User information identification method, device, computer equipment and medium

Abstract

The present application relates to the field of data processing technology, and provides a user information identification method, device, computer equipment and medium, wherein the method comprises: receiving a transaction submission request sent by a user, the transaction submission request comprising the user ID and transaction amount of the user; obtaining the transaction information, basic information and preset commission of the user based on the user ID; if the number of the preset commission is greater than 1, selecting the target commission of the user from the preset commission of the user based on the transaction information and basic information of the user; calculating the product between the target commission and the transaction amount to obtain the commission value to be paid by the user. The present application can improve the accuracy and efficiency of calculating commissions.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and mainly to a user information identification method, device, computer equipment and medium. Background Art

[0002] With the development of computers and the Internet, many businesses can be conducted online. For example, trading businesses such as stocks, funds, futures, bonds, derivatives, fixed deposits, and transfers. When trading in the field of network applications, some fees need to be paid to the trading platform. For example, commissions, stamp duties, transfer fees, etc. Among them, the commission is a value negotiated between the broker and the user. However, different brokers may offer different commissions to users, and different business departments in the same broker may offer different commissions to users. Therefore, when the number of commissions for the same user is multiple, how to select the commission is a technical problem to be solved by technicians in this field. Summary of the invention

[0003] The embodiments of the present application provide a user information identification method, apparatus, computer equipment and medium, which can improve the accuracy of selecting commissions and help improve the accuracy and efficiency of calculating commissions.

[0004] In a first aspect, an embodiment of the present application provides a method for identifying user information, wherein:

[0005] Receiving a transaction submission request sent by a user, wherein the transaction submission request includes a user ID and a transaction amount of the user;

[0006] Acquire the transaction information, basic information and preset commission of the user based on the user identification;

[0007] If the number of the preset commissions is greater than 1, selecting the target commission of the user from the preset commissions of the user based on the transaction information and basic information of the user;

[0008] The product of the target commission and the transaction amount is calculated to obtain the commission value to be paid by the user.

[0009] In a second aspect, an embodiment of the present application provides a user information identification device, wherein:

[0010] A communication unit, configured to receive a transaction submission request sent by a user, wherein the transaction submission request includes a user ID and a transaction amount of the user;

[0011] An acquisition unit, configured to acquire the transaction information, basic information and preset commission of the user based on the user identifier;

[0012] a processing unit, configured to select a target commission for the user from the preset commissions for the user based on the transaction information and basic information of the user if the number of the preset commissions is greater than 1;

[0013] The calculation unit is used to calculate the product between the target commission of the user and the transaction amount to obtain the commission value of the user.

[0014] In a third aspect, an embodiment of the present application provides a computer device, comprising a processor, a memory, a communication interface, and a computer program, wherein the computer program is stored in the memory, the computer program is configured to be executed by the processor, and the computer program includes instructions for some or all of the steps described in the first aspect.

[0015] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program enables a computer to execute to implement some or all of the steps described in the first aspect.

[0016] Implementing the embodiments of the present application will have the following beneficial effects:

[0017] After adopting the above-mentioned user information identification method, device, computer equipment and medium, after receiving the transaction submission request sent by the user, the user's transaction information, basic information and preset commission are first obtained based on the user's user ID. In the case where the number of preset commissions is greater than 1, the user's target commission is selected from the user's preset commissions based on the user's transaction information and basic information. Then, the product between the target commission and the transaction amount is calculated to obtain the commission value to be paid by the user. In this way, the accuracy of selecting the commission can be improved, which is conducive to improving the accuracy and efficiency of calculating the commission. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0019] in:

[0020] Figure 1 A schematic diagram of the structure of a user information identification system provided in an embodiment of the present application;

[0021] Figure 2 A schematic diagram of the structure of a server provided in an embodiment of the present application;

[0022] Figure 3 A flowchart of a user information identification method provided in an embodiment of the present application;

[0023] Figure 4 A schematic diagram of the structure of a user information identification device provided in an embodiment of the present application;

[0024] Figure 5 A schematic diagram of the structure of a computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0025] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. According to the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0026] The terms "first", "second", etc. in the specification and claims of this application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but optionally includes steps or units that are not listed, or optionally includes other steps or units inherent to these processes, methods, products or devices.

[0027] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0028] Please refer to Figure 1 , Figure 1 A schematic diagram of the architecture of a user information identification system provided in an embodiment of the present application. The system may include an electronic device 101 and a server 102. The electronic device 101 and the server 102 may communicate via a network. The network communication may be based on any wired and wireless network, including but not limited to the Internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (VPN), and a wireless communication network, etc.

[0029] The embodiments of the present application do not limit the number of electronic devices and servers, and the server can provide services for multiple electronic devices at the same time. The server can be an independent server, or it can be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), and big data and artificial intelligence platforms. The server can also be implemented by a server cluster composed of multiple servers.

[0030] The electronic device may be a personal computer (PC), a laptop or a smart phone, or an all-in-one machine, a handheld computer, a tablet computer (pad), a smart TV player terminal, a vehicle-mounted terminal or a portable device. The operating system of the electronic device on the PC side, such as an all-in-one machine, may include but is not limited to Linux system, Unix system, Windows series system (such as Windows XP, Windows 7, etc.), Mac OS X system (Apple computer operating system) and other operating systems. The operating system of the electronic device on the mobile side, such as a smart phone, may include but is not limited to Android system, IOS (Apple mobile phone operating system), Window system and other operating systems.

[0031] The electronic device can install and run the application, and the server can be a server corresponding to the application installed in the electronic device, providing application services for the application. The application can be a separately integrated application software, or a small program embedded in other applications, or a system on a web page, etc., which is not limited here.

[0032] For example, the electronic device can run a financial transaction application corresponding to a securities trading platform, and the server is a server corresponding to the financial transaction application. The server can be used to provide unified management of transaction commissions and securities trading for the electronic device.

[0033] Please refer to Figure 2 , Figure 2 A schematic diagram of the structure of a server provided in an embodiment of the present application. Figure 2 As shown, the server may include a commission center, as well as modules such as account information, centralized operations, peripheral channels, operational customer relationship management (OCRM), transaction center, and clearing center connected to the commission center. Among them, OCRM is used for customer information collection, classification, statistics, etc. in a large database. In this way, the transaction service of the server can be realized through the above modules.

[0034] The embodiment of the present application proposes a user information identification method, which can be executed by a user information identification device. The device can be implemented by software and / or hardware, and can generally be integrated in a server, which can improve the accuracy of selecting commissions and is conducive to improving the accuracy and efficiency of calculating commissions.

[0035] Please refer to Figure 3 , Figure 3 This is a flowchart of a user information identification method provided by the present application. Taking the method applied to a server as an example, the method includes the following steps S301 to S304, wherein:

[0036] S301. Receive a transaction submission request sent by a user.

[0037] In the embodiment of the present application, the transaction submission request is used to request the completion of the transaction. After the user initiates a transaction application for a certain product, the commission can be displayed on the current page or the transaction reminder page to prompt the commission value of this transaction. This application does not limit the transaction type, which can be stocks, funds, futures, bonds, derivatives, etc. The user in the embodiment of the present application can be any customer who has opened an account, and is not limited here.

[0038] The transaction submission request may include the product identification to be traded, such as the product number or Chinese name, etc. The transaction submission request may also include the user identification of the user, such as the user's name, or the account or account name registered by the user in the server, or the account opening number of the transaction business, or the mobile phone number, ID number, email address filled in the application, etc. This application does not limit the type of product identification and user identification, and does not limit the information carried in the transaction submission request, and the transaction submission request also includes the transaction amount.

[0039] S302: Acquire the user's transaction information, basic information and preset commission based on the user identification.

[0040] In an embodiment of the present application, the transaction information of the user may include the historical transaction records of the user in the server (or securities trading platform), the fund information in the securities trading platform, etc. Among them, the fund information includes income and expenditure, loan information, real estate information, etc. It can be understood that the fund information can reflect the funds that the user can use for venture capital, and the historical transaction records can reflect the user's trading habits. It should be noted that the transaction information includes the transaction information in the transaction submission request, such as the transaction submission time, transaction amount, transaction type, subject matter, etc.

[0041] The basic information of the user may include the user ID, age, gender, correspondence address, education experience, work experience, health status, etc. The correspondence address may be a home address, company address, etc. The education experience includes the education experience that the user has graduated from or is currently in progress, as well as the major, or may include the courses that the user has self-taught on the Internet, etc. The work experience includes the work unit and work experience of the user, etc. The health status includes the physical and mental state of the user, etc.

[0042] This application does not limit the above types of basic information, nor does it limit the type of basic information. It can be understood that identification information can be used to obtain other information of the user (for example, risk information, etc.), and age, gender, education experience, work experience, and health status can be used to analyze the user's preferences, living standards, and stress resistance. In summary, the user's basic status can be obtained through the user's basic information, which is conducive to determining the accuracy of the user's commission.

[0043] In the embodiment of the present application, the commission rule standard is used to define the setting conditions of the commission or the specific commission value. The setting conditions of the commission rules can be set based on the transaction type, for example, the commission for ordinary transactions is 0.125% or a minimum of 55 yuan, the commission for intraday transactions is 0.0875% or a minimum of 55 Hong Kong dollars, the commission for online transactions is 0.0675% or a minimum of 40 yuan, and the monthly stock commission is 0.0675% or a minimum of 40 yuan. The setting conditions can also be set according to different transaction times and / or transaction amounts. For example, the commission is 0.0875 for transactions less than 50 times; the commission is 0.0675% for transactions greater than 50 times and less than 500 times; the commission is 0.06% for transactions greater than 500 times, etc. For another example, the commission is 0.0875% for a transaction amount less than 100,000; the commission is 0.0675% for a transaction amount greater than 100,000 and less than 500,000; the commission is 0.06% for a transaction amount greater than 500,000, etc.

[0044] The commission rules and standards corresponding to the product identification can be the default charging standards set by the securities trading platform for the products corresponding to the product identification. If the securities trading platform does not set commission rules and standards for the products separately, the charging standards set by the securities trading platform shall apply. For example, the minimum commission for each transaction is 5 yuan, and the commission is not less than 0.2% and not more than 0.5%. In other words, the commission corresponding to the commission rules and standards corresponding to the product identification should belong to the charging standards set by the securities trading platform. For example, the commission charging standards set by the securities trading platform are not less than 0.2% and not more than 0.5%, and the commission in the commission rules and standards corresponding to the product identification can be 0.3%.

[0045] In an embodiment of the present application, the preset commission of the user can be a commission value pre-set for the user by each setting object. It can be understood as a commission value corresponding to a personalized commission rule. It should be noted that the preset commission should meet the commission rule standard corresponding to the product identification. In other words, the preset commission can also be understood as a value obtained by discounting on the basis of the commission rule standard corresponding to the product identification. The present application does not limit the method of discounting, and can be based on the type of discount strategy and the discount rate, such as discounting according to information such as transaction volume and asset volume.

[0046] This application does not limit the setting object of the preset commission, which can be each brokerage firm, or can be a business department in a brokerage firm or a salesperson in a business department. In an embodiment of the present application, if the number of preset commissions of a user is 0, it means that no setting object is set to set a commission for the user, and the user can be a user who has not yet traded. If the number of preset commissions of a user is 1, it means that only one setting object has set a personalized commission (or commission rule) for the user, or the commission (or commission rule) of the user has been unified, and the commission value to be paid by the user can be calculated based on the preset commission. If the number of preset commissions of a user is greater than 1, it means that there are multiple setting objects that set personalized commissions (or commission rules) for the user, and it is necessary to select a preset commission from multiple preset commissions as the target commission, so that the target commission is used to calculate the commission value to be paid by the user. In this way, the accuracy of selecting commissions can be improved, which is conducive to improving the efficiency and accuracy of calculating commissions.

[0047] The following discusses the method of determining the target commission according to the amount of the preset commission. In the first aspect, if the amount of the preset commission is 0, the user's target commission is determined based on the commission rule standard corresponding to the product identifier, the user's transaction information and basic information.

[0048] As mentioned above, when the amount of the user's preset commission is 0, it means that no object has been set to set a personalized commission (or commission rule) for the user, and the user may be a user who has not yet conducted a transaction. In this way, the user's commission can be calculated based on the commission rule standard corresponding to the product identifier, and the user's transaction information and basic information. This application does not limit the specific calculation method. In a possible example, determining the user's target commission based on the commission rule standard corresponding to the product identifier, the user's transaction information and basic information may include the following steps A1 and A2, where:

[0049] A1. Determine the purchasing power of the user to purchase the product corresponding to the product identifier based on the user's transaction information and basic information.

[0050] In the embodiment of the present application, the purchasing power of a user to purchase a product corresponding to a product identifier refers to the quantity or amount of the product purchased by the user. The present application does not limit the method for determining purchasing power. In a possible example, step A1 may include the following steps: obtaining product information corresponding to the product identifier; determining the user's fund status based on the user's basic information; determining the purchase probability of the product information based on the user's transaction information; determining the user's pending transaction amount based on the user's fund status and transaction information; calculating the product between the purchase probability and the pending transaction amount to obtain the user's purchasing power to purchase the product corresponding to the product identifier.

[0051] Among them, product information may include the type, purpose, expiration date, benefits, risks, etc. of the product. The fund status can be specifically determined by the income and expenditure level determined by the user's basic information. The purchase probability is used to describe the probability of a user purchasing a product, which is determined based on the user's preference for the product corresponding to the product identifier. The amount to be traded refers to the amount that the user can use for the transaction, and there is no limit on the type of transaction product.

[0052] It can be understood that in this example, the product information corresponding to the product identifier and the fund status determined by the user's basic information are first obtained. Then, the purchase probability that the user will purchase the product is determined based on the user's transaction information, and the pending transaction amount of the product to be purchased in the current state is determined based on the user's transaction information and fund status. Then, the product between the purchase probability and the pending transaction amount is calculated to obtain the purchasing power of the user to purchase the product corresponding to the product identifier. In this way, the purchasing power of the product is calculated from the user's fund status and purchasing habits, which can improve the accuracy of calculating the purchasing power.

[0053] A2. Determine the user's target commission based on the commission rules and purchasing power corresponding to the product logo.

[0054] The target commission can be obtained by obtaining the value corresponding to the purchasing power through the commission rule standard corresponding to the product identifier. Or in a possible example, the sub-value corresponding to each commission rule dimension in the commission rule standard corresponding to the product identifier is adjusted based on the purchasing power to obtain the target sub-value; and the target sub-value is weighted based on the target sub-value to obtain the user's target commission.

[0055] Among them, the commission rule dimension may include the number of transactions or transaction frequency, transaction amount, transaction type, transaction subject, contribution, risk value, etc. It can be understood that the number of transactions and transaction frequency are used to describe the transaction activity of the user. The more transactions, or the greater the transaction frequency, or the greater the transaction amount, the smaller the commission value can be. The more transactions of the same type, the more transactions of the same subject, or the more transactions with the same transaction object, the smaller the commission value can be. Any of the above commission rule dimensions is related to purchasing power. Therefore, the sub-value of the commission rule dimension can be adjusted based on the correlation value between purchasing power and the above commission rule dimension. Then, the target commission of the user is obtained by weighted calculation based on the target sub-value obtained after adjustment. In this way, based on the sub-value adjustment corresponding to each commission rule dimension and determining the target commission, the accuracy of determining the target commission can be improved, which is conducive to improving the accuracy and efficiency of calculating the commission.

[0056] It can be understood that in step A1 and step A2, the purchasing power of the user to purchase the product corresponding to the product identifier is first determined based on the user's transaction information and basic information. Then, the user's target commission is determined based on the commission rule standard and purchasing power corresponding to the product identifier. In this way, a target commission that meets the commission rule standard can be obtained, and the target commission is determined based on the user's purchasing power, which can improve the accuracy of determining the target commission, which is conducive to improving the accuracy and efficiency of calculating the commission.

[0057] Secondly, if the amount of the preset commission is 1, the preset commission will be used as the user's target commission.

[0058] As mentioned above, when the number of preset commissions of a user is 1, it means that only one setting object has set a personalized commission (or commission rule) for the user, or the user's commission (or commission rule) has been unified into one, and the preset commission can be used as the user's target commission.

[0059] Or in a possible example, if the number of preset commissions is 1, a reference value of the preset commission is determined; the size of the preset commission is adjusted based on the reference value to obtain the user's target commission. The calculation of the reference value may refer to the description of the third aspect below. It can be understood that since the setting time of the preset commission may be long, the user's transaction information and basic information may change. Therefore, adjusting the size of the preset commission based on the reference value of the preset commission is conducive to improving the accuracy of the adjusted target commission.

[0060] In a third aspect, S303, if the number of preset commissions is greater than 1, the user's target commission is selected from the user's preset commissions based on the user's transaction information and basic information.

[0061] As mentioned above, if the number of preset commissions is greater than 1, it means that there are multiple setting objects that set personalized commissions (or commission rules) for the user. In the embodiment of the present application, the number of target commissions is 1. In a possible example, after step S303, the preset commission is updated to the target commission. In this way, the uniqueness of the user's commission can be guaranteed, and the efficiency of calculating the commission next time can be improved.

[0062] In the embodiment of the present application, the target commission refers to the ratio used to calculate the commission value to be paid by the user. It should be noted that the target commission can be a commission for the same user and the same product. In other words, different products have different commissions. The user has one commission for the same product.

[0063] The present application does not limit the method for selecting the target commission. In a possible example, selecting the user's target commission from the user's preset commission based on the user's transaction information and basic information may include the following steps B1 to B3, wherein:

[0064] B1. Acquire the user's preset commission setting information based on the user's transaction information and basic information.

[0065] In an embodiment of the present application, the setting information of the preset commission may include the setting time of the preset commission, the user's historical basic information and historical transaction information before the preset commission is set, basic information of the setting object of the preset commission, etc., which is not limited here.

[0066] Among them, the historical basic information and historical transaction information can refer to the description of basic information and transaction information respectively, which will not be repeated here. It should be noted that when the basic information is not updated, the historical basic information is the same as the basic information. If no new transactions are made after the preset commission is set, the historical transaction information is the same as the transaction information.

[0067] The basic information of the setting object may include the name, level, and location information of each setting object. The level may be divided into business outlets, head offices, offices, etc., or may be divided into first-level units, second-level units, and third-level units, etc. The location information may include the address information of the setting object and the surrounding area attributes, etc. For example, the location information may include 200 meters from a hospital, 100 meters from a shopping mall, 300 meters from a school, etc.

[0068] B2. Determine a reference value of the preset commission based on the setting information of the preset commission.

[0069] In the embodiment of the present application, the reference value of the preset commission is used to describe the reference value of the preset commission. That is, the larger the reference value, the greater the possibility of selecting the preset commission. The present application does not limit the method for determining the reference value of the preset commission. In a possible example, step B2 may include the following steps B21 to B23, where:

[0070] B21. Determine the intimacy value between the user and the setting object based on the historical basic information and historical transaction information, as well as the basic information of the setting object.

[0071] In the embodiment of the present application, the intimacy value is used to describe the intimacy between the setting object and the user. In a possible example, step B21 may include the following steps B211 to B214, wherein:

[0072] B211. Determine the association value between the user and the setting object based on the historical basic information and the basic information of the setting object.

[0073] The association value is used to describe the degree of association between the user and the setting object. The association value can be determined based on the user location determined by the historical basic information and the setting object location determined by the basic information of the setting object. For example, the closer the location information overlaps or the closer the distance is, the greater the association value is. The association value can also be determined based on the association relationship between the user's contact information determined by the historical basic information and the salesperson information in the basic information of the setting object. For example, the closer the association relationship between the user's contact and the salesperson of the setting object is, the greater the association value is.

[0074] B212. Search the historical transaction information for the target historical transaction information corresponding to the setting object.

[0075] B213. Calculate a first ratio between the total number of transactions of the target historical transaction information and the total number of transactions of the historical transaction information, and calculate a second ratio between the total transaction amount of the target historical transaction information and the total transaction amount of the historical transaction information.

[0076] In an embodiment of the present application, the target historical transaction information refers to the historical transaction information of transactions conducted through the set object. The total number of transactions may include the number of successful transactions, or may also include the number of failed transactions. The total transaction amount includes the sum of the amounts of successful transactions. The first ratio is equal to the ratio between the total number of transactions of the target historical transaction information and the total number of transactions, and the second ratio is equal to the ratio between the total transaction amount of the target historical transaction information and the total transaction amount of the historical transaction information. It can be understood that the more transactions with the set object, the larger the transaction amount, which means that the user trusts the set object more to conduct transactions. In this way, the intimacy value between the user and the set object is calculated based on the first ratio between the total number of transactions and the second ratio between the total transaction amounts, which is conducive to improving the accuracy of calculating the intimacy value.

[0077] B214. Calculate the intimacy value between the user and the setting object based on the association value, the first ratio, and the second ratio between the user and the setting object.

[0078] The intimacy value can be a weighted average of the association value, the first ratio and the second ratio, or the transaction probability can be first calculated based on the first ratio and the second ratio, and then the product between the association value and the transaction probability is calculated to obtain the intimacy value between the user and the set object, etc., which is not limited here.

[0079] It can be understood that in steps B211 to B214, the intimacy value between the user and the set object is calculated based on the association value between the user and the set object, the first ratio corresponding to the number of transactions, and the second ratio corresponding to the transaction amount, respectively. This can improve the accuracy of calculating the intimacy value, which is conducive to improving the accuracy of calculating the commission.

[0080] B22. Determine the correlation value between each commission rule dimension and other commission rule dimensions in the historical commission rule corresponding to the preset commission.

[0081] Historical commission rules refer to the commission rules corresponding to the preset commission. The commission rule dimensions other than the commission rule dimension in the historical commission rules can be called other commission rule dimensions. The association value is used to describe the degree of association between each commission rule dimension and other commission rule dimensions in the historical commission rules. It can be determined based on the calling relationship and the number of calls between the commission rule dimension and other commission rule dimensions, etc., which are not limited here.

[0082] B23. Determine a reference value of the preset commission based on the intimacy value between the user and the setting object, the correlation value between the commission rule dimension and other commission rule dimensions, and the sequence of setting times of the preset commission.

[0083] It can be understood that the closer the time to setting the preset commission is, the greater the reference value of the preset commission. The closer the setting object and the user are, the more the setting object knows the user, and the greater the accuracy of the set commission rules. The greater the correlation value between the commission rule dimension and other commission rule dimensions, the greater the impact on the commission setting. Therefore, in steps B21 to B23, the reference value of the preset commission is determined based on the intimacy value between the setting object and the user, the correlation value between the commission rule dimension and other commission rule dimensions, and the order of the setting time of the preset commission, which improves the accuracy of determining the reference value and is conducive to improving the accuracy of calculating the commission.

[0084] B3. The preset commission corresponding to the maximum value of the reference value is used as the user's target commission.

[0085] It can be understood that in steps B1 to B3, the setting information of each preset commission of the user is first obtained based on the transaction information and basic information of the user. Then, the reference value of the preset commission is determined based on the setting information of the preset commission. Then, the preset commission corresponding to the maximum value of the reference value is used as the target commission of the user. In this way, the target commission is selected based on the reference value of the preset commission, which can improve the accuracy of selecting the target commission.

[0086] S304: Calculate the product of the target commission and the transaction amount to obtain the commission value to be paid by the user.

[0087] The commission value to be paid by the user can be understood as the amount that the user needs to pay when the transaction corresponding to the transaction submission request is successful. For example, if the target commission is 0.04% and the transaction amount is 10,000, the commission value is calculated to be 10,000*0.4%, which is 40.

[0088] exist Figure 3 In the method shown, after receiving the transaction submission request sent by the user, the user's transaction information, basic information and preset commission are first obtained based on the user's user ID. In the case where the number of preset commissions is greater than 1, the user's target commission is selected from the user's preset commissions based on the user's transaction information and basic information. Then, the product between the target commission and the transaction amount is calculated to obtain the commission value to be paid by the user. In this way, the accuracy of selecting the commission can be improved, which is conducive to improving the accuracy and efficiency of calculating the commission.

[0089] The method of the embodiment of the present application is described in detail above, and the device of the embodiment of the present application is provided below.

[0090] and Figure 1 The embodiment shown is consistent with that shown in FIG. Figure 4 , Figure 4 Schematic diagram of the structure of a user information identification device proposed in this application. Figure 4 As shown, the user information identification device 400 includes:

[0091] The communication unit 401 is used to receive a transaction submission request sent by a user, wherein the transaction submission request includes a user ID and a transaction amount of the user;

[0092] The acquisition unit 402 is used to acquire the transaction information, basic information and preset commission of the user based on the user identification;

[0093] The processing unit 403 is configured to select a target commission for the user from the preset commissions for the user based on the transaction information and basic information of the user if the number of the preset commissions is greater than 1;

[0094] The calculation unit 404 is used to calculate the product of the user's target commission and the transaction amount to obtain the user's commission value.

[0095] In a possible example, the processing unit 403 is specifically used to obtain the setting information of the preset commission of the user based on the transaction information and basic information of the user; determine the reference value of the preset commission based on the setting information of the preset commission; and use the preset commission corresponding to the maximum value of the reference value as the target commission of the user.

[0096] In a possible example, the setting information of the preset commission includes the historical basic information and historical transaction information of the user before the preset commission is set, and the basic information of the setting object of the preset commission, and the processing unit 403 is specifically used to determine the intimacy value between the user and the setting object based on the historical basic information and the historical transaction information, and the basic information of the setting object; determine the association value between each commission rule dimension and other commission rule dimensions in the historical commission rules corresponding to the preset commission; determine the reference value of the preset commission based on the intimacy value between the user and the setting object, the association value between the commission rule dimension and the other commission rule dimensions, and the sequence of setting time of the preset commission.

[0097] In a possible example, the processing unit 403 is specifically used to determine the association value between the user and the setting object based on the historical basic information and the basic information of the setting object; search for the target historical transaction information corresponding to the setting object from the historical transaction information; calculate a first ratio between the total number of transactions of the target historical transaction information and the total number of transactions of the historical transaction information, and calculate a second ratio between the total transaction amount of the target historical transaction information and the total transaction amount of the historical transaction information; calculate the intimacy value between the user and the setting object based on the association value between the user and the setting object, the first ratio, and the second ratio.

[0098] In a possible example, the transaction submission request also includes a product identifier to be traded, and the processing unit 403 is further used to determine the user's target commission based on the commission rule standard corresponding to the product identifier, the user's transaction information and basic information if the amount of the preset commission is 0.

[0099] Alternatively, in a possible example, the processing unit 403 is further configured to, if the amount of the preset commission is 1, use the preset commission as the target commission of the user.

[0100] In a possible example, the processing unit 403 is specifically used to determine the purchasing power of the user to purchase the product corresponding to the product identifier based on the user's transaction information and basic information; and determine the user's target commission based on the commission rule standard corresponding to the product identifier and the purchasing power.

[0101] In a possible example, the processing unit 403 is specifically used to obtain product information corresponding to the product identifier; determine the user's financial status based on the user's basic information; determine the amount to be traded based on the user's financial status and transaction information; determine the purchase probability of the product information based on the user's transaction information; calculate the product between the purchase probability and the amount to be traded to obtain the user's purchasing power to purchase the product corresponding to the product identifier.

[0102] The detailed execution process of each unit in the user information identification device 400 can refer to the execution steps in the aforementioned method embodiment, which will not be repeated here.

[0103] and Figure 3 For details, please refer to Figure 5 , Figure 5 Schematic diagram of the structure of a computer device provided in an embodiment of the present application. Figure 5 As shown, the computer device 500 includes a processor 510, a memory 520, and a communication interface 530. The processor 510, the memory 520, and the communication interface 530 are interconnected via a bus 550. Figure 4 The related functions implemented by the communication unit 401 shown can be implemented through the communication interface 530. Figure 4 The related functions implemented by the acquisition unit 402 , the processing unit 403 and the calculation unit 404 shown can be implemented by the processor 510 .

[0104] The memory 520 stores a computer program 540, which is configured to be executed by the processor 510. The computer program 540 includes instructions for executing the following steps:

[0105] Receiving a transaction submission request sent by a user, wherein the transaction submission request includes a user ID and a transaction amount of the user;

[0106] Acquire the transaction information, basic information and preset commission of the user based on the user identification;

[0107] If the number of the preset commissions is greater than 1, selecting the target commission of the user from the preset commissions of the user based on the transaction information and basic information of the user;

[0108] The product of the target commission and the transaction amount is calculated to obtain the commission value to be paid by the user.

[0109] In a possible example, in selecting the target commission of the user from the preset commissions of the user based on the transaction information and basic information of the user, the computer program 540 specifically includes instructions for executing the following steps:

[0110] Acquire setting information of a preset commission of the user based on the transaction information and basic information of the user;

[0111] determining a reference value of the preset commission based on the setting information of the preset commission;

[0112] The preset commission corresponding to the maximum value of the reference value is used as the target commission for the user.

[0113] In a possible example, the setting information of the preset commission includes the historical basic information and historical transaction information of the user before the setting of the preset commission, and the basic information of the setting object of the preset commission. In determining the reference value of the preset commission based on the setting information of the preset commission, the computer program 540 specifically includes instructions for executing the following steps:

[0114] Determine the intimacy value between the user and the setting object based on the historical basic information and the historical transaction information, and the basic information of the setting object;

[0115] Determine the correlation value between each commission rule dimension and other commission rule dimensions in the historical commission rule corresponding to the preset commission;

[0116] The reference value of the preset commission is determined based on the intimacy value between the user and the setting object, the correlation value between the commission rule dimension and the other commission rule dimensions, and the sequence of setting times of the preset commission.

[0117] In a possible example, in determining the intimacy value between the user and the setting object based on the historical basic information and the historical transaction information, and the basic information of the setting object, the computer program 540 specifically includes instructions for executing the following steps:

[0118] determining an association value between the user and the setting object based on the historical basic information and the basic information of the setting object;

[0119] Searching the historical transaction information for the target historical transaction information corresponding to the setting object;

[0120] Calculating a first ratio between the total number of transactions of the target historical transaction information and the total number of transactions of the historical transaction information, and calculating a second ratio between the total amount of transactions of the target historical transaction information and the total amount of transactions of the historical transaction information;

[0121] An intimacy value between the user and the setting object is calculated based on the association value between the user and the setting object, the first ratio, and the second ratio.

[0122] In a possible example, the transaction submission request further includes an identification of a product to be traded. After obtaining the transaction information, basic information, and preset commission of the user based on the user identification, the computer program 540 further includes instructions for executing the following steps:

[0123] If the amount of the preset commission is 0, the target commission of the user is determined based on the commission rule standard corresponding to the product identifier, the transaction information and basic information of the user.

[0124] Or in a possible example, after obtaining the transaction information, basic information and preset commission of the user based on the user identification, the computer program 540 further includes instructions for executing the following steps:

[0125] If the amount of the preset commission is 1, the preset commission is used as the target commission of the user.

[0126] In a possible example, in determining the target commission of the user based on the commission rule standard corresponding to the product identifier, the transaction information and basic information of the user, the computer program 540 specifically includes instructions for executing the following steps:

[0127] Determining the purchasing power of the user to purchase the product corresponding to the product identifier based on the transaction information and basic information of the user;

[0128] The target commission for the user is determined based on the commission rule standard corresponding to the product identification and the purchasing power.

[0129] In a possible example, in determining the purchasing power of the user to purchase the product corresponding to the product identifier based on the transaction information and basic information of the user, the computer program 540 specifically includes instructions for executing the following steps:

[0130] Obtain product information corresponding to the product identifier;

[0131] Determine the user's fund status based on the user's basic information;

[0132] Determine the amount to be traded based on the user's fund status and transaction information;

[0133] determining a purchase probability of the product information based on the transaction information of the user;

[0134] The product of the purchase probability and the amount to be traded is calculated to obtain the purchasing power of the user to purchase the product corresponding to the product identifier.

[0135] An embodiment of the present application also provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, which enables a computer to execute part or all of the steps of any method recorded in the method embodiment, and the computer includes an electronic device or a server.

[0136] The present application also provides a computer program product, which includes a non-transitory computer-readable storage medium storing a computer program, and the computer program is operable to cause a computer to execute to implement some or all steps of any method described in the method embodiment. The computer program product can be a software installation package, and the computer includes an electronic device or a server.

[0137] In the above embodiment, the computer-readable storage medium may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function, etc.; the data storage area may store data created according to the use of the blockchain node, etc. For example, the blockchain may store the user's preset commission and the commission rule standard corresponding to the product identification, etc., which are not limited here.

[0138] The blockchain referred to in the embodiments of the present application is a new application model of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods, each of which contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, platform product service layer, and application service layer.

[0139] It should be noted that, for the above-mentioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions and modes involved are not necessarily required by the present application.

[0140] In the above embodiments, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0141] In the several embodiments provided in the present application, it should be understood that the disclosed device can be implemented in other ways. For example, the device embodiments described above are only schematic, such as the division of units, which is only a logical function division. There may be other division methods in actual implementation, such as at least one unit or component can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, and the indirect coupling or communication connection of devices or units can be electrical or other forms.

[0142] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on at least one network unit. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0143] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software program mode.

[0144] If the integrated unit is implemented in the form of a software program model and sold or used as an independent product, it can be stored in a computer-readable memory. According to this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a memory and includes several instructions for a computer (which can be a personal computer, server or network device, etc.) to execute all or part of the steps of the various embodiments of the present application. The aforementioned memory includes: U disk, read-only memory (ROM), random access memory (RAM), mobile hard disk, magnetic disk or optical disk, etc., and other media that can store program codes.

[0145] The embodiments of the present application are introduced in detail above. Specific examples are used in this article to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method of the present application and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A user information identification method, characterized in that: include: Receive a transaction submission request sent by a user, wherein the transaction submission request includes a user ID of the user, an ID of a product to be traded, and a transaction amount; Based on the user identification, the transaction information, basic information and the amount of preset commission of the user are obtained. The transaction information of the user includes the historical transaction records of the user in the server and the fund information in the securities trading platform. The fund information includes income and expenditure, loan information and real estate information. The basic information of the user includes the age, gender, correspondence address, education background, work experience and health status of the user. The preset commission of the user is the commission value corresponding to the personalized commission rule pre-set by the setting object for the user. If the amount of the preset commission of the user is 0, it indicates that no setting object has set a commission for the user. If the amount of the preset commission of the user is 1, it indicates that only one setting object has set a commission for the user or the commission of the user has been unified. If the amount of the preset commission of the user is greater than 1, it indicates that there are multiple setting objects that have set a commission for the user. If the amount of the preset commission is 0, obtain the product information corresponding to the product identifier, the product information including the type, purpose, expiration date, benefit, and risk of the product; determine the user's financial status based on the user's basic information; determine the purchase probability of the product information based on the user's transaction information, the purchase probability is used to describe the probability of the user purchasing the product; determine the user's pending transaction amount based on the user's financial status and the transaction information, the pending transaction amount refers to the amount that the user can use for the transaction; calculate the product between the purchase probability and the pending transaction amount to obtain the user's purchasing power for purchasing the product corresponding to the product identifier, the purchasing power refers to the amount of the user purchasing the product; Based on the association value between the purchasing power and each commission rule dimension in the commission rule standard corresponding to the product identifier, the sub-value of the corresponding commission rule dimension is adjusted to obtain a target sub-value; the target sub-value of each commission rule dimension is weighted and calculated to obtain a target commission for the user; the commission rule dimension includes at least one of the following: number of transactions, transaction frequency, transaction amount, transaction type, transaction subject matter, contribution, and risk value; If the amount of the preset commission is 1, the preset commission is used as the target commission of the user; If the number of the preset commissions is greater than 1, then based on the transaction information and basic information of the user, the setting information of each preset commission of the user is obtained, wherein the setting information of each preset commission includes the setting time of the preset commission, the historical basic information and historical transaction information of the user before the setting of the preset commission, and the basic information of the setting object of the preset commission; the basic information of the setting object includes the name, level and location information of the setting object, and the location information includes the address information of the setting object and the surrounding area attributes; Based on the setting information of each preset commission, determining a reference value of each preset commission, wherein the reference value of the preset commission is used to describe the referenceability of the preset commission; The preset commission corresponding to the maximum reference value is used as the target commission of the user; The product of the target commission and the transaction amount is calculated to obtain the commission value to be paid by the user.

2. The method according to claim 1, characterized in that The step of determining a reference value of each preset commission based on the setting information of each preset commission includes: Determine the intimacy value between the user and the setting object based on the historical basic information and the historical transaction information, and the basic information of the setting object; Determine the correlation value between each commission rule dimension and other commission rule dimensions in the historical commission rule corresponding to the preset commission; The reference value of the preset commission is determined based on the intimacy value between the user and the setting object, the correlation value between the commission rule dimension and the other commission rule dimensions, and the sequence of setting times of the preset commission.

3. The method according to claim 2, characterized in that The determining the intimacy value between the user and the setting object based on the historical basic information and the historical transaction information, and the basic information of the setting object, includes: Determining an association value between the user and the setting object based on the historical basic information and the basic information of the setting object; From the historical transaction information, searching for target historical transaction information corresponding to the setting object; Calculating a first ratio between the total number of transactions of the target historical transaction information and the total number of transactions of the historical transaction information, and calculating a second ratio between the total amount of transactions of the target historical transaction information and the total amount of transactions of the historical transaction information; Based on the association value between the user and the setting object, the first ratio, and the second ratio, an intimacy value between the user and the setting object is calculated.

4. A user information identification device, characterized in that: The user information identification device comprises a unit for executing the method according to any one of claims 1 to 3, and the device comprises: A communication unit, configured to receive a transaction submission request sent by a user, wherein the transaction submission request includes a user ID and a transaction amount of the user; An acquisition unit, configured to acquire the transaction information, basic information and preset commission of the user based on the user identifier; a processing unit, configured to select a target commission for the user from the preset commissions for the user based on the transaction information and basic information of the user if the number of the preset commissions is greater than 1; The calculation unit is used to calculate the product between the target commission of the user and the transaction amount to obtain the commission value of the user.

5. A computer device, characterized in that: The method comprises a processor, a memory and a communication interface, wherein the memory stores a computer program, the computer program is configured to be executed by the processor, and the computer program comprises instructions for executing the steps in any one of the methods of claims 1 to 3.

6. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, which enables a computer to execute to implement the method according to any one of claims 1 to 3.

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