Business processing method, device and equipment

Abstract

The embodiment of the present application provides a business processing method, device and equipment, the method comprising: obtaining a business processing request for a pending business, the business processing request is used to request obtaining a first number of objects, the business processing request includes multiple business parameters, the multiple business parameters include at least two of the following: the business type of the pending business, the product type of the product on which the pending business depends, user identification and account information; obtaining the priority of each business parameter, and determining a target policy in a preset policy library according to the priority of each business parameter; determining the service fee amount corresponding to the pending business according to the target policy and the first number, the service fee amount being the amount of the service fee required to process the pending business; sending the service fee amount to the client or displaying the service fee amount. Improve the flexibility of determining the service amount.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a business processing method, device and equipment. Background Art

[0002] When a company processes a business, it can charge a service fee for each business. For example, when a user takes out a loan from a bank, the bank will charge a small amount of service fee.

[0003] Currently, companies can determine the service fee for each business based on a fixed rate or a fixed amount. For example, when a user eats at a restaurant, the restaurant charges a service fee of 10 yuan, or when a user borrows 1 million yuan from a bank, the bank charges the user a service fee of 2,500 yuan based on a fixed rate of 0.0025. However, with the diversification of business scenarios, companies determine the service fee amount based on a fixed rate or a fixed amount, resulting in low flexibility in determining the service amount. Summary of the invention

[0004] The embodiments of the present application provide a business processing method, apparatus and device for solving the technical problem of low flexibility in determining service amounts in the prior art.

[0005] In a first aspect, an embodiment of the present application provides a service processing method, the method comprising:

[0006] Obtaining a business processing request for the business to be processed, the business processing request being used to request obtaining a first number of objects, the business processing request including a plurality of business parameters, the plurality of business parameters including at least two of the following: a business type of the business to be processed, a product type of a product on which the business to be processed depends, a user identifier, and account information;

[0007] Obtaining the priority of each business parameter, and determining a target policy in a preset policy library according to the priority of each business parameter;

[0008] Determine, according to the target strategy and the first quantity, a service fee amount corresponding to the pending business, wherein the service fee amount is an amount of the service fee required to process the pending business;

[0009] The service fee amount is sent to the client or the service fee amount is displayed.

[0010] In a possible implementation, according to the priority of each service parameter, determining a target policy in a preset policy library includes:

[0011] Determine an i-th parameter set according to the priorities of the multiple business parameters, and match a corresponding policy in the preset policy library according to the i-th parameter set, wherein the i-th parameter set includes at least one of the multiple business parameters;

[0012] Among them, the i is successively 1, 2, ..., until the number of policies matched in the pre-policy library is less than or equal to the first threshold, and the target policy is determined in the matched policies; the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set.

[0013] In a possible implementation, determining the i-th parameter set according to the priorities of the multiple service parameters includes:

[0014] If the value of i is 1, it is determined that the i-th parameter set includes the service type, the product type, the user identifier, and the account information;

[0015] If the i is greater than 1, the i-th parameter set is determined according to the number and priority of the service parameters included in the i-1-th parameter set.

[0016] In a possible implementation, determining the i-th parameter set according to the number and priority of the service parameters included in the i-1-th parameter set includes:

[0017] Deleting a service parameter with the lowest priority from the i-1th parameter set to obtain the i-th parameter set; or,

[0018] If the number of business parameters included in the i-1th parameter set is less than 4, the business parameters in the i-1th parameter set are replaced according to the priorities of the business parameters included in the i-1th parameter set to obtain the i-th parameter set.

[0019] In a possible implementation, performing replacement processing on the service parameters in the i-1th parameter set according to the priorities of the service parameters included in the i-1th parameter set includes:

[0020] Determining, from the plurality of service parameters, a first service parameter not included in the (i-1)th parameter set;

[0021] Determine a second service parameter in the (i-1)th parameter set according to the priority of the first service parameter and the priority of each service parameter in the (i-1)th parameter set, the priority of the second service parameter being higher than the priority of the first service parameter;

[0022] The second service parameter in the (i-1)th parameter set is replaced by the first service parameter.

[0023] In a possible implementation, obtaining the priority of each service parameter and determining a target policy in a preset policy library according to the priority of each service parameter includes:

[0024] Inputting the business type, the product type, the user identification and the account information into a preset model to obtain the target strategy;

[0025] The preset model is obtained by learning multiple groups of samples, each group of samples includes multiple sample business parameters and corresponding sample target strategies, and the multiple sample business parameters include: sample business type, sample product type, sample user identification and sample account information.

[0026] In a possible implementation manner, determining, according to the target strategy and the first quantity, a service fee amount corresponding to the service to be processed includes:

[0027] Determine the charging method of the service fee, which may be a one-time charge or multiple charges;

[0028] If the charging method is a one-time charging, the first amount is processed according to the target strategy to obtain the service fee amount;

[0029] If the charging method is multiple charges, determine the charging cycle; for any charging cycle, determine the floating rate and cycle number corresponding to the charging cycle based on the first number and the target strategy; determine the service fee amount corresponding to the charging cycle based on the floating rate, the cycle number and the target strategy.

[0030] In a second aspect, the present application provides a service processing device, the service processing device comprising a first acquisition module, a second acquisition module, a determination module and a sending module, wherein:

[0031] The first acquisition module is used to acquire a business processing request for the business to be processed, the business processing request is used to request to acquire a first number of objects, the business processing request includes multiple business parameters, and the multiple business parameters include at least two of the following: the business type of the business to be processed, the product type of the product on which the business to be processed depends, a user identifier, and account information;

[0032] The second acquisition module is used to obtain the priority of each service parameter and determine the target policy in the preset policy library according to the priority of each service parameter;

[0033] The determination module is used to determine, according to the target strategy and the first quantity, a service fee amount corresponding to the pending business, wherein the service fee amount is an amount of the service fee required to process the pending business;

[0034] The sending module is used to send the service fee amount to the client or display the service fee amount.

[0035] In a possible implementation method, the second acquisition module is specifically used to:

[0036] Determine an i-th parameter set according to the priorities of the multiple business parameters, and match a corresponding policy in the preset policy library according to the i-th parameter set, wherein the i-th parameter set includes at least one of the multiple business parameters;

[0037] Among them, the i is successively 1, 2, ..., until the number of policies matched in the pre-policy library is less than or equal to the first threshold, and the target policy is determined in the matched policies; the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set.

[0038] In a possible implementation method, the second acquisition module is specifically used to:

[0039] If the value of i is 1, it is determined that the i-th parameter set includes the service type, the product type, the user identifier, and the account information;

[0040] If the i is greater than 1, the i-th parameter set is determined according to the number and priority of the service parameters included in the i-1-th parameter set.

[0041] In a possible implementation method, the second acquisition module is specifically used to:

[0042] Deleting a service parameter with the lowest priority from the i-1th parameter set to obtain the i-th parameter set; or,

[0043] If the number of business parameters included in the i-1th parameter set is less than 4, the business parameters in the i-1th parameter set are replaced according to the priorities of the business parameters included in the i-1th parameter set to obtain the i-th parameter set.

[0044] In a possible implementation method, the second acquisition module is specifically used to:

[0045] Determining, from the plurality of service parameters, a first service parameter not included in the (i-1)th parameter set;

[0046] Determine a second service parameter in the (i-1)th parameter set according to the priority of the first service parameter and the priority of each service parameter in the (i-1)th parameter set, the priority of the second service parameter being higher than the priority of the first service parameter;

[0047] The second service parameter in the (i-1)th parameter set is replaced by the first service parameter.

[0048] In a possible implementation method, the second acquisition module is specifically used to:

[0049] Inputting the business type, the product type, the user identification and the account information into a preset model to obtain the target strategy;

[0050] The preset model is obtained by learning multiple groups of samples, each group of samples includes multiple sample business parameters and corresponding sample target strategies, and the multiple sample business parameters include: sample business type, sample product type, sample user identification and sample account information.

[0051] In a possible implementation method, the determining module is specifically used to:

[0052] Determine the charging method of the service fee, which may be a one-time charge or multiple charges;

[0053] If the charging method is a one-time charging, the first amount is processed according to the target strategy to obtain the service fee amount;

[0054] If the charging method is multiple charges, determine the charging cycle; for any charging cycle, determine the floating rate and cycle number corresponding to the charging cycle based on the first number and the target strategy; determine the service fee amount corresponding to the charging cycle based on the floating rate, the cycle number and the target strategy.

[0055] In a third aspect, an embodiment of the present application provides a service processing device, including: a processor and a memory;

[0056] The memory stores computer-executable instructions;

[0057] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the business processing method as described in any one of the first aspects.

[0058] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer execution instructions, and when the computer execution instructions are executed by a processor, they are used to implement the business processing method described in any one of the first aspects.

[0059] In a fifth aspect, the present invention further provides a computer program product, comprising a computer program, which, when executed by a processor, implements the steps of the business processing method as described in any one of the preceding items.

[0060] The embodiment of the present application provides a business processing method, device and equipment, which obtains a business processing request for a pending business, and the business processing request is used to request to obtain a first number of objects, wherein the business processing request includes multiple business parameters, and the multiple business parameters include at least two of the following: the business type of the pending business, the product type of the product on which the pending business depends, the user identification and account information, obtain the priority of each business parameter, and determine the target policy in the preset policy library according to the priority of each business parameter, and determine the service fee amount corresponding to the pending business according to the target policy and the first number, wherein the service fee amount is the amount of the service fee required to process the pending business, and send the service fee amount to the client or display the service fee amount. In the above method, the service fee amount is determined according to the first number corresponding to the multiple business parameters and the objects in the business processing request. Since the multiple business parameters can accurately reflect the business scenario, different target policies can be determined according to different business parameters, and then the service fee amount corresponding to the business is flexibly determined according to the first number and the target policy, thereby improving the flexibility of determining the service fee amount. BRIEF DESCRIPTION OF THE DRAWINGS

[0061] Figure 1 A schematic diagram of an application scenario provided for an embodiment of the present application;

[0062] Figure 2 A flowchart of a business processing method provided in an embodiment of the present application;

[0063] Figure 3 A flowchart of another business processing method provided in an embodiment of the present application;

[0064] Figure 4 A process diagram of a business processing method provided in an embodiment of the present application;

[0065] Figure 5 A schematic diagram of the structure of a service processing device provided in an embodiment of the present application;

[0066] Figure 6 A schematic diagram of the hardware structure of the business processing device provided for this application. DETAILED DESCRIPTION

[0067] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0068] 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, method, article or device 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, method, article or device. In the absence of further restrictions, an element defined by the sentence "comprises a ..." does not exclude the existence of other identical elements in the process, method, article or device including the element.

[0069] In related technologies, companies can determine the service amount for each business based on a fixed rate or a fixed amount. For example, the rate corresponding to the service fee amount for each loan business of a bank is 0.0025. If a user borrows 200,000 yuan from a bank, the service fee amount corresponding to the loan business is determined to be 500 yuan. If a user borrows 10 million yuan from a bank, the service fee amount corresponding to the loan business is determined to be 25,000 yuan. However, with the diversification of business scenarios, for example, loan businesses include mortgages, commercial loans and other businesses. The company determines the service fee amount based on a fixed rate or a fixed amount, resulting in low flexibility in determining the service amount.

[0070] In order to solve the technical problem of poor accuracy in determining the amount of service fees in the related art, an embodiment of the present application provides a business processing method, which obtains a first number of objects corresponding to the business to be processed, and multiple business parameters corresponding to the business to be processed, the business parameters including at least two of the following: the business type of the business to be processed, the product type of the product on which the business to be processed depends, the user identification and account information, and determines the i-th parameter set according to the priority of the multiple business parameters, and matches the corresponding policy in the preset policy library according to the i-th parameter set, and the i-th parameter set includes at least one business parameter. Wherein, i is 1, 2, ... in sequence, until the number of policies matched in the policy library is less than or equal to the first threshold, and the target policy is determined in the matched policies, and the number of business parameters in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1th parameter set, and the service fee amount corresponding to the business to be processed is determined according to the target policy and the first number, and the service fee amount is sent to the client or the service fee amount is displayed. In the above method, the corresponding strategy can be matched in the preset strategy library according to the priority of each business parameter. Since the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set, and multiple business parameters can accurately reflect the information corresponding to the business, therefore, by screening multiple business parameters, the target strategy can be flexibly determined, thereby improving the flexibility of determining the service fee amount.

[0071] Next, combine Figure 1 , introduces the application scenarios of the embodiments of the present application.

[0072] Figure 1 This is a schematic diagram of an application scenario provided by the embodiment of this application. Figure 1 , including a client and a terminal device. The client sends a plurality of business parameters and a first number of objects to the terminal device. For example, the client sends the business type of the pending business, the product type of the product on which the pending business depends, the user identification and account information, and the first number of objects corresponding to the pending business to the terminal. The terminal device determines the target strategy corresponding to the pending business based on the plurality of business parameters, and then determines the amount of service fee corresponding to the pending business based on the target strategy and the first number. When the terminal device obtains the amount of service fee corresponding to the pending business, the terminal device may send the amount of service fee corresponding to the pending business to the client. In this way, the target strategy may be flexibly determined in combination with a plurality of business parameters, thereby improving the flexibility of determining the amount of service fee.

[0073] The technical solutions shown in the present application are described in detail below through specific embodiments. It should be noted that the following embodiments can exist independently or in combination with each other, and the same or similar contents will not be described repeatedly in different embodiments.

[0074] Figure 2 A flowchart of a business processing method provided in an embodiment of the present application. Figure 2 , the method may include:

[0075] S201: Obtain a business processing request for a business to be processed.

[0076] The execution subject of the embodiment of the present application may be a terminal device, or a service processing device arranged in the terminal device, wherein the service processing device may be implemented by a combination of software and / or hardware.

[0077] Optionally, the terminal device is any device with a data processing function, for example, a mobile phone, a computer, or the like.

[0078] The business processing request is used to request to obtain a first number of objects. The object may be an object corresponding to the business to be processed. For example, the object may be a commodity, funds, etc. For example, the business processing request is used to request to purchase 10 books, or the business processing request is used to request a loan of 1 million yuan.

[0079] The service processing request includes multiple service parameters, including at least two of the following: the service type of the service to be processed, the product type of the product on which the service to be processed depends, the user identifier, and the account information.

[0080] The business type of the pending business is the business type to which the pending business belongs when the pending business is processed. For example, the business type of the pending business may be a purchase business, a loan business, etc. For example, in the field of financial technology, the business type of the pending business may be an export business, an import business, a trade financing business, a remittance business, a retail business, or a loan business, etc.

[0081] The product type is the type of product that the pending business depends on. For example, in the field of financial technology, if the business type of the pending business is a loan business, the product type of the product that the pending business depends on can be a real estate loan product, a commercial loan product, etc.

[0082] The user ID is the ID of the user corresponding to the pending business. For example, if Company A applies for a loan of RMB 10 million from a bank, the user ID corresponding to the pending business is the ID of Company A; if User A buys 10 books in a bookstore, the user ID corresponding to the pending business is the ID of User A.

[0083] The account information is the account information corresponding to the pending business. For example, if Company A applies for a loan of RMB 10 million from a bank, if Company A uses Account A to apply for the loan, the account information corresponding to the pending business is the information corresponding to Account A; if Company A uses Account B to apply for the loan, the account information corresponding to the pending business is the information corresponding to Account B.

[0084] Optionally, the terminal device may obtain the service processing request from the client. For example, the terminal device may receive the service processing request sent by the client and process the service according to the service processing request sent by the client.

[0085] Optionally, the terminal device may obtain the service processing request according to the information input by the user. For example, when the user inputs the service processing request into the terminal device, the terminal device may process the service when obtaining the service processing request.

[0086] S202: Obtain the priority of each service parameter, and determine a target policy in a preset policy library according to the priority of each service parameter.

[0087] Optionally, the priority corresponding to each business parameter may be preset. For example, among the multiple business parameters of the business processing request, the priority of the business type of the business to be processed is preset to be higher than the priority of the product type of the product on which the business to be processed depends, the priority of the product type of the product on which the business to be processed depends is higher than the priority of the user identifier, the priority of the user identifier is higher than the priority of the account information, or the priority of the account information is preset to be higher than the priority of the user identifier, the priority of the user identifier is higher than the priority of the product type of the product on which the business to be processed depends, the priority of the product type of the product on which the business to be processed depends is higher than the priority of the business type of the business to be processed.

[0088] The preset policy library includes at least one policy for determining the amount of service fee corresponding to the pending business. Optionally, the policy for determining the amount of service fee may include at least one of the following policies: fixed amount policy, fixed rate policy, floating rate interval policy, and floating rate gradient policy.

[0089] The service fee amount is the amount of service fees required to process the pending business. For example, when a user uses a mobile phone to send a text message through an operator, the operator charges a text message service fee. For example, when a user takes out a loan from a bank, the bank charges a loan service fee. For example, if a bank sets a disposable amount of 10 million yuan for a company, and the company uses 3 million yuan, the bank will charge a service fee for the remaining 7 million yuan.

[0090] The fixed amount policy means that the service fee amount corresponding to the pending business is a fixed amount. For example, the operator sets the service fee amount policy corresponding to the SMS sending business as a fixed amount policy. When the user sends a SMS, the operator charges a fixed amount of 0.1 yuan; the bank sets the service fee amount policy corresponding to the letter of credit modification business as a fixed amount policy. When the user modifies the letter of credit, the bank charges a fixed amount of 300 yuan.

[0091] The fixed rate strategy means that the service fee amount corresponding to the business to be processed is a fixed rate. For example, the bank sets the rate of real estate loans at 0.0025. When the bank processes a real estate loan business of 1 million yuan, the bank charges a service fee of 2,500 yuan; the bank sets the rate of commercial loans at 0.005. When the bank processes a commercial loan business of 2 million yuan, the bank charges a service fee of 10,000 yuan.

[0092] The floating rate interval strategy means that the first quantity of objects corresponding to the pending business is different, and the rate of the service fee amount is different. Optionally, the rate of the service fee amount can be determined according to the first quantity of objects corresponding to the pending business. For example, the first quantity of objects corresponding to the pending business is in a different quantity interval, and the rate of the service fee amount corresponding to the pending business is different. For example, the bank sets the loan rate of 0-110,000 yuan to 0.005, the loan rate of 110,000-200,000 yuan to 0.003, and the loan rate of 210,000-300,000 yuan to 0.001. If the user's loan amount is 100,000 yuan, the service fee amount is 500 yuan, if the user's loan amount is 200,000 yuan, the service fee amount is 300 yuan, and if the user's loan amount is 300,000 yuan, the service fee amount is 300 yuan.

[0093] The floating rate gradient strategy means that the rate of the service fee amount corresponding to the pending business can be changed. For example, the first number of objects corresponding to the pending business includes different rates. For example, the bank sets the rate of 0.005 for a loan amount of 10,000-100,000 yuan, the rate of 0.003 for a loan amount of 110,000-200,000 yuan, and the rate of 0.001 for a loan amount of 210,000-300,000 yuan. If the user's loan amount is 300,000 yuan, then the service fee amount corresponding to the first 100,000 yuan of the 300,000 yuan loan is 500 yuan, the service fee amount corresponding to the second 100,000 yuan is 300 yuan, the service fee amount corresponding to the third 100,000 yuan is 100 yuan, and the service fee amount corresponding to the loan of 300,000 yuan is 900 yuan.

[0094] The target policy is the policy corresponding to the business to be processed. The target policy can be determined in the preset policy library according to the following feasible implementation method: according to the priority of multiple business parameters, the i-th parameter set is determined, and according to the i-th parameter set, the corresponding policy is matched in the preset policy library. The i-th parameter set includes at least one of the multiple business parameters. For example, the i-th parameter set may include the business type of the business to be processed, the product type of the product on which the business to be processed depends, the user identification and account information; the i-th parameter set may also include the product type of the product on which the business to be processed depends, the user identification and account information.

[0095] Among them, i is 1, 2, ..., until the number of policies matched in the policy library is less than or equal to the first threshold, the target policy is determined from the matched policies. For example, when i is 1, if the policy matched by the first parameter set in the preset policy library is a floating rate interval policy, the floating rate interval policy is determined as the target policy.

[0096] Optionally, the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set. For example, if the first parameter set includes 4 business parameters, the number of business parameters in the second parameter set is less than or equal to 4; if the first parameter set includes 2 business parameters, the number of business parameters in the second parameter set is less than or equal to 2.

[0097] Optionally, if the i-th parameter set cannot match a policy in the preset policy library, the policy is matched in the preset policy library according to the i+1-th parameter set. For example, if the first parameter set does not match a policy in the preset policy library, the policy is matched in the preset policy library according to the second parameter set; if the second parameter set does not match a policy in the preset policy library, the policy is matched in the preset policy library according to the third parameter set.

[0098] S203: Determine a service fee amount corresponding to the business to be processed according to the target strategy and the first quantity.

[0099] The service fee amount is the amount of the service fee required to process the pending business. The service fee amount corresponding to the pending business can be determined according to the following feasible implementation methods: Determine the charging method of the service fee. Among them, the charging method is one-time charging or multiple charging. Optionally, when the terminal device obtains the business processing request, the charging method corresponding to the business processing request can be obtained at the same time.

[0100] According to the charging method of service fee, there are two situations to determine the service fee amount corresponding to the pending business:

[0101] Case 1: The charging method is a one-time charge.

[0102] If the charging method is a one-time charge, the service fee amount corresponding to the to-be-processed business can be determined according to the following feasible implementation method: the first quantity is processed according to the target strategy to obtain the service fee amount. For example, if the target strategy is a fixed rate strategy, the service fee amount is determined according to the first quantity and the fixed rate. For example, when the target strategy is a fixed rate strategy, if the user borrows 1 million yuan from a bank and the fixed rate is 0.0025, the service fee amount is 2,500 yuan.

[0103] In this case, if the charging method is a one-time charging, the amount of the service fee charged at one time can be accurately determined according to the target strategy and the first quantity, which can improve the accuracy of determining the amount of the service fee.

[0104] Case 2: The charging method is multiple charges.

[0105] If the charging method is multiple charges, the service fee amount corresponding to the pending business can be determined according to the following feasible implementation methods: determine the charging cycle. For example, the charging cycle can charge the service fee on the 1st of each month. For any charging cycle, determine the floating rate and the number of cycles corresponding to the charging cycle according to the first quantity and the target strategy. Optionally, if the target strategy is a fixed amount strategy, the corresponding service fee amount in the charging cycle does not include the floating rate, and the amount of each charge will not change. For example, if the charging cycle is charged once a month for 1 year, if the service fee amount corresponding to the pending business is fixed at 1,200 yuan, then 100 yuan will be charged per period.

[0106] Optionally, when the rate corresponding to the target policy is a floating rate, the floating rate and the number of cycles corresponding to the charging period are determined, and the service fee amount corresponding to the charging period is determined based on the floating rate, the number of cycles and the target policy. For example, when the target policy is a floating rate interval policy or a floating rate gradient policy, since the first number of objects corresponding to each service to be processed will change, the rate corresponding to the service fee amount will also change, and the floating rate of the service fee amount corresponding to each period is determined, and then the service fee amount corresponding to the charging period is determined based on the floating rate, the number of cycles and the target policy. For example, the target strategy is a floating rate range strategy. The bank provides the company with RMB 10 million in funds. When the remaining amount in the fund pool is less than RMB 5 million, the rate corresponding to the service fee is 0.001. When the remaining amount in the fund pool is more than RMB 5 million, the rate corresponding to the service fee is 0.002. If the number of cycles is 2, the remaining amount in the fund pool in the first cycle is RMB 4 million, and after the company repays the loan, the remaining amount in the fund pool in the second cycle is RMB 6 million, then the service fee amount determined by the bank in the first cycle is RMB 4,000, and the service fee amount determined by the bank in the first cycle is RMB 12,000.

[0107] Optionally, when the bank collects service fees in installments, the service fee amount can be collected from multiple users in batches during the idle period at night.

[0108] S204: Send the service fee amount to the client or display the service fee amount.

[0109] Optionally, when the terminal device determines the service fee amount corresponding to the pending business, the terminal device may display the service fee amount on a display screen, or the terminal device may send the service fee amount to the client.

[0110] The embodiment of the present application provides a business processing method, which obtains a business processing request for a pending business, wherein the business processing request is used to request to obtain a first number of objects, wherein the business processing request includes multiple business parameters, wherein the multiple business parameters include at least two of the following: the business type of the pending business, the product type of the product on which the pending business depends, and the user representation and account information, obtains the priority of each business parameter, determines the i-th parameter set according to the priority of the multiple business parameters, and matches the corresponding policy in the preset policy library according to the i-th parameter set, wherein the i-th parameter set includes at least one of the multiple business parameters, and i is 1, 2, ... in sequence, until the number of policies matched in the pre-policy library is less than or equal to the first threshold, determines the target policy in the matched policies, and the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set. According to the target policy and the first number, determines the service fee amount corresponding to the pending business, sends the service fee amount to the client or displays the service fee amount. In the above method, the corresponding strategy can be matched in the preset strategy library according to the priority of each business parameter. Since the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set, and multiple business parameters can accurately reflect the information corresponding to the business, therefore, by screening multiple business parameters, the target strategy can be flexibly determined, thereby improving the flexibility of determining the service fee amount.

[0111] exist Figure 2 Based on the embodiment shown below, combined with Figure 3 , the above business processing method is explained in detail.

[0112] Figure 3 A flowchart of another business processing method provided in an embodiment of the present application. Figure 3 The method flow includes:

[0113] S301: Obtain a business processing request for a business to be processed.

[0114] The business processing request is used to request to obtain a first number of objects, and the business processing request includes multiple business parameters, and the multiple business parameters include at least two of the following: the business type of the to-be-processed business, the product type of the product on which the to-be-processed business depends, a user identifier, and account information.

[0115] It should be noted that the execution process of step S301 can be parameterized as step S201, which will not be described in detail in the embodiment of the present application.

[0116] S302: Obtain the priority of each service parameter.

[0117] Optionally, the priority of each service parameter may be determined according to a first preset relationship between the service type and the priority relationship. The first preset relationship includes at least one service type and a priority relationship corresponding to each service type. For example, the first preset relationship may be as shown in Table 1:

[0118] Table 1

[0119] Business Type Priority relationship Business Type 1 Priority relationship 1 Business Type 2 Priority relationship 2 Business Type 3 Priority relationship 3 …… ……

[0120] It should be noted that Table 1 is only an example to illustrate the first preset relationship, and is not a limitation to the first preset relationship.

[0121] For example, if the business type of the business to be processed is business type 1, the priority relationship between the multiple business parameters is priority relationship 1; if the business type of the business to be processed is business type 2, the priority relationship between the multiple business parameters is priority relationship 2; if the business type of the business to be processed is business type 3, the priority relationship between the multiple business parameters is priority relationship 3.

[0122] S303: Determine an i-th parameter set according to the priorities of the multiple service parameters, and match a corresponding policy in a preset policy library according to the i-th parameter set.

[0123] The i-th parameter set includes at least one of the multiple business parameters. Wherein, i is 1, 2, ..., until the number of policies matched in the preset policy library is less than or equal to the first threshold, the target policy is determined from the matched policies. The number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set. For example, if the i-th parameter set matches 1 policy in the preset policy library, the policy is determined as the target policy.

[0124] The i-th parameter set may be determined according to the following feasible implementation manner: if i is 1, it is determined that the i-th parameter set includes the business type, product type, user identification and account information.

[0125] If i is greater than 1, the i-th parameter set is determined according to the number and priority of the service parameters included in the i-1th parameter set. Optionally, when i is greater than 1, the i-th parameter set can be determined according to the following two feasible implementations:

[0126] A possible implementation method:

[0127] When i is greater than 1, the lowest priority service parameter is deleted from the i-1th parameter set to obtain the i-th parameter set. For example, the i-1th parameter set includes service type, product type, user ID, and account information. If the priority of account information is the lowest priority service parameter among the service parameters, the i-th parameter set includes service type, product type, and user ID.

[0128] Another possible implementation:

[0129] When i is greater than 1, if the number of business parameters included in the i-1th parameter set is less than 4, the business parameters in the i-1th parameter set are replaced according to the priorities of the business parameters included in the i-1th parameter set to obtain the i-th parameter set. For example, if the i-1th parameter set includes 3 business parameters, the business parameter with the lowest priority may be replaced to obtain the i-th parameter set.

[0130] Optionally, the business parameters in the i-1th parameter set may be replaced according to the following feasible implementation: determining a first business parameter not included in the i-1th parameter set from multiple business parameters. For example, if the i-1th parameter set includes a business type, a product type, and a user identifier, the first business parameter is account information.

[0131] According to the priority of the first business parameter and the priority of each business parameter in the i-1th parameter set, the second business parameter is determined in the i-1th parameter set. The priority of the second business parameter is higher than the priority of the first business parameter. For example, the i-1th parameter set includes business type, product type and account information, and the first business parameter is the user ID. If the priority of the business type is higher than the priority of the product type, the priority of the product type is higher than the priority of the account information, and the priority of the account information is higher than the priority of the user ID, then the second business parameter can be the business type, product type or account information.

[0132] Replace the second business parameter in the i-1th parameter set with the first business parameter. Optionally, when the number of second business parameters is greater than 1, the business parameter with the lowest priority in the second business parameters can be replaced with the first business parameter. For example, the i-1th parameter set includes business type, product type and account information, and the second business parameters are business type, product type and account information. If the priority of the business type is higher than the priority of the product type, and the priority of the product type is higher than the priority of the account information, then replace the account information with the user ID to obtain the i-th parameter set, wherein the i-th parameter set includes the business type, product type and user ID.

[0133] Optionally, the i-th parameter set may be processed according to a preset model to obtain a target strategy. For example, the business type, product type, user ID, and account information are input into the preset model to obtain a target strategy. The preset model is learned from multiple groups of samples, each group of samples includes multiple sample business parameters and corresponding sample target strategies, and the multiple sample business parameters include: sample business type, sample product type, sample user ID, and sample account information. For example, the multiple groups of samples may be as shown in Table 2:

[0134] Table 2

[0135] Multiple samples Sample business parameter set Sample Targeting Strategy The first set of samples Sample business parameter set 1 Sample Target Strategy 1 The second set of samples Sample business parameter set 2 Sample Target Strategy 2 The third group of samples Sample business parameter set 3 Sample Target Strategy 3 …… …… ……

[0136] It should be noted that Table 2 is only an example of multiple groups of samples and is not a limitation on the multiple groups of samples.

[0137] For example, if the business parameter set input into the preset model is sample business parameter set 1, then the strategy matched by the business parameter set is determined to be sample target strategy 1; if the business parameter set input into the preset model is sample business parameter set 2, then the strategy matched by the business parameter set is determined to be sample target strategy 2; if the business parameter set input into the preset model is sample business parameter set 3, then the strategy matched by the business parameter set is determined to be sample target strategy 3.

[0138] S304: Determine the service fee amount corresponding to the business to be processed according to the target strategy and the first quantity.

[0139] The service fee amount is the amount of service fee required to process the pending business.

[0140] It should be noted that the execution process of step S304 can refer to the execution process of step S203, which will not be described in detail here.

[0141] S305: Send the service fee amount to the client or display the service fee amount.

[0142] It should be noted that the execution process of step S304 can refer to the execution process of step S204, which will not be described in detail here.

[0143] The embodiment of the present application provides a business processing method, which obtains a business processing request for a pending business, obtains the priority of each business parameter, determines the i-th parameter set according to the priorities of multiple business parameters, matches the corresponding policy in the preset policy library according to the i-th parameter set, determines the service fee amount corresponding to the pending business according to the target policy and the first quantity, and sends the service fee amount to the client or displays the service fee amount. In the above method, the service fee amount is determined according to the first quantity corresponding to the multiple business parameters and the object in the business processing request. Since the multiple business parameters can accurately reflect the information corresponding to the business, the target policy can be flexibly determined in combination with the multiple business parameters, thereby improving the flexibility of determining the service fee amount.

[0144] Based on any of the above embodiments, Figure 4 , the process of the above business processing method is explained.

[0145] Figure 4 A process diagram of a business processing method provided in an embodiment of the present application. Figure 4 , including a business processing request. The business processing request includes a first number of objects and multiple business parameters. The first number of objects is 1 million yuan, and the multiple business parameters include business type, product type, user identification and account information.

[0146] See also Figure 4 , determine parameter set i, parameter set i includes business type, product type, user identification and account information, wherein the priority of business type is higher than the priority of product type, the priority of product type is higher than the priority of user identification, and the priority of user identification is higher than the priority of account information. According to the parameters and priorities in parameter set i, no target policy is matched in the preset policy library.

[0147] See also Figure 4, according to the priority order in parameter set i, delete the account information with the lowest priority in parameter set i to obtain parameter set i+1, parameter set i+1 includes business type, product type and user identification, wherein the priority of business type is higher than the priority of product type, and the priority of product type is higher than the priority of user identification. According to the business parameters and priority order in parameter set i+1, a policy is matched in the preset policy library, and the policy is determined as the target policy, and the service fee amount corresponding to the pending business is determined according to the target policy and the first quantity. After determining the service fee amount, the terminal device can send the service fee amount to the client or display the service fee amount. In this way, the business scenario can be accurately reflected according to multiple business parameters. Therefore, different target policies can be determined according to different business parameters, and then according to the first quantity and the target policy, the service fee amount corresponding to the business can be flexibly determined, thereby improving the flexibility of determining the service fee amount.

[0148] Figure 5 This is a schematic diagram of the structure of a service processing device provided in an embodiment of the present application. The service processing device 10 can be set in a terminal device. Figure 5 The service processing device 10 may include a first acquisition module 11, a second acquisition module 12, a determination module 13 and a sending module 14, wherein:

[0149] The first acquisition module 11 is used to obtain a business processing request for the business to be processed, the business processing request is used to request to obtain a first number of objects, the business processing request includes multiple business parameters, and the multiple business parameters include at least two of the following: the business type of the business to be processed, the product type of the product on which the business to be processed depends, the user identifier and the account information;

[0150] The second acquisition module 12 is used to obtain the priority of each service parameter and determine the target policy in the preset policy library according to the priority of each service parameter;

[0151] The determination module 13 is used to determine the service fee amount corresponding to the pending business according to the target strategy and the first quantity, wherein the service fee amount is the amount of the service fee required to process the pending business;

[0152] The sending module 14 is used to send the service fee amount to the client or display the service fee amount.

[0153] In a possible implementation method, the second acquisition module 12 is specifically used for:

[0154] Determine an i-th parameter set according to the priorities of the multiple business parameters, and match a corresponding policy in the preset policy library according to the i-th parameter set, wherein the i-th parameter set includes at least one of the multiple business parameters;

[0155] Among them, the i is successively 1, 2, ..., until the number of policies matched in the pre-policy library is less than or equal to the first threshold, and the target policy is determined in the matched policies; the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set.

[0156] In a possible implementation method, the second acquisition module 12 is specifically used for:

[0157] If the value of i is 1, it is determined that the i-th parameter set includes the service type, the product type, the user identifier, and the account information;

[0158] If the i is greater than 1, the i-th parameter set is determined according to the number and priority of the service parameters included in the i-1-th parameter set.

[0159] In a possible implementation method, the second acquisition module 12 is specifically used for:

[0160] Deleting a service parameter with the lowest priority from the i-1th parameter set to obtain the i-th parameter set; or,

[0161] If the number of business parameters included in the i-1th parameter set is less than 4, the business parameters in the i-1th parameter set are replaced according to the priorities of the business parameters included in the i-1th parameter set to obtain the i-th parameter set.

[0162] In a possible implementation method, the second acquisition module 12 is specifically used for:

[0163] Determining, from the plurality of service parameters, a first service parameter not included in the (i-1)th parameter set;

[0164] Determine a second service parameter in the (i-1)th parameter set according to the priority of the first service parameter and the priority of each service parameter in the (i-1)th parameter set, the priority of the second service parameter being higher than the priority of the first service parameter;

[0165] The second service parameter in the (i-1)th parameter set is replaced by the first service parameter.

[0166] In a possible implementation method, the second acquisition module 12 is specifically used for:

[0167] Inputting the business type, the product type, the user identification and the account information into a preset model to obtain the target strategy;

[0168] The preset model is obtained by learning multiple groups of samples, each group of samples includes multiple sample business parameters and corresponding sample target strategies, and the multiple sample business parameters include: sample business type, sample product type, sample user identification and sample account information.

[0169] In a possible implementation method, the determining module 13 is specifically used to:

[0170] Determine the charging method of the service fee, which may be a one-time charge or multiple charges;

[0171] If the charging method is a one-time charging, the first amount is processed according to the target strategy to obtain the service fee amount;

[0172] If the charging method is multiple charges, determine the charging cycle; for any charging cycle, determine the floating rate and cycle number corresponding to the charging cycle based on the first number and the target strategy; determine the service fee amount corresponding to the charging cycle based on the floating rate, the cycle number and the target strategy.

[0173] The business processing device provided in the embodiment of the present application can execute the technical solution shown in the above method embodiment, and its implementation principle and beneficial effects are similar, which will not be repeated here.

[0174] The service processing device shown in the embodiment of the present application may be a chip, a hardware module, a processor, etc. Of course, the service processing device may be in other forms, which are not specifically limited in the embodiment of the present application.

[0175] Figure 6 The hardware structure diagram of the business processing equipment provided for this application. Figure 6 The business processing device 20 may include: a processor 21 and a memory 22, wherein the processor 21 and the memory 22 can communicate; exemplarily, the processor 21 and the memory 22 communicate via a communication bus 23, the memory 22 is used to store program instructions, and the processor 21 is used to call the program instructions in the memory to execute the business processing method shown in any of the above method embodiments.

[0176] Optionally, the service processing device 20 may further include a communication interface, which may include a transmitter and / or a receiver.

[0177] Optionally, the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the present application may be directly implemented as being executed by a hardware processor, or may be implemented by a combination of hardware and software modules in the processor.

[0178] The present application provides a readable storage medium, on which a computer program is stored; the computer program is used to implement the business processing method as described in any of the above embodiments.

[0179] An embodiment of the present application provides a computer program product, which includes instructions. When the instructions are executed, a computer executes the above-mentioned business processing method.

[0180] All or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a readable memory. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned memory (storage medium) includes: read-only memory (English: read-only memory, abbreviated: ROM), RAM, flash memory, hard disk, solid state drive, magnetic tape (English: magnetic tape), floppy disk (English: floppy disk), optical disc (English: optical disc) and any combination thereof.

[0181] The embodiments of the present application are described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processing unit of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable terminal device to generate a machine, so that the instructions executed by the processing unit of the computer or other programmable terminal device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0182] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable terminal device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0183] These computer program instructions can also be loaded onto a computer or other programmable terminal device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0184] Obviously, those skilled in the art can make various changes and modifications to the embodiments of the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the embodiments of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

[0185] In the present application, the term "include" and its variations may refer to non-restrictive inclusion; the term "or" and its variations may refer to "and / or". The terms "first", "second", etc. in the present application are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. In the present application, "plurality" refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B may mean: A exists alone, A and B exist at the same time, and B exists alone. The character " / " generally indicates that the previously associated objects are in an "or" relationship.

Claims

1. A business processing method, It is characterized in that include: Obtaining a business processing request for the business to be processed, the business processing request being used to request obtaining a first number of objects, the business processing request including a plurality of business parameters, the plurality of business parameters including at least two of the following: a business type of the business to be processed, a product type of a product on which the business to be processed depends, a user identifier, and account information; Determine an i-th parameter set according to the priorities of the multiple business parameters, and match a corresponding policy in a preset policy library according to the i-th parameter set, wherein the i-th parameter set includes at least one of the multiple business parameters; Wherein, the value i is 1, 2, ..., until the number of matched policies in the preset policy library is less than or equal to the first threshold, the target policy is determined from the matched policies; the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set; Determine, according to the target strategy and the first quantity, a service fee amount corresponding to the pending business, wherein the service fee amount is an amount of the service fee required to process the pending business; Sending the service fee amount to the client or displaying the service fee amount; Determining an i-th parameter set according to the priorities of the multiple service parameters includes: If the value of i is 1, it is determined that the i-th parameter set includes the service type, the product type, the user identifier, and the account information; If the i is greater than 1, then delete the business parameter with the lowest priority in the i-1th parameter set to obtain the i-th parameter set; or, if the number of business parameters included in the i-1th parameter set is less than 4, then determine the first business parameter not included in the i-1th parameter set from the multiple business parameters; determine the second business parameter in the i-1th parameter set according to the priority of the first business parameter and the priority of each business parameter in the i-1th parameter set, and the priority of the second business parameter is higher than the priority of the first business parameter; replace the second business parameter in the i-1th parameter set with the first business parameter.

2. The method according to claim 1, It is characterized in that Obtain the priority of each business parameter, and determine the target policy in the preset policy library according to the priority of each business parameter, including: Inputting the business type, the product type, the user identification and the account information into a preset model to obtain the target strategy; The preset model is obtained by learning multiple groups of samples, each group of samples includes multiple sample business parameters and corresponding sample target strategies, and the multiple sample business parameters include: sample business type, sample product type, sample user identification and sample account information.

3. The method according to claim 1, It is characterized in that Determining, according to the target strategy and the first quantity, a service fee amount corresponding to the business to be processed, including: Determine the charging method of the service fee, which may be a one-time charge or multiple charges; If the charging method is a one-time charging, the first amount is processed according to the target strategy to obtain the service fee amount; If the charging method is multiple charges, determine the charging cycle; for any charging cycle, determine the floating rate and cycle number corresponding to the charging cycle based on the first number and the target strategy; determine the service fee amount corresponding to the charging cycle based on the floating rate, the cycle number and the target strategy.

4. A business processing device, It is characterized in that The service processing device includes a first acquisition module, a second acquisition module, a determination module and a sending module, wherein: The first acquisition module is used to acquire a business processing request for the business to be processed, the business processing request is used to request to acquire a first number of objects, the business processing request includes multiple business parameters, and the multiple business parameters include at least two of the following: the business type of the business to be processed, the product type of the product on which the business to be processed depends, a user identifier, and account information; The second acquisition module is used to determine the i-th parameter set according to the priorities of the multiple business parameters, and match the corresponding policy in the preset policy library according to the i-th parameter set, wherein the i-th parameter set includes at least one of the multiple business parameters; wherein i is sequentially 1, 2, ..., until the number of policies matched in the preset policy library is less than or equal to a first threshold, determining the target policy in the matched policies; the number of business parameters included in the i-th parameter set is greater than or equal to the number of business parameters included in the i+1-th parameter set; The determination module is used to determine, according to the target strategy and the first quantity, a service fee amount corresponding to the pending business, wherein the service fee amount is an amount of the service fee required to process the pending business; The sending module is used to send the service fee amount to the client or display the service fee amount; The second acquisition module is specifically used to, if i is 1, determine that the i-th parameter set includes the business type, the product type, the user identifier and the account information; if i is greater than 1, delete the business parameter with the lowest priority in the i-1th parameter set to obtain the i-th parameter set; or, if the number of business parameters included in the i-1th parameter set is less than 4, determine a first business parameter that is not included in the i-1th parameter set from the multiple business parameters; determine a second business parameter in the i-1th parameter set according to the priority of the first business parameter and the priority of each business parameter in the i-1th parameter set, the priority of the second business parameter being higher than the priority of the first business parameter; and replace the second business parameter in the i-1th parameter set with the first business parameter.

5. A business processing device, It is characterized in that include: Processor and memory; The memory is used to store computer programs; The processor is used to execute the computer program stored in the memory to implement the service processing method according to any one of claims 1 to 3.

6. A readable storage medium, It is characterized in that The readable storage medium stores a device control program, and when the device control program is executed by a processor, the service processing method according to any one of claims 1 to 3 is implemented.

7. A computer program product comprising a computer program, It is characterized in that When the computer program is executed by a processor, the business processing method according to any one of claims 1 to 3 is implemented.

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