A fund routing method, system, electronic device and storage medium

Abstract

The present application provides a fund routing method, system, electronic device and storage medium. The fund routing method is used to manage a fund routing system including a fund applicant and multiple fund channels, and the fund routing method includes: obtaining a fund application request of the fund applicant; obtaining comprehensive information of the fund applicant, where the comprehensive information includes third-party information from a third-party data platform; matching a fund channel for the fund applicant according to the comprehensive information and a matching rule to obtain a matching result; and configuring a fund channel for the fund applicant according to the matching result. The matching between the fund applicant and the fund channel can be achieved without manual interaction. The fund routing system can automatically obtain information of all parties, perform routing matching, and adjust and update the fund channel information in the system after the fund channel is successfully configured, so as to achieve efficient matching and balanced use of the fund channels.

Description

Technical Field

[0001] This application relates to the field of fund management. Specifically, it relates to a fund routing method, system, electronic device, and storage medium. Background Art

[0002] With the improvement and development of informatization construction, the transaction scope of fund lending business has been continuously expanding. The original method of manually counting and selecting fund channels not only causes the unbalanced matching of funds, where some fund channels are wasted while some are overloaded, but also has low efficiency and can no longer meet the existing fund lending needs. Moreover, the business model of manually selecting fund channels requires at least one manual interaction, which is time-consuming and laborious for both the fund lender and the borrower. And during the processing, frequent manual interactions are needed, resulting in low efficiency and easy to cause a bad customer experience. Summary of the Invention

[0003] The purpose of the embodiments of this application is to provide a fund routing method, system, electronic device, and storage medium, which can achieve the matching between the fund applicant and the fund channels without manual interaction. The fund routing system can automatically obtain information from all parties, perform routing matching, and adjust and update the fund channel information in the system after the fund channel is successfully configured, realizing efficient matching of fund channels and balanced use of each fund channel.

[0004] In a first aspect, an embodiment of the present invention provides a fund routing method. The fund routing method is used to manage a fund routing system including a fund applicant and multiple fund channels. The fund routing method includes: obtaining a fund application request of the fund applicant; obtaining comprehensive information of the fund applicant, where the comprehensive information includes third-party information from a third-party data platform; matching a fund channel for the fund applicant according to the comprehensive information and a matching rule to obtain a matching result; and configuring a fund channel for the fund applicant according to the matching result.

[0005] Through the fund routing system and in cooperation with the fund routing method, the embodiments of the present invention screen fund channels for the fund applicant according to the comprehensive information of the fund applicant and the matching rule of the fund routing system, realizing the automatic matching of fund channels, eliminating the existing manual interaction steps, and efficiently meeting the borrowing needs of customers.

[0006] Further, the comprehensive information further includes basic information, and the third-party information includes associated information and credit information; wherein, the basic information is obtained according to the filling in of the fund applicant in the fund routing system; the associated information and credit information are obtained by querying the third-party data platform according to the basic information.

[0007] In the fund routing method of the embodiment of the present invention, a database of a third-party data platform is introduced, which makes the information source of the fund routing system richer, is conducive to comprehensively grasping various situations of the fund applicant, improves the matching accuracy of the fund channels, reduces the content filled in by the fund applicant, and facilitates the fund applicant to quickly submit a fund application request. At the same time, after comprehensively evaluating the information of the fund applicant, the lending risk of the fund lending platform can be reduced.

[0008] Further, the obtaining of the comprehensive information of the fund applicant includes: obtaining the historical application information of the fund applicant according to the fund routing system, and the historical application information includes the historically rejected fund channels of the fund applicant in historical applications.

[0009] In the fund routing method of the embodiment of the present invention, the historical application information of the fund applicant is introduced. After the fund applicant submits a fund application for the first time and then submits a fund application again or multiple times, the fund routing system can avoid collecting some fixed information of the fund applicant again, and at the same time obtain relevant information on the historically rejected fund channels, which is beneficial to improving the matching efficiency of the fund channels.

[0010] Further, the matching of the fund channels for the fund applicant according to the comprehensive information and the matching rules includes: excluding the historically rejected fund channels from the fund channels; if there are still multiple available fund channels among the multiple fund channels, continue to match the fund channels for the fund applicant.

[0011] In the fund routing method of the embodiment of the present invention, the historically rejected fund channels are preferentially excluded by using the historical application information of the fund applicant, which greatly reduces the workload of subsequent matching work and greatly improves the matching speed and matching efficiency of the entire matching process.

[0012] Further, the configuring of the fund channels for the fund applicant according to the matching result includes: if the matching result includes multiple available fund channels, selecting the best fund channel according to the current occupancy situation and the priority ranking of the available fund channels; if there is no available fund channel in the matching result, return that there is no available fund channel and end the matching.

[0013] In the fund routing method of the embodiment of the present invention, the fund channels are configured according to the current occupancy situation and the priority ranking of the available fund channels, which can evenly consume all the fund channels, make the fund lending distribution of the fund channels more reasonable, and make full use of the funds of each fund channel.

[0014] Further, after obtaining the matching result and allocating a funding channel for the funding applicant according to the matching result, the funding routing method further includes: updating the funding channel information in the funding routing system according to the occupancy situation of the funding channel; wherein, the funding channel information includes the remaining amount of funds, the occupancy situation of funds, and the priority ranking.

[0015] In the funding routing method of the present invention, the funding routing system updates the funding channel information in the funding routing system according to the configuration of the funding channel, which is convenient for timely adjusting the matching range of the funding channel and the allocation method, so that the funds of all funding channels can still be in a balanced configuration after multiple loans, improving the utilization rate of funds and the balance of fund allocation.

[0016] In a second aspect, an embodiment of the present invention provides a funding routing system, which includes: a data acquisition module, configured to acquire an application request and comprehensive information of a funding applicant, wherein the data acquisition module acquires the comprehensive information from within the funding routing system and a third-party data platform respectively; a matching module, configured to match funding channels, and the matching module matches funding channels for the funding applicant according to the comprehensive information and matching rules to obtain a matching result; a configuration module, configured to allocate funding channels, and the configuration module allocates a funding channel for the funding applicant according to the matching result.

[0017] The funding routing system of the present invention realizes the automatic matching of funding channels, with high matching accuracy, reasonable allocation of funding channels, and can complete the matching of funding channels and funding loans without manual interaction, improving the efficiency of funding loans and enhancing the user experience.

[0018] Further, the matching module includes: a business matching unit, configured to screen funding channels according to the historical application information of the funding applicant in the funding routing system, wherein the historical application information includes historically rejected funding channels, and the business matching unit excludes the historically rejected funding channels; a big data matching unit, configured to screen funding channels according to the associated information of the third-party data platform, and the big data matching unit screens out the funding channels that conform to the associated information.

[0019] The funding routing system of the present invention includes multiple matching units, which respectively match funding channels according to different data sources and different data types of different funding applicants, and perform matching through a classification and grading matching method, improving the efficiency of fund matching and realizing the accurate matching of funding channels.

[0020] In a third aspect, an embodiment of the present invention provides an electronic device, including: a processor, a memory, and a bus. Among them, the processor and the memory complete communication with each other through the bus; the memory stores program instructions executable by the processor, and the processor can execute the method steps of the first aspect by invoking the program instructions.

[0021] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, which stores computer instructions that cause the computer to execute the method steps of the first aspect.

[0022] The fund routing method, system, electronic device, and storage medium according to the embodiments of the present invention obtain the fund application request and various aspect information of the fund applicant, match with multiple fund channels in the fund routing system according to the comprehensive information of the fund applicant and the matching rules, and obtain all available fund channels. If there are multiple available fund channels, the best fund channel is selected according to the current occupancy and priority sorting of the available fund channels to allocate funds for the fund applicant; at the same time, the embodiments of the present invention can also update the fund information in the fund routing system in real time according to the configuration results of the fund channels, ensuring the sustainable operation of the fund routing system. This enables the fund applicant to realize fund application without manual interaction. At the same time, the fund lending platform can achieve efficient fund channel matching and reasonable fund channel allocation by using the fund routing method, system, electronic device, and storage medium of the present invention, reducing the workload while providing better services for both the fund lender and the borrower.

[0023] Other features and advantages of the present invention will be described in the subsequent specification, and part of them will become obvious from the specification, or can be understood by implementing the embodiments of the present invention. The objectives and other advantages of the present invention can be realized and obtained through the structures specifically pointed out in the written specification, claims, and drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the embodiments of the present application will be briefly introduced below. It should be understood that the following drawings only show some embodiments of the present application, and therefore should not be regarded as limiting the scope. For those of ordinary skill in the art, other related drawings can be obtained based on these drawings without creative efforts.

[0025] Figure 1 It is the first flow chart of a fund routing method provided by an embodiment of the present invention;

[0026] Figure 2 It is the second flow chart of a fund routing method provided by an embodiment of the present invention;

[0027] Figure 3 A structural schematic diagram of a fund routing system provided by an embodiment of the present invention;

[0028] Figure 4 A structural schematic diagram of a matching module provided by an embodiment of the present invention; and

[0029] Figure 5 A structural schematic diagram of an electronic device provided by an embodiment of the present invention.

[0030] Icons: 10 - fund routing system, 12 - data acquisition module, 14 - matching module, 16 - configuration module;

[0031] 142 - service matching unit, 144 - big data matching unit. Detailed implementation manners

[0032] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Usually, the components of the embodiments of the present application described and illustrated in the accompanying drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the accompanying drawings is not intended to limit the scope of the present application to be protected, but only represents the selected embodiments of the present application. All other embodiments obtained by those skilled in the art based on the embodiments of the present application without creative efforts belong to the scope of protection of the present application.

[0033] It should be noted that: similar reference numerals and letters represent similar items in the following drawings. Therefore, once an item is defined in one drawing, it does not need to be further defined and explained in subsequent drawings. At the same time, in the description of the present application, the terms "first", "second", etc. are only used for distinguishing descriptions, and cannot be understood as indicating or implying relative importance.

[0034] It should be noted that, without conflict, the embodiments or technical features in the embodiments of the present application can be combined.

[0035] Next, the technical solutions in the embodiments of the present application will be described in conjunction with the accompanying drawings in the embodiments of the present application.

[0036] An embodiment of the present invention provides a fund routing method, system, electronic device and storage medium. The fund routing method is used to manage the fund routing system. There is a database in the fund routing system, and the basic information of the fund applicant and the information of all fund channels exist in the system database.

[0037] In a first aspect, the present invention provides a fund routing method. Figure 1 FIG. 1 is a first process schematic diagram of a fund routing method provided by an embodiment of the present invention. As Figure 1 shown, the method includes:

[0038] Step S100: Obtain a fund application request from a fund applicant.

[0039] Specifically, the fund applicant submits a fund application request on the fund routing system, and the fund routing system obtains the request and starts to work.

[0040] Step S101: Obtain comprehensive information of the fund applicant.

[0041] Specifically, the comprehensive information of the fund applicant may include information from a third-party data platform. The third-party data platform may be an open network or other platforms that have a direct or indirect relationship with the fund routing system and can provide information of the fund applicant. There is no specific limitation here, including but not limited to other databases of the merchant providing the fund routing service or platforms cooperating with the merchant.

[0042] Step S103: Configure a fund channel for the fund applicant according to the comprehensive information and matching rules, and obtain a matching result.

[0043] Specifically, after obtaining the comprehensive information of the fund applicant, the fund routing system will match a suitable fund channel for the fund applicant according to the lending requirements of the fund channels in its own database and the matching rules. Here, the fund channels participating in the matching are fund channels with lending amounts. When the available lending amount of a certain fund channel is all lent out, the fund channel will start to participate in the matching process again after it has available lending amount. The matching rules may include the order of screening the fund channels or further processing some fund channels that meet their lending requirements in the comprehensive information. The obtained matching result may be that there is no available fund channel or there is an available fund channel.

[0044] Step S105: Configure a fund channel for the fund applicant according to the matching result.

[0045] Specifically, configuring a fund channel for the fund applicant according to the matching result includes the following situations. If there is no available fund channel in the matching result obtained in step S103, no fund channel configuration is performed for the fund applicant, or the platform providing the fund routing service provides a fallback to provide lending services to the fund applicant, and there is no specific limitation here; if there is an available fund channel in the matching result of step S103, configure according to the specific information of the fund channel for the fund applicant and provide funds for the fund applicant.

[0046] In the embodiments of the present invention, through the fund routing system and in cooperation with the fund routing method, according to the comprehensive information of the fund applicant and the matching rules of the fund routing system, fund channels are screened for the fund applicant, realizing the automatic matching of fund channels, eliminating the existing manual interaction steps, and efficiently meeting the borrowing needs of customers.

[0047] Further, the comprehensive information further includes basic information, and the third-party information includes associated information and credit information; wherein the basic information is obtained according to the filling in by the fund applicant in the fund routing system; the associated information and credit information are obtained by querying in the third-party data platform according to the basic information.

[0048] The comprehensive information includes basic information filled in by the user in the fund routing system when registering or applying for funds, and also includes associated information and credit information from the third-party data platform. Among them, if the fund applicant is an individual, the basic information of the fund applicant at least includes age, gender, household registration location, and ID number on the ID card, as well as personal property situation, such as cars, houses, etc.; if the fund applicant is a company, its basic information at least includes the company name, registration location, unified social credit code, legal representative, etc. According to the basic information provided by the fund applicant, the fund routing system will conduct information queries on the third-party data platform to collect associated information related to the fund applicant. For example, according to the vehicle license plate number in the basic information of the fund applicant, query the estimated value of the car owned by the fund applicant; and query the credit information of the fund applicant in the third-party data platforms such as the credit system. Optionally, all the information queried on the third-party data platform can be stored and applied to improve the information of the fund applicant to achieve a comprehensive evaluation of the fund applicant.

[0049] In the fund routing method of the embodiments of the present invention, the database of the third-party data platform is introduced, making the information source of the fund routing system more abundant, facilitating a comprehensive understanding of various situations of the fund applicant, improving the matching accuracy of fund channels, reducing the content filled in by the fund applicant, and facilitating the fund applicant to quickly submit a fund application request. At the same time, after comprehensively and thoroughly evaluating the information of the fund applicant, the lending risk of the fund lending platform can be reduced.

[0050] Further, obtaining the comprehensive information of the fund applicant includes: obtaining the historical application information of the fund applicant according to the fund routing system, and the historical application information includes the historically rejected fund channels in the historical applications of the fund applicant.

[0051] If the fund applicant has ever applied for funds on the fund routing system, the historical application information of the fund applicant will be retained on the fund routing system. The historical application information includes, but is not limited to, the historically rejected fund channels in the fund applicant's historical applications and the reasons for rejection; the basic information historically filled in by the fund applicant; and the historical associated information queried on the third-party data platform based on the historical information filled in by the fund applicant.

[0052] In the fund routing method according to the embodiment of the present invention, the historical application information of the fund applicant is introduced, so that when the fund applicant applies for funds again or multiple times after the first fund application, the fund routing system does not need to collect some fixed information of the fund applicant again, and at the same time obtains the relevant information of the historically rejected fund channels, which is beneficial to improving the matching efficiency of fund channels.

[0053] Further, please refer to Figure 2 , wherein matching a fund channel for the fund applicant according to the comprehensive information and the matching rule includes: excluding the historically rejected fund channels in the fund channels; if there are still multiple available fund channels among the multiple fund channels, continue to match a fund channel for the fund applicant.

[0054] If the fund applicant has ever applied for funds in the fund routing system, first obtain the historically rejected fund channels according to the historical application information in the comprehensive information. If the relevant information in the reasons for rejection of the fund applicant has not changed, when matching the fund channels, give priority to excluding the historically rejected fund channels in the fund channels. If there are still available fund channels after excluding the historically rejected fund channels, then carry out the subsequent matching work; if there are no available fund channels after excluding the historically rejected fund channels, directly return that there are no available fund channels and end the fund channel matching process. If the fund applicant has never applied for funds in the fund routing system, first prompt the fund applicant to fill in the basic information, and after the basic information is filled in, query on the third data platform to obtain the comprehensive information of the fund applicant and then match the fund channels.

[0055] In the fund routing method according to the embodiment of the present invention, the historically rejected fund channels are preferentially excluded by using the historical application information of the fund applicant, greatly reducing the workload of the subsequent matching work, effectively reducing the repetitive work of the system, and greatly improving the matching speed and matching efficiency of the entire matching process.

[0056] Further, please refer to Figure 2, allocate a funding channel for the funding applicant according to the matching result, including: if there are multiple available funding channels in the matching result, select the best funding channel according to the current occupancy and priority ranking of the available funding channels; if there is no available funding channel in the matching result, return that there is no available funding channel and end the matching.

[0057] After completing all condition screening and obtaining the matching result, if there are multiple available funding channels in the matching result, the best funding channel will be selected according to the current occupancy of the funding channels and the priority ranking of the funding channels, and the funding channel will be configured for the funding applicant and the funds will be lent. Among them, the priority can be set by the user himself or determined by the system according to relevant information and records in the system. If there is only one available funding channel in the matching result, select this funding channel to configure the funding channel for the funding applicant and conduct the funds lending. If there is no available funding channel in the matching result, return that there is no available funding channel and end the process.

[0058] The method for specifically selecting the best funding channel according to the current occupancy of the funding channels and the priority ranking is as follows. The relevant information of all funding channels is included in the fund routing system, mainly including the remaining amount of the funding channel, the number of configured lending transactions, the priority ranking of the funding channel, etc. The fund routing system will set the priority order for the funding channels according to the lending requirements such as the repayment period, lending interest rate, and lending procedures of all funding channels. Each lending requirement of each funding channel has a corresponding weight coefficient and configuration base number. For example, if all calculation items for the priority ranking of each funding channel are set as the lending interest rate, repayment period, and lending procedures, each calculation item has a weight coefficient and a calculation base number. Among them, the weight coefficient of the lending interest rate is set to 60%, and the calculation base number is set from 1 to 3 according to the level of the interest rate. The larger the number, the lower the lending interest rate; the weight coefficient of the repayment period is set to 30%, and the calculation base number is set from 1 to 3 according to the length of the repayment period. The larger the number, the longer the repayment period; the weight coefficient of the lending procedures is set to 10%, and the calculation base number is set from 1 to 3 according to the complexity of the lending procedures. The larger the number, the simpler the lending procedures. Multiply the calculation base number of the corresponding calculation item of each funding channel by the weight coefficient, and then add up the values of all the above calculation items to get a sum value. Sort these sum values from largest to smallest, and the priority order is arranged in the order of size. The larger the sum value obtained by calculation for the funding channel, the higher the priority ranking.

[0059] Optionally, the calculation items for sorting the priority order of each funding channel may also include the lending time, the maximum available loan amount, etc., which are not specifically limited here. The above weight setting and calculation base setting are only for exemplary description. Optionally, the priority sorting order of each funding channel can be automatically calculated by the fund routing system or manually set by the staff in charge of the fund routing system.

[0060] Table 1

[0061] Funding channels Borrowable amount Percentage Number of borrowable transactions Priority ranking 1 200,000 2 2 1 2 300,000 3 3 3 3 500,000 5 5 2

[0062] The occupancy of the above-mentioned funding channels is calculated based on the original available loan amount of the funding channel, as well as the remaining amount, the number of configured loan transactions, etc. The specific calculation method is to divide the total original available loan amount of all funding channels proportionally to obtain the corresponding proportion of each funding channel. For example, referring to Table 1, if there are a total of 3 funding channels, the original available loan amount of funding channel 1 is 200,000, the original available loan amount of funding channel 2 is 300,000, and the original available loan amount of funding channel 3 is 500,000, then the proportion of funding channel 1 is 2, the proportion of funding channel 2 is 3, and the proportion of funding channel 3 is 5, with a total of 10 shares. Then, the number of available loan transactions for each funding channel in a cycle of lending is configured according to the proportion. For example, continuing to refer to Table 1, the number of available loan transactions for the above 3 funding channels in one round of lending is configured to be 10 transactions, among which, the number of available loan transactions for funding channel 1 is 2 transactions, the number of available loan transactions for funding channel 2 is 3 transactions, and the number of available loan transactions for funding channel 3 is 5 transactions. When configuring the funding channels, at most the same number of loan applications as the number of available loan transactions for one funding channel can be configured in each round until one round is completed.

[0063] Table 2

[0064] Funding channels Borrowable amount Percentage Number of borrowable transactions Priority ranking 1 100,000 2 0 1 2 200,000 3 1 3 3 400,000 5 4 2

[0065] The above method for allocating funding channels is as follows. When there are multiple available funding channels in the matching result, for example, refer to Table 2. In the matching result, the available funding channels include Funding Channel 1, Funding Channel 2, and Funding Channel 3. Among them, by calculating, the priority of Funding Channel 1 is 1, the priority of Funding Channel 2 is 3, and the priority of Funding Channel 3 is 2. There are no remaining loanable amounts for Funding Channel 1, the remaining loanable amount for Funding Channel 2 is 1, and the remaining loanable amount for Funding Channel 3 is 4. When selecting the best funding channel, since the remaining loanable amount for Funding Channel 1 in this round is 0, the remaining loanable amount for Funding Channel 2 is 1, and the remaining loanable amount for Funding Channel 3 is 4, then, first select according to the priority, select Funding Channel 1, but there are no remaining loanable amounts for Funding Channel 1, so next select Funding Channel 3. There are still 4 remaining loanable amounts for Funding Channel 3, so Funding Channel 3 is used as the best funding channel for the funding applicant, and the funds are lent to the funding applicant from Funding Channel 3. In the above example, if the remaining loanable amount for Funding Channel 3 is also 0, then the one remaining loanable amount of Funding Channel 2 is allocated to the funding applicant.

[0066] In the funding routing method of the embodiments of the present invention, by allocating funding channels according to the current occupancy situation and priority ranking of available funding channels, all funding channels can be evenly consumed, making the allocation of funds lent through the funding channels more reasonable, and enabling the full utilization of the funds in each funding channel.

[0067] Further, please refer to Figure 1 and Figure 2 , after obtaining the matching result and allocating a funding channel to the funding applicant according to the root matching result, the funding routing method further includes: updating the funding channel information in the funding routing system according to the occupancy situation of the funding channel; where the funding channel information includes the remaining amount of funds, the occupancy situation of the funds, and the priority ranking.

[0068] After completing the allocation of funding channels and related lending, the fund routing system updates the remaining funds of the funding channel according to the lending amount of the funding channel, and at the same time updates the occupancy of the funding channel and the corresponding priority ranking. Specifically, still taking the above funding channels 1, 2, and 3 as examples, please refer to Table 2. If finally funding channel 3 is the best funding channel for the fund applicant and funds are lent from funding channel 3 to the fund applicant, the original remaining loanable number of times of funding channel 3 is 4. After completing this loan, the loanable number of times of funding channel 3 is updated to 3. At the same time, if the original remaining funds of funding channel 3 is 400,000 and 50,000 is borrowed for this loan, then the remaining funds of funding channel 3 is updated to 350,000. Optionally, the above priority ranking update can be performed after a round of lending, or after the remaining funds of a certain funding channel are cleared, or after a new funding channel is added to the fund routing platform, or after a certain period of time, and there is no specific limit here.

[0069] In the fund routing method of the present invention, the fund routing system updates the information of the funding channels in the fund routing system according to the configuration of the funding channels, which is convenient for timely adjusting the matching range of the funding channels and the adjustment configuration method, so that the funds of all funding channels can still be in a balanced configuration after multiple loans, improving the fund utilization rate and the balance of fund allocation.

[0070] Table 3

[0071]

[0072] Preferably, please refer to Figure 2 , Figure 2 which is the second process schematic diagram of a fund routing method provided by an embodiment of the present invention. Exemplarily, please refer to Table 3. Table 3 lists the information of funding channels 1 to 8, including lending requirements: age range, property requirements, shareholder ratio, the number of credit overdue in credit information, as well as the ratio, distributable number of times, number of loans already made, and priority ranking of the funding channels. Exemplarily, the comprehensive information of an individual fund applicant includes: among the historically rejected funding channels, there is funding channel 1, and the reason for rejection is that the age does not meet the lending requirements; the age is 55 years old, without real estate, the shareholder ratio is 85%, and there have been 4 credit overdue times.

[0073] The fund routing system starts running according to the fund application instruction of the fund applicant. First, the fund routing system will obtain the comprehensive information of the fund applicant, including the basic information of the fund applicant (for example, the age of the fund applicant is 55 years old, without real estate and ID number), the associated information of the fund applicant queried on the third-party data platform according to the basic information (for example, the shareholder ratio of the fund applicant is 85%), the credit information (for example, the fund applicant has had 4 credit overdue times), and the historical application information of the fund applicant (for example, the fund channels where the fund applicant was rejected in the past include Fund Channel 1). At the same time, the fund routing system will also obtain all the fund channel information with lending limits within the system (for example, various information of Fund Channel 1 to Fund Channel 8 in Table 3), including obtaining the lending conditions of the fund channels. The lending conditions can be the requirements for the basic information, credit information, and property information of the fund applicant. In addition, it also includes the lending procedures and repayment requirements of the fund channels, such as repayment interest rate, repayment time, repayment method, etc.

[0074] Then, the fund routing system will, according to the historically rejected fund channels and the reasons for rejection in the historical application information of the fund applicant, if these rejected factors in the comprehensive information of the fund applicant have not changed, the fund routing system will first filter out these fund channels and determine whether there are still available fund channels after filtering. If there are no available fund channels, it will return that there are no available fund channels and end the matching process; if there are available fund channels, it will continue to filter the fund channels according to the basic information, filtering out the fund channels whose basic information of the fund applicant does not meet the lending conditions of the fund channels, and determine whether there are still available fund channels after filtering. If there are no available fund channels, it will return that there are no available fund channels and end the matching process; if there are available fund channels, it will continue to filter the fund channels according to the associated information, filtering out the fund channels whose associated information of the fund applicant does not meet the lending conditions of the fund channels, and determine whether there are still available fund channels after filtering. If there are no available fund channels, it will return that there are no available fund channels and end the matching process; if there are available fund channels, it will continue to filter the fund channels according to the credit information, filtering out the fund channels whose credit information of the fund applicant does not meet the lending conditions of the fund channels, and obtain the final matching result.

[0075] Next, it is determined whether there are still available funding channels in the matching results. If there are no available funding channels, it is returned that there are no available funding channels, and the matching process ends. If there are available funding channels, it is continued to determine whether there is only one available funding channel obtained. If there is only one available funding channel, the available funding channel is directly allocated to the funding applicant for fund lending. If there are multiple available funding channels, the best funding channel is selected according to the current occupancy of the available funding channels and the priority ranking, and it is allocated to the funding applicant for fund lending. Among them, the specific selection method can refer to the relevant description above and will not be elaborated here.

[0076] After configuring the funding channel for the funding applicant and completing the fund lending, the fund routing system will update the internal funding channel information, specifically including the remaining funds of the funding channel, the temporary use of funds, and updating the priority ranking of all funding channels with lendable amounts in the fund routing system when the set conditions are met. Finally, the entire matching process ends, waiting for the fund application request of the next funding applicant. Optionally, when multiple funding applicants apply for funds simultaneously, the funding channel matching can be performed in parallel with multiple threads, or a waiting queue can be set up to perform the funding channel matching one by one according to the application time of the fund application requests. There is no specific limit here.

[0077] Taking the funding channels and funding channel information provided in Table 3 above and the above-mentioned individual funding applicant as an example, the matching process is as follows: The fund routing system obtains the fund application request and starts the matching process. First, the fund routing system obtains the comprehensive information of the funding applicant, as described above. The existing available funding channels with remaining lending quotas include Funding Channel 1 to Funding Channel 8. The funding applicant was once rejected by Funding Channel 1, and the reason for rejection was inappropriate age. Then, Funding Channel 1 is first filtered out, and the remaining available funding channels are Funding Channel 2 to Funding Channel 8. Continuing according to the age of 55 of the funding applicant, which does not meet the requirements of Funding Channel 2 among the remaining funding channels, Funding Channel 2 is filtered out, and the remaining available funding channels are Funding Channel 3 to Funding Channel 8. Continuing according to the property situation of the funding applicant, without real estate, which does not meet the requirements of Funding Channel 3 among the remaining funding channels, Funding Channel 3 is filtered out, and the remaining available funding channels are Funding Channel 4 to Funding Channel 8. Continuing according to the shareholder ratio of the funding applicant, the shareholder ratio is 85%, which does not meet the requirements of Funding Channel 4 among the remaining funding channels, Funding Channel 4 is filtered out, and the remaining available funding channels are Funding Channel 5 to Funding Channel 8. Continuing according to the credit information of the funding applicant, with 4 previous credit overdue records, which does not meet the requirements of Funding Channel 5 among the remaining funding channels, Funding Channel 5 is filtered out, and the remaining available funding channels are Funding Channel 6, Funding Channel 7, and Funding Channel 8.

[0078] Among the remaining 3 available funding channels, the occupied quantity of Funding Channel 6 is 10, with the proportion of 8 reaching 125%. The occupied quantity of Funding Channel 7 is 10, with the proportion of 10 reaching 100%. The occupied quantity of Funding Channel 8 is 5, with the proportion of 5 reaching 100%. Exclude Funding Channel 6. The priority of Funding Channel 7 is 2, and the priority of Funding Channel 8 is 3. Determine that the funding channel corresponding to the application form is Funding Channel 7, and at the same time update the occupied quantity of Funding Channel 7 by +1.

[0079] In a second aspect, based on the same inventive concept, an embodiment of the present application further provides a fund routing system. Figure 3 It is a schematic structural diagram of a fund routing system provided by an embodiment of the present invention. As Figure 3 shown, the fund routing system 10 includes: a data processing module 12, a matching module 14, and a configuration module 16.

[0080] The data acquisition module 12 is used to acquire the application request and comprehensive information of the fund applicant. Among them, the data acquisition module acquires comprehensive information from within the fund routing system 10 and a third-party data platform respectively. The matching module 14 is used to match the funding channels. The matching module 14 matches the funding channels for the fund applicant according to the comprehensive information and the matching rules to obtain a matching result; the configuration module 16 is used to configure the funding channels. The configuration module 16 configures the funding channels for the fund applicant according to the matching result.

[0081] Optionally, the fund routing system 10 further includes a data storage module (not shown in the figure). The data storage module is used to store various data information within the fund routing system, mainly including the comprehensive information of the fund applicant, historical application information, etc.; and funding channel information, including the remaining funds, funding occupancy, and priority ranking of each funding channel. Preferably, the funding channel information further includes relevant information of each loan fund, such as loan time, repayment time, loan interest rate, etc.

[0082] Optionally, the fund routing system 10 further includes a data update module (not shown in the figure). The data update module is used to update the fund applicant information and funding channel information within the fund routing system 10, mainly including: after the configuration module 16 configures the funding channels for the fund applicant, update the funding channel information in the data storage unit, mainly update the remaining funds and funding occupancy information of the completed loan funding channel, and perform the priority ranking of the funding channels under the set update conditions or update time points. Optionally, the data update module will also update the comprehensive information of the fund applicant each time the fund applicant applies for funds. The updated content includes the basic information actively modified by the fund applicant, as well as the associated information and credit information queried from the third-party data platform according to the basic information; at the same time, update the historical application information of the fund applicant after the fund applicant completes a new fund application.

[0083] The data acquisition module 12 can not only obtain the internally stored information from the data storage module within the fund routing system 10, but also obtain external information from a third-party data platform to improve the information of the fund applicant, further understand the property ownership and income situation of the fund applicant, etc., improve the matching accuracy of the matching module 14, and at the same time reduce the lending risks of the provider of the fund routing system 10 and the provider of the fund channel. Meanwhile, the data acquisition module 12 also obtains the fund channel information within the fund routing system 10 from the data storage unit within the system to provide the fund applicant with matchable fund channels.

[0084] The matching module 14 matches available fund channels for the fund applicant based on the comprehensive information of the fund applicant and the fund channel information obtained by the data acquisition module, and obtains a matching result.

[0085] The configuration module 16 configures a fund channel for the fund applicant according to the matching result obtained by the matching module 14. When there is no available fund channel in the matching result, it directly returns that there is no available fund channel and ends the matching process; when there is only one available fund channel in the matching result, it configures this fund channel for the fund applicant and ends the matching process; when there are multiple available fund channels in the matching result, it selects the best fund channel for the fund applicant according to the occupancy situation and priority ranking of these available fund channels, configures this fund channel for the fund applicant, and then ends the matching process. The specific configuration method has been introduced in detail in the above method and will not be elaborated here.

[0086] The fund routing system of the present invention realizes the automatic matching of fund channels, has high matching accuracy, reasonable fund channel configuration, can complete the matching of fund channels and fund lending without manual interaction, improves the fund lending efficiency, and enhances the user experience.

[0087] Further, please refer to Figure 4 , the matching module 14 includes: a business matching unit 142, which is used to screen fund channels according to the historical application information of the fund applicant within the fund routing system 10, and the historical application information includes the historically rejected fund channels. When performing the matching of fund channels, the business matching unit 142 is used to preferentially exclude the historically rejected fund channels; a big data matching unit 144, which is used to screen fund channels according to the associated information of the third-party data platform. When performing the matching of fund channels, the big data matching unit 144 is used to exclude the fund channels that do not match the associated information of the fund applicant.

[0088] Optionally, the matching module 14 further includes a basic information matching unit (not shown in the figure) for excluding funding channels that do not match the basic information of the funding applicant according to the basic information of the funding applicant. For example, excluding funding channels that do not meet the basic information conditions of the borrowing conditions of the funding channel according to information such as age and household registration location.

[0089] Optionally, the matching module 14 further includes a credit information matching unit (not shown in the figure) for excluding funding channels that do not meet the credit conditions in the borrowing conditions of the funding channel according to the credit information.

[0090] The fund routing system of the present invention includes multiple matching units, which respectively match the funding channels according to different data sources and different data types of different funding applicants, and perform matching through a classification and grading matching method, improving the fund matching efficiency and achieving precise matching of the funding channels.

[0091] In a third aspect, an embodiment of the present application provides an electronic device. Please refer to Figure 5 , Figure 5 which is a schematic structural diagram of an electronic device for performing a positioning method for a robot operation provided by an embodiment of the present application. The electronic device 20 may include: at least one processor 21, such as a CPU, at least one communication interface 22, at least one memory 23, and at least one communication bus 24. Among them, the communication bus 24 is used to realize the direct connection and communication of these components. Among them, the communication interface 22 of the device in the embodiment of the present application is used to perform signaling or data communication with other node devices. The memory 23 may be a high-speed RAM memory or a non-volatile memory, such as at least one disk memory. Optionally, the memory 23 may further be at least one storage device located far from the aforementioned processor. The memory 23 stores computer-readable instructions, and when the computer-readable instructions are executed by the processor 21, the electronic device can execute the above Figure 1 and Figure 2 shown method process.

[0092] It can be understood that Figure 5 the structure shown is only schematic, and the electronic device may further include more or fewer components than Figure 5 shown, or have a different configuration from Figure 5 shown. Figure 5 Each component shown in

[0093] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, which stores computer instructions, and the computer instructions cause the computer to execute Figure 1 and Figure 2Among them and the methods provided in the above method embodiments. For example, it includes: obtaining a funding application request from the funding applicant; obtaining comprehensive information of the funding applicant, where the comprehensive information includes third-party information from a third-party data platform; matching a funding channel for the funding applicant according to the comprehensive information and a matching rule to obtain a matching result; and configuring a funding channel for the funding applicant according to the matching result.

[0094] In the embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. The system embodiments described above are merely illustrative. For example, the division of the units is only a logical function division, and there can be other division methods in actual implementation. For another example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed coupling or direct coupling or communication connection between each other can be through some communication interfaces, and the indirect coupling or communication connection of the devices or units can be in an electrical, mechanical or other form.

[0095] In addition, the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they can be located in one place or distributed to multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0096] Furthermore, in each embodiment of the present application, the various functional modules can be integrated together to form an independent part, or each module can exist alone, or two or more modules can be integrated to form an independent part.

[0097] It should be noted that if the function is implemented in the form of a software functional module and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art, or this part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes several instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in each embodiment of the present application. And the foregoing storage medium includes: USB flash drive, mobile hard disk, read-only memory (ROM), random access memory (RAM), magnetic disk or optical disc and other various media that can store program codes.

[0098] In this document, relational terms such as first and second are used solely to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations.

[0099] The above description is only an embodiment of the present application and is not intended to limit the protection scope of the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included within the protection scope of the present application.

Claims

1. A fund routing method, characterized in that, The described fund routing method is used to manage a fund routing system including a fund applicant and multiple fund channels. The fund routing method includes: Obtaining a fund application request from the fund applicant; Obtaining comprehensive information of the fund applicant, where the comprehensive information includes third-party information from a third-party data platform; Matching a fund channel for the fund applicant according to the comprehensive information and a matching rule to obtain a matching result; and Configuring a fund channel for the fund applicant according to the matching result; Among them, configuring a fund channel for the fund applicant according to the matching result includes: If multiple available fund channels are included in the matching result, selecting the best fund channel according to the current occupancy situation and priority ranking of the available fund channels; If there are no available fund channels in the matching result, returning that there are no available fund channels and ending the matching; Among them, after configuring a fund channel for the fund applicant according to the matching result, the fund routing method further includes: Updating the fund channel information in the fund routing system according to the occupancy situation of the fund channel; Among them, the fund channel information includes the remaining fund amount, the fund occupancy situation, and the priority ranking.

2. The fund routing method according to claim 1, wherein Among them, The comprehensive information further includes basic information, and the third-party information includes association information and credit information; Among them, the basic information is obtained according to the filling in by the fund applicant in the fund routing system; The association information and credit information are obtained by querying in the third-party data platform according to the basic information.

3. The fund routing method according to claim 1, wherein Among them, Obtaining the comprehensive information of the fund applicant includes: Obtaining historical application information of the fund applicant according to the fund routing system, where the historical application information includes the historically rejected fund channels of the fund applicant in historical applications.

4. The fund routing method according to claim 3, wherein Among them, Matching a fund channel for the fund applicant according to the comprehensive information and a matching rule includes: Excluding the historically rejected fund channels in the fund channels; If there are still multiple available fund channels among the multiple fund channels, continue to match a fund channel for the fund applicant.

5. A fund routing system, characterized in that, The fund routing system includes: A data acquisition module for acquiring an application request and comprehensive information of a fund applicant. Among them, the data acquisition module acquires the comprehensive information from within the fund routing system and a third-party data platform respectively; A matching module for matching fund channels. The matching module matches a fund channel for the fund applicant according to the comprehensive information and a matching rule to obtain a matching result; A configuration module for configuring fund channels. The configuration module configures a fund channel for the fund applicant according to the matching result; Among them, in the process of configuring a fund channel for the fund applicant according to the matching result, the configuration module is used to, if multiple available fund channels are included in the matching result, select the best fund channel according to the current occupancy situation and priority ranking of the available fund channels; if there are no available fund channels in the matching result, return that there are no available fund channels and end the matching; Among them, the fund routing system further includes: an update module; After the configuration module configures a fund channel for the fund applicant according to the matching result, the update module is used to update the fund channel information in the fund routing system according to the occupancy of the fund channel; wherein, the fund channel information includes the remaining fund amount, the fund occupancy, and the priority ranking.

6. The fund routing system according to claim 5, wherein, The matching module includes: A service matching unit, configured to screen fund channels according to the historical application information of the fund applicant in the fund routing system, the historical application information including the historically rejected fund channels, and the service matching unit excludes the historically rejected fund channels; A big data matching unit, configured to screen fund channels according to the associated information of the third-party data platform, and the big data matching unit screens out the fund channels that match the associated information.

7. An electronic device, characterized in that, Comprising: A processor, a memory, and a bus, wherein, The processor and the memory communicate with each other through the bus; The memory stores program instructions executable by the processor, and the processor can execute the method according to any one of claims 1-4 by invoking the program instructions.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions, and the computer instructions cause the computer to execute the method according to any one of claims 1-4.

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