Bill transaction method, device, equipment and medium

Abstract

The present disclosure provides a bill transaction method, device, equipment and medium, which can be applied to the fields of financial technology and big data technology. The bill transaction method comprises: receiving a bill transaction request instruction sent by a first terminal; in response to the bill transaction request instruction, generating, for each bill, sub-transaction amount information of the bill according to face value amount information and discount information at a current time, wherein the sub-transaction amount information represents expected transaction amount information of the bill to be redeemed when the bill is traded at a target time; generating bill combination information according to the sub-transaction amount information, target transaction amount information and holding probability information; and in the case that confirmation information of the bill combination information sent by the first terminal is received, sending the bill combination information to a second terminal, so as to enable the first terminal and the second terminal to trade the bill.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the fields of big data technology and financial technology, and in particular, to a bill transaction method, device, equipment, medium and program product. BACKGROUND

[0002] The fractional bill is a kind of splitable bill, and the bill right can be equally assigned to multiple subjects, and each subject can enjoy the right to the bill at the same time. In the traditional bill transaction, since the face value of the bill represents the amount that can be used for transaction at the maturity of the bill, if the bill holder intends to use the bill with different maturity dates as a payment means to trade with the payee, generally, the transaction service party can pay the payee the face value of the bill only after the bill matures, which leads to a complex online bill transaction processing flow, long time consumption and low transaction processing efficiency. SUMMARY

[0003] In view of the above problems, the present disclosure provides a bill transaction method, device, equipment, medium and program product.

[0004] According to an aspect of the present disclosure, a bill transaction method is provided, comprising:

[0005] receiving a bill transaction request instruction sent by a first terminal, wherein the bill transaction request instruction comprises bill holding information of the first terminal and target transaction information, the target transaction information representing target transaction amount information expected to be redeemed when the first terminal performs bill transaction at a target time, and the bill holding information comprising bill information of a plurality of bills held by the first terminal, the bill information comprising face value information, discount information at a current time and bill holding probability information;

[0006] in response to the bill transaction request instruction, generating, for each bill, sub-transaction amount information of the bill according to the face value information and the discount information at the current time, wherein the sub-transaction amount information represents transaction amount information expected to be redeemed when the bill performs bill transaction at the target time;

[0007] generating bill combination information according to the sub-transaction amount information, the target transaction amount information and the bill holding probability information;

[0008] in a case where confirmation information of the first terminal sent for the bill combination information is received, sending the bill combination information to a second terminal, for the first terminal to perform bill transaction with the second terminal.

[0009] According to an embodiment of the present disclosure, the sub-transaction amount information of the bill is generated according to the face value information and the discount information at the current time, comprising:

[0010] inputting the discount information at the current time into a trained discount rate prediction model to output a discount rate of the bill at the target time;

[0011] According to the face value information and the discount rate of the target time, the sub-transaction amount information of the bill is generated.

[0012] According to an embodiment of the present disclosure, the training method of the discount rate prediction model comprises:

[0013] The historical discount information of the bill is obtained, wherein the historical discount information comprises historical discount rate time series data and historical financial indicator time series data for representing the influence on the discount rate of the bill;

[0014] The historical discount rate time series data and the historical financial indicator time series data for representing the influence on the discount rate of the bill are input into the initial model for training, to obtain the trained discount rate prediction model.

[0015] According to an embodiment of the present disclosure, the bill combination information is generated according to the sub-transaction amount information, the target transaction amount information and the holding probability information, comprising:

[0016] According to the target transaction amount information and the sub-transaction amount information, the bills are combined to obtain a plurality of to-be-traded bill combinations, wherein the total transaction amount of all bills in the to-be-traded bill combination is expected to be redeemed at the target time, and the target transaction amount;

[0017] According to the discount information of each bill in the to-be-traded bill combination at the current time, the transaction risk information of the to-be-traded bill combination is determined;

[0018] In the case where the transaction risk information meets the first preset condition, the target to-be-traded bill combination is determined from the plurality of to-be-traded bill combinations according to the holding probability information;

[0019] According to the target to-be-traded bill combination, the bill combination information is generated.

[0020] According to an embodiment of the present disclosure, the transaction risk information of the to-be-traded bill combination is determined according to the discount information of each bill in the to-be-traded bill combination at the current time, comprising:

[0021] According to the discount information of each bill in the to-be-traded bill combination at the current time, the discount rate variance of each bill is calculated;

[0022] According to the discount rate variance of each bill, the transaction risk information of the to-be-traded bill combination is determined.

[0023] According to an embodiment of the present disclosure, in the case where the transaction risk information meets the first preset condition, the target to-be-traded bill combination is determined from the plurality of to-be-traded bill combinations according to the holding probability information, comprising:

[0024] In a case where the transaction risk information meets the first preset condition, a total holding probability of the to-be-traded bill combination is calculated according to the holding probability information.

[0025] The to-be-traded bill combination is sorted according to the total holding probability to obtain a holding preference result.

[0026] According to the holding preference result, a target to-be-traded bill combination is determined from the plurality of to-be-traded bill combinations.

[0027] According to an embodiment of the present disclosure, the bill transaction method further includes:

[0028] In response to the transaction service request sent by the second terminal, in a case where it is determined that the bill combination information meets the second preset condition, a target transaction amount corresponding to the target transaction amount information is paid to the second terminal by the transaction service at a target time.

[0029] Another aspect of the present disclosure provides a bill transaction device, comprising a receiving module, a first generating module, a second generating module, and a sending module. The receiving module is configured to receive a bill transaction request instruction, wherein the bill transaction request instruction comprises holding information of a first terminal and target transaction information. The target transaction information represents target transaction amount information that needs to be redeemed by the first terminal when the first terminal performs a bill transaction at a target time. The holding information comprises bill information of a plurality of bills held by the first terminal. The bill information comprises face value amount information, discount information at a current time, and holding probability information. The first generating module is configured to, in response to the bill transaction request instruction, generate, for each bill, sub-transaction amount information that is expected to be redeemed by the bill when the bill performs a bill transaction at the target time, according to the face value amount information and the discount information at the current time. The second generating module is configured to generate bill combination information according to the sub-transaction amount information, the target transaction amount information, and the holding probability information. The sending module is configured to, in a case where the receiving module receives confirmation information sent by the first terminal and directed to the bill combination information, send the bill combination information to a second terminal, so as to enable the first terminal and the second terminal to perform a bill transaction.

[0030] According to an embodiment of the present disclosure, the first generating module comprises a prediction unit and a first generating unit. The prediction unit is configured to input the discount information at the current time into a trained discount rate prediction model, and output a discount rate of the bill at the target time. The first generating unit is configured to generate the sub-transaction amount information of the bill according to the face value amount information and the discount rate at the target time.

[0031] According to an embodiment of the present disclosure, the first generation module comprises a training unit configured to train the discount rate prediction model. The training unit comprises an acquisition subunit and a training subunit. The acquisition subunit is configured to acquire historical discount information of the bill, wherein the historical discount information comprises historical discount rate time series data and historical financial indicator time series data used to represent the influence on the discount rate of the bill. The training subunit is configured to input the historical discount rate time series data and the historical financial indicator time series data used to represent the influence on the discount rate of the bill into an initial model for training to obtain the trained discount rate prediction model.

[0032] According to an embodiment of the present disclosure, the second generation module comprises a combination unit, a first determination unit, a second determination unit, and a second generation unit. The combination unit is configured to combine the bills according to the target transaction amount information and the sub-transaction amount information to obtain a plurality of to-be-traded bill combinations, wherein the total transaction amount of all bills in the to-be-traded bill combination is expected to be redeemed at the target time is the target transaction amount. The first determination unit is configured to determine the transaction risk information of the to-be-traded bill combination according to the discount information of each bill in the to-be-traded bill combination at the current time. The second determination unit is configured to determine the target to-be-traded bill combination from the plurality of to-be-traded bill combinations according to the holding probability information in the case that the transaction risk information meets the first preset condition. The second generation unit is configured to generate the bill combination information according to the target to-be-traded bill combination.

[0033] According to an embodiment of the present disclosure, the first determination unit comprises a first calculation subunit and a first determination subunit. The first calculation subunit is configured to calculate the discount rate variance of each bill according to the discount information of each bill in the to-be-traded bill combination at the current time. The first determination subunit is configured to determine the transaction risk information of the to-be-traded bill combination according to the discount rate variance of each bill.

[0034] According to an embodiment of the present disclosure, the second determination unit comprises a second calculation subunit, a sorting subunit, and a second determination subunit. The second calculation subunit is configured to calculate the total holding probability of the to-be-traded bill combination according to the holding probability information in the case that the transaction risk information meets the first preset condition. The sorting subunit is configured to sort the to-be-traded bill combinations according to the total holding probability to obtain a holding preference result. The second determination subunit is configured to determine the target to-be-traded bill combination from the plurality of to-be-traded bill combinations according to the holding preference result.

[0035] According to an embodiment of the present disclosure, the bill transaction device further comprises a payment module configured to, in response to the transaction service request sent by the second terminal, pay the target transaction amount corresponding to the target transaction amount information to the second terminal at the target time in the case that the bill combination information meets the second preset condition.

[0036] Another aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors perform the above-mentioned bill transaction method.

[0037] Another aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-mentioned bill transaction method.

[0038] Another aspect of the present disclosure also provides a computer program product comprising a computer program that, when executed by a processor, implements the above-mentioned bill transaction method.

[0039] According to an embodiment of the present disclosure, by responding to the bill transaction request instruction, for each bill held by the first terminal, generating the sub-transaction amount information of the bill according to the face value amount information and the discount information at the current time, so that in the process of bill transaction, the bill transaction can be carried out according to the generated sub-transaction amount information of the bill without waiting for the bill to expire, thereby simplifying the process of bill transaction. Then, according to the sub-transaction amount information, the target transaction amount information and the bill holding probability information, the bill combination information is generated; in the case that the confirmation information for the bill combination information sent by the first terminal is received, the bill combination information is sent to the second terminal, for the first terminal and the second terminal to carry out bill transaction. Since the bill combination information is generated according to the bill holding probability information of the first terminal, it is more in line with the bill holding preference of the first terminal, thereby reducing the probability that the generated bill combination information is denied by the first terminal, speeding up the bill transaction speed and improving the online bill transaction efficiency. BRIEF DESCRIPTION OF DRAWINGS

[0040] The above and other objects, features and advantages of the present disclosure will become more apparent from the following description when taken in conjunction with the accompanying drawings, in which:

[0041] Figure 1 A schematic application scenario diagram of the bill transaction method, device, equipment, medium and program product according to an embodiment of the present disclosure is shown;

[0042] Figure 2 A flowchart of the bill transaction method according to an embodiment of the present disclosure is shown schematically;

[0043] Figure 3 A flowchart of the method for generating the sub-transaction amount information of the bill according to an embodiment of the present disclosure is shown schematically;

[0044] Figure 4 A flowchart of the method for generating the bill combination information according to an embodiment of the present disclosure is shown schematically;

[0045] Figure 5 A logical block diagram of a bill transaction is schematically shown according to an embodiment of the present disclosure;

[0046] Figure 6 A structural block diagram of a bill transaction device is schematically shown according to an embodiment of the present disclosure; and

[0047] Figure 7 A block diagram of an electronic device suitable for implementing a bill transaction method is schematically shown according to an embodiment of the present disclosure. DETAILED DESCRIPTION

[0048] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It is to be understood, however, that the description is merely exemplary and is intended to provide a thorough understanding of the present disclosure. The following detailed description and specific examples are given to provide a thorough understanding of the embodiments of the present disclosure. However, it will be apparent that one or more embodiments can be practiced without these specific details. In addition, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concept of the present disclosure.

[0049] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the present disclosure. As used herein, the term "including" and "comprising" and the like are meant to be inclusive in nature and do not exclude the presence of other features, steps, operations, or components.

[0050] All terms used herein, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of the present description, and should not be interpreted in an idealized or overly formal manner.

[0051] In the case of using expressions similar to "at least one of A, B, and C, etc.", it should be generally interpreted as including any one of A, B, and C, etc., in the meaning that the expression is generally understood by one of ordinary skill in the art (for example, "a system having at least one of A, B, and C" should include but not be limited to a system having A alone, a system having B alone, a system having C alone, a system having A and B together, a system having A and C together, a system having B and C together, and / or a system having A, B, and C together, etc.).

[0052] It should be noted that the bill transaction method and device of the present disclosure can be used in the field of financial technology and the field of big data technology, and can also be used in any field other than the field of finance, and the application field of the bill transaction method and device of the present disclosure is not limited.

[0053] In the technical solutions of the present disclosure, the collection, storage, use, processing, transmission, provision, disclosure and application of terminal personal information comply with relevant laws and regulations, necessary security measures are taken, and the public order and good customs are not violated.

[0054] In the technical solutions of the present disclosure, the authorization or consent of the terminal is obtained before the terminal personal information is acquired or collected.

[0055] Embodiments of the present disclosure provide a bill transaction method. According to the bill transaction request instruction, for each bill held by the first terminal, the face value information and the discount information at the current time are used to generate the sub-transaction amount information of the bill, so that the bill transaction can be performed according to the generated sub-transaction amount information of the bill without waiting for the bill to expire during the bill transaction process, thereby simplifying the bill transaction process. According to the sub-transaction amount information, the target transaction amount information and the bill holding probability information, the bill combination information is generated. In the case that the confirmation information of the bill combination information sent by the first terminal is received, the bill combination information is sent to the second terminal, which is used for the first terminal and the second terminal to perform the bill transaction. Since the bill combination information is generated according to the bill holding probability information of the first terminal, it is more in line with the bill holding preference of the first terminal, thereby reducing the probability that the generated bill combination information is denied by the first terminal, accelerating the bill transaction speed and improving the online bill transaction efficiency.

[0056] Figure 1 The application scenario diagram of the bill transaction method according to the embodiments of the present disclosure is schematically shown.

[0057] As shown in Figure 1 The application scenario 100 according to the embodiments can include a first terminal device 101, a second terminal device 102, a server 103 and a network 104. The network 104 is a medium for providing a communication link between the first terminal 101, the second terminal 102 and the server 104. The network 104 can include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0058] The first terminal and the second terminal can use the terminal device, i.e., the first terminal device 101 and the second terminal device 102, to interact with the server 103 through the network 104 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101 and the second terminal device 102, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0059] The first terminal device 101 and the second terminal device 102 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0060] The server 103 can be a server providing various services, such as a background management server (only for example) providing support for a website browsed by the first terminal using the first terminal device 101. The background management server can perform analysis and the like on received terminal requests and the like, and feed back the processing results (such as a webpage, information, or data obtained or generated according to the terminal request) to the terminal device.

[0061] It should be noted that the bill transaction method provided by the embodiment of the present disclosure can generally be executed by the server 103. Accordingly, the bill transaction apparatus provided by the embodiment of the present disclosure can generally be arranged in the server 103. The bill transaction method provided by the embodiment of the present disclosure can also be executed by a server or a server cluster different from the server 103 and intended to communicate with the first terminal device 101, the second terminal device 102, and / or the server 103. Accordingly, the bill transaction apparatus provided by the embodiment of the present disclosure can also be arranged in a server or a server cluster different from the server 103 and intended to communicate with the first terminal device 101, the second terminal device 102, and / or the server 103.

[0062] It should be understood that Figure 1 The number of terminal devices, networks, and servers in

[0063] The bill transaction method provided by the embodiment of the present disclosure will be described in detail below based on the scenario described in Figure 1 Figures 2 to 4 The bill transaction method provided by the embodiment of the present disclosure will be described in detail below based on the scenario described in

[0064] Figure 2 A flowchart of the bill transaction method according to the embodiment of the present disclosure is schematically shown.

[0065] As shown in Figure 2 , the bill transaction method of this embodiment includes operation S210 to operation S240.

[0066] In operation S210, a bill transaction request instruction sent by the first terminal is received, wherein the bill transaction request instruction includes ticket holding information of the first terminal and target transaction information, the target transaction information representing target transaction amount information expected to be redeemed by the first terminal when performing bill transaction at a target time, and the ticket holding information including bill information of a plurality of bills held by the first terminal, the bill information including face value amount information, discount information at a current time, and ticket holding probability information. ​

[0067] According to an embodiment of the present disclosure, the first terminal can be a ticket holder terminal, and the ticket information of the first terminal can include ticket information of a plurality of tickets, such as ticket information of ticket A, ticket information of ticket B, ticket information of ticket C, and the like. The ticket information can include face value information, discount information at the current time, and ticket holding probability information, wherein the face value information represents a transaction amount that can be redeemed at the expiration of the ticket A, for example, the face value of ticket A is m, and the expiration time of ticket A is T, which represents that the transaction amount that can be redeemed at T is m.

[0068] According to an embodiment of the present disclosure, the discount information at the current time represents the discount information of the ticket at the time when the first terminal initiates the ticket request instruction. The discount information can include a discount rate and a discount rate, and the discount rate represents the percentage of the difference between the face value of the ticket and the actual redemption amount of the ticket to the actual redemption amount of the ticket with the fluctuation of the financial market. The discount rate represents the percentage of the actual redemption amount of the ticket provided by the transaction service party to the face value of the ticket. The ticket holding probability information represents the probability of the first terminal holding the ticket after each ticket transaction, for example, the first terminal holds ticket A, as long as the ticket transaction involves ticket A, ticket A is transacted, and the ticket holding probability of ticket A is 0. For ticket B, ticket B is never transacted in any ticket transaction, and the ticket holding probability of ticket B is 1.

[0069] In operation S220, in response to the ticket transaction request instruction, for each ticket, sub-transaction amount information of the ticket is generated according to the face value information and the discount information at the current time, wherein the sub-transaction amount information represents the expected transaction amount information of the ticket at the target time.

[0070] According to an embodiment of the present disclosure, the discount information at the current time can be represented as the discount rate r t Since the discount rate of different types of tickets has certain variation rules, the discount rate r t The discount rate r t+1 The discount rate r t+1 The discount rate r t+2 , and so on, the discount rate r T .

[0071] According to an embodiment of the present disclosure, the sub-transaction amount of the ticket can be calculated according to formula (1) to generate the sub-transaction amount information of the ticket.

[0072] PV = FV / (1 + r T ) (1)

[0073] wherein PV represents the sub-transaction amount of the bill; FV represents the face value; r T represents the discount rate of the target time T.

[0074] In operation S230, the bill combination information is generated according to the sub-transaction amount information, the target transaction amount information and the bill holding probability information.

[0075] According to an embodiment of the present disclosure, for example: the target transaction amount can be M, the sub-transaction amount of bill A can be ml, the sub-transaction amount of bill B can be m2... the sub-transaction amount of bill N can be m j The bill combination information can be generated by determining the proportions of different bills, so that the sum of the sub-transaction amounts of all bills in the bill combination is equal to the target transaction amount, for example:

[0076] M = mlk1 + m2k2 +... + m j k j (2);

[0077] wherein ml, m2... m j represent the sub-transaction amount of each kind of bill at the target time; k1, k2... k j represent the proportion of each kind of bill in the bill combination; M represents the target transaction amount.

[0078] According to an embodiment of the present disclosure, the bill combination determined according to formula (2) can include multiple, for example: bill combination P, bill combination Q, etc. Each kind of bill combination can include different proportions of different kinds of bills, for example: the proportion of bill A in bill combination P can be al, the proportion of bill B can be bl; the proportion of bill C in bill combination Q can be a2, the proportion of bill D can be b2. It can also include the same proportion of different kinds of bills, for example: the proportion of bill A in bill combination P can be al, the proportion of bill B can be bl; the proportion of bill C in bill combination Q can be al, the proportion of bill D can be bl. It can also include different proportions of the same kind of bills, for example: the proportion of bill A in bill combination P can be al, the proportion of bill B can be bl; the proportion of bill A in bill combination Q can be a2, the proportion of bill B can be b2.

[0079] According to the embodiment of the present disclosure, the ticket combination information that is more in line with the ticket holding preferences of the first terminal can be generated from different ticket combinations according to the ticket holding probability information. For example, the ticket holding probability of ticket A in ticket combination P is 0, and the ticket holding probability of ticket B is 0; the ticket holding probability of ticket C in ticket combination Q is 0.5, and the ticket holding probability of ticket D is 1. It can be determined that the tickets in ticket combination Q are more in line with the ticket holding preferences of the first terminal. It indicates that when performing a ticket transaction, the first terminal is more inclined to perform a ticket transaction with ticket A and ticket B, and to keep ticket C and ticket D for long-term holding.

[0080] In operation S240, in the case where the confirmation information sent by the first terminal for the ticket combination information is received, the ticket combination information is sent to the second terminal for the first terminal to perform a ticket transaction with the second terminal.

[0081] According to the embodiment of the present disclosure, the ticket combination information can be sent to the first terminal, the first terminal can confirm the ticket combination information, if the confirmation is correct, the first terminal can send the confirmation information to the server, if the confirmation is incorrect, the server sends other ticket combination information to the first terminal until the first terminal confirms the ticket combination information that can be used to perform a ticket transaction. For example, the ticket combination information received by the first terminal is ticket combination P, after the first terminal confirms that it is correct, the first terminal can send the confirmation information to the server. In the case where the server receives the confirmation information, ticket combination P is sent to the second terminal so that the first terminal performs a ticket transaction with the second terminal by using the multiple tickets corresponding to ticket combination P as a payment means.

[0082] According to the embodiment of the present disclosure, by responding to the ticket transaction request instruction, for each ticket held by the first terminal, the face value amount information and the discount information at the current time are used to generate the sub-transaction amount information of the ticket, so that in the process of performing a ticket transaction, the generated sub-transaction amount information of the ticket can be used to perform a ticket transaction without waiting for the ticket to expire, thereby simplifying the process of the ticket transaction. Then, according to the sub-transaction amount information, the target transaction amount information, and the ticket holding probability information, the ticket combination information is generated; in the case where the confirmation information sent by the first terminal for the ticket combination information is received, the ticket combination information is sent to the second terminal for the first terminal to perform a ticket transaction with the second terminal. Since the ticket combination information is generated according to the ticket holding probability information of the first terminal, it is more in line with the ticket holding preferences of the first terminal, thereby reducing the probability that the generated ticket combination information is denied by the first terminal, accelerating the speed of the ticket transaction, and improving the efficiency of the online ticket transaction.

[0083] Figure 3 A method flowchart for generating sub-transaction amount information of a ticket according to an embodiment of the present disclosure is schematically shown.

[0084] As Figure 3As shown, the method for generating the sub-transaction amount information of the bill of the embodiment includes operations S310-S320.

[0085] In operation S310, the discount information of the current time is input into the trained discount rate prediction model, and the discount rate of the bill at the target time is output.

[0086] According to an embodiment of the present disclosure, the discount rate prediction model can include a trained RNN neural network model. Since there are many factors affecting the discount rate, including external economic factors and investment value fluctuation factors, etc. Among them, the external economic factors can include the gross domestic product of economic growth, market interest rate, industry scale output value growth rate, industry employment scale growth rate, interbank interest rate of financial institutions, etc. Investment value fluctuation factors can include gold, silver and other investment value investment price growth rate, stock market index fluctuation range, real estate price fluctuation range, etc. Therefore, an initial model can be constructed according to the historical external economic factor index fluctuation, the historical investment value fluctuation and the historical bill discount rate fluctuation. For example: an initial model can be constructed as shown in formula (3).

[0087] r it = β i r i + γ i r j + ∑a im q jim + ∑π im p kim (4)

[0088] Wherein, r it represents the discount rate of the i-th bill at the target time t, r i represents the discount rate of the i-th bill at the current time, r j represents the discount rate of the i-th bill at the historical time, q jim represents the j-th historical economic index value affecting the i-th bill, p kim represents the k-th historical investment value fluctuation index value affecting the i-th bill. β i , γ i , π im , a im all represent model parameters.

[0089] In operation S320, the sub-transaction amount information of the bill is generated according to the face value amount information and the discount rate at the target time.

[0090] According to an embodiment of the present disclosure, for example: the sub-transaction amount of the bill can be calculated according to the face value information and the discount rate at the target time according to formula (1), and the bill sub-transaction amount information is generated. For example, the face value of bill A is 10,000 yuan, and the discount rate at the target time is 5%, and the generated bill sub-transaction amount information is 9,524 yuan.

[0091] According to an embodiment of the present disclosure, since the discount rate prediction model is constructed according to the historical external economic factor index fluctuation, the historical investment product value fluctuation, and the historical bill discount rate fluctuation, the transaction amount of the bill that can be redeemed at the target time can be accurately generated, thereby solving the problem of low efficiency of bill transaction in the related art that only relies on the face value of the bill at the expiration time for bill transaction.

[0092] According to an embodiment of the present disclosure, the training method of the discount rate prediction model comprises:

[0093] Obtaining historical discount information of the bill, wherein the historical discount information comprises historical discount rate time series data and historical financial index time series data for representing influence on the discount rate of the bill;

[0094] Inputting the historical discount rate time series data and the historical financial index time series data for representing influence on the discount rate of the bill into an initial model for training to obtain the trained discount rate prediction model.

[0095] According to an embodiment of the present disclosure, the historical discount rate data can comprise discount rate time series data (r t0 , r t1 ... r T0 ) of the historical same period time t0-T0 between the current time t and the target time T. The historical financial index time series data for representing influence on the discount rate of the bill can comprise discount rate fluctuation time series data of the bill, external economic index time series data, and investment product value index time series data of the historical same period time t0-T0, and the like. The external economic index time series data can comprise gross domestic product time series data of economic growth, market interest rate time series data, industry scale output value growth rate time series data, industry employment scale growth rate time series data, financial institution interbank offered rate time series data, and the like. The investment product value index time series data can comprise gold and silver investment product price growth rate time series data, stock market index fluctuation range time series data, and real estate price fluctuation range time series data, and the like.

[0096] According to an embodiment of the present disclosure, the historical discount rate time series data and the historical financial index time series data for representing influence on the discount rate of the bill are input into an initial model for training, and the initial model parameters are determined through continuous training to obtain the trained discount rate prediction model.

[0097] According to the embodiment of the present disclosure, since the sample data for training the discount rate prediction model includes the historical discount rate time series data of the bill and the historical financial indicator time series data for characterizing the influence on the discount rate of the bill, the change rule of the predicted discount rate at the target time and the discount rate at the current time conforms to the change rule of the historical data, and the target time discount rate of the bill can be accurately predicted.

[0098] Figure 4 A method flowchart for generating bill combination information according to an embodiment of the present disclosure is schematically shown.

[0099] As Figure 4 shown, the method for generating bill combination information of the embodiment includes operations S410-S440.

[0100] In operation S410, the bills are combined according to the target transaction amount information and the sub-transaction amount information to obtain a plurality of to-be-transacted bill combinations, wherein the total transaction amount of all bills in the to-be-transacted bill combination expected to be redeemed at the target time is the target transaction amount.

[0101] According to the embodiment of the present disclosure, the bills held by the bill holder of the first terminal can be combined according to the formula shown in formula (2) to obtain a plurality of to-be-transacted bill combinations. For example, bill combination P, bill combination Q, bill combination K, etc., wherein bill combination P can be a1 for the proportion of bill A and b1 for the proportion of bill B; bill combination Q can be a2 for the proportion of bill C and b2 for the proportion of bill D; and bill combination K can be a3 for the proportion of bill C and b3 for the proportion of bill B.

[0102] In operation S420, the transaction risk information of the to-be-transacted bill combination is determined according to the discount information at the current time of each bill in the to-be-transacted bill combination.

[0103] According to the embodiment of the present disclosure, the variance of the target time discount rate shown in formula (4) can be calculated to obtain the variance formula shown in formula (5). The transaction risk information of the bill is determined.

[0104]

[0105] wherein, represents the variance of the target time discount rate of the i-th bill; represents the variance of the current time discount rate term in formula (4); represents the variance of the historical discount rate term in formula (4);S 2 represents the variance of the two terms of the historical economic indicator value and the historical investment product value fluctuation indicator value in formula (4).

[0106] In operation S430, in a case where the transaction risk information meets the first preset condition, a target to-be-traded bill combination is determined from the plurality of to-be-traded bill combinations according to the bill holding probability information.

[0107] According to an embodiment of the present disclosure, the first preset condition can be that the variance of the discount rate of the i-th bill at the target time is less than a risk threshold. Generally, the risk threshold is provided by the transaction service party. The variance of the bill combination can be determined by the variance of each bill in the combination and the proportion of the bill.

[0108] According to an embodiment of the present disclosure, the bill holding probability information can include the probability that a bill holder retains a bill after conducting a bill transaction. For example, a bill holder holds bill A, bill B, and bill C, and in n times of bill transactions, bill A is used for bill transactions n times, bill C is used for bill transactions 0 times, and bill B is used for bill transactions 0.5n times. It can be determined that the bill holding probability of bill A is 0, the bill holding probability of bill B is 0.5, and the bill holding probability of bill C is 1. This indicates that the bill holder is more inclined to conduct bill transactions with bill A and retain bill C. The to-be-traded bill combination with a lower bill holding probability can be determined as the target to-be-traded bill combination according to the bill holding probability.

[0109] In operation S440, bill combination information is generated according to the target to-be-traded bill combination.

[0110] According to an embodiment of the present disclosure, for example, bill combination P is a to-be-traded bill combination with a lower bill holding probability. The bill combination information can be generated according to bill combination P, and the bill combination information can include bill names, bill proportions, and the like. For example, bill A (a1) and bill B (b1).

[0111] According to an embodiment of the present disclosure, the target to-be-traded bill combination is determined from the to-be-traded bill combinations according to both the transaction risk and the bill holding probability, and the bill combination information is generated. Since the bill combination information is generated according to the bill holding probability information of the first terminal, it is more in line with the bill holding preferences of the first terminal, thereby reducing the probability that the generated bill combination information is denied by the first terminal. Secondly, the transaction risk of the transaction service party is considered in the process of generating the bill combination, thereby avoiding the problem that the transaction service party refuses to provide bill redemption services due to excessively high bill transaction risks, accelerating the bill transaction speed, and improving the efficiency of online bill transactions.

[0112] According to an embodiment of the present disclosure, the transaction risk information of the to-be-traded bill combination is determined according to the discount information of each bill in the to-be-traded bill combination at the current time, including:

[0113] The discount rate variance of each bill is calculated according to the discount information of each bill in the to-be-traded bill combination at the current time.

[0114] According to the variance of the discount rate of each bill, transaction risk information of the to-be-traded bill combination is determined.

[0115] According to an embodiment of the present disclosure, the variance of the discount rate of each bill can be calculated according to formula (5), for example: the variance of bill A is p a , the variance of bill B is p b , the variance of bill C is p c , and the variance of bill D is p d .

[0116] According to an embodiment of the present disclosure, the transaction risk information of the to-be-traded bill combination can be determined according to the variance of the discount rate of each bill. For example, the proportion of bill A in the to-be-traded bill combination J is a1, and the proportion of bill B is b1, then the transaction risk value of the to-be-traded bill combination J is p a a1+p b b1.

[0117] According to an embodiment of the present disclosure, by determining the transaction risk of the to-be-traded bill combination through the variance of the discount rate of each bill in the to-be-traded bill combination, it can be determined in advance whether the transaction risk of the to-be-traded bill combination meets the requirements of the transaction service party, thereby avoiding the problem that the transaction service party refuses to provide bill redemption services due to high bill transaction risk.

[0118] According to an embodiment of the present disclosure, in a case where the transaction risk information meets a first preset condition, a target to-be-traded bill combination is determined from a plurality of to-be-traded bill combinations according to the bill holding probability information, comprising:

[0119] In a case where the transaction risk information meets a first preset condition, a total bill holding probability of the to-be-traded bill combination is calculated according to the bill holding probability information;

[0120] The to-be-traded bill combination is sorted according to the total bill holding probability to obtain a bill holding preference result;

[0121] According to the bill holding preference result, a target to-be-traded bill combination is determined from a plurality of to-be-traded bill combinations.

[0122] According to an embodiment of the present disclosure, the bill holding probability of each bill can be determined according to the result factors of each bill transaction of the user and the user characteristic factors, economic influence factors, and bill characteristic factors. The bill holding probability function can be constructed according to the above factors.

[0123] f = λc + ηs + ∑θ k d k + ∑μ1e l + ∑κ m g m (6)

[0124] wherein f represents a holding probability function; c represents an estimated transaction amount of the face value of the bill held after the bill transaction; s represents a variance of the discount rate of the bill held after the bill transaction at the target time; d k represents the kth user feature of the bill holder; e1 represents the 1st economic indicator value; g m represents the mth bill feature, λ, η, θ k , κ m are all coefficients.

[0125] According to an embodiment of the present disclosure, the economic indicator value can include the number of practitioners in the industry, the industry output value, the industry output value growth rate, the default rate of enterprises in the same industry, the industry debt size, and the like. The bill feature can include the portrait feature of the drawer, the guarantor, and the acceptor of the bill, and the like.

[0126] According to an embodiment of the present disclosure, the total holding probability of the bill combination to be traded can be calculated according to formula (8):

[0127] argmax[fi(1-Vi)Hi] (8)

[0128] wherein fi represents the holding probability of the ith bill; Hi represents the ith bill in the bill combination; and Vi represents the proportion of the ith bill in the bill combination.

[0129] According to an embodiment of the present disclosure, the total holding probability of the bill combination P calculated according to formula (8) is 0.8, the total holding probability of the bill combination Q is 0.2, and the total holding probability of the bill combination J is 0.6.

[0130] According to an embodiment of the present disclosure, the holding preference result obtained by sorting according to the total holding probability is bill combination P > bill combination J > bill combination Q.

[0131] According to an embodiment of the present disclosure, the lower the total holding probability, the more the bill holder tends to trade the bill combination, and the bill combination Q can be determined as the target bill combination to be traded.

[0132] According to an embodiment of the present disclosure, since the bill combination information is generated according to the holding probability information of the first terminal, it is more in line with the holding preference of the first terminal, thereby reducing the probability that the generated bill combination information is denied by the first terminal.

[0133] According to an embodiment of the present disclosure, the above bill transaction method further includes:

[0134] In response to the transaction service request sent by the second terminal, in a case where it is determined that the bill combination information meets the second preset condition, the target transaction amount corresponding to the target transaction amount information is paid to the second terminal by the transaction service at the target time.

[0135] According to an embodiment of the present disclosure, the second preset condition can be determined by the transaction service party according to actual needs, for example: when receiving the transaction service request sent by the second terminal, performing risk assessment on the bill combination information, and in the case of passing the risk assessment, at the target time, paying the target transaction amount corresponding to the target transaction amount information to the second terminal by the transaction service party.

[0136] According to an embodiment of the present disclosure, by responding to the transaction service request of the second terminal, the target transaction amount of the bill combination can be directly paid to the second terminal, simplifying the cumbersome process of waiting for the bill to expire and paying in turn in the traditional way.

[0137] Figure 5 The logic block diagram of the bill transaction according to an embodiment of the present disclosure is schematically shown.

[0138] As shown in Figure 5 The bill transaction method of this embodiment includes operations S501-S508.

[0139] In operation S501, a bill transaction request instruction sent by a first terminal is received, wherein the bill transaction request instruction includes ticket holding information of the first terminal and target transaction information, the target transaction information represents target transaction amount information expected to be redeemed by the first terminal when performing bill transaction at a target time, and the ticket holding information includes bill information of a plurality of bills held by the first terminal, the bill information includes face value amount information, discount information at a current time, and ticket holding probability information.

[0140] In operation S502, in response to the bill transaction request instruction, for each bill, according to the face value amount information and the discount information at the current time, sub-transaction amount information of the bill is generated, wherein the sub-transaction amount information represents transaction amount information expected to be redeemed by the bill when performing bill transaction at the target time;

[0141] In operation S503, according to the target transaction amount information and the sub-transaction amount information, the bills are combined to obtain a plurality of to-be-transacted bill combinations, wherein the total transaction amount expected to be redeemed by all bills in the to-be-transacted bill combination at the target time is the target transaction amount.

[0142] In operation S504, according to the discount information at the current time of each bill in the to-be-transacted bill combination, transaction risk information of the to-be-transacted bill combination is determined.

[0143] In operation S505, it is determined whether the transaction risk information satisfies a first preset condition, if yes, operation S506 is performed, and if not, operation S503 is returned;

[0144] At operation S506, a target to-be-traded bill combination is determined from the plurality of to-be-traded bill combinations according to the holding probability information.

[0145] At operation S507, bill combination information is generated according to the target to-be-traded bill combination.

[0146] At operation S508, the bill combination information is sent to the second terminal for the first terminal and the second terminal to conduct the bill transaction, in a case where the confirmation information sent by the first terminal for the bill combination information is received.

[0147] Based on the above bill transaction method, the present disclosure further provides a bill transaction device. The following will be described in detail in combination with Figure 6 the device.

[0148] Figure 6 A structural block diagram of a bill transaction device according to an embodiment of the present disclosure is schematically shown.

[0149] As Figure 6 shown, the bill transaction device 600 of this embodiment includes a receiving module 610, a first generating module 620, a second generating module 630, and a sending module 640.

[0150] The receiving module 610 is configured to receive a bill transaction request instruction, wherein the bill transaction request instruction includes holding bill information of a first terminal and target transaction information, the target transaction information representing target transaction amount information required to be redeemed by the first terminal when conducting a bill transaction at a target time, and the holding bill information including bill information of a plurality of bills held by the first terminal, the bill information including face value amount information, discount information at a current time, and holding probability information. In an embodiment, the receiving module 610 can be configured to perform the operation S210 described above, and details are not repeated here.

[0151] The first generating module 620 is configured to, in response to the bill transaction request instruction, generate, for each bill, sub-transaction amount information expected to be redeemed by the bill when conducting a bill transaction at the target time according to the face value amount information and the discount information at the current time. In an embodiment, the first generating module 620 can be configured to perform the operation S220 described above, and details are not repeated here.

[0152] The second generating module 630 is configured to generate bill combination information according to the sub-transaction amount information, the target transaction amount information, and the holding probability information. In an embodiment, the second generating module 630 can be configured to perform the operation S230 described above, and details are not repeated here.

[0153] The sending module 640 is configured to send the bill combination information to the second terminal in a case where the first terminal sends the confirmation information for the bill combination information, so that the first terminal and the second terminal perform the bill transaction. In an embodiment, the sending module 640 can be configured to perform the operation S240 described above, and details are not described herein again.

[0154] According to an embodiment of the present disclosure, the first generating module comprises a prediction unit and a first generating unit. The prediction unit is configured to input the discount information of the current time into the trained discount rate prediction model, and output the discount rate of the bill at the target time. The first generating unit is configured to generate the sub-transaction amount information of the bill according to the face value amount information and the discount rate at the target time.

[0155] According to an embodiment of the present disclosure, the first generating module comprises a training unit configured to train the discount rate prediction model. The training unit comprises an obtaining sub-unit and a training sub-unit. The obtaining sub-unit is configured to obtain historical discount information of the bill, wherein the historical discount information comprises historical discount rate time series data and historical financial indicator time series data used to represent the influence on the discount rate of the bill. The training sub-unit is configured to input the historical discount rate time series data and the historical financial indicator time series data used to represent the influence on the discount rate of the bill into an initial model for training, to obtain the trained discount rate prediction model.

[0156] According to an embodiment of the present disclosure, the second generating module comprises a combination unit, a first determining unit, a second determining unit and a second generating unit. The combination unit is configured to combine the bills according to the target transaction amount information and the sub-transaction amount information, to obtain a plurality of to-be-traded bill combinations, wherein the total transaction amount of all bills in the to-be-traded bill combination is expected to be redeemed at the target time. The first determining unit is configured to determine the transaction risk information of the to-be-traded bill combination according to the discount information of the current time of each bill in the to-be-traded bill combination. The second determining unit is configured to determine the target to-be-traded bill combination from the plurality of to-be-traded bill combinations according to the holding probability information in a case where the transaction risk information meets a first preset condition. The second generating unit is configured to generate the bill combination information according to the target to-be-traded bill combination.

[0157] According to an embodiment of the present disclosure, the first determining unit comprises a first calculation sub-unit and a first determination sub-unit. The first calculation sub-unit is configured to calculate the discount rate variance of each bill according to the discount information of the current time of each bill in the to-be-traded bill combination. The first determination sub-unit is configured to determine the transaction risk information of the to-be-traded bill combination according to the discount rate variance of each bill.

[0158] According to an embodiment of the present disclosure, the second determining unit comprises a second calculating subunit, a ranking subunit and a second determining subunit. The second calculating subunit is configured to calculate a total holding probability of the to-be-traded bill combination according to the holding probability information in the case that the transaction risk information meets the first preset condition. The ranking subunit is configured to rank the to-be-traded bill combinations according to the total holding probability to obtain a holding preference result. The second determining subunit is configured to determine a target to-be-traded bill combination from the plurality of to-be-traded bill combinations according to the holding preference result.

[0159] According to an embodiment of the present disclosure, the bill transaction device further comprises a payment module configured to, in response to the transaction service request sent by the second terminal, pay a target transaction amount corresponding to the target transaction amount information to the second terminal at the target time in the case that the bill combination information meets the second preset condition.

[0160] According to an embodiment of the present disclosure, any one or more of the receiving module 610, the first generating module 620, the second generating module 630 and the sending module 640 can be combined in one module, or any one of them can be split into multiple modules. Alternatively, at least part of the function of one or more of these modules can be combined with at least part of the function of other modules, and implemented in one module. According to an embodiment of the present disclosure, at least one of the receiving module 610, the first generating module 620, the second generating module 630 and the sending module 640 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on substrate, a system on package, an application specific integrated circuit (ASIC), or any other reasonable way of hardware or firmware that can be integrated or packaged, or any one of software, hardware and firmware or any appropriate combination of any of them. Alternatively, at least one of the receiving module 610, the first generating module 620, the second generating module 630 and the sending module 640 can be at least partially implemented as a computer program module which can perform corresponding functions when running.

[0161] Figure 7 A block diagram of an electronic device suitable for implementing the bill transaction method according to an embodiment of the present disclosure is schematically shown.

[0162] As Figure 7As shown, the electronic device 700 according to embodiments of the present disclosure includes a processor 701 that can perform various appropriate actions and processes according to programs stored in a read only memory (ROM) 702 or loaded into a random access memory (RAM) 703 from a storage section 708. The processor 701 can include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (e.g., an application specific integrated circuit (ASIC)), and so on. The processor 701 can also include an on-board memory for cache use. The processor 701 can include a single processing unit or multiple processing units for executing different actions of the method processes according to embodiments of the present disclosure.

[0163] In the RAM 703, various programs and data required for the operation of the electronic device 700 are stored. The processor 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. The processor 701 performs various operations of the method processes according to embodiments of the present disclosure by executing the programs in the ROM 702 and / or the RAM 703. Note that the programs can also be stored in one or more memories other than the ROM 702 and the RAM 703. The processor 701 can also perform various operations of the method processes according to embodiments of the present disclosure by executing the programs stored in the one or more memories.

[0164] According to embodiments of the present disclosure, the electronic device 700 can further include an input / output (I / O) interface 705 that is also connected to the bus 704. The electronic device 700 can further include one or more of the following components connected to the I / O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as necessary. A removable recording medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 710 as necessary, so that a computer program read therefrom is installed into the storage section 708 as necessary.

[0165] The present disclosure also provides a computer readable storage medium, which can be included in the device / apparatus / system described in the above embodiments, or can exist separately without being assembled into the device / apparatus / system. The above computer readable storage medium carries one or more programs, which when executed, implement the method according to embodiments of the present disclosure.

[0166] According to an embodiment of the present disclosure, the computer readable storage medium can be a nonvolatile computer readable storage medium, for example, can include, but is not limited to, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any appropriate combination thereof. In the present disclosure, the computer readable storage medium can be any tangible medium that contains or stores a program that can be used by or in connection with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, the computer readable storage medium can include one or more memories such as the ROM 702 and / or the RAM 703 described above and / or one or more memory other than the ROM 702 and the RAM 703.

[0167] Embodiments of the present disclosure also include a computer program product that includes a computer program containing program codes for executing the methods shown in the flowcharts. When the computer program product is run in a computer system, the program codes are used to make the computer system implement the above-mentioned methods provided by the embodiments of the present disclosure.

[0168] The above-mentioned functions defined in the system / device of the embodiments of the present disclosure are performed when the computer program is executed by the processor 701. According to an embodiment of the present disclosure, the above-mentioned system, device, module, unit, etc. can be implemented by computer program modules.

[0169] In one embodiment, the computer program can rely on a tangible storage medium such as an optical storage device, a magnetic storage device, etc. In another embodiment, the computer program can also be transmitted, distributed, and downloaded in the form of a signal on a network medium, and be downloaded and installed through the communication part 709, and / or be installed from the detachable medium 711. The program codes contained in the computer program can be transmitted by any appropriate network medium, including but not limited to wireless, wired, etc., or any appropriate combination thereof.

[0170] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 709, and / or be installed from the detachable medium 711. When the computer program is executed by the processor 701, the above-mentioned functions defined in the system of the embodiments of the present disclosure are performed. According to an embodiment of the present disclosure, the above-mentioned system, device, apparatus, module, unit, etc. can be implemented by computer program modules.

[0171] According to embodiments of the present disclosure, program code of the computer program for performing the methods provided by the embodiments of the present disclosure can be written in any combination of one or more programming languages, and can be implemented in a computer program product. Specifically, the computer program code can be implemented using a high-level procedural and / or object-oriented programming language, and / or an assembly / machine language. Program design languages include, but are not limited to, such as Java, C++, python, “C” language or similar program design languages. The program code can be executed entirely on the terminal computing device, partially on the terminal device, partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the terminal computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, connected through the Internet by using an Internet service provider).

[0172] The flow diagrams and the block diagrams in the drawings are illustrations of possible architectures, functions, and operations for systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flow diagrams or block diagrams can represent a module, a segment, or a portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that in some alternative implementations, the functions noted in the blocks can occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently or the blocks may

[0173] Those skilled in the art will understand that the features recited in the various embodiments and / or claims of the present disclosure can be combined or / and integrated in various combinations or / and combinations, even if such combinations or / and combinations are not expressly recited in the present disclosure. In particular, the features recited in the various embodiments and / or claims of the present disclosure can be combined and / or integrated in various combinations or / and combinations without departing from the spirit and teachings of the present disclosure. All such combinations and / or combinations fall within the scope of the present disclosure.

[0174] The above describes embodiments of the present disclosure. However, these embodiments are merely for illustrative purposes, and are not intended to limit the scope of the present disclosure. Although each embodiment is described above separately, this does not mean that the measures in each embodiment cannot be used advantageously in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Those skilled in the art can make various substitutions and modifications without departing from the scope of the present disclosure, and these substitutions and modifications should all fall within the scope of the present disclosure.

Claims

1. A bill transaction method, comprising: receiving a bill transaction request instruction sent by a first terminal, wherein the bill transaction request instruction comprises ticket information of the first terminal and target transaction information, the target transaction information representing target transaction amount information expected to be redeemed when the first terminal performs a bill transaction at a target time, and the ticket information comprising bill information of a plurality of bills held by the first terminal, the bill information comprising face value information, discount information at a current time, and ticket holding probability information; in response to the bill transaction request instruction, generating, for each of the bills, sub-transaction amount information of the bill according to the face value information and the discount information at the current time, wherein the sub-transaction amount information represents transaction amount information expected to be redeemed when the bill performs a bill transaction at the target time; generating bill combination information according to the sub-transaction amount information, the target transaction amount information, and the ticket holding probability information, comprising: combining the bills according to the target transaction amount information and the sub-transaction amount information to obtain a plurality of to-be-transacted bill combinations, wherein the total transaction amount of all bills in the to-be-transacted bill combination is expected to be redeemed at the target time; determining transaction risk information of the to-be-transacted bill combination according to the discount information at the current time of each bill in the to-be-transacted bill combination, comprising: calculating a discount rate variance of each of the bills according to the discount information at the current time of each bill in the to-be-transacted bill combination; and determining the transaction risk information of the to-be-transacted bill combination according to the discount rate variance of each of the bills; in a case where the transaction risk information satisfies a first preset condition, determining a target to-be-transacted bill combination from the plurality of to-be-transacted bill combinations according to the ticket holding probability information to generate the bill combination information, comprising: in a case where the transaction risk information satisfies a first preset condition, calculating a total ticket holding probability of the to-be-transacted bill combination according to the ticket holding probability information; sorting the to-be-transacted bill combinations according to the total ticket holding probability to obtain a ticket holding preference result; and determining the target to-be-transacted bill combination from the plurality of to-be-transacted bill combinations according to the ticket holding preference result; in a case where confirmation information sent by the first terminal for the bill combination information is received, sending the bill combination information to a second terminal for the first terminal and the second terminal to perform a bill transaction.

2. The method of claim 1, wherein, The generating of the sub-transaction amount information of the bill according to the face value information and the discount information at the current time comprises: inputting the discount information at the current time into a trained discount rate prediction model to output a discount rate of the bill at the target time; generating the sub-transaction amount information of the bill according to the face value information and the discount rate at the target time.

3. The method of claim 2, wherein, The training method of the discount rate prediction model comprises: obtaining historical discount information of the bill, wherein the historical discount information comprises historical discount rate time series data and historical financial indicator time series data for representing factors affecting the discount rate of the bill; inputting the historical discount rate time series data and the historical financial indicator time series data for representing factors affecting the discount rate of the bill into an initial model for training to obtain a trained discount rate prediction model.

4. The method of claim 1, further comprising: in response to a transaction service request sent by a second terminal, in a case where the bill combination information is determined to satisfy a second preset condition, paying, by a transaction service to the second terminal, a target transaction amount corresponding to the target transaction amount information at the target time.

5. A bill transaction apparatus, comprising: a receiving module configured to receive a bill transaction request instruction, wherein the bill transaction request instruction comprises bill holding information of a first terminal and target transaction information, the target transaction information representing target transaction amount information required to be redeemed by the first terminal at a target time for bill transaction, and the bill holding information comprising bill information of a plurality of bills held by the first terminal, the bill information comprising face value amount information, current time discount information, and bill holding probability information; a first generating module configured to, in response to the bill transaction request instruction, generate, for each of the bills, sub-transaction amount information expected to be redeemed by the bill at the target time for bill transaction according to the face value amount information and the current time discount information; a second generating module configured to generate bill combination information according to the sub-transaction amount information, the target transaction amount information, and the bill holding probability information, comprising: a combination unit configured to combine the bills according to the target transaction amount information and the sub-transaction amount information to obtain a plurality of to-be-transacted bill combinations, wherein a total transaction amount expected to be redeemed by all bills in the to-be-transacted bill combination at the target time is the target transaction amount; a first determination unit configured to determine transaction risk information of the to-be-transacted bill combination according to the current time discount information of each bill in the to-be-transacted bill combination, comprising: calculating a discount rate variance of each bill according to the current time discount information of each bill in the to-be-transacted bill combination; and determining the transaction risk information of the to-be-transacted bill combination according to the discount rate variance of each bill; and a second determination unit configured to, in a case where the transaction risk information satisfies a first preset condition, determine a target to-be-transacted bill combination from the plurality of to-be-transacted bill combinations according to the bill holding probability information to generate the bill combination information, comprising: calculating a total bill holding probability of the to-be-transacted bill combination according to the bill holding probability information in a case where the transaction risk information satisfies the first preset condition; sorting the to-be-transacted bill combinations according to the total bill holding probability to obtain a bill holding preference result; and determining the target to-be-transacted bill combination from the plurality of to-be-transacted bill combinations according to the bill holding preference result. The sending module is configured to send the ticket combination information to a second terminal if the first terminal sends confirmation information for the ticket combination information. 6.An electronic device, comprising: one or more processors; a memory device for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, enable the one or more processors to perform the method according to any one of claims 1-4. 7.A computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the method according to any one of claims 1-4. 8.A computer program product comprising a computer program that, when executed by a processor, implements the method according to any one of claims 1-4.

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