A rate determination method, device, equipment, and storage medium

Abstract

Embodiments of the present invention disclose a rate determination method, apparatus, device, and storage medium. Among them, the method includes: obtaining user service information according to a rate determination request issued by a user; determining a target service information group from the service information according to a preset service information screening rule; and obtaining a rate result associated with the target service information group according to the target service information group and a preset rate determination rule. By presetting different service information screening rules and rate determination rules, embodiments of the present invention achieve the determination of rates in different situations, improving the efficiency and flexibility of rate determination.

Description

Technical Field

[0001] Embodiments of the present invention relate to computer technology, and in particular, to a rate determination method, apparatus, device, and storage medium. Background Art

[0002] Price factors for different services have always been an important means of market competition. A flexible rate configuration method can effectively enhance competitiveness.

[0003] Currently, the common installment rates generally adopt fixed rates. For example, it is stipulated that the rate for a 3 - period service is 0.6% per period, and the rate for a 6 - period service is 0.5%. However, the fixed rate rules are limited and cannot be flexibly expanded, and price - setting conflicts are likely to occur. When multiple rules are satisfied simultaneously, a rate will be generated for each rule, and it is usually not possible to flexibly define which rate to choose, resulting in low efficiency and accuracy in rate determination. Summary of the Invention

[0004] Embodiments of the present invention provide a rate determination method, apparatus, device, and storage medium to improve the efficiency and flexibility of rate determination.

[0005] In a first aspect, embodiments of the present invention provide a rate determination method, which includes:

[0006] Obtain user service information according to a rate determination request sent by the user;

[0007] Determine a target service information group from the service information according to a preset service information screening rule;

[0008] Obtain a rate result associated with the target service information group according to the target service information group and a preset rate determination rule.

[0009] In a second aspect, embodiments of the present invention further provide a rate determination apparatus, which includes:

[0010] A service information acquisition module, configured to obtain user service information according to a rate determination request sent by the user;

[0011] A target group determination module, configured to determine a target service information group from the service information according to a preset service information screening rule;

[0012] A rate determination module, configured to obtain a rate result associated with the target service information group according to the target service information group and a preset rate determination rule

[0013] In a third aspect, an embodiment of the present invention further provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the program, the rate determination method described in any embodiment of the present invention is implemented.

[0014] In a fourth aspect, an embodiment of the present invention further provides a storage medium containing computer-executable instructions, and the computer-executable instructions are used to execute the rate determination method described in any embodiment of the present invention when executed by a computer processor.

[0015] In the embodiment of the present invention, business information is obtained from the user's rate determination request, and according to the preset business information screening rules, target business information is searched from the business information to form a target business information group. According to the rate determination rules, the rate result associated with the target business information group is determined. This avoids the situation in the prior art where the rate can only be determined based on a single fixed piece of business information, solves the problem that when the user meets multiple pieces of business information at the same time, a unique rate cannot be determined, improves the flexibility of rate determination, and at the same time improves the efficiency and accuracy of rate determination. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 is a flowchart of a rate determination method in Embodiment 1 of the present invention;

[0017] Figure 2 is a schematic diagram of a rate search prefix tree in Embodiment 1 of the present invention;

[0018] Figure 3 is a flowchart of a rate determination method in Embodiment 2 of the present invention;

[0019] Figure 4 is a structural block diagram of a rate determination device in Embodiment 3 of the present invention;

[0020] Figure 5 is a schematic diagram of the structure of a computer device in Embodiment 4 of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0021] The present invention will be further described in detail below with reference to the drawings and embodiments. It can be understood that the specific embodiments described herein are only used to explain the present invention, rather than limiting the present invention. Additionally, it should be noted that for the sake of convenience of description, only parts related to the present invention are shown in the drawings instead of all the structures.

[0022] Embodiment 1

[0023] Figure 1The flowchart of a rate determination method provided in Embodiment 1 of the present invention. This embodiment is applicable to the situation of determining rates for different services, and this method can be executed by a rate determination device. As Figure 1 shown, the method specifically includes the following steps:

[0024] S110. Obtain the service information of the user according to the rate determination request sent by the user.

[0025] Among them, when the user handles a service, there is a need to determine the rate. The user can handle the service at the counter, or through mobile banking or on a mobile terminal such as a computer. When the user handles a service, a rate determination request can be sent to obtain the rate to be paid for the handled service. The user can send a rate determination request on the mobile terminal, and the background server receives the rate determination request and obtains relevant information from the rate determination request. For example, basic information such as the user's account name, name, and age can be obtained, and the service information handled can also be obtained.

[0026] In this embodiment, optionally, the service information includes channels, terms, types, amounts, branches, and customer numbers.

[0027] Specifically, the service information refers to the necessary information when the user handles a service. For example, it can include the channels for handling the service, the terms of the handled service, the service type, the amount, the branch number, and the customer number, etc. Among them, the channels for handling the service refer to the channels through which the user can handle the service, such as mobile banking or the counter. For the same service, if the terms, types, and amounts of the handled service are the same, but the handling channels are different, different rates will be generated, and different rates will also be obtained for handling the same service at different branches. The customer number can correspond to the customer level, and different customer levels of customers handling the same service may also have different rates. The beneficial effect of such a setting is that by obtaining the service information in the rate determination request, service information in different dimensions can be obtained, which is conducive to jointly judging the rate through multiple service information and avoiding the problem of rate result conflicts caused by judging the rate with a single service information. For example, the rate for handling a service through mobile banking is 0.6%, and the rate for handling a three - period service is 0.5%. If the user handles a three - period service through mobile banking, two rate results of 0.6% and 0.5% will be generated, and the final unique rate result cannot be determined.

[0028] In this embodiment, optionally, before obtaining the service information of the user according to the rate determination request sent by the user, it further includes: determining a service information screening rule and a rate determination rule according to preset service handling requirements.

[0029] Specifically, the staff can pre-store business information screening rules and rate determination rules in the background server in advance, or store preset business handling requirements. According to the preset business handling requirements, the business information required for different services can be obtained. Based on the preset information screening algorithm and rate calculation algorithm, the business information screening rules and rate determination rules are determined. The business screening rule is used to screen out useful target business information from the business information for rate calculation after obtaining the business information. The rate determination rule is used to determine the only rate result based on the useful target business information. The staff can preset the business information screening rules and rate determination rules according to the handling requirements of different services, and improve and modify them during the use of the business information screening rules and rate determination rules. The beneficial effect of this setting is that it is conducive to quickly screening business information and obtaining the rate result according to the preset rules, improving the rate determination efficiency, and adding or modifying the preset rules according to the actual use, improving the flexibility of rate determination.

[0030] S120. Determine a target business information group from the business information according to the preset business information screening rule.

[0031] Among them, the target business information group is composed of useful information in the business information, and the useful information in the business information can be the target business information. According to the user's rate determination request, the target service to be handled by the user can be determined. According to the preset business information screening rule, the target business information group required for handling the target service can be found, and the target business information group is composed of the target business information.

[0032] In this embodiment, optionally, determining a target business information group from the business information according to the preset business information screening rule includes: determining the target business information group according to the preset ranking of the business information in the business information screening rule; wherein, the target business information group includes at least one target business information.

[0033] Specifically, according to the business information screening rules, the importance of business information can be ranked. The importance refers to the degree of influence of business information on the rate. The greater the influence of business information on the rate determination result, the higher the importance of the business information, that is, the higher the ranking. According to the screening requirements for different businesses in the business information screening rules, the business information ranked within the preset range is composed of the target business information group. The business information in the target business information group is the target business information, and the target business information group includes at least one target business information. For example, when a user handles a credit card repayment business, through the rate determination request, it can be obtained that the user wants to handle a three - period bill installment repayment business. The user's handling channel is the mobile banking, the customer number is 001, and the amount is 10,000 yuan. According to the preset business information screening rules, the target business information group is determined to be the top three business information. The number of periods ranks first, the channel ranks second, and the amount ranks third. Therefore, it can be determined that the target business information in the target business information group is the three - period bill installment repayment, the mobile banking channel, and the amount of 10,000 yuan. The beneficial effect of such a setting is that the target business information can be quickly obtained from all business information, avoiding incorrect rate determination caused by data chaos, and improving the accuracy and efficiency of rate determination.

[0034] S130. According to the target business information group and the preset rate determination rules, obtain the rate result associated with the target business information group.

[0035] Among them, the rate determination rules are used to determine the rate results corresponding to different target business information groups. For example, if the data content of the target business information group is three periods, handled through mobile banking, and the amount is 10,000 yuan, then the corresponding rate result is 0.6%. After determining the target business information group, the data in the target business information group is matched with the preset rate determination rules to obtain the unique rate result associated with the target business information group.

[0036] In this embodiment, optionally, according to the target business information group and the preset rate determination rules, obtaining the rate result associated with the target business information group includes: according to the target business information group, determining the target subtree in the rate search prefix tree that records the target business information group; comparing the node data of each node in the target subtree with the corresponding target business information data in the target business information group; if there is node data in any node of the target subtree that is consistent with the corresponding target business information data in the target business information group, then according to the preset rate determination rules, obtaining the first rate result associated with the target business information group.

[0037] Specifically, the service information corresponding to each group of rules in the rate determination rules is marked on a prefix tree. A prefix tree, also known as a trie or dictionary tree, is a tree structure. Its typical applications include statistics, sorting, and storing a large number of strings. It can utilize the common prefixes of strings to reduce query time and minimize unnecessary string comparisons. Multiple subtrees can be divided in the prefix tree, and multiple nodes can be set on each subtree. In this embodiment, the rate search prefix tree is a prefix tree used to query rate rules and rate results. For example, the set rate rules may include the following rules: determine the rate according to the channel, term, type, and amount; determine the rate according to the channel, term, and branch number; determine the rate according to the channel, term, and customer number; determine the rate according to the channel and term; determine the rate according to the channel and branch number; determine the rate according to the branch number; determine the rate according to the customer number, etc. Figure 2 It is a schematic diagram of the rate search prefix tree. Four subtrees 202 branch out from the root node 201 of the rate search prefix tree. The subtrees 202 are divided into the first subtree 2021, the second subtree 2022, the third subtree 2023, and the fourth subtree 2024. Each branch of the subtrees 202 includes at least one node. The nodes of the first subtree 2021 are the channel, term, type, and amount, the nodes of the second subtree 2022 are the channel and branch number, the nodes of the third subtree 2023 are the branch number, and the nodes of the fourth subtree 2024 are the customer number. All the nodes in each branch of the subtrees 202 form a rate query rule. For example, the rate query rule represented by the first subtree 2021 is to determine the rate according to the user's channel, term, type, and amount, and the rate query rule of the fourth subtree 2024 is to determine the rate according to the user's customer number.

[0038] After obtaining the target service information group, match the target service information in the target service information group with the branch subtrees in the rate search prefix tree to find the target subtree, where the node name in the target subtree is the same as the name of the target service information. Compare the node data in each node of the target subtree with the data in the target service information of the same name one by one. The node stores at least one target service information data corresponding to the target service information. That is to say, a node can include at least one piece of node data, and a node can include all possible target service information data that may appear in the corresponding target service information. For example, if the name of the node is the number of periods, and the number of periods of the service can be three periods, six periods, or twelve periods, then the data in this node can include three periods, six periods, and twelve periods. Each target service information name of the user includes one piece of data of the target service information. For example, if the user wants to handle a service with three periods, then the target service information data with the name of the number of periods in the target service information is three periods. Compare the node data with the corresponding target service information data to determine whether the node data contains the corresponding target service information data. If there is node data in each node of the target subtree that is consistent with the corresponding target service information data in the target service information group, it means that the target service information group conforms to the rate determination rule of the target subtree. According to the preset rate determination rule, obtain the first rate result associated with the target service information group. The rate determination rule pre-determines the rate result under different target service information data. The beneficial effect of this setting is that by searching for the rate determination rule and rate result through the nodes of the subtree in the prefix tree, the rate can be determined from multiple dimensions, and users can have more choices for the data of the target service information, solving the problem of single and fixed dimensions for determining the rate in the prior art and improving the flexibility and efficiency of rate determination.

[0039] In this embodiment, optionally, after comparing the node data of each node in the target subtree with the corresponding target service information data in the target service information group, it further includes: if there is no node data in any node of the target subtree that is consistent with the corresponding target service information data, then according to the preset traversal rule, determine the other subtrees in the rate search prefix tree except the target subtree; compare the node data of each node in the other subtrees with the corresponding target service information data in the target service information group; if there is node data in any node of the other subtrees that is consistent with the corresponding target service information data in the target service information group, then according to the preset rate determination rule, obtain the first rate result associated with the target service information group.

[0040] Specifically, after determining the target subtree, compare the node data of the nodes in the target subtree with the corresponding target service information data. If there is at least one target service information data that cannot find consistent node data in the corresponding nodes of the target subtree, the rate result cannot be determined according to the rate determination rule of the target subtree. According to the preset traversal rule, lock other subtrees in the rate search prefix tree. Other subtrees are subtrees other than the target subtree. Compare the node data of each node in the other subtrees with the corresponding target service information data in the target service information group to determine whether there is consistent node data with the corresponding target service information data in each node. If all exist, according to the preset rate determination rule, obtain the first rate result associated with the target service information group; if there is at least one node without the corresponding target service information data, continue to search for other subtrees according to the preset traversal rule. The beneficial effect of such a setting is that it is not necessary for staff to manually search for rates, saving manpower and time, avoiding the problem of data chaos when manually searching for target service information data, and improving the accuracy and efficiency of rate determination.

[0041] In this embodiment, optionally, the preset traversal rule adopts the depth-first strategy of the backtracking algorithm.

[0042] Specifically, the backtracking method can search for problems according to the depth-first strategy. First, start from the root node of the prefix tree to search the solution space tree. When the algorithm searches to a certain node of the solution space tree, first use the pruning function to judge whether the node is feasible, that is, whether there is corresponding target service information data in the node. If it is not feasible, skip the search of the subtree where the node is located and backtrack to the root node to search for other subtrees; if it is feasible, continue to search in the subtree according to the depth-first strategy. After completing the search of all nodes in a subtree, the other subtrees can be searched in turn according to the order or number of the subtrees to perform the traversal of the subtrees. According to each subtree, a rate result may be obtained. The beneficial effect of such a setting is that it can ensure the traversal of all nodes in the subtree or all subtrees, avoid data omission, and improve the efficiency and accuracy of rate determination.

[0043] In this embodiment, optionally, the rate determination rule is stored in the Redis database.

[0044] Specifically, different rate determination rules and the rate results corresponding to the rate determination rules are stored in a Redis (Remote Dictionary Server) database in the form of (KEY, ZSET), where KEY represents the key and ZSET represents the ordered set. Storing each rate determination rule and the corresponding rate result facilitates finding the rate result according to the rate determination rule. The beneficial effect of such a setting is that using the form of (KEY, ZSET) is conducive to associating the rate rules and the rate results, improving the efficiency of rate lookup.

[0045] The technical solution of this embodiment obtains business information from the user's rate determination request, searches for target business information from the business information according to the preset business information screening rules to form a target business information group, and determines the rate result associated with the target business information group according to the rate determination rule. It avoids the situation in the prior art where the rate can only be determined based on a single fixed piece of business information, solves the problem that when the user meets multiple pieces of business information simultaneously, the unique rate cannot be determined, improves the flexibility of rate determination, and at the same time improves the efficiency and accuracy of rate determination.

[0046] Embodiment 2

[0047] Figure 3 As shown in the flowchart of a rate determination method provided in Embodiment 2 of the present invention, this embodiment is further optimized based on the above embodiment, and this method can be executed by a rate determination device. As Figure 3 shown, the method specifically includes the following steps:

[0048] S310. Obtain the user's business information according to the rate determination request sent by the user.

[0049] S320. Determine a target business information group from the business information according to the preset business information screening rules.

[0050] S330. Determine a target subtree in the rate lookup prefix tree that records the target business information group according to the target business information group.

[0051] S340. Compare the node data of each node in the target subtree with the corresponding target business information data in the target business information group.

[0052] S350. If there is node data in any node of the target subtree that is the same as the corresponding target business information data in the target business information group, obtain a first rate result associated with the target business information group according to the preset rate determination rule.

[0053] Among them, if there is no node data in any node of the target subtree that is consistent with the corresponding target service information data, then according to the preset traversal rule, other subtrees in the rate search prefix tree except the target subtree are determined. The node data of each node in the other subtrees is compared with the corresponding target service information data in the target service information group. If there is node data in any node of the other subtrees that is consistent with the corresponding target service information data in the target service information group, then according to the preset rate determination rule, the first rate result associated with the target service information group is obtained.

[0054] S360. Determine the un-traversed subtrees in the rate search prefix tree according to the preset traversal rule.

[0055] Among them, after obtaining the first rate result, according to the preset traversal rule, the un-traversed subtrees in the rate search prefix tree are determined, so as to continue to determine the rate result according to the un-traversed subtrees. For example, each subtree can be traversed in sequence according to the subtree number until all subtrees are traversed. After a subtree is traversed, an identifier can be added to the traversed subtree to avoid repeated traversal of the subtree.

[0056] S370. Compare the node data of each node in the un-traversed subtrees with the corresponding target service information data in the target service information group.

[0057] Among them, the number of nodes in the subtree may not be the same as the number of target service information in the target service information group. If the number of nodes in the subtree is greater than the number of target service information in the target service information group, the target service information group does not conform to the rate determination rule of the subtree, and the rate result cannot be generated according to the subtree; if the number of nodes in the subtree is less than or equal to the number of target service information in the target service information group, it is determined whether the node names in the subtree can all find the corresponding target service information names in the target service information group. If so, the rate rule can be determined according to the subtree, and the extra target service information in the target service information group can be not considered in the rate calculation; if not, the rate result cannot be generated according to the subtree. For example, the target service information in the target service information group includes channel, term, type, and amount. There are three subtrees in the rate search prefix tree. The nodes of the first subtree are channel, term, type, and amount. The nodes of the second subtree are channel and term. The nodes of the third subtree are channel and branch number. The nodes of the three subtrees are respectively compared with the target service information. The node names in the first subtree and the second subtree can be found in the target service information group, and the branch number in the third subtree cannot be found in the target service information group. Therefore, the rate result cannot be obtained according to the third subtree.

[0058] S380. If there is node data in any node of the un-traversed subtree that is the same as the target service information data corresponding to the target service information group, then according to the preset rate determination rule, obtain the second rate result associated with the target service information group.

[0059] Among them, if there is node data in any node of the un-traversed subtree that is the same as the target service information data corresponding to the target service information group, then the second rate result under this subtree can be obtained. For example, the target service information in the target service information group is three periods and mobile banking. The node data in the period node of a subtree is six periods and twelve periods. Then there is no node data in the period node of this subtree that is the same as the corresponding target service information data, and the rate result cannot be generated according to this subtree. Multiple rate results can be obtained in a rate search prefix tree, and the number of rate results is less than or equal to the number of subtrees.

[0060] In this embodiment, optionally, after obtaining the second rate result associated with the target service information group, it further includes: comparing the magnitudes of the first rate result and the second rate result; and determining the rate result that meets the rate acquisition requirement according to the preset rate acquisition requirement.

[0061] Specifically, if multiple rate results are obtained, then a unique rate result can be determined from the multiple rate results. The rate acquisition requirement can be preset. For example, the minimum rate or the maximum rate can be obtained, or any one of the equal rates can be selected. Compare the magnitudes of the multiple rates and sort them according to the magnitudes. According to the preset rate acquisition requirement, obtain the unique rate result. The beneficial effect of such a setting is that it can avoid the problem that after meeting multiple rate determination conditions, multiple rates are obtained and the final value cannot be determined, thereby improving the accuracy of rate determination.

[0062] In the embodiment of the present invention, service information is obtained from the user's rate determination request. According to the preset service information screening rule, target service information is searched from the service information to form a target service information group. According to the rate determination rule, the first rate result under the target subtree is determined. Traverse other un-traversed subtrees to obtain the second rate result, compare the magnitudes of the multiple rate results, and obtain a unique value. It avoids the situation in the prior art where the rate can only be determined according to a single fixed service information, solves the problem that when the user meets multiple service information at the same time, a unique rate cannot be determined, improves the flexibility of rate determination, and at the same time improves the efficiency and accuracy of rate determination.

[0063] Embodiment III

[0064] Figure 4 It is a structural block diagram of a rate determination device provided in Embodiment III of the present invention, which can execute the rate determination method provided in any embodiment of the present invention and has the corresponding functional modules and beneficial effects for executing the method. AsFigure 4 As shown, the device specifically includes:

[0065] A service information acquisition module 401, configured to acquire the user's service information according to a rate determination request issued by the user;

[0066] A target group determination module 402, configured to determine a target service information group from the service information according to a preset service information screening rule;

[0067] A rate determination module 403, configured to obtain a rate result associated with the target service information group according to the target service information group and a preset rate determination rule.

[0068] Optionally, the service information includes a channel, a term, a type, an amount, a branch, and a customer number.

[0069] Optionally, the device further includes:

[0070] A rule determination module, configured to determine a service information screening rule and a rate determination rule according to preset service handling requirements before acquiring the user's service information according to a rate determination request issued by the user.

[0071] Optionally, the target group determination module 402 is specifically configured to:

[0072] Determine a target service information group according to a preset ranking of the service information in the service information screening rule; wherein, the target service information group includes at least one target service information.

[0073] Optionally, the rate determination module 403 includes:

[0074] A target subtree determination unit, configured to determine a target subtree in the rate search prefix tree that records the target service information group according to the target service information group;

[0075] A data comparison unit, configured to compare the node data of each node in the target subtree with the corresponding target service information data in the target service information group;

[0076] A first result determination unit, configured to, if there is node data in any node of the target subtree that is the same as the corresponding target service information data in the target service information group, obtain a first rate result associated with the target service information group according to a preset rate determination rule.

[0077] Optionally, the device further includes:

[0078] An other subtree determination module, configured to, after comparing the node data of each node in the target subtree with the corresponding target service information data in the target service information group, if there is no node data in any node of the target subtree that is the same as the corresponding target service information data, determine other subtrees in the rate search prefix tree except the target subtree according to a preset traversal rule;

[0079] An other subtree data comparison module, configured to compare the node data of each node in the other subtrees with the corresponding target service information data in the target service information group;

[0080] An other subtree result determination module, configured to, if there is node data in any node of the other subtrees that is the same as the corresponding target service information data in the target service information group, obtain a first rate result associated with the target service information group according to a preset rate determination rule.

[0081] Optionally, at least one target service information data corresponding to the target service information is stored in the node.

[0082] Optionally, the apparatus further includes:

[0083] An un-traversed subtree determination module, configured to, after obtaining the first rate result associated with the target service information group, determine the un-traversed subtrees in the rate search prefix tree according to a preset traversal rule;

[0084] An un-traversed data comparison module, configured to compare the node data of each node in the un-traversed subtrees with the corresponding target service information data in the target service information group;

[0085] A second result determination module, configured to, if there is node data in any node of the un-traversed subtrees that is the same as the corresponding target service information data in the target service information group, obtain a second rate result associated with the target service information group according to a preset rate determination rule.

[0086] Optionally, the preset traversal rule adopts the depth-first strategy of the backtracking algorithm.

[0087] Optionally, the apparatus further includes:

[0088] A size comparison module, configured to compare the sizes of the first rate result and the second rate result after obtaining the second rate result associated with the target service information group;

[0089] A rate result determination module, configured to determine a rate result that meets the rate acquisition requirements according to a preset rate acquisition requirement.

[0090] Optionally, the rate determination rule is stored in the Redis database.

[0091] In an embodiment of the present invention, business information is obtained from a user's rate determination request, and according to a preset business information screening rule, target business information is searched from the business information to form a target business information group, and according to a rate determination rule, a rate result associated with the target business information group is determined. This avoids the situation in the prior art where the rate can only be determined based on a single fixed piece of business information, solves the problem that when a user meets multiple pieces of business information at the same time, a unique rate cannot be determined, improves the flexibility of rate determination, and at the same time improves the efficiency and accuracy of rate determination.

[0092] Embodiment 4

[0093] Figure 5 FIG. 7 is a schematic structural diagram of a computer device provided in Embodiment 4 of the present invention. Figure 5 FIG. 8 shows a block diagram of an exemplary computer device 500 suitable for implementing the embodiments of the present invention. Figure 5 The shown computer device 500 is only an example and should not impose any limitation on the functions and usage scope of the embodiments of the present invention.

[0094] As Figure 5 shown, the computer device 500 is presented in the form of a general-purpose computing device. The components of the computer device 500 may include, but are not limited to: one or more processors or processing units 501, a system memory 502, and a bus 503 connecting different system components (including the system memory 502 and the processing unit 501).

[0095] The bus 503 represents one or more of several types of bus structures, including a memory bus or a memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus using any of the multiple bus structures. For example, these architectures include, but are not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MAC) bus, an Enhanced ISA bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

[0096] The computer device 500 typically includes a variety of computer system-readable media. These media can be any available media accessible by the computer device 500, including volatile and non-volatile media, removable and non-removable media.

[0097] The system memory 502 may include computer system-readable media in the form of volatile memory, such as random access memory (RAM) 504 and / or cache memory 505. The computer device 500 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 506 may be used for reading and writing non-removable, non-volatile magnetic media ( Figure 5not shown, typically referred to as a "hard disk drive"). Although Figure 5 not shown in Figure 5 , a disk drive for reading and writing a removable non-volatile disk (such as a "floppy disk") and an optical disk drive for reading and writing a removable non-volatile optical disk (such as a CD-ROM, DVD-ROM, or other optical medium) may be provided. In these cases, each drive may be connected to the bus 503 through one or more data medium interfaces. The memory 502 may include at least one program product having a set (such as at least one) of program modules configured to perform the functions of the embodiments of the present invention.

[0098] A program / utility 508 having a set (at least one) of program modules 507 may be stored in, for example, the memory 502. Such program modules 507 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment. The program modules 507 generally perform the functions and / or methods in the embodiments described in the present invention.

[0099] The computer device 500 may also communicate with one or more external devices 509 (such as a keyboard, a pointing device, a display 510, etc.), and may also communicate with one or more devices that enable a user to interact with the computer device 500, and / or communicate with any device that enables the computer device 500 to communicate with one or more other computing devices (such as a network card, a modem, etc.). Such communication may be carried out through an input / output (I / O) interface 511. Moreover, the computer device 500 may also communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through a network adapter 512. As shown in the figure, the network adapter 512 communicates with other modules of the computer device 500 through the bus 503. It should be understood that although not shown in the figure, other hardware and / or software modules may be used in combination with the computer device 500, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0100] The processing unit 501 executes various functional applications and data processing by running programs stored in the system memory 502, such as implementing a rate determination method provided by an embodiment of the present invention, including:

[0101] Obtaining the user's service information according to a rate determination request issued by the user;

[0102] Determining a target service information group from the service information according to a preset service information screening rule;

[0103] According to the target service information group and the preset rate determination rule, obtain the rate result associated with the target service information group.

[0104] Embodiment 5

[0105] Embodiment 5 of the present invention further provides a storage medium containing computer-executable instructions, on which a computer program is stored. When the program is executed by a processor, it implements a rate determination method provided by an embodiment of the present invention, including:

[0106] According to the rate determination request sent by the user, obtain the user's service information;

[0107] According to the preset service information screening rule, determine the target service information group from the service information;

[0108] According to the target service information group and the preset rate determination rule, obtain the rate result associated with the target service information group.

[0109] The computer storage medium of the embodiment of the present invention can adopt any combination of one or more computer-readable media. The computer-readable medium can be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples (non-exhaustive list) of the computer-readable storage medium include: an electrical connection having one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this document, the computer-readable storage medium can be any tangible medium that contains or stores a program, and the program can be used by or in combination with an instruction execution system, apparatus, or device.

[0110] The computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, which carries the computer-readable program code. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, and the computer-readable medium can send, propagate, or transmit a program for use by or in combination with an instruction execution system, apparatus, or device.

[0111] The program code contained on the computer-readable medium can be transmitted with any suitable medium, including but not limited to wireless, wire, optical fiber cable, RF, etc., or any suitable combination of the above.

[0112] The computer program code for performing the operations of the present invention can be written in one or more programming languages or combinations thereof. The programming languages include object-oriented programming languages such as Java, Smalltalk, C++, and also include conventional procedural programming languages such as the "C" language or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, executed as an independent software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any kind of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, by using an Internet service provider to connect through the Internet).

[0113] Note that the above is only the preferred embodiment of the present invention and the technical principles applied. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein. Various obvious changes, re-adjustments, and substitutions can be made by those skilled in the art without departing from the protection scope of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments. Without departing from the concept of the present invention, more other equivalent embodiments can be included, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A rate determination method, characterized in that, Including: Determine a business information screening rule and a rate determination rule according to preset business handling requirements, and improve and modify them during the use of the business information screening rule and the rate determination rule; wherein, the rate determination rule is stored in a Redis database; Obtain the user's business information according to a rate determination request sent by the user; wherein, the business information includes a channel, a term, a type, an amount, a branch, and a customer number; Preset a ranking of the importance of the business information according to the business information screening rule, and determine a target business information group; wherein, the target business information group is composed of useful information in the business information, and the target business information group includes at least one target business information; the importance of the business information increases as the influence degree of the business information on the rate determination result increases; Determine a target subtree in the rate search prefix tree that records the target business information group according to the target business information group; Compare the node data of each node in the target subtree with the corresponding target business information data in the target business information group; If there is node data in any node of the target subtree that is consistent with the corresponding target business information data in the target business information group, obtain a first rate result associated with the target business information group according to the rate determination rule; wherein, the rate determination rule is used to determine the rate results corresponding to different target business information groups; the business information marked by each group of rules in the rate determination rule is on the rate search prefix tree; all nodes in each branch of the subtree form a rate determination rule; if there is no node data in any node of the target subtree that is consistent with the corresponding target business information data in the target business information group, determine other subtrees in the rate search prefix tree except the target subtree according to a preset traversal rule; wherein, the preset traversal rule adopts the depth-first strategy of the backtracking algorithm; compare the node data of each node in the other subtrees with the corresponding target business information data in the target business information group; if there is node data in any node of the other subtrees that is consistent with the corresponding target business information data in the target business information group, obtain a first rate result associated with the target business information group according to the rate determination rule; Determine the un-traversed subtrees in the rate search prefix tree according to the preset traversal rule; Compare the node data of each node in the un-traversed subtree with the corresponding target service information data in the target service information group, including: if the number of nodes in the subtree is greater than the number of target service information in the target service information group, then the target service information group does not conform to the rate determination rule of the subtree, and a rate result cannot be generated according to the subtree; if the number of nodes in the subtree is less than or equal to the number of target service information in the target service information group, then determine whether the node names in the subtree can all find the corresponding target service information names in the target service information group; if it is determined that the node names in the subtree can all find the corresponding target service information names in the target service information group, then determine the rate rule according to the subtree, and the extra target service information in the target service information group is not considered in the rate calculation; if it is determined that the node names in the subtree cannot all find the corresponding target service information names in the target service information group, then a rate result cannot be generated according to the subtree. If there is node data in any node of the un-traversed subtree that is the same as the corresponding target service information data in the target service information group, then according to the rate determination rule, obtain a second rate result associated with the target service information group. Compare the magnitudes of the first rate result and the second rate result. According to the preset rate acquisition requirement, determine the rate result that meets the rate acquisition requirement; where the preset rate acquisition requirement is the maximum rate.

2. The method according to claim 1, wherein At least one target service information data corresponding to the target service information is stored in the node.

3. A rate determination device, characterized in that, Including: A rule determination module, configured to determine a service information screening rule and a rate determination rule according to the preset service handling requirements, and improve and modify them during the use of the service information screening rule and the rate determination rule; where the rate determination rule is stored in the Redis database. A service information acquisition module, configured to acquire the service information of the user according to the rate determination request sent by the user; where the service information includes channels, terms, types, amounts, branches, and customer numbers. A target group determination module, configured to preset a ranking of the importance of the service information according to the service information screening rule, and determine a target service information group; where the target service information group consists of useful information in the service information, and the target service information group includes at least one target service information; the importance of the service information increases as the influence degree of the service information on the rate determination result increases. A rate determination module, including: a target subtree determination unit, a data comparison unit, and a first result determination unit. The target subtree determination unit is configured to determine a target subtree in the rate search prefix tree that records the target service information group according to the target service information group. The data comparison unit is configured to compare the node data of each node in the target subtree with the corresponding target service information data in the target service information group. The first result determination unit is configured to, if there is node data in any node of the target subtree that is consistent with the target service information data corresponding to the target service information group, obtain a first rate result associated with the target service information group according to the rate determination rule; wherein, the rate determination rule is used to determine the rate results corresponding to different target service information groups; the service information tags corresponding to the rules in the rate determination rule are on the rate search prefix tree; all nodes in each branch of the subtree form a rate determination rule. The other subtree determination module is configured to, if there is no node data in any node of the target subtree that is consistent with the target service information data corresponding to the target service information group, determine other subtrees in the rate search prefix tree except the target subtree according to a preset traversal rule; wherein, the preset traversal rule adopts the depth-first strategy of the backtracking algorithm. The other subtree data comparison module is configured to compare the node data of each node in the other subtree with the target service information data corresponding to the target service information group. The other subtree result determination module is configured to, if there is node data in any node of the other subtree that is consistent with the target service information data corresponding to the target service information group, obtain a first rate result associated with the target service information group according to the rate determination rule. The un-traversed subtree determination module is configured to determine the un-traversed subtrees in the rate search prefix tree according to the preset traversal rule. The un-traversed data comparison module is configured to compare the node data of each node in the un-traversed subtree with the target service information data corresponding to the target service information group. The un-traversed data comparison module is specifically configured to: if the number of nodes in the subtree is greater than the number of target service information in the target service information group, the target service information group does not conform to the rate determination rule of the subtree, and a rate result cannot be generated according to the subtree; if the number of nodes in the subtree is less than or equal to the number of target service information in the target service information group, determine whether the node names in the subtree can all find corresponding target service information names in the target service information group; if it is determined that the node names in the subtree can all find corresponding target service information names in the target service information group, according to the rate determination rule of the subtree, the extra target service information in the target service information group is not considered in the rate calculation; if it is determined that the node names in the subtree cannot all find corresponding target service information names in the target service information group, a rate result cannot be generated according to the subtree. The second result determination module is configured to, if there is node data in any node of the un-traversed subtree that is consistent with the target service information data corresponding to the target service information group, obtain a second rate result associated with the target service information group according to the rate determination rule. The size comparison module is configured to compare the sizes of the first rate result and the second rate result. A rate result determination module, configured to determine a rate result that meets the preset rate acquisition requirements according to the preset rate acquisition requirements; wherein, the preset rate acquisition requirement is the maximum rate.

4. A computer device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the program, it implements the rate determination method according to any one of claims 1-2.

5. A storage medium containing computer-executable instructions, characterized in that, When executed by a computer processor, the computer-executable instructions are used to execute the rate determination method according to any one of claims 1-2.

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