract in the contract database, and accurately match the corresponding parent category calculation method and subcategory calculation method from the calculation system according to the category information of the contract, complete the automatic calculation of the contract fee, and improve the calculation efficiency and accuracy. The above-mentioned flag information is stored on the homepage or directory page of the contract file page, or stored on the link page of the contract, etc., so as to facilitate the corresponding acquisition of the flag information.

[0113] Furthermore, the obtaining module of this embodiment further includes:

[0114] The first input unit is used to input the contract cost information into a pre-trained classification model.

[0115] This embodiment classifies and analyzes the specific data in the contract cost information through a classification model. The part that can be identified by the classification model is the common information, and the part that cannot be identified is the difference information. The specific data in the contract cost information is divided into two parts, namely the common information and the difference information. The two parts of data are respectively identified by data labels, and then the classification information is output, including the data content corresponding to the common information and the difference information, and the corresponding data labels.

[0116] The first acquisition unit is used to acquire difference information output by the classification model.

[0117] This embodiment identifies the difference information through data tags, such as identifying data tags through keyword comparison, etc. In other embodiments of the present application, the data tags are specified characters, such as English letters or Arabic numbers, and the specified characters are identified through regular expressions to determine the difference information.

[0118] As a unit, used to use the difference information as the designated product characteristic information corresponding to the designated contract.

[0119] This embodiment uses the above difference information as product characteristic information to identify the personalized operations included in the specified contract.

[0120] Furthermore, the obtaining module of this embodiment further includes:

[0121] The second input unit is used to input the calculation processes corresponding to each financial account in the contract cost history database into the clustering algorithm of the specified data structure for clustering training.

[0122] In this embodiment, each financial account corresponds to a different calculation process, so as to realize the calculation difference and functional difference of the corresponding contract fees according to the different types of financial accounts. In this embodiment, all the contract fee calculation processes in the contract fee history database are used as training data. By dividing the above calculation process into multiple texts according to the calculation stage, each text is a training data, and the above training data is labeled according to the type of financial account. By inputting the labeled training data into the clustering algorithm for clustering calculation, data recognition of each training data is realized, and the same or similar training data are classified into one category, cluster analysis of the training data is realized, and the common information in the calculation process of different contract fees is concentrated and extracted.

[0123] The first judging unit is used to judge whether the training has converged.

[0124] This embodiment determines whether the training converges by the training output value, for example, if the output value is a preset value or is within a specified range of the preset value, the training converges. When the training converges, the classification model obtained by training has accurate discrimination ability.

[0125] The second acquisition unit is used to acquire a clustering factor obtained by the clustering algorithm if the training converges, and use the clustering factor as the classification model.

[0126] The classification model of this embodiment is a clustering factor output after training the training data to converge. The above clustering factor condenses the feature values ​​of the common information in all the training data, so as to identify the common information of the contract cost to be calculated according to the feature values ​​of the common information.

[0127] Furthermore, the obtaining module of this embodiment further includes:

[0128] An identification unit is used to identify the common information in the contract cost information except the difference information.

[0129] This embodiment identifies common information based on data tags. The data tags are labeled according to the calculation stages in the calculation process of the contract cost information, and the calculation stages are distinguished by the classification model according to the content composition characteristics of the formulated contract.

[0130] The first mapping unit is used to map the common information into a parent class calculation method, wherein the parent class calculation method is classified according to the position order of the common information in the calculation process and the calculation function.

[0131] The common information of this embodiment corresponds to the parent calculation method, and the parent calculation method is divided into multiple types according to the calculation function, and can be classified and stored according to the calculation function label for easy call. In this embodiment, the same contract cost calculation can include multiple parent calculation methods.

[0132] The second mapping unit is used to map the difference information into a subclass calculation method, and store it in the computing system in association with the designated special account type.

[0133] The sub-category calculation method corresponding to the difference information of this embodiment is different according to the different special account types, and can be stored in association with the corresponding special account type labels so that targeted calls can be made according to the special account type when calling.

[0134] Furthermore, the specified parent class calculation method includes a first parent class calculation method and a second parent class calculation method, the first parent class calculation method includes a cost calculation method and a cost detail calculation method, the second parent class method includes storage, query and deletion, and the combination module 3 includes:

[0135] The connection unit is used to form a contract cost calculation method corresponding to the current contract by connecting the first parent category calculation method, the designated subcategory calculation method and the second parent category calculation method in sequence.

[0136] This embodiment arranges the contract cost calculation method corresponding to the current contract according to the calculation process of calculating first and then applying, so as to meet the functional requirements of the current contract. The calculation methods of each part of this embodiment are connected through parameter call sequence or data association, so that the contract cost calculation method formed by the combination of the first parent class calculation method, the specified subclass calculation method and the second parent class calculation method can run automatically and smoothly. The first parent class calculation method, the specified subclass calculation method and the second parent class calculation method of this embodiment are calculation expression files in the form of fields.

[0137] Furthermore, the obtaining module of another embodiment of the present application includes:

[0138] The third acquisition unit is used to obtain the new special account type corresponding to the new financial contract.

[0139] The new financial contract in this embodiment is a financial contract that has not been classified by the classification model. There is no corresponding combination of contract fee calculation methods in the database, and there is no special account type.

[0140] The second judgment unit is used to judge whether there is a new sub-category calculation method corresponding to the new special account type in the calculation system.

[0141] This embodiment uses keyword recognition of the special account type to determine whether there is a corresponding new special account type. If no match is found, the corresponding new special account type does not exist; if a match is found, it exists, and the corresponding associated subclass calculation method can be directly called.

[0142] A receiving unit is used to receive the corresponding new sub-class calculation method edited by the developer according to the personalized operation of the new financial contract if the new sub-class calculation method corresponding to the new special account type does not exist in the computing system.

[0143] When the present embodiment detects that there is no corresponding new special account type in the database, the personalized operation of the new financial contract can be obtained, and then the corresponding new sub-class calculation method can be edited according to the personalized operation, so as to realize the combination of the new sub-class calculation method with the existing parent class calculation method to form the contract fee calculation method corresponding to the new financial contract, thereby eliminating the process of re-editing the parent class calculation method, facilitating the rapid expansion of the contract fee calculation method according to the newly added new special account type, improving the reuse rate of the parent class calculation method, reducing development costs, and improving the efficiency of updating the contract fee calculation method according to the product type.

[0144] A storage unit is used to store the new special account type and the new sub-class calculation method in association with each other in the computing system to update the computing system.

[0145] This embodiment expands or updates the data in the database corresponding to the contract cost calculation method by only updating the new sub-category calculation method, so that the contract cost calculation method of this embodiment has a wider scope of application.

[0146] Reference Figure 3 In an embodiment of the present application, a computer device is also provided. The computer device may be a server, and its internal structure may be as follows: Figure 3 As shown. The computer device includes a processor, a memory, a network interface and a database connected through a system bus. Among them, the processor designed by the computer is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store all data required for the process of calculating contract costs. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a contract cost calculation method based on a classification model is implemented.

[0147] The above-mentioned processor executes the above-mentioned contract cost calculation method based on the classification model, including: identifying the flag information that identifies the current contract category attribute, wherein the flag information at least includes the product type and product characteristic information corresponding to the current contract; selecting a pre-stored designated parent category calculation method for calculating contract costs from the calculation system according to the product type, and selecting a pre-stored designated sub-category calculation method from the calculation system according to the product characteristic information, wherein the designated parent category calculation method at least includes a cost calculation method and a cost detail calculation method; according to the preset calculation process corresponding to the current contract, combining the designated parent category calculation method and the designated sub-category calculation method into a contract cost calculation method corresponding to the current contract; and running the contract cost calculation method to obtain the cost information of the current contract.

[0148] The above-mentioned computer device, by concentrating and extracting the common parts in the cost calculation process of each contract, obtains the parent-class calculation method, and combines the calculation part unique to the current contract as the sub-class calculation method, and quickly forms the contract cost calculation method of the new contract through the combination of the parent-class calculation method and the specific sub-class calculation method, thereby improving the dynamic expansion of the contract cost calculation method, avoiding the development of the corresponding contract cost calculation method for each contract, reducing the manpower cost and time cost, and greatly improving the efficiency of the calculation method developed by the developer. By identifying the file content of the contract, the corresponding flag information is obtained to more accurately identify the category attribute of the contract, effectively manage each contract in the contract database, and facilitate the accurate matching of the corresponding parent-class calculation method and sub-class calculation method from the calculation system according to the category information of the contract, complete the automatic calculation of the contract cost, and improve the calculation efficiency and accuracy. By obtaining the personalized operation of the new financial contract, and then editing the corresponding new sub-class calculation method according to the personalized operation, it is possible to combine the new sub-class calculation method with the existing parent class calculation method to form the contract fee calculation method corresponding to the new financial contract, eliminating the process of re-editing the parent class calculation method, and facilitating the rapid expansion of the contract fee calculation method according to the newly added new type of special account type. The parent class calculation method has a high reuse rate, which reduces development costs and improves the efficiency of updating the contract fee calculation method according to product types.

[0149] In one embodiment, the product type includes the special account type of each financial special account. Before the processor identifies the flag information that identifies the current contract category attribute, it includes: identifying the contract information in the specified contract, wherein the contract information includes at least the subject information and the contract cost information; determining the specified special account type corresponding to the specified contract based on the subject information; obtaining the specified product characteristic information corresponding to the specified contract based on the contract cost information; using the specified special account type and the specified product characteristic information as the flag information of the specified contract, and storing them in the file area corresponding to the specified contract.

[0150] In one embodiment, the processor obtains the designated product characteristic information corresponding to the designated contract based on the contract cost information, comprising: inputting the contract cost information into a pre-trained classification model; obtaining difference information output by the classification model; and using the difference information as the designated product characteristic information corresponding to the designated contract.

[0151] In one embodiment, before the processor inputs the contract cost information into a pre-trained classification model, the process includes: inputting the calculation processes corresponding to each financial account in the contract cost history database into a clustering algorithm of a specified data structure for clustering training; determining whether the training converges; if so, obtaining the clustering factor obtained by the clustering algorithm, and using the clustering factor as the classification model.

[0152] In one embodiment, after the processor takes the difference information as the designated product characteristic information corresponding to the designated contract, the following comprises: identifying common information in the contract cost information other than the difference information; mapping the common information into a parent class calculation method, wherein the parent class calculation method is classified according to the position order of the common information in the calculation process and the calculation function; mapping the difference information into a subclass calculation method, and storing it in the calculation system in association with the designated special account type.

[0153] In one embodiment, the designated parent class calculation method includes a first parent class calculation method and a second parent class calculation method, the first parent class calculation method includes a cost calculation method and a cost detail calculation method, the second parent class method includes storage, query and deletion, and the above-mentioned processor combines the designated parent class calculation method and the designated subclass calculation method into the contract cost calculation method corresponding to the current contract according to the preset calculation process corresponding to the current contract, including: forming the contract cost calculation method corresponding to the current contract by sequentially connecting the first parent class calculation method, the designated subclass calculation method and the second parent class calculation method.

[0154] In one embodiment, after the processor maps the difference information into a subclass calculation method and stores it in association with the designated special account type in the computing system, it includes: obtaining a new special account type corresponding to the new financial contract; determining whether there is a new subclass calculation method corresponding to the new special account type in the computing system; if not, receiving the corresponding new subclass calculation method edited by the developer according to the personalized operation of the new financial contract; and storing the new special account type and the new subclass calculation method in association with each other in the computing system to update the computing system.

[0155] Those skilled in the art will understand that Figure 3 The structure shown in is merely a block diagram of a portion of the structure related to the present application solution and does not constitute a limitation on the computer device to which the present application solution is applied.

[0156] An embodiment of the present application also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements a contract cost calculation method based on a classification model, including: identifying flag information that identifies a current contract category attribute, wherein the flag information includes at least a product type and product characteristic information corresponding to the current contract; selecting a pre-stored designated parent class calculation method for calculating contract costs from a computing system according to the product type, and selecting a pre-stored designated sub-class calculation method from the computing system according to the product characteristic information, wherein the designated parent class calculation method includes at least a cost calculation method and a cost detail calculation method; combining the designated parent class calculation method and the designated sub-class calculation method into a contract cost calculation method corresponding to the current contract in accordance with a preset calculation process corresponding to the current contract; and running the contract cost calculation method to obtain the cost information of the current contract.

[0157] The computer-readable storage medium, through the parent-class calculation method obtained by condensing and extracting the common parts in the cost calculation process of each contract, and the sub-class calculation method obtained by the calculation part unique to the current contract, quickly forms the contract cost calculation method of the new contract through the combination of the parent-class calculation method and the specific sub-class calculation method, improves the dynamic expansion of the contract cost calculation method, avoids the development of the corresponding contract cost calculation method for each contract, reduces the manpower cost and time cost, and greatly improves the efficiency of the calculation method developed by the developer. By identifying the file content of the contract, the corresponding flag information is obtained to more accurately identify the category attribute of the contract, effectively manage each contract in the contract database, and facilitate the accurate matching of the corresponding parent-class calculation method and sub-class calculation method from the calculation system according to the category information of the contract, complete the automatic calculation of the contract cost, and improve the calculation efficiency and accuracy. By obtaining the personalized operation of the new financial contract, and then editing the corresponding new sub-class calculation method according to the personalized operation, it is possible to combine the new sub-class calculation method with the existing parent class calculation method to form the contract fee calculation method corresponding to the new financial contract, eliminating the process of re-editing the parent class calculation method, and facilitating the rapid expansion of the contract fee calculation method according to the newly added new type of special account type. The parent class calculation method has a high reuse rate, which reduces development costs and improves the efficiency of updating the contract fee calculation method according to product types.

[0158] In one embodiment, the product type includes the special account type of each financial special account. Before the processor identifies the flag information that identifies the current contract category attribute, it includes: identifying the contract information in the specified contract, wherein the contract information includes at least the subject information and the contract cost information; determining the specified special account type corresponding to the specified contract based on the subject information; obtaining the specified product characteristic information corresponding to the specified contract based on the contract cost information; using the specified special account type and the specified product characteristic information as the flag information of the specified contract, and storing them in the file area corresponding to the specified contract.

[0159] In one embodiment, the processor obtains the designated product characteristic information corresponding to the designated contract based on the contract cost information, comprising: inputting the contract cost information into a pre-trained classification model; obtaining difference information output by the classification model; and using the difference information as the designated product characteristic information corresponding to the designated contract.

[0160] In one embodiment, before the processor inputs the contract cost information into a pre-trained classification model, the process includes: inputting the calculation processes corresponding to each financial account in the contract cost history database into a clustering algorithm of a specified data structure for clustering training; determining whether the training converges; if so, obtaining the clustering factor obtained by the clustering algorithm, and using the clustering factor as the classification model.

[0161] In one embodiment, after the processor takes the difference information as the designated product characteristic information corresponding to the designated contract, the following comprises: identifying common information in the contract cost information other than the difference information; mapping the common information into a parent class calculation method, wherein the parent class calculation method is classified according to the position order of the common information in the calculation process and the calculation function; mapping the difference information into a subclass calculation method, and storing it in the calculation system in association with the designated special account type.

[0162] In one embodiment, the designated parent class calculation method includes a first parent class calculation method and a second parent class calculation method, the first parent class calculation method includes a cost calculation method and a cost detail calculation method, the second parent class method includes storage, query and deletion, and the above-mentioned processor combines the designated parent class calculation method and the designated subclass calculation method into the contract cost calculation method corresponding to the current contract according to the preset calculation process corresponding to the current contract, including: forming the contract cost calculation method corresponding to the current contract by sequentially connecting the first parent class calculation method, the designated subclass calculation method and the second parent class calculation method.

[0163] In one embodiment, after the processor maps the difference information into a subclass calculation method and stores it in association with the designated special account type in the computing system, it includes: obtaining a new special account type corresponding to the new financial contract; determining whether there is a new subclass calculation method corresponding to the new special account type in the computing system; if not, receiving the corresponding new subclass calculation method edited by the developer according to the personalized operation of the new financial contract; and storing the new special account type and the new subclass calculation method in association with each other in the computing system to update the computing system.

[0164] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing related hardware through a computer program, and the above-mentioned computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media provided in this application and used in the embodiments may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (SSRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0165] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, device, article or method including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, device, article or method. In the absence of further restrictions, an element defined by the sentence "includes a ..." does not exclude the existence of other identical elements in the process, device, article or method including the element.

[0166] The above description is only a preferred embodiment of the present application, and does not limit the patent scope of the present application. Any equivalent structure or equivalent process transformation made using the contents of the present application specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present application.

Claims

1. A contract cost calculation method based on a classification model, characterized in that: include: Identify flag information that identifies the current contract category attribute, wherein the flag information at least includes the product type and product characteristic information corresponding to the current contract; Selecting a pre-stored designated parent category calculation method for calculating contract costs from a calculation system according to the product type, and selecting a pre-stored designated subcategory calculation method from the calculation system according to the product characteristic information, wherein the designated parent category calculation method includes at least a cost calculation method and a cost detail calculation method; According to the preset calculation process corresponding to the current contract, the specified parent category calculation method and the specified subcategory calculation method are combined into a contract fee calculation method corresponding to the current contract; Running the contract cost calculation method to obtain cost information of the current contract; The product type includes the special account type of each financial special account. Before the step of identifying the flag information of the current contract type attribute, the method includes: Identifying contract information in a specified contract, wherein the contract information includes at least subject matter information and contract cost information; Determine the designated special account type corresponding to the designated contract according to the subject information; Obtaining the specified product characteristic information corresponding to the specified contract according to the contract cost information; The designated special account type and the designated product characteristic information are used as the flag information of the designated contract, and stored in the file area corresponding to the designated contract; The step of obtaining the designated product characteristic information corresponding to the designated contract according to the contract cost information includes: Inputting the contract cost information into a pre-trained classification model; Obtaining difference information output by the classification model; Using the difference information as the specified product characteristic information corresponding to the specified contract; After the step of using the difference information as the designated product characteristic information corresponding to the designated contract, the method further includes: identifying common information in the contract cost information other than the difference information; Mapping the shared information to parent class calculation methods, wherein the parent class calculation methods are classified according to the position order of the shared information in the calculation process and the calculation function; Mapping the difference information into a subclass calculation method and storing it in the calculation system in association with the designated special account type; After the step of mapping the difference information into a subclass calculation method and associating it with the designated special account type and storing it in the computing system, the method further includes: Get the new account type corresponding to the new financial contract; Determine whether there is a new sub-class calculation method corresponding to the new special account type in the calculation system; If not, then receiving the corresponding new subclass calculation method edited by the developer according to the personalized operation of the new financial contract; The new special account type and the new sub-class calculation method are associated and stored in the computing system to update the computing system.

2. The method for calculating contract costs based on a classification model according to claim 1, characterized in that: Before the step of inputting the contract cost information into the pre-trained classification model, the method includes: The calculation processes corresponding to each financial account in the contract cost history database are respectively input into the clustering algorithm of the specified data structure for clustering training; Determine whether the training has converged; If so, a clustering factor obtained by the clustering algorithm is obtained, and the clustering factor is used as the classification model.

3. The method for calculating contract costs based on a classification model according to claim 1, characterized in that: The designated parent class calculation method includes a first parent class calculation method and a second parent class calculation method, the first parent class calculation method includes a cost calculation method and a cost detail calculation method, the second parent class calculation method includes storage, query and deletion, and the step of combining the designated parent class calculation method and the designated subclass calculation method into a contract cost calculation method corresponding to the current contract according to the preset calculation process corresponding to the current contract includes: By sequentially connecting the first parent class calculation method, the designated subclass calculation method and the second parent class calculation method, a contract cost calculation method corresponding to the current contract is formed.

4. A contract cost calculation device based on a classification model, characterized in that: include: A first identification module, configured to identify flag information identifying a current contract category attribute, wherein the flag information at least includes a product type and product characteristic information corresponding to the current contract; A selection module is used to select a pre-stored designated parent category calculation method for calculating contract costs from a calculation system according to the product type, and select a pre-stored designated subcategory calculation method from the calculation system according to the product characteristic information, wherein the designated parent category calculation method includes at least a cost calculation method and a cost detail calculation method; A combination module, used to combine the specified parent category calculation method and the specified subcategory calculation method into a contract fee calculation method corresponding to the current contract according to a preset calculation process corresponding to the current contract; An operation module, used for executing the contract cost calculation method to obtain the cost information of the current contract; A second identification module is used to identify contract information in a specified contract, wherein the contract information at least includes subject information and contract cost information; A determination module, used to determine the designated special account type corresponding to the designated contract according to the subject information; An obtaining module, used for obtaining the specified product characteristic information corresponding to the specified contract according to the contract cost information; As a module, used to use the designated special account type and the designated product characteristic information as the flag information of the designated contract, and store them in the file area corresponding to the designated contract; Get the module, also includes: A first input unit, used to input the contract cost information into a pre-trained classification model; A first acquisition unit, used to acquire difference information output by the classification model; as a unit, for using the difference information as the specified product characteristic information corresponding to the specified contract; Get the module, also includes: an identification unit, used for identifying the common information in the contract cost information except the difference information; A first mapping unit, configured to map the common information into a parent class calculation method, wherein the parent class calculation method is classified according to the position order of the common information in the calculation process and the calculation function; A second mapping unit, configured to map the difference information into a subclass calculation method, and store the method in the calculation system in association with the designated special account type; The obtaining module further includes: A third acquisition unit is used to acquire a new special account type corresponding to the new financial contract; A second determination unit is used to determine whether there is a new sub-category calculation method corresponding to the new special account type in the calculation system; A receiving unit, configured to receive a corresponding new sub-class calculation method edited by a developer according to a personalized operation of the new financial contract if the new sub-class calculation method corresponding to the new special account type does not exist in the calculation system; A storage unit is used to store the new special account type and the new sub-class calculation method in association with each other in the computing system to update the computing system.

5. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 3 are implemented.

6. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 3 are implemented.

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