Rate information determination method and device

Abstract

The invention provides a rate information determination method and device, relates to the technical field of business operation and maintenance, and can be used in the financial field or other technical fields. The method comprises the following steps: obtaining input information of a service system, and determining an application scene of a matched product according to the input information; calling a rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scene; and determining target combination content provided for the customer, and determining target rate information corresponding to the target combination content according to the rate rule strategy. The device executes the method. According to the rate information determination method and device provided by the embodiment of the invention, the product rate can be efficiently and reasonably determined according to different customer demands.

Description

Technical Field

[0001] The present invention relates to the technical field of business operation and maintenance, and in particular to a method and device for determining rate information. Background Art

[0002] The existing credit product approval process obtains a unified and unique rate based on the product in the approval stage. This processing method is too simple and rigid in actual credit business. On the sales and customer acquisition side, it is impossible to flexibly give product rates based on different customer characteristic factors, and it is impossible to meet the needs of different customers. In the approval process, since all customers follow the same product rate, different customers have different potential default risks, which affects the overall product profit and cannot find a balance between customer acquisition, sales, risk and profit.

[0003] The existing comprehensive credit business system is unable to realize flexible rate rule configuration according to different scenarios. If rate rules need to be configured, it is necessary to adjust the code or configure manually, which increases labor costs and is inefficient. Summary of the invention

[0004] In view of the problems in the prior art, the embodiments of the present invention provide a method and device for determining rate information, which can at least partially solve the problems in the prior art.

[0005] In one aspect, the present invention provides a method for determining rate information, comprising:

[0006] Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information;

[0007] Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0008] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0009] The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

[0010] The calling of the rate request interface to obtain a pre-configured rate rule engine and obtaining a rate rule strategy corresponding to the application scenario includes:

[0011] Sending a call request of the rate rule engine to the call rate request interface;

[0012] Respond to the request feedback message returned by the calling rate request interface according to the calling request; the request feedback message carries the rate rule policy corresponding to the application scenario.

[0013] The rate information determination method further includes:

[0014] Each time the target rate information is determined, a target rate rule used by the target rate information is recorded to obtain rate rule statistical record information;

[0015] In response to a query action on the rate rule statistical record information according to a preset query condition, a rate rule query result is obtained;

[0016] Generate adjustment suggestion information for the rate rule policy according to the rate rule query result.

[0017] The rate information determination method further includes:

[0018] In response to a confirmation action for the adjustment suggestion information, a prompt message for optimizing the configuration of the rate rule engine is generated; the prompt message carries the adjustment suggestion information.

[0019] Wherein, configuring the rate rule engine includes:

[0020] Obtaining field information required to configure the rate rule engine;

[0021] Generate rule description information represented by a rule expression according to a pre-acquired rule description document and a table type of a data table where the field information is located, and establish an initial correspondence between the rule expression, the rule description information and the preset rate information;

[0022] According to the initial correspondence, the scenario description information belonging to each preset application scenario is combined with the rule expression and the rule description information to obtain preset combination content, and the correspondence between the preset combination content and the preset rate information is used as the rate rule engine.

[0023] Wherein, after the step of configuring the rate rule engine, the rate information determination method further includes:

[0024] The enabling and disabling of the rate rule engine is controlled according to the rule enabling configuration state information and the rule disabling configuration state information pre-cached on the rate rule engine.

[0025] In one aspect, the present invention provides a rate information determination device, comprising:

[0026] An acquisition unit, used to acquire incoming information of a business system, and determine an application scenario of a matching product according to the incoming information;

[0027] A calling unit, configured to call a rate request interface to obtain a pre-configured rate rule engine, and obtain a rate rule strategy corresponding to the application scenario;

[0028] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0029] The determination unit is used to determine the target combined content provided to the customer, and determine the target rate information corresponding to the target combined content according to the rate rule strategy.

[0030] In another aspect, an embodiment of the present invention provides an electronic device, including: a processor, a memory, and a bus, wherein:

[0031] The processor and the memory communicate with each other via the bus;

[0032] The memory stores program instructions that can be executed by the processor, and the processor calls the program instructions to execute the following method:

[0033] Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information;

[0034] Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0035] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0036] The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

[0037] An embodiment of the present invention provides a non-transitory computer-readable storage medium, including:

[0038] The non-transitory computer-readable storage medium stores computer instructions, which cause the computer to execute the following method:

[0039] Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information;

[0040] Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0041] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0042] The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

[0043] The embodiment of the present invention further provides a computer program product, the computer program product comprising a computer program, and when the computer program is executed by a processor, the following method is implemented:

[0044] Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information;

[0045] Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0046] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0047] The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

[0048] The rate information determination method and device provided in the embodiments of the present invention obtain the incoming information of the business system, determine the application scenario of the matching product according to the incoming information; call the rate request interface to obtain the pre-configured rate rule engine, and obtain the rate rule strategy corresponding to the application scenario; wherein the rate rule strategy includes the correspondence between the preset combination content of each scenario information item corresponding to the application scenario and the preset rate information; the preset combination content is obtained by combining the contents corresponding to each scenario information item corresponding to the application scenario; determine the target combination content to be provided to the customer, and determine the target rate information corresponding to the target combination content according to the rate rule strategy, so as to efficiently realize the reasonable determination of product rates according to different customer needs. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0050] Figure 1 It is a flow chart of a method for determining rate information provided by an embodiment of the present invention.

[0051] Figure 2 It is a flowchart of a method for determining rate information provided by another embodiment of the present invention.

[0052] Figure 3 It is a flowchart of a method for determining rate information provided by another embodiment of the present invention.

[0053] Figure 4 It is a structural diagram of a rate information determination device provided by an embodiment of the present invention.

[0054] Figure 5 A schematic diagram of the physical structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0055] In order to make the purpose, technical scheme and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention. It should be noted that, in the absence of conflict, the embodiments in this application and the features in the embodiments can be combined with each other arbitrarily.

[0056] Figure 1 FIG. 1 is a flow chart of a method for determining rate information provided by an embodiment of the present invention. Figure 1 As shown, the method for determining rate information provided by the embodiment of the present invention includes:

[0057] Step S1: Obtain the incoming application information of the business system, and determine the application scenario of the matching product according to the incoming application information.

[0058] Step S2: calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0059] Among them, the rate rule strategy includes the correspondence between the preset combination content of each scenario information item corresponding to the application scenario and the preset rate information; the preset combination content is obtained by combining the contents corresponding to each scenario information item corresponding to the application scenario.

[0060] Step S3: Determine the target combined content to be provided to the customer, and determine the target rate information corresponding to the target combined content according to the rate rule policy.

[0061] In the above step S1, the device obtains the incoming information of the business system, and determines the application scenario of the matching product according to the incoming information. The device can be a computer device that executes the method, for example, it can include a server, specifically a business system server. It should be noted that the information collected in the embodiments of the present invention is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant countries and regions, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0062] Provide users with corresponding operation entrances for them to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0063] "Submission" is a professional term, which mainly refers to a series of materials and information that customers need to submit when applying for relevant services. These materials and information usually include the merchant's basic information and bank account information.

[0064] Determining application scenarios of matching products according to the incoming information includes:

[0065] The products recommended to customers are determined based on their basic information and bank account information, the customer's business operations are determined based on their business licenses, and the application scenarios corresponding to the recommended products are determined based on the business operations. For example, the application scenario of the matching product can be a car loan product.

[0066] In the above step S2, the device calls the rate request interface to obtain a pre-configured rate rule engine, and obtains a rate rule policy corresponding to the application scenario;

[0067] Among them, the rate rule strategy includes the correspondence between the preset combination content of each scenario information item corresponding to the application scenario and the preset rate information; the preset combination content is obtained by combining the contents corresponding to each scenario information item corresponding to the application scenario.

[0068] The calling of the rate request interface to obtain a pre-configured rate rule engine and obtain a rate rule strategy corresponding to the application scenario includes:

[0069] A call request for the rate rule engine is sent to the call rate request interface; the call request carries an application scenario identifier.

[0070] Respond to the request feedback message returned by the calling rate request interface according to the calling request; the request feedback message carries the rate rule policy corresponding to the application scenario. The calling rate request interface can obtain the rate rule policy corresponding to the application scenario according to the application scenario identifier.

[0071] For example, the application scenario identifier may include XX car loan and / or autoloan, as shown in Table 1:

[0072] Table 1

[0073]

[0074] As shown in Table 1, each scenario information item includes product, product code, car loan rule, and description rule expression, and the preset combination content is the content under the above four scenario information items.

[0075] The preset rate information includes the rate type, such as a fixed rate and a floating rate, and the rate value, such as 1.45 and 1.35.

[0076] In the above step S3, the device determines the target combination content provided to the customer, and determines the target rate information corresponding to the target combination content according to the rate rule strategy. Referring to Table 1, if the target combination content provided to the customer is determined to be XX car loan, autoloan, score <400, funding channel YTF, rate 1.35, basic table, score! = "" && basic table, score <400 && funding channel == "YTF", then the target rate information is determined to be a floating rate of 1.35, and the target combination content provided to the customer can be determined by the business personnel.

[0077] The rate information determination method further includes:

[0078] Each time the target rate information is determined, the target rate rule used by the target rate information is recorded to obtain rate rule statistical record information; the rate rule statistical record information can be independently set according to actual conditions, and can be selected as the rate rule statistical record information of the most recent three months.

[0079] In response to the query action on the rate rule statistical record information according to the preset query conditions, the rate rule query result is obtained; the preset query conditions can be set independently according to the actual situation, for example, the query field is set to XX car loan, the funding channel is YHF, the score is <400, etc., and the rate rule query result corresponding to the above preset query conditions can be dimensional data such as the number of rule hits and the number of rule skips.

[0080] Generate adjustment suggestion information for the rate rule strategy based on the rate rule query result. If the ratio of the number of rule hits to the number of rule skips is less than the preset ratio, it means that the existing rule configuration is not reasonable enough. The adjustment suggestion information is, for example, to modify the rule description "score <400, funding channel YTF, rate 1.35" to "score <200, funding channel YTF, rate 1.35", and "200 <score <400, funding channel BHF, rate 1.35". A brief description of the steps to determine and record the target rate information, such as Figure 2 shown.

[0081] The rate information determination method further includes:

[0082] In response to the confirmation action for the adjustment suggestion information, a prompt message for optimizing the configuration of the rate rule engine is generated; the prompt message carries the adjustment suggestion information. Referring to the above example, since the adjustment suggestion information is generated to increase the ratio of the number of rule hits to the number of rule skips, such adjustment suggestion information still needs to be manually confirmed by professionals. If confirmed, a prompt message is generated for the rate rule engine configuration personnel to refer to the above adjustment suggestion information to reconfigure and optimize the rate rule strategy corresponding to the XX car loan scenario.

[0083] Configuring the rate rule engine includes:

[0084] Get the field information required to configure the rate rule engine; import the rate rule writing required fields according to business requirements, which can be manually maintained through the system page or imported using batch templates. For example: the business system car loan product needs to add new rate rules, and the rate rule engine needs to add relevant rule fields, as shown in Table 2:

[0085] Table 2

[0086] Data Sheet Data Fields type length Value Basic table Product Code String 32 autoloan Basic table score character 4 Manual Input Basic table Funding channels character 200 YTF / BHF

[0087] According to the pre-acquired rule description document and the table type of the data table where the field information is located, the rule description information represented by the rule expression is generated, and an initial corresponding relationship among the rule expression, the rule description information and the preset rate information is established; the rule description document can be provided by business personnel, as shown in Table 2, and the table type of the data table where the field information is located is a basic table.

[0088] The regular expressions and initial corresponding relations are shown in Table 1.

[0089] According to the initial correspondence, the scenario description information belonging to each preset application scenario is combined with the rule expression and the rule description information to obtain the preset combination content, and the correspondence between the preset combination content and the preset rate information is used as the rate rule engine. As shown in Table 1, the row data with the same content in the product column and the product code column can be used as information belonging to the same preset application scenario, and the above information includes the scenario description information, such as the first two columns in Table 1, and the preset combination content is such as the first four columns in Table 1.

[0090] It is understandable that different preset application scenarios can be clustered according to whether the contents in the product column and the product code column are the same, and whether the scenario description information belongs to each preset application scenario can be determined.

[0091] As shown in Table 1, each row from the second row to the fourth row in Table 1 corresponds to a rate rule, all rows from the second row to the fourth row correspond to a rate rule strategy, the rate rule strategy corresponds to the application scenario one by one, and one rate rule strategy can correspond to multiple rate rules.

[0092] The rate rule engine refers to multiple rate rule strategies corresponding to multiple application scenarios, and each rate rule strategy contains multiple rate rules in each application scenario.

[0093] After the step of configuring the rate rule engine, the rate information determination method further includes:

[0094] The enabling and disabling of the rate rule engine is controlled according to the rule enabling configuration state information and rule disabling configuration state information of the rate rule engine that have been cached in advance. If the rule needs to be enabled, the rule enabling configuration state information can be set to 1, and the rule disabling configuration state information is 0; if the rule needs to be disabled, the rule disabling configuration state information can be set to 1, and the rule enabling configuration state information is 0.

[0095] The configured rate rules and rate rule policies are enabled and published, and services are provided externally through the rate request interface. Rate rules and rate rule policies corresponding to other application scenarios can also be enabled and published, which will not be described in detail. The order of enabling and publishing is not specifically limited.

[0096] Check the rule logging menu to see if the rule call and execution are normal. A brief description of configuring the rate rule engine is as follows: Figure 3 shown.

[0097] The rate information determination method provided in the embodiment of the present invention can be implemented based on modularization, and specifically includes four functional modules, namely, a rule field maintenance module, a rule configuration module, a rule deployment and publishing module, and a rule log management module;

[0098] Among them, the rule field maintenance module includes the rule field interface maintenance function and the rule field import function; the rule configuration module includes the rule maintenance and rule policy maintenance functions; the rule deployment and release module includes the rule activation and deactivation and rule deployment and release functions; the rule log management module includes the rule log management function; the description is as follows:

[0099] 1. Rule field page maintenance function: It can realize the rate rule field maintenance function and provide field basis for subsequent rule writing. The maintenance function covers the rule field addition, deletion, modification and query functions; including: the table to which the field belongs, field name, field type, field value and other attributes.

[0100] 2. Rule field import function: It can realize the function of batch import of rule fields, and can realize batch import of rule fields through pre-made rule field import templates.

[0101] 3. Rule maintenance function: write specific rate rules according to the imported rule fields, including basic rule information, rule type, rule field selection, field value, field relationship, and operator configuration functions; at the same time, the default return result function of the rule can be configured.

[0102] 4. Rule strategy maintenance function: According to different rate matching scenarios, multiple single rules are aggregated to form a rule strategy to meet the rate requests of different scenarios and different processes and complete the rate approval.

[0103] 5. Rule deployment and publishing function: modify the configured rules and rule policies to the published status and provide services to the outside world.

[0104] 6. Rule activation and deactivation function: This function allows you to modify the rules and rule policy status in real time. After the rules are deactivated, they can be modified in real time and activated in real time. After activation, they can provide services to the outside world, achieving the purpose of real-time deployment of rules.

[0105] 7. Rule log management function: This function records the calling of system rate rules, and can view the calling of rate rules in real time. It can also count the number of rule hits, rule skips and other dimensional data through query conditions to provide a basis for adjusting rate rules.

[0106] Without changing the original business process, the present invention separates the rate configuration and batch running links to form a differentiated rate rule engine, which independently provides the business system with functions such as rate rule configuration, rate rule deployment, and rate approval. Compared with the previous unified pricing rate for all customers, the engine can more flexibly provide rate configuration functions for each product, implement tiered rate configuration rules according to customer pricing factors, and realize one rate for one customer.

[0107] The rate information determination method provided by the embodiment of the present invention has the following beneficial technical effects:

[0108] 1. Separate the rate rule engine and provide services through interface calls to reduce the impact on the business system.

[0109] 2. Dynamic configuration of rate rules. Through this engine, without modifying the code, the rate rules can be dynamically and flexibly configured according to different scenarios to achieve one rate for one customer.

[0110] 3. Rate rules are quickly deployed and take effect. The engine uses a rule caching mechanism, so rule modifications can be completed without interrupting service and take effect immediately, so it can be used quickly.

[0111] 4. The efficiency of rate approval has been significantly improved compared with the original process, and can support more business volume.

[0112] The method for determining rate information provided in an embodiment of the present invention obtains the incoming information of a business system, and determines the application scenario of a matching product according to the incoming information; calls a rate request interface to obtain a pre-configured rate rule engine, and obtains a rate rule strategy corresponding to the application scenario; wherein the rate rule strategy includes a correspondence between preset combination contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combination contents are obtained by combining the contents respectively corresponding to each scenario information item corresponding to the application scenario; determines the target combination contents to be provided to the customer, and determines the target rate information corresponding to the target combination contents according to the rate rule strategy, so as to efficiently realize the reasonable determination of product rates according to different customer needs.

[0113] Furthermore, the calling of the rate request interface to obtain a pre-configured rate rule engine and obtain a rate rule strategy corresponding to the application scenario includes:

[0114] Send a call request of the rate rule engine to the call rate request interface; refer to the above embodiment for description and will not be repeated here.

[0115] The request feedback message returned by the calling rate request interface according to the calling request is responded to; the request feedback message carries the rate rule strategy corresponding to the application scenario. The above-mentioned embodiment can be referred to for explanation and will not be described in detail.

[0116] The rate information determination method provided by the embodiment of the present invention can efficiently obtain the rate rule strategy corresponding to the application scenario.

[0117] Furthermore, the rate information determination method further includes:

[0118] Each time the target rate information is determined, the target rate rule used by the target rate information is recorded to obtain rate rule statistical record information; this can be described with reference to the above embodiment and will not be described in detail.

[0119] In response to the query action on the rate rule statistical record information according to the preset query conditions, a rate rule query result is obtained; the description can be made with reference to the above embodiment and will not be repeated here.

[0120] According to the rate rule query result, adjustment suggestion information for the rate rule strategy is generated. The above-mentioned embodiment can be referred to for explanation, and no further description is given.

[0121] The rate information determination method provided by the embodiment of the present invention can accurately generate adjustment suggestion information for the rate rule strategy.

[0122] Furthermore, the rate information determination method further includes:

[0123] In response to the confirmation action for the adjustment suggestion information, a prompt message for optimizing the configuration of the rate rule engine is generated; the prompt message carries the adjustment suggestion information. The above-mentioned embodiment can be referred to for explanation and will not be described in detail.

[0124] The rate information determination method provided by the embodiment of the present invention is helpful to optimize the configuration of the rate rule engine.

[0125] Further, configuring the rate rule engine includes:

[0126] Obtain the field information required to configure the rate rule engine; refer to the above embodiment for description and will not be repeated here.

[0127] According to the pre-acquired rule description document and the table type of the data table where the field information is located, the rule description information represented by the rule expression is generated, and an initial correspondence between the rule expression, the rule description information and the preset rate information is established; please refer to the above embodiment for description and no further details will be given.

[0128] According to the initial correspondence, the scenario description information belonging to each preset application scenario is combined with the rule expression and the rule description information to obtain a preset combination content, and the correspondence between the preset combination content and the preset rate information is used as the rate rule engine. The above-mentioned embodiment can be referred to for explanation and will not be repeated here.

[0129] The rate information determination method provided by the embodiment of the present invention can efficiently configure the rate rule engine.

[0130] Further, after the step of configuring the rate rule engine, the rate information determination method further includes:

[0131] The activation and deactivation of the rate rule engine is controlled according to the rule activation configuration state information and rule deactivation configuration state information of the rate rule engine that have been cached in advance.

[0132] The rate information determination method provided by the embodiment of the present invention can conveniently start and stop the rate control rule engine without restarting the device.

[0133] It should be noted that the rate information determination method provided in the embodiment of the present invention can be used in the financial field, and can also be used in any technical field other than the financial field. The embodiment of the present invention does not limit the application field of the rate information determination method.

[0134] Figure 4 FIG. 1 is a schematic diagram of a structure of a rate information determination device provided by an embodiment of the present invention. Figure 4 As shown, the rate information determination device provided by the embodiment of the present invention includes an acquisition unit 401, a calling unit 402 and a determination unit 403, wherein:

[0135] The acquisition unit 401 is used to obtain the incoming information of the business system, and determine the application scenario of the matching product according to the incoming information; the calling unit 402 is used to call the rate request interface to obtain the pre-configured rate rule engine, and obtain the rate rule strategy corresponding to the application scenario; wherein the rate rule strategy includes the correspondence between the preset combination content of each scenario information item corresponding to the application scenario and the preset rate information; the preset combination content is obtained by combining the contents corresponding to each scenario information item corresponding to the application scenario; the determination unit 403 is used to determine the target combination content provided to the customer, and determine the target rate information corresponding to the target combination content according to the rate rule strategy.

[0136] Specifically, the acquisition unit 401 in the device is used to obtain the incoming information of the business system, and determine the application scenario of the matching product according to the incoming information; the calling unit 402 is used to call the rate request interface to obtain the pre-configured rate rule engine, and obtain the rate rule policy corresponding to the application scenario; wherein the rate rule policy includes the correspondence between the preset combination content of each scenario information item corresponding to the application scenario and the preset rate information; the preset combination content is obtained by combining the contents corresponding to each scenario information item corresponding to the application scenario; the determination unit 403 is used to determine the target combination content provided to the customer, and determine the target rate information corresponding to the target combination content according to the rate rule policy.

[0137] Furthermore, the calling unit 402 is specifically used for:

[0138] Sending a call request of the rate rule engine to the call rate request interface;

[0139] Respond to the request feedback message returned by the calling rate request interface according to the calling request; the request feedback message carries the rate rule policy corresponding to the application scenario.

[0140] The rate information determination device provided by the embodiment of the present invention can efficiently obtain the rate rule strategy corresponding to the application scenario.

[0141] Furthermore, the rate information determining device is also used for:

[0142] Each time the target rate information is determined, a target rate rule used by the target rate information is recorded to obtain rate rule statistical record information;

[0143] In response to a query action on the rate rule statistical record information according to a preset query condition, a rate rule query result is obtained;

[0144] Generate adjustment suggestion information for the rate rule policy according to the rate rule query result.

[0145] The rate information determination device provided by the embodiment of the present invention can accurately generate adjustment suggestion information for the rate rule strategy.

[0146] Furthermore, the rate information determination device is also specifically used for:

[0147] In response to a confirmation action for the adjustment suggestion information, a prompt message for optimizing the configuration of the rate rule engine is generated; the prompt message carries the adjustment suggestion information.

[0148] The rate information determination device provided by the embodiment of the present invention is helpful to optimize the configuration of the rate rule engine.

[0149] Furthermore, the rate information determination device is also used to: configure the rate rule engine, including:

[0150] Obtaining field information required to configure the rate rule engine;

[0151] Generate rule description information represented by a rule expression according to a pre-acquired rule description document and a table type of a data table where the field information is located, and establish an initial correspondence between the rule expression, the rule description information and the preset rate information;

[0152] According to the initial correspondence, the scenario description information belonging to each preset application scenario is combined with the rule expression and the rule description information to obtain preset combination content, and the correspondence between the preset combination content and the preset rate information is used as the rate rule engine.

[0153] The rate information determination device provided by the embodiment of the present invention helps to conveniently call the rate rule engine.

[0154] Further, after the step of configuring the rate rule engine, the rate information determination device is further used to:

[0155] The enabling and disabling of the rate rule engine is controlled according to the rule enabling configuration state information and the rule disabling configuration state information pre-cached on the rate rule engine.

[0156] The rate information determination device provided in the embodiment of the present invention can conveniently start and stop the rate control rule engine without restarting the device.

[0157] The rate information determination device provided in the embodiment of the present invention obtains the incoming information of the business system, determines the application scenario of the matching product according to the incoming information; calls the rate request interface to obtain the pre-configured rate rule engine, and obtains the rate rule strategy corresponding to the application scenario; wherein the rate rule strategy includes the correspondence between the preset combination content of each scenario information item corresponding to the application scenario and the preset rate information; the preset combination content is obtained by combining the contents corresponding to each scenario information item corresponding to the application scenario; determines the target combination content to be provided to the customer, and determines the target rate information corresponding to the target combination content according to the rate rule strategy, which can efficiently realize the reasonable determination of product rates according to different customer needs.

[0158] The embodiment of the rate information determination device provided in the embodiment of the present invention can be specifically used to execute the processing flow of the above-mentioned method embodiments. Its functions are not repeated here, and reference can be made to the detailed description of the above-mentioned method embodiments.

[0159] Figure 5 A schematic diagram of the physical structure of an electronic device provided by an embodiment of the present invention, such as Figure 5 As shown, the electronic device includes: a processor (processor) 501, a memory (memory) 502 and a bus 503;

[0160] The processor 501 and the memory 502 communicate with each other via a bus 503;

[0161] The processor 501 is used to call the program instructions in the memory 502 to execute the methods provided by the above method embodiments, for example, including:

[0162] Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information;

[0163] Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0164] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0165] The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

[0166] This embodiment discloses a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium. The computer program includes program instructions. When the program instructions are executed by a computer, the computer can perform the methods provided by the above method embodiments, for example, including:

[0167] Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information;

[0168] Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0169] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0170] The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

[0171] This embodiment provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program enables the computer to execute the methods provided by the above method embodiments, for example, including:

[0172] Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information;

[0173] Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario;

[0174] The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario;

[0175] The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

[0176] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0177] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0178] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0179] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0180] In the description of this specification, the description with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0181] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for determining rate information, characterized in that: include: Obtaining incoming application information from a business system, and determining application scenarios of matching products based on the incoming application information; Calling the rate request interface to obtain a pre-configured rate rule engine, and obtaining a rate rule strategy corresponding to the application scenario; The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario; The target combined content provided to the customer is determined, and the target rate information corresponding to the target combined content is determined according to the rate rule policy.

2. The rate information determination method according to claim 1, characterized in that: The calling of the rate request interface to obtain a pre-configured rate rule engine and obtain a rate rule strategy corresponding to the application scenario includes: Sending a call request of the rate rule engine to the call rate request interface; Respond to the request feedback message returned by the calling rate request interface according to the calling request; the request feedback message carries the rate rule policy corresponding to the application scenario.

3. The rate information determination method according to claim 1, characterized in that: The rate information determination method further includes: Each time the target rate information is determined, a target rate rule used by the target rate information is recorded to obtain rate rule statistical record information; In response to a query action on the rate rule statistical record information according to a preset query condition, a rate rule query result is obtained; Generate adjustment suggestion information for the rate rule policy according to the rate rule query result.

4. The rate information determination method according to claim 3, characterized in that: The rate information determination method further includes: In response to a confirmation action for the adjustment suggestion information, a prompt message for optimizing the configuration of the rate rule engine is generated; the prompt message carries the adjustment suggestion information.

5. The rate information determination method according to any one of claims 1 to 4, characterized in that: Configuring the rate rule engine includes: Obtaining field information required to configure the rate rule engine; Generate rule description information represented by a rule expression according to a pre-acquired rule description document and a table type of a data table where the field information is located, and establish an initial correspondence between the rule expression, the rule description information and the preset rate information; According to the initial correspondence, the scenario description information belonging to each preset application scenario is combined with the rule expression and the rule description information to obtain preset combination content, and the correspondence between the preset combination content and the preset rate information is used as the rate rule engine.

6. The rate information determination method according to claim 5, characterized in that: After the step of configuring the rate rule engine, the rate information determination method further includes: The enabling and disabling of the rate rule engine is controlled according to the rule enabling configuration state information and the rule disabling configuration state information pre-cached on the rate rule engine.

7. A rate information determination device, characterized in that: include: An acquisition unit, used to acquire incoming information of a business system, and determine an application scenario of a matching product according to the incoming information; A calling unit, configured to call a rate request interface to obtain a pre-configured rate rule engine, and obtain a rate rule strategy corresponding to the application scenario; The rate rule strategy includes a correspondence between preset combined contents of each scenario information item corresponding to the application scenario and preset rate information; the preset combined contents are obtained by combining contents corresponding to each scenario information item corresponding to the application scenario; The determination unit is used to determine the target combined content provided to the customer, and determine the target rate information corresponding to the target combined content according to the rate rule strategy.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

9. 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 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

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