Pricing method, device, computer equipment, storage medium and program product

Abstract

This application relates to a pricing method, apparatus, computer device, storage medium, and program product. The method comprises: receiving a query instruction sent by a user terminal; obtaining standard pricing rules, a customer coefficient, and an enterprise coefficient based on the query instruction; determining a pricing result based on the standard pricing rules, the customer coefficient, and the enterprise coefficient; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise; and transmitting the pricing result to the user terminal. This method can take into account the impact of different customers on the user's pricing result, as well as the impact of the user's bank on the user's pricing result, and achieve automated pricing, thereby improving pricing efficiency and accuracy.

Description

Technical Field

[0001] The present application relates to the field of big data, and in particular to a pricing method, apparatus, computer equipment, storage medium, and program product. Background Art

[0002] Marketing pricing is a performance-based product pricing method established by banks to motivate their marketing staff to actively organize deposits, market loans, and expand intermediary business. If a bank's marketing staff successfully promotes a financial product to a customer, the bank will pay them a reward based on the product's pricing standards.

[0003] Currently, marketers often manually calculate their marketing pricing results based on the different pricing standards of each bank. However, this method is inefficient and produces inaccurate results. Summary of the Invention

[0004] The present application provides a pricing method, apparatus, computer equipment, storage medium and program product, which can take into account the different impacts of different customers and different banks on the marketing pricing results of marketers, and realize automated pricing when calculating the marketing pricing results, thereby improving pricing efficiency and pricing accuracy.

[0005] In a first aspect, the present application provides a pricing method. The method includes:

[0006] Receiving a query instruction sent by a user terminal;

[0007] Obtain standard pricing rules, customer coefficients, and enterprise coefficients based on query instructions; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0008] Determine pricing results based on standard pricing rules, customer coefficients, and enterprise coefficients;

[0009] Send the pricing result to the user terminal.

[0010] In one embodiment, obtaining a customer coefficient and an enterprise coefficient according to a query instruction includes: determining a target customer category, target customer resource change information, target daily average network resources, and target daily average per capita resources according to the query instruction; determining a customer coefficient according to the target customer category and target customer resource change information; determining an enterprise coefficient according to the target daily average network resources and target daily average per capita resources; the target daily average network resources are used to characterize the resource transfer capability of an outlet, and the target daily average per capita resources are used to characterize the resource transfer capability of a user.

[0011] In one embodiment, the query instruction includes a target customer identifier, and determining the target customer category according to the query instruction includes: determining the target customer category corresponding to the target customer identifier according to a preset correspondence between the customer identifier and the customer category.

[0012] In one embodiment, the pricing method further includes determining target customer resource change information corresponding to the target customer identifier; updating the correspondence between the customer identifier and the customer category based on the target customer resource change information; and determining the target customer category corresponding to the target customer identifier based on the preset correspondence between the customer identifier and the customer category, including: determining the target customer category corresponding to the target customer identifier based on the correspondence between the updated customer identifier and the customer category.

[0013] In one embodiment, the query instruction includes a target customer identifier, and determining the target customer resource change information based on the query instruction includes: determining the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer corresponding to the target customer identifier; and determining the difference between the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer as the target customer resource change information.

[0014] In one embodiment, determining the target daily average network resources according to the query instruction includes: obtaining resource information of the target enterprise within a preset time period according to the query instruction; and determining the target daily average network resources according to the resource information of the target enterprise, the preset time period and the number of outlets corresponding to the target enterprise.

[0015] In one embodiment, determining the target daily average per capita resources according to the query instruction includes: obtaining resource information of the target enterprise within a preset time period according to the query instruction; and determining the target daily average per capita resources according to the resource information of the target enterprise, the preset time period and the number of users corresponding to the target enterprise.

[0016] In one embodiment, determining a customer coefficient based on a target customer category and target customer resource change information includes: determining a customer coefficient corresponding to the target customer category or target customer resource change information based on a preset mapping table between customer categories, customer resource change information and customer coefficients.

[0017] In one embodiment, the enterprise coefficient is determined based on the daily average network resources and the daily average per capita resources, including: determining the enterprise coefficient corresponding to the target daily average network resource ranking or the target daily average per capita resource ranking based on a preset mapping table between the daily average network resource ranking, the daily average per capita resource ranking and the enterprise coefficient; the daily average network resource ranking is the ranking of the target enterprise's daily average network resources among its competitors; and the daily average per capita resource ranking is the ranking of the bank's daily average per capita resources among its competitors.

[0018] In one embodiment, determining a pricing result according to a standard pricing rule, a customer coefficient, and an enterprise coefficient includes: determining a standard pricing value according to the standard pricing rule; and determining the product of the standard pricing value, the customer coefficient, and the enterprise coefficient as the pricing result.

[0019] In a second aspect, the present application also provides a pricing method. The method includes:

[0020] Generate query instructions according to user input instructions;

[0021] Sending a query instruction to the server to instruct the server to obtain the standard pricing rules, customer coefficients, and enterprise coefficients according to the query instruction, and determine the pricing results based on the standard pricing rules, customer coefficients, and enterprise coefficients; the customer coefficient is used to represent the importance of the customer, and the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0022] Receive pricing results.

[0023] In a third aspect, the present application further provides a pricing device. The device includes:

[0024] A query instruction receiving module, used to receive a query instruction sent by a user terminal;

[0025] An acquisition module is used to obtain standard pricing rules, customer coefficients, and enterprise coefficients according to query instructions;

[0026] The determination module is used to determine the pricing result based on the standard pricing rules, customer coefficient and enterprise coefficient; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0027] The sending module is used to send the pricing result to the user terminal.

[0028] In a fourth aspect, the present application further provides a pricing device. The device includes:

[0029] A generation module, used to generate a query instruction according to the user's input instruction;

[0030] an instruction module, configured to send a query instruction to the server, instructing the server to obtain the standard pricing rules, the customer coefficient, and the enterprise coefficient according to the query instruction, and determine the pricing result according to the standard pricing rules, the customer coefficient, and the enterprise coefficient; the customer coefficient is used to represent the importance of the customer, and the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0031] The pricing result receiving module is used to receive the pricing result.

[0032] In a fifth aspect, the present application further provides a computer device. The computer device includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0033] Receiving a query instruction sent by a user terminal;

[0034] Obtain standard pricing rules, customer coefficients, and enterprise coefficients based on query instructions;

[0035] The pricing results are determined based on standard pricing rules, customer coefficients, and enterprise coefficients; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0036] Send the pricing result to the user terminal.

[0037] In a sixth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the following steps:

[0038] Receiving a query instruction sent by a user terminal;

[0039] Obtain standard pricing rules, customer coefficients, and enterprise coefficients based on query instructions;

[0040] The pricing results are determined based on standard pricing rules, customer coefficients, and enterprise coefficients; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0041] Send the pricing result to the user terminal.

[0042] In a seventh aspect, the present application further provides a computer program product. The computer program product includes a computer program, which, when executed by a processor, implements the following steps:

[0043] Receiving a query instruction sent by a user terminal;

[0044] Obtain standard pricing rules, customer coefficients, and enterprise coefficients based on query instructions;

[0045] The pricing results are determined based on standard pricing rules, customer coefficients, and enterprise coefficients; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0046] Send the pricing result to the user terminal.

[0047] This application provides a pricing method, apparatus, computer device, storage medium, and program product that can be applied in the field of big data, finance, or other fields, without limitation. In the pricing method provided herein, a server can receive a query instruction sent by a user terminal, obtain standard pricing rules based on the query instruction, and determine the customer coefficient and enterprise coefficient that affect the user's pricing result. Finally, the server can determine the user's pricing result based on the obtained standard pricing rules, customer coefficient, and enterprise coefficient, and return the pricing result to the user terminal. As can be seen, when determining the user's pricing result, this application takes into account the impact of different customers on the user's pricing result and the impact of the user's bank on the user's pricing result, making the user's pricing result more objective and accurate, and improving pricing accuracy. Furthermore, in this application, the server can perform automated pricing based on the query instruction of the user terminal. Compared to the prior art where users manually calculate pricing results, the pricing method provided by this application avoids the influence of human factors, improving pricing efficiency and accuracy. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] Figure 1 A diagram showing an application environment of a pricing method in one embodiment;

[0049] Figure 2 1 is a flow chart of a pricing method in one embodiment;

[0050] Figure 3 is another flowchart of a pricing method in one embodiment;

[0051] Figure 4 Schematic representation of the mapping between preset customer categories, customer resource change information and customer coefficients in one embodiment;

[0052] Figure 5 Schematic diagram of the mapping between the ranking of daily average network resources, the ranking of daily average per capita resources, and the enterprise coefficient in one embodiment;

[0053] Figure 6 is another flowchart of a pricing method in one embodiment;

[0054] Figure 7 is another flowchart of a pricing method in one embodiment;

[0055] Figure 8 is another flowchart of a pricing method in one embodiment;

[0056] Figure 9 is another flowchart of a pricing method in one embodiment;

[0057] Figure 10is another flowchart of a pricing method in one embodiment;

[0058] Figure 11 is another flowchart of a pricing method in one embodiment;

[0059] Figure 12 is another flowchart of a pricing method in one embodiment;

[0060] Figure 13 is a structural block diagram of a pricing device in one embodiment;

[0061] Figure 14 is another structural block diagram of a pricing device in one embodiment;

[0062] Figure 15 is a diagram of the internal structure of a computer device in one embodiment;

[0063] Figure 16 FIG. 4 is another internal structure diagram of a computer device in one embodiment. DETAILED DESCRIPTION

[0064] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0065] The pricing method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown, user terminal 102 communicates with server 104 via a network. A data storage system can store data that server 104 needs to process. The data storage system can be integrated with server 104 or placed in the cloud or on other network servers. Terminal 102 can be, but is not limited to, various personal computers, laptops, smartphones, tablet computers, etc. Server 104 can be implemented as a standalone server or a server cluster consisting of multiple servers.

[0066] In the existing technology, when determining their own marketing pricing results, marketers often refer to the different pricing standards of each bank to manually calculate their own marketing pricing results. As can be seen, there are still problems with low pricing efficiency and inaccurate pricing results.

[0067] Based on this, the present application provides a pricing method, apparatus, computer equipment, storage medium and program product, which can take into account the different impacts of different customers and different banks on the marketing pricing results of marketers, and realize automated pricing when calculating the marketing pricing results, thereby improving pricing efficiency and accuracy. Figure 2A flowchart of a pricing method provided in an embodiment of the present application, wherein the method is applied to Figure 1 The following steps are used as an example to illustrate the server in the example:

[0068] S201: Receive a query instruction sent by a user terminal.

[0069] The query instruction may include at least one of a customer identifier, a product identifier, and a time range. For example, when the query instruction includes a customer identifier, the user can query the marketing pricing results brought to the user by all financial products marketed to the customers corresponding to the customer identifier; when the query instruction includes a product identifier, the user can query the marketing pricing results brought to the user by all financial products marketed to the customer corresponding to the customer identifier; when the query instruction includes a time range, the user can query the marketing pricing results brought to the user by all financial products marketed to the user within the time range; when the query instruction includes a customer identifier and a product identifier, the user can query the marketing pricing results brought to the user by all financial products marketed to the customers corresponding to the customer identifier within the time range; when the query instruction includes a customer identifier and a time range, the user can query the marketing pricing results brought to the user by all financial products marketed to the customers corresponding to the customer identifier within the time range; when the query instruction includes a product identifier and a time range, the user can query the marketing pricing results brought to the user by all financial products marketed to the customers corresponding to the customer identifier within the time range; when the query instruction includes a customer identifier, a product identifier and a time range, the user can query the marketing pricing results brought to the user by all financial products marketed to the customers corresponding to the customer identifier within the time range;

[0070] In a specific implementation, the server may first receive a query instruction sent by the user terminal, then parse the query instruction, and determine the parameters that the user needs to query based on the parsing result.

[0071] S202. Obtain standard pricing rules, customer coefficients, and enterprise coefficients according to the query instruction; the customer coefficient is used to represent the importance of the customer; and the enterprise coefficient is used to represent the competitiveness of the enterprise.

[0072] The customer coefficient refers to the impact of different customers on the user's pricing results and is used to indicate the importance of the customer. The more important the customer, the larger the customer coefficient. The enterprise coefficient refers to the impact of the user's bank on the user's pricing results and is used to indicate the bank's competitiveness. The larger the enterprise coefficient, the more competitive the user's bank.

[0073] In a specific implementation, upon receiving a query instruction, the server can first retrieve the locally stored standard pricing rules. It then parses the query instruction to determine the parameters the user is seeking. Based on the parameters, the server then determines the specific customer coefficient and enterprise coefficient according to the customer coefficient rules and enterprise coefficient rules.

[0074] Among them, the standard pricing rules can be shown in Table 1 below:

[0075] Table 1

[0076]

[0077]

[0078]

[0079] S203. Determine the pricing result according to the standard pricing rules, the customer coefficient, and the enterprise coefficient.

[0080] In a specific implementation, after obtaining the standard pricing rules, customer coefficients and enterprise coefficients corresponding to the parameters that the user needs to query, the server can perform mathematical operations based on the standard pricing, customer coefficients and enterprise coefficients in the above standard pricing rules to obtain the user's pricing results.

[0081] For example, if the parameter that the user needs to query is the customer ID, when the server calculates the user's pricing result based on the standard pricing, customer coefficient and enterprise coefficient in the standard pricing rules, the standard pricing should include the standard pricing corresponding to all financial products purchased by the customer corresponding to the customer ID; if the parameter that the user needs to query is the product ID, when the server calculates the user's pricing result based on the standard pricing, customer coefficient and enterprise coefficient in the standard pricing rules, the customer coefficient should include the customer coefficients of all customers who have purchased the financial products corresponding to the product ID from the user; if the parameter that the user needs to query is the time range, when the server calculates the user's pricing result based on the standard pricing, customer coefficient and enterprise coefficient in the standard pricing rules, the customer coefficient should include the customer coefficients of all customers who have purchased financial products from the user within the time range, and the standard pricing should include the standard pricing corresponding to all financial products purchased by each customer.

[0082] S204: Send the pricing result to the user terminal.

[0083] In a specific implementation, after the server calculates the pricing result that the user needs to query, it can return the pricing result to the user terminal to display the final pricing result to the user.

[0084] In the pricing method provided by the present application, the server can receive a query instruction sent by the user terminal, obtain the standard pricing rules according to the query instruction, and determine the customer coefficient and enterprise coefficient that affect the user's pricing result. Finally, the server can determine the user's pricing result based on the obtained standard pricing rules, customer coefficient and enterprise coefficient, and return the pricing result to the user terminal. It can be seen that when determining the user's pricing result, the present application takes into account the impact of different customers on the user's pricing result and the impact of the user's bank on the user's pricing result, making the user's pricing result more objective and accurate, and improving the pricing accuracy. Moreover, the server in the present application can realize automatic pricing according to the query instruction of the user terminal. Compared with the prior art in which users manually calculate the pricing results, the pricing method provided by the present application avoids the influence of human factors and improves pricing efficiency and pricing accuracy.

[0085] The embodiment described above introduces a scheme for obtaining a customer coefficient and an enterprise coefficient according to a query instruction. In another embodiment of the present application, the relevant information of the target customer and the user's bank can be determined first, and then the customer coefficient and the enterprise coefficient can be determined based on the relevant information. For example, the "obtaining a customer coefficient and an enterprise coefficient according to a query instruction" mentioned above specifically includes the following: Figure 3 Steps shown:

[0086] S301. Determine target customer categories, target customer resource change information, target daily average network resources, and target daily average per capita resources according to a query instruction.

[0087] Target customer categories include private banking clients, six new marketing customer groups, six existing customer groups, other mid- to high-end customers (outside the six customer groups), and customers with assets to be increased (outside the six customer groups). Private banking clients are private banking clients; the six new marketing customer groups are customers who joined the six customer groups this month; the six existing customer groups are customers who were already in the six customer groups before this month; other mid- to high-end customers (outside the six customer groups) are customers outside the six customer groups with a monthly average daily balance greater than or equal to 50,000 and less than 1 million; and customers with assets to be increased (outside the six customer groups) are customers outside the six customer groups with a monthly average daily balance less than 50,000. The six customer groups can include payroll clients, wealth management clients, personal loan clients, legal persons, military personnel, and social security card holders. Among them, payroll customers are those with an average monthly payroll amount of more than 1,500 yuan this year; mid- to high-end individual customers are those with an average monthly daily balance of more than or equal to 50,000 yuan and less than 1 million yuan; wealth management customers are those with an average monthly daily balance of more than or equal to 1 million yuan and less than 6 million yuan; private banking customers in the same industry are those with an average monthly daily balance of more than or equal to 6 million yuan; personal loan customers are those with a loan amount greater than 0; legal persons include corporate legal persons, shareholders, financial directors, chairmen, general managers, etc.; and social security card customers are those who hold social security cards. The customer types of different customers are shown in Table 2 below:

[0088] Table 2

[0089]

[0090] The target customer resource change information is the change in the target customer's average daily assets for the current month compared to the average daily assets at the beginning of the month (i.e., January). The monthly average daily assets are the customer's average assets for the current month (i.e., the customer's total assets for the current month divided by the number of days in the current month). The target daily average network resources are the average daily assets generated by all branches of the customer's bank within a quarter. The target daily average per capita resources are the average daily assets generated by all customers of the customer's bank within a quarter.

[0091] In a specific implementation, after receiving the query instruction sent by the user terminal, the server can parse the query instruction and determine the parameters that the user needs to query. Then, based on the parameters that the user needs to query, the server can determine the target customer, and then determine the target customer category and target customer resource change information based on the target customer; based on the parameters that the user needs to query, the server can determine the target daily average network resources and target daily average per capita resources for the corresponding quarter.

[0092] In one possible implementation, when the parameter that the user needs to query is a customer identifier, the server can directly determine the target customer based on the customer identifier, and then determine the target customer category and target customer resource change information based on the target customer; when the parameter that the user needs to query is a product identifier, the server can first determine the customer who has purchased the financial product corresponding to the product identifier from the user, and determine the above customer as the target customer, and then determine the target customer category and target customer resource change information based on the target customer; when the parameter that the user needs to query is a time range, the server can first determine all customers who have purchased financial products from the user within the time range, and determine the above customer as the target customer, and then determine the target customer category and target customer resource change information based on the target customer.

[0093] In one possible implementation, since the corporate coefficients are different in different quarters, when the parameter that the user needs to query is the customer ID, the server can first determine the time when the customer corresponding to the customer ID purchased each financial product from the user, and determine the purchase quarter based on the purchase time of each financial product, and then determine the corporate coefficient corresponding to each financial product based on the purchase quarter of each financial product; when the parameter that the user needs to query is the product ID, the server can first determine the time when each customer purchased the financial product corresponding to the product ID from the user, and determine the purchase quarter based on the time when each customer purchased the financial product, and then determine the corporate coefficient corresponding to each financial product based on the quarter when each customer purchased the financial product; when the parameter that the user needs to query is a time range, the server can first determine the time when each customer purchased each financial product from the user within the time range, and determine the purchase quarter based on the time when each customer purchased each financial product, and then determine the corporate coefficient corresponding to each financial product based on the quarter when each customer purchased each financial product.

[0094] S302: Determine a customer coefficient based on target customer categories and target customer resource change information.

[0095] Among them, the target customer resource change information may include that the target customer's monthly average daily assets this month have decreased by more than 3% compared with the monthly average daily assets at the beginning of the year, the target customer's monthly average daily assets this month have decreased by no more than 3% compared with the monthly average daily assets at the beginning of the year, and have not increased by more than 3%, and the target customer's monthly average daily assets this month have increased by more than 3% compared with the monthly average daily assets at the beginning of the year.

[0096] In a specific implementation, the server can determine the customer coefficient of the target customer based on the target customer category, target customer resource change information, and the target customer's monthly and daily average assets according to a preset rule. Specifically, the customer coefficient corresponding to the target customer category or target customer resource change information can be determined based on a preset mapping table between customer categories, customer resource change information, and customer coefficients. The preset mapping table between customer categories, customer resource change information, and customer coefficients can be as follows: Figure 4 The coefficient in the table where the target customer's customer category row and the target customer's customer resource change information column intersect is the target customer's customer coefficient.

[0097] S303. Determine the enterprise coefficient based on the target daily average network resources and the target daily average per capita resources; the target daily average network resources are used to characterize the resource transfer capability of the network points, and the target daily average per capita resources are used to characterize the resource transfer capability of the users.

[0098] Among them, the target daily average network resources are the average daily assets brought to the bank by all branches of the target customer's bank during the quarter when the target customer purchases the financial product, which are used to represent the resource transfer capabilities of the branches; the target daily average per capita resources are the average daily assets brought to the bank by all users of the target customer's bank during the quarter when the target customer purchases the financial product, which are used to represent the user's resource transfer capabilities.

[0099] In a specific implementation, the server can determine the corresponding enterprise coefficient based on the ranking of the target daily average network resources among the competitors of the user's bank and the ranking of the target daily average per capita resources among the competitors of the user's bank according to preset rules. Specifically, the enterprise coefficient corresponding to the ranking of the target daily average network resources or the ranking of the target daily average per capita resources can be determined based on the mapping table between the preset ranking of the average daily network resources, the ranking of the average daily per capita resources and the enterprise coefficient. Among them, the mapping table between the preset ranking of the average daily network resources, the ranking of the average daily per capita resources and the enterprise coefficient can be as follows: Figure 5 The coefficient in the table where the row of the target daily average network resource ranking and the column of the target daily average per capita resource ranking intersect is the enterprise coefficient.

[0100] The method provided in the embodiment of the present application can determine the customer coefficient and the enterprise coefficient based on the target customer category, target customer resource change information, target daily average network resources and target daily average per capita resources determined by the query instruction. It can be seen that the present application can take into account the impact of different customers on the user's pricing results and the impact of the user's bank on the user's pricing results, thereby determining the user's pricing results, making the user's pricing results more objective and accurate, and improving the pricing accuracy.

[0101] The aforementioned embodiment introduces a scheme for determining the target customer category based on a query instruction. In another embodiment of the present application, the query instruction includes a target customer identifier, and the server can determine the target customer category corresponding to the target customer identifier based on the recorded correspondence between the customer identifier and the customer category. For example, the aforementioned "determining the target customer category based on the query instruction" specifically includes:

[0102] According to the preset correspondence between the customer identifier and the customer category, the target customer category corresponding to the target customer identifier is determined.

[0103] In a specific implementation, when a customer conducts business at a bank, the server can record each customer's customer ID and other relevant information (including the customer's financial asset information), and determine the customer category of the customer based on the other relevant information. Furthermore, based on each customer's customer ID and the determined customer category, a correspondence between the customer ID and the customer category is established and stored locally on the server. When the server needs to determine the target customer category corresponding to the target customer ID, it can directly query the target customer category corresponding to the target customer ID based on the locally stored correspondence between the customer ID and the customer category.

[0104] The correspondence between the customer identifier and the customer category is updated in real time, and the server can determine the target customer category corresponding to the target customer identifier based on the updated correspondence. Figure 6 Steps shown:

[0105] S601: Determine target customer resource change information corresponding to the target customer identifier.

[0106] In a specific implementation, the server may determine the target client resource change information corresponding to the target client identifier every preset time (eg, one month); or may determine the target client resource change information corresponding to the target client identifier each time a query instruction is received from the user terminal.

[0107] S602: Update the correspondence between the customer identifier and the customer category according to the target customer resource change information.

[0108] In a specific implementation, the server can determine the current assets of the target customer based on the target customer's resource change information, and then determine the current customer category of the target customer based on the target customer's current assets. If the customer category of the target customer remains unchanged, there is no need to update the correspondence between the customer identifier and the customer category; if the customer category of the target customer changes, the customer category corresponding to the target customer in the correspondence will be replaced with the target customer's current customer category, thereby realizing the update of the correspondence between the customer identifier and the customer category.

[0109] S603: Determine the target customer category corresponding to the target customer identifier according to the updated correspondence between the customer identifier and the customer category.

[0110] In a specific implementation, when the server needs to determine the target customer category corresponding to the target customer identifier, it can first update the correspondence between the customer identifier and the customer category, and then query the target customer category corresponding to the target customer identifier based on the updated correspondence between the customer identifier and the customer category.

[0111] The method provided in the embodiments of the present application can update the correspondence between customer identifiers and customer categories, and determine the customer category corresponding to the target customer identifier based on the updated correspondence between the customer identifiers and customer categories. Thus, the present application can first establish a correspondence between the customer identifiers and customer categories, and then determine the customer category corresponding to the target customer based on this correspondence, thereby improving the accuracy of the determined customer category. Furthermore, the present application can also update this correspondence, further improving the accuracy of the determined customer category.

[0112] The embodiment described above introduces a scheme for determining target customer resource change information based on a query instruction. In another embodiment of the present application, the query instruction includes a target customer identifier, and the server can determine the target customer resource change information corresponding to the target customer identifier based on the target customer's current monthly average daily assets and the monthly average daily assets at the beginning of the year. For example, the "determining target customer resource change information based on a query instruction" mentioned above specifically includes the following: Figure 7 Steps shown:

[0113] S701: Determine the current month's average daily assets and the beginning of the year's average daily assets of the target customer corresponding to the target customer ID.

[0114] S702: Determine the difference between the target customer's current monthly average daily assets and the target customer's monthly average daily assets at the beginning of the year as the target customer's resource change information.

[0115] In a specific implementation, before the server determines the target customer's resource change information according to the query instruction, it can first determine the target customer's average daily assets in the current month (i.e., this month) (i.e., the assets in this month divided by the number of days in this month) and the average daily assets in the first month at the beginning of the year for the target customer corresponding to the target customer identifier, and then perform a difference calculation on the target customer's average daily assets in the current month and the average daily assets in the month at the beginning of the year to obtain the target customer's resource change information.

[0116] The above-mentioned embodiment introduces a scheme for determining the target daily average network resources according to the query instruction. In another embodiment of the present application, the server can determine the daily average network resources of the bank according to the resources and number of branches of the bank where the user is located. For example, the above-mentioned "determining the target daily average network resources according to the query instruction" specifically includes the following: Figure 8 Steps shown:

[0117] S801. Obtain resource information of a target enterprise within a preset time period according to a query instruction.

[0118] S802: Determine the target daily average network resources based on the resource information of the target enterprise, the preset time period, and the number of outlets corresponding to the target enterprise.

[0119] The preset time period may be one month, one quarter, or one year, and this application does not impose any limitation thereto. Preferably, the preset time period may be one quarter. The target enterprise is the enterprise where the user is located, that is, the bank where the user is located.

[0120] In specific implementations, after receiving the query command, the server can directly obtain all of the bank's assets for that quarter, which is the target enterprise's resource information. The server can then divide the bank's assets for that quarter by the number of days in that quarter and the number of branches. This calculation calculates the average daily assets generated by all of the bank's branches, which is the target daily average network resources.

[0121] The embodiment described above introduces a scheme for determining the target daily average per capita resources based on the query instruction. In another embodiment of the present application, the server can determine the daily average per capita resources of the bank based on the resources and number of users of the bank where the user is located. For example, the "determining the target daily average per capita resources based on the query instruction" mentioned above specifically includes the following: Figure 9 Steps shown:

[0122] S901. Obtain resource information of a target enterprise within a preset time period according to a query instruction.

[0123] S902: Determine the target daily average per capita resources based on the resource information of the target enterprise, the preset time period, and the number of users corresponding to the target enterprise.

[0124] The preset time period may be one month, one quarter, or one year, and this application does not impose any limitation thereto. Preferably, the preset time period may be one quarter. The target enterprise is the enterprise where the user is located, that is, the bank where the user is located.

[0125] In specific implementations, after receiving the query command, the server can directly obtain all of the bank's assets for that quarter, which is the target enterprise's resource information. The server can then divide the bank's total assets for that quarter by the number of days in that quarter and the number of customers it has. This calculation calculates the average daily assets contributed by all of the bank's customers, which is the target daily average per capita resources.

[0126] The embodiment described above introduces a scheme for determining the pricing result based on the standard pricing rules, customer coefficients, and enterprise coefficients. In another embodiment of the present application, the product of the standard pricing value in the standard pricing rules, the customer coefficient, and the enterprise coefficient can be determined as the pricing result. For example, the "determining the pricing result based on the standard pricing rules, customer coefficients, and enterprise coefficients" mentioned above specifically includes the following: Figure 10 Steps shown:

[0127] S1001. Determine the standard valuation value according to the standard valuation rules.

[0128] S1002. Determine the product of the standard valuation value, the customer coefficient, and the enterprise coefficient as the valuation result.

[0129] In a specific implementation, the server can first determine all financial products purchased by the customer based on the parameters requested by the user in the query instruction. Then, based on the standard pricing rules, the server can determine the standard pricing value corresponding to each financial product. Finally, the product of the standard pricing value, the customer coefficient, and the enterprise coefficient corresponding to each financial product is used to determine the pricing result for that financial product. Based on all financial products corresponding to the user's query parameters, the customer coefficient, and the enterprise coefficient corresponding to each financial product, the pricing result for the user can be determined.

[0130] Figure 11 A flow chart of another pricing method provided in an embodiment of the present application, in which the method is applied to Figure 1 The following steps are used as an example to illustrate the terminal in the figure:

[0131] S1101: Generate a query instruction according to a user's input instruction.

[0132] The query instruction may include at least one of a customer identifier, a product identifier, and a time range.

[0133] In a specific implementation, the terminal may first accept the instruction input by the user on the display interface, parse the input instruction, determine the parameters contained in the input instruction that the user needs to query, and then generate a query instruction based on the parsed parameters that the user needs to query.

[0134] In a possible implementation, the terminal may not parse the input instruction, but directly change the format of the input instruction into a format of an output instruction, thereby generating a query instruction corresponding to the input instruction.

[0135] S1102. Send a query instruction to the server to instruct the server to obtain the standard pricing rules, customer coefficient and enterprise coefficient according to the query instruction, and determine the pricing result according to the standard pricing rules, customer coefficient and enterprise coefficient; the customer coefficient is used to represent the importance of the customer, and the enterprise coefficient is used to represent the competitiveness of the enterprise.

[0136] The customer coefficient refers to the impact of different customers on the user's pricing results and is used to indicate the customer's importance. The more important the customer, the larger the customer coefficient. The enterprise coefficient refers to the impact of the user's bank on the user's pricing results and is used to indicate the bank's competitiveness. The larger the enterprise coefficient, the more competitive the user's bank. The standard pricing rules can be shown in Table 1 above.

[0137] In the specific implementation, after generating a query instruction, the terminal can send the query instruction to the server to instruct the server to obtain the standard pricing rules stored locally, parse the query instruction, determine the parameters that the user needs to query, and based on the parameters that the user needs to query, determine the specific customer coefficient and enterprise coefficient according to the customer coefficient rules and the enterprise coefficient rules, and perform mathematical operations based on the standard pricing, customer coefficient and enterprise coefficient in the above-mentioned standard pricing rules to obtain the user's pricing result.

[0138] S1103. Receive pricing results.

[0139] In a specific implementation, the user terminal may receive the user's pricing result sent by the server and display it on a display interface to show the user the final pricing result.

[0140] In the pricing method provided by the present application, the user terminal can send a query instruction to the server to instruct the server to obtain the standard pricing rules according to the query instruction, determine the customer coefficient and enterprise coefficient that affect the user's pricing result, determine the user's pricing result based on the obtained standard pricing rules, customer coefficient and enterprise coefficient, and receive the pricing result returned by the user terminal. It can be seen that when determining the user's pricing result, the present application takes into account the impact of different customers on the user's pricing result and the impact of the user's bank on the user's pricing result, making the user's pricing result more objective and accurate, and improving the pricing accuracy. Moreover, in the present application, after the user enters the instruction in the user terminal, the user terminal sends a query instruction to the server, instructing the server to perform automatic pricing according to the query instruction of the user terminal. Compared with the prior art in which the user manually calculates the pricing result, the pricing method provided by the present application avoids the influence of human factors and improves pricing efficiency and pricing accuracy.

[0141] refer to Figure 12 , Figure 12 Another flowchart of the pricing method provided in the embodiment of the present application specifically includes the following steps:

[0142] S1201. Obtain standard pricing rules, target customer categories, target customer resource change information, target daily average network resources, and target daily average per capita resources according to the query instruction;

[0143] S1202. Determine the standard valuation value corresponding to each financial product according to the standard valuation rules;

[0144] S1203, determining a customer coefficient based on target customer categories and target customer resource change information;

[0145] S1204. Determine the enterprise coefficient based on the target daily average network resources and the target daily average per capita resources;

[0146] S1205. Determine the user's pricing result based on the standard pricing value, the customer coefficient, and the enterprise coefficient.

[0147] It should be understood that, although the various steps in the flowcharts involved in the various embodiments described above are displayed in sequence according to the instructions of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowcharts involved in the various embodiments described above can include multiple steps or multiple stages, and these steps or stages are not necessarily executed and completed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0148] Based on the same inventive concept, the present application also provides a pricing device for implementing the pricing method described above. The solution provided by this device is similar to the solution described in the method described above. Therefore, the specific limitations of one or more pricing device embodiments provided below can be found in the above-mentioned limitations of the pricing method and will not be repeated here.

[0149] In one embodiment, Figure 13 As shown, a pricing device is provided, comprising: a query instruction receiving module, an acquisition module, a determination module and a sending module, wherein:

[0150] The query instruction receiving module 1301 is used to receive the query instruction sent by the user terminal;

[0151] An acquisition module 1302 is configured to acquire a standard pricing rule, a customer coefficient, and an enterprise coefficient according to the query instruction; the customer coefficient is used to represent the importance of the customer; and the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0152] Determination module 1303, configured to determine a pricing result according to the standard pricing rule, the customer coefficient, and the enterprise coefficient;

[0153] The sending module 1304 is configured to send the pricing result to the user terminal.

[0154] In one embodiment, the acquisition module 1302 is specifically used to determine the target customer category, target customer resource change information, target daily average network resources and target daily average per capita resources based on the query instruction; determine the customer coefficient based on the target customer category and target customer resource change information; determine the enterprise coefficient based on the target daily average network resources and target daily average per capita resources; the target daily average network resources are used to characterize the resource transfer capability of the outlets, and the target daily average per capita resources are used to characterize the resource transfer capability of the users.

[0155] In one embodiment, based on the above embodiment, the query instruction includes a target customer identifier, and determining the target customer category according to the query instruction includes: determining the target customer category corresponding to the target customer identifier according to a preset correspondence between the customer identifier and the customer category.

[0156] In one embodiment, the pricing method further includes: determining target customer resource change information corresponding to the target customer identifier; updating the correspondence between the customer identifier and the customer category based on the target customer resource change information; and determining the target customer category corresponding to the target customer identifier based on the correspondence between the updated customer identifier and the customer category.

[0157] In one embodiment, based on the above embodiment, the query instruction includes a target customer identifier, and the target customer resource change information is determined according to the query instruction, including: determining the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer corresponding to the target customer identifier; and determining the difference between the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer as the target customer resource change information.

[0158] In one embodiment, based on the above embodiment, the target daily average network resources are determined according to the query instruction, including: obtaining the resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average network resources based on the resource information of the target enterprise, the preset time period and the number of outlets corresponding to the target enterprise.

[0159] In one embodiment, based on the above embodiment, the target daily average per capita resources are determined according to the query instruction, including: obtaining the resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average per capita resources based on the resource information of the target enterprise, the preset time period and the number of users corresponding to the target enterprise.

[0160] In one embodiment, based on the above embodiment, the customer coefficient is determined according to the target customer category and the target customer resource change information, including: determining the customer coefficient corresponding to the target customer category or the target customer resource change information according to a preset mapping table between the customer category, the customer resource change information and the customer coefficient.

[0161] In one embodiment, based on the above embodiment, the enterprise coefficient is determined according to the daily average network resources and the daily average per capita resources, including: determining the enterprise coefficient corresponding to the target daily average network resource ranking or the target daily average per capita resource ranking according to a preset mapping table between the daily average network resource ranking, the daily average per capita resource ranking and the enterprise coefficient; the daily average network resource ranking is the ranking of the target enterprise's daily average network resources among its competitors; the daily average per capita resource ranking is the ranking of the bank's daily average per capita resources among its competitors.

[0162] In one embodiment, the determination module 1303 is specifically configured to determine the standard pricing value according to the standard pricing rule; and determine the product of the standard pricing value, the customer coefficient, and the enterprise coefficient as the pricing result.

[0163] In one embodiment, Figure 14 As shown, a pricing device is provided, comprising: a generating module, an indicating module and a pricing result receiving module, wherein:

[0164] Generating module 1401, used to generate a query instruction according to a user's input instruction;

[0165] Instruction module 1402 is configured to send the query instruction to the server, instructing the server to obtain standard pricing rules, customer coefficients, and enterprise coefficients according to the query instruction, and determine a pricing result based on the standard pricing rules, customer coefficients, and enterprise coefficients; the customer coefficients are used to represent the importance of the customer, and the enterprise coefficients are used to represent the competitiveness of the enterprise;

[0166] The pricing result receiving module 1403 is configured to receive the pricing result.

[0167] Each module in the pricing device described above may be implemented in whole or in part through software, hardware, or a combination thereof. Each module may be embedded in or independent of a processor in a computer device in the form of hardware, or may be stored in a memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each module.

[0168] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 15 As shown. The computer device includes a processor, a memory and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store some data related to the pricing method described in the embodiment of the present application, such as the customer coefficient, enterprise coefficient, pricing results, etc. mentioned above. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a pricing method is implemented.

[0169] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 16 As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a pricing method is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad provided on the computer device housing, or an external keyboard, touchpad or mouse.

[0170] Those skilled in the art will understand that Figure 15 and Figure 16The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0171] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0172] Receiving a query instruction sent by a user terminal;

[0173] Obtain standard pricing rules, customer coefficients, and enterprise coefficients based on query instructions; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0174] Determine pricing results based on standard pricing rules, customer coefficients, and enterprise coefficients;

[0175] Send the pricing result to the user terminal.

[0176] In one embodiment, when the processor executes the computer program, the following steps are also implemented: determining the target customer category, target customer resource change information, target daily average network resources and target daily average per capita resources according to the query instruction; determining the customer coefficient according to the target customer category and target customer resource change information; determining the enterprise coefficient according to the target daily average network resources and target daily average per capita resources; the target daily average network resources are used to characterize the resource transfer capability of the outlets, and the target daily average per capita resources are used to characterize the resource transfer capability of the users.

[0177] In one embodiment, the query instruction includes a target customer identifier, and when the processor executes the computer program, the processor further implements the following steps: determining the target customer category corresponding to the target customer identifier based on a preset correspondence between the customer identifier and the customer category.

[0178] In one embodiment, when the processor executes the computer program, the processor further implements the following steps: determining target customer resource change information corresponding to the target customer identifier; updating the correspondence between the customer identifier and the customer category based on the target customer resource change information; and determining the target customer category corresponding to the target customer identifier based on the updated correspondence between the customer identifier and the customer category.

[0179] In one embodiment, the query instruction includes a target customer identifier, and when the processor executes the computer program, the following steps are further implemented: determining the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer corresponding to the target customer identifier; and determining the difference between the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer as the target customer resource change information.

[0180] In one embodiment, when the processor executes the computer program, it further implements the following steps: obtaining resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average network resources based on the resource information of the target enterprise, the preset time period and the number of outlets corresponding to the target enterprise.

[0181] In one embodiment, when the processor executes the computer program, it further implements the following steps: obtaining resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average per capita resources based on the resource information of the target enterprise, the preset time period and the number of users corresponding to the target enterprise.

[0182] In one embodiment, when the processor executes the computer program, it further implements the following steps: determining the customer coefficient corresponding to the target customer category or target customer resource change information according to a preset mapping table between customer categories, customer resource change information and customer coefficients.

[0183] In one embodiment, when the processor executes the computer program, the following steps are also implemented: according to a preset mapping table between the ranking of daily average network resources, the ranking of daily average per capita resources and the enterprise coefficient, the enterprise coefficient corresponding to the target daily average network resources ranking or the target daily average per capita resource ranking is determined; the ranking of daily average network resources is the ranking of the target enterprise's daily average network resources among its competitors; the ranking of daily average per capita resources is the ranking of the bank's daily average per capita resources among its competitors.

[0184] In one embodiment, when the processor executes the computer program, the following steps are further implemented: determining a standard pricing value according to a standard pricing rule; and determining a product of the standard pricing value, a customer coefficient, and an enterprise coefficient as a pricing result.

[0185] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0186] Receiving a query instruction sent by a user terminal;

[0187] Obtain standard pricing rules, customer coefficients, and enterprise coefficients based on query instructions; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0188] Determine pricing results based on standard pricing rules, customer coefficients, and enterprise coefficients;

[0189] Send the pricing result to the user terminal.

[0190] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: determining the target customer category, target customer resource change information, target daily average network resources and target daily average per capita resources according to the query instruction; determining the customer coefficient according to the target customer category and target customer resource change information; determining the enterprise coefficient according to the target daily average network resources and target daily average per capita resources; the target daily average network resources are used to characterize the resource transfer capability of the outlets, and the target daily average per capita resources are used to characterize the resource transfer capability of the users.

[0191] In one embodiment, the query instruction includes a target customer identifier, and when the computer program is executed by the processor, the following steps are further implemented: determining the target customer category corresponding to the target customer identifier based on a preset correspondence between the customer identifier and the customer category.

[0192] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining target customer resource change information corresponding to the target customer identifier; updating the correspondence between the customer identifier and the customer category based on the target customer resource change information; and determining the target customer category corresponding to the target customer identifier based on the updated correspondence between the customer identifier and the customer category.

[0193] In one embodiment, the query instruction includes a target customer identifier, and when the computer program is executed by a processor, the following steps are also implemented: determining the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer corresponding to the target customer identifier; and determining the difference between the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer as the target customer resource change information.

[0194] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average network resources based on the resource information of the target enterprise, the preset time period and the number of outlets corresponding to the target enterprise.

[0195] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average per capita resources based on the resource information of the target enterprise, the preset time period and the number of users corresponding to the target enterprise.

[0196] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: determining the customer coefficient corresponding to the target customer category or the target customer resource change information according to a preset mapping table between customer categories, customer resource change information and customer coefficients.

[0197] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: according to a preset mapping table between the ranking of daily average network resources, the ranking of daily average per capita resources and the enterprise coefficient, the enterprise coefficient corresponding to the ranking of the target daily average network resources or the ranking of the target daily average per capita resources is determined; the ranking of daily average network resources is the ranking of the target enterprise's daily average network resources among its competitors; the ranking of daily average per capita resources is the ranking of the bank's daily average per capita resources among its competitors.

[0198] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: determining a standard pricing value according to a standard pricing rule; and determining the product of the standard pricing value, the customer coefficient, and the enterprise coefficient as a pricing result.

[0199] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0200] Receiving a query instruction sent by a user terminal;

[0201] Obtain standard pricing rules, customer coefficients, and enterprise coefficients based on query instructions; the customer coefficient is used to represent the importance of the customer; the enterprise coefficient is used to represent the competitiveness of the enterprise;

[0202] Determine pricing results based on standard pricing rules, customer coefficients, and enterprise coefficients;

[0203] Send the pricing result to the user terminal.

[0204] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: determining the target customer category, target customer resource change information, target daily average network resources and target daily average per capita resources according to the query instruction; determining the customer coefficient according to the target customer category and target customer resource change information; determining the enterprise coefficient according to the target daily average network resources and target daily average per capita resources; the target daily average network resources are used to characterize the resource transfer capability of the outlets, and the target daily average per capita resources are used to characterize the resource transfer capability of the users.

[0205] In one embodiment, the query instruction includes a target customer identifier, and when the computer program is executed by the processor, the following steps are further implemented: determining the target customer category corresponding to the target customer identifier based on a preset correspondence between the customer identifier and the customer category.

[0206] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining target customer resource change information corresponding to the target customer identifier; updating the correspondence between the customer identifier and the customer category based on the target customer resource change information; and determining the target customer category corresponding to the target customer identifier based on the updated correspondence between the customer identifier and the customer category.

[0207] In one embodiment, the query instruction includes a target customer identifier, and when the computer program is executed by a processor, the following steps are also implemented: determining the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer corresponding to the target customer identifier; and determining the difference between the current monthly average daily assets and the monthly average daily assets at the beginning of the year of the target customer as the target customer resource change information.

[0208] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average network resources based on the resource information of the target enterprise, the preset time period and the number of outlets corresponding to the target enterprise.

[0209] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: obtaining resource information of the target enterprise within a preset time period according to the query instruction; determining the target daily average per capita resources based on the resource information of the target enterprise, the preset time period and the number of users corresponding to the target enterprise.

[0210] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: determining the customer coefficient corresponding to the target customer category or the target customer resource change information according to a preset mapping table between customer categories, customer resource change information and customer coefficients.

[0211] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: according to a preset mapping table between the ranking of daily average network resources, the ranking of daily average per capita resources and the enterprise coefficient, the enterprise coefficient corresponding to the ranking of the target daily average network resources or the ranking of the target daily average per capita resources is determined; the ranking of daily average network resources is the ranking of the target enterprise's daily average network resources among its competitors; the ranking of daily average per capita resources is the ranking of the bank's daily average per capita resources among its competitors.

[0212] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: determining a standard pricing value according to a standard pricing rule; and determining the product of the standard pricing value, the customer coefficient, and the enterprise coefficient as a pricing result.

[0213] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0214] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory may include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, distributed databases based on blockchains. The processor involved in the various embodiments provided herein may be, but are not limited to, a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, and the like.

[0215] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0216] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A pricing method, characterized in that: The method comprises: Receiving a query instruction sent by a user terminal; Obtaining standard pricing rules, customer coefficients, and enterprise coefficients according to the query instruction; the customer coefficient is used to represent the importance of the customer; and the enterprise coefficient is used to represent the competitiveness of the enterprise; Determine the pricing result according to the standard pricing rules, customer coefficient and enterprise coefficient; Sending the pricing result to the user terminal; Obtaining the standard pricing rules, customer coefficients, and enterprise coefficients according to the query instruction includes: Obtain the standard pricing rules stored locally, parse the query instruction, determine the parameters that the user needs to query, and determine the customer coefficient and the enterprise coefficient respectively based on the parameters that the user needs to query according to the customer coefficient rule and the enterprise coefficient rule; The pricing results determined based on the standard pricing rules, customer coefficients, and enterprise coefficients include: Mathematical operations are performed based on the standard pricing rules, customer coefficients, and enterprise coefficients to determine the pricing results. If the parameter that the user needs to query is a product identifier, then when calculating the user's pricing result based on the standard pricing rules, customer coefficients, and enterprise coefficients, the customer coefficient includes the customer coefficients of all customers who have purchased financial products corresponding to the product identifier; if the parameter that the user needs to query is a time range, then when calculating the user's pricing result based on the standard pricing in the standard pricing rules, customer coefficients, and enterprise coefficients, the customer coefficient includes the customer coefficients of all customers who have purchased financial products from the user within the time range, and the standard pricing includes the standard pricing corresponding to all financial products purchased by each customer.

2. The method according to claim 1, characterized in that The obtaining of the customer coefficient and the enterprise coefficient according to the query instruction includes: Determine the target customer category, target customer resource change information, target daily average network resources, and target daily average per capita resources according to the query instruction; Determining the customer coefficient according to the target customer category and the target customer resource change information; The enterprise coefficient is determined based on the target daily average network resources and the target daily average per capita resources; the target daily average network resources are used to characterize the resource transfer capability of the network points, and the target daily average per capita resources are used to characterize the resource transfer capability of the users.

3. The method according to claim 2, characterized in that The query instruction includes a target customer identifier, and determining the target customer category according to the query instruction includes: According to the preset correspondence between the customer identifier and the customer category, the target customer category corresponding to the target customer identifier is determined.

4. The method according to claim 3, characterized in that The method further comprises: Determining target customer resource change information corresponding to the target customer identifier; updating the correspondence between the customer identifier and the customer category according to the target customer resource change information; The determining the target customer category corresponding to the target customer identifier according to the preset correspondence between the customer identifier and the customer category includes: According to the updated correspondence between the customer identifier and the customer category, the target customer category corresponding to the target customer identifier is determined.

5. The method according to claim 2, characterized in that The query instruction includes a target customer identifier, and determining the target customer resource change information according to the query instruction includes: Determine the current month's average daily assets and the beginning of the year's average daily assets of the target customer corresponding to the target customer identifier; The difference between the target customer's current monthly average daily assets and the target customer's monthly average daily assets at the beginning of the year is determined as the target customer resource change information.

6. The method according to claim 2, characterized in that Determining the target daily average network resources according to the query instruction includes: Obtaining resource information of the target enterprise within a preset time period according to the query instruction; The target daily average network resources are determined according to the resource information of the target enterprise, the preset time period, and the number of outlets corresponding to the target enterprise.

7. The method according to claim 2, characterized in that Determining the target daily average per capita resources according to the query instruction includes: Obtaining resource information of the target enterprise within a preset time period according to the query instruction; The target daily average per capita resources are determined according to the resource information of the target enterprise, the preset time period, and the number of users corresponding to the target enterprise.

8. The method according to claim 2, characterized in that The determining the customer coefficient according to the target customer category and the target customer resource change information includes: According to a preset mapping table between customer categories, customer resource change information and customer coefficients, a customer coefficient corresponding to the target customer category or the target customer resource change information is determined.

9. The method according to claim 2, characterized in that Determining the enterprise coefficient based on the daily average network resources and the daily average per capita resources includes: According to the preset mapping table between the ranking of daily average network resources, the ranking of daily average per capita resources and the enterprise coefficient, the enterprise coefficient corresponding to the ranking of the target daily average network resources or the ranking of the target daily average per capita resources is determined; the ranking of daily average network resources is the ranking of the target enterprise's daily average network resources among its competitors; the ranking of daily average per capita resources is the ranking of the bank's daily average per capita resources among its competitors.

10. The method according to claim 1, characterized in that The determining of the pricing result according to the standard pricing rules, the customer coefficient and the enterprise coefficient includes: Determine the standard valuation value according to the standard valuation rules; The product of the standard valuation value, the customer coefficient, and the enterprise coefficient is determined as the valuation result.

11. A pricing method, characterized in that: The method comprises: Generate query instructions according to user input instructions; Sending the query instruction to the server to instruct the server to obtain a standard pricing rule, a customer coefficient, and an enterprise coefficient according to the query instruction, and determining a pricing result according to the standard pricing rule, the customer coefficient, and the enterprise coefficient; the customer coefficient is used to represent the importance of the customer, and the enterprise coefficient is used to represent the competitiveness of the enterprise; Wherein, obtaining the standard pricing rules, customer coefficients, and enterprise coefficients according to the query instruction includes: obtaining the standard pricing rules stored locally, parsing the query instruction, determining the parameters that the user needs to query, and determining the customer coefficient and the enterprise coefficient respectively according to the customer coefficient rules and the enterprise coefficient rules based on the parameters that the user needs to query; determining the pricing result according to the standard pricing rules, customer coefficients, and enterprise coefficients includes: performing mathematical operations according to the standard pricing rules, customer coefficients, and enterprise coefficients to determine the pricing result; if the parameter that the user needs to query is a product identifier, then when calculating the pricing result for the user based on the standard pricing rules, customer coefficients, and enterprise coefficients, the customer coefficients include the customer coefficients of all customers who have purchased the financial product corresponding to the product identifier; if the parameter that the user needs to query is a time range, then when calculating the pricing result for the user based on the standard pricing, customer coefficients, and enterprise coefficients in the standard pricing rules, the customer coefficients include the customer coefficients of all customers who have purchased financial products from the user within the time range, and the standard pricing includes the standard pricing corresponding to all financial products purchased by each customer; The pricing result is received.

12. A pricing device, characterized in that: The device comprises: A query instruction receiving module, used to receive a query instruction sent by a user terminal; an acquisition module, configured to acquire, according to the query instruction, a standard pricing rule, a customer coefficient, and an enterprise coefficient; the customer coefficient is used to characterize the importance of the customer; and the enterprise coefficient is used to characterize the competitiveness of the enterprise; A determination module, configured to determine a pricing result based on the standard pricing rules, the customer coefficient, and the enterprise coefficient; A sending module, configured to send the pricing result to the user terminal; The acquisition module is specifically configured to acquire the locally stored standard pricing rules, parse the query instruction, determine the parameters that the user needs to query, and determine the customer coefficient and the enterprise coefficient based on the parameters that the user needs to query according to the customer coefficient rule and the enterprise coefficient rule; The determination module is specifically used to perform mathematical operations based on the standard pricing rules, customer coefficients and enterprise coefficients to determine the pricing results. If the parameter that the user needs to query is a product identifier, then when calculating the user's pricing result based on the standard pricing rules, customer coefficients and enterprise coefficients, the customer coefficient includes the customer coefficients of all customers who have purchased financial products corresponding to the product identifier; if the parameter that the user needs to query is a time range, then when calculating the user's pricing result based on the standard pricing in the standard pricing rules, customer coefficients and enterprise coefficients, the customer coefficient includes the customer coefficients of all customers who have purchased financial products from the user within the time range, and the standard pricing includes the standard pricing corresponding to all financial products purchased by each customer.

13. A pricing device, characterized in that: The device comprises: A generation module, used to generate a query instruction according to the user's input instruction; An instruction module is used to send the query instruction to the server to instruct the server to obtain the standard pricing rules, customer coefficients and enterprise coefficients according to the query instruction, and determine the pricing results according to the standard pricing rules, customer coefficients and enterprise coefficients; the customer coefficients are used to characterize the importance of the customer, and the enterprise coefficients are used to characterize the competitiveness of the enterprise; wherein, obtaining the standard pricing rules, customer coefficients and enterprise coefficients according to the query instruction includes: obtaining the standard pricing rules stored locally, parsing the query instruction, determining the parameters that the user needs to query, and based on the parameters that the user needs to query, determining the customer coefficients and enterprise coefficients according to the customer coefficient rules and the enterprise coefficient rules respectively, and determining the pricing results according to the standard pricing rules, customer coefficients and enterprise coefficients. The pricing result is determined by the industry coefficient, including: performing mathematical operations according to the standard pricing rules, customer coefficients and enterprise coefficients to determine the pricing result. If the parameter that the user needs to query is the product identifier, then when calculating the user's pricing result based on the standard pricing rules, customer coefficients and enterprise coefficients, the customer coefficient includes the customer coefficients of all customers who have purchased the financial product corresponding to the product identifier; if the parameter that the user needs to query is the time range, then when calculating the user's pricing result based on the standard pricing in the standard pricing rules, customer coefficients and enterprise coefficients, the customer coefficient includes the customer coefficients of all customers who have purchased financial products from the user within the time range, and the standard pricing includes the standard pricing corresponding to all financial products purchased by each customer. The pricing result receiving module is used to receive the pricing result.

14. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 11 are implemented.

15. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

16. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

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