Resource transfer deadline processing method and device, computer equipment, readable storage medium and program product
By using historical transaction data and object credit value models to calibrate the resource transfer period, the problem of low accuracy of term confirmation in the prior art is solved, and higher accuracy and accuracy are achieved.
Patent Information
- Application Number
- CN202411665393.8
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-20
- Publication Date
- 2025-02-28
AI Technical Summary
In the prior art, the accuracy of confirming the resource transfer period is low, mainly due to the reliance on human experience and approval process.
By obtaining the historical transaction data of the pending object, the initial resource transfer period is generated, and the object credit value model is used to calibrate the initial period based on the target credit value to generate a more accurate target resource transfer period.
It improves the accuracy of confirming the resource transfer period, reduces artificial errors, and achieves more accurate deadline determination.
Smart Images
Figure CN119539737A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of computer technology, and in particular to a resource transfer deadline processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product. Background Art
[0002] With the continuous development of computer technology, more and more users use computer technology to achieve various types of business management, including the control of resource transfer deadlines in transaction business.
[0003] In the related art, the confirmation of resource transfer deadline is generally determined manually based on experience and approved through an approval process. However, the resource transfer deadline determined manually and approved through an approval process is usually less accurate. Summary of the invention
[0004] Based on this, it is necessary to provide a resource transfer deadline processing method, apparatus, computer equipment, computer-readable storage medium and computer program product that can improve the accuracy of resource transfer deadline confirmation in response to the above technical problems.
[0005] In a first aspect, the present application provides a method for processing a resource transfer deadline, the method comprising:
[0006] Obtaining the object identifier of the object to be processed, and determining the historical transaction data of the object to be processed, as well as the historical resource transfer requirement period and the actual date of historical resource transfer corresponding to the historical transaction data, according to the object identifier;
[0007] Generate the initial resource transfer deadline corresponding to the object to be processed based on the historical resource transfer requirement deadline and the historical resource transfer actual date;
[0008] Input the historical transaction data into the pre-generated object credit value model, and obtain the target credit value corresponding to the object to be processed output by the object credit value model;
[0009] A target resource transfer deadline for the object to be processed is generated according to the target credit value and the initial resource transfer deadline.
[0010] In one embodiment, an initial resource transfer deadline corresponding to the object to be processed is generated based on the historical resource transfer requirement deadline and the historical resource transfer actual date, including: determining the number of historical resource transfer overdue dates based on the historical resource transfer requirement deadline and the historical resource transfer actual date; determining the historical overdue rate corresponding to the object to be processed based on the number of historical resource transfer overdue dates and the number of historical transactions corresponding to the historical transaction data; determining the object type of the object to be processed based on the object identifier, and obtaining the account period parameters based on the object type; generating the initial resource transfer deadline based on the historical overdue rate and the account period parameters.
[0011] In one of the embodiments, a target resource transfer period is generated based on a target credit value and an initial resource transfer period, including: when the target credit value is less than a preset minimum credit value threshold, obtaining first adjustment strategy data; adjusting the initial resource transfer period according to the first adjustment strategy data to generate a target resource transfer period; wherein the target resource transfer period adjusted using the first adjustment strategy is less than the initial resource transfer period.
[0012] In an optional embodiment, first adjustment policy data is obtained; an initial resource transfer period is adjusted according to the first adjustment policy to generate a target resource transfer period, including: obtaining a reduction coefficient according to an object identifier; and adjusting the initial resource transfer period according to the reduction coefficient and a target credit value to obtain a target resource transfer period.
[0013] In an exemplary embodiment, a target resource transfer period is generated based on a target credit value and an initial resource transfer period, including: when the target credit value is greater than a preset maximum credit value threshold, obtaining second adjustment policy data; adjusting the initial resource transfer period according to the second adjustment policy data to generate a target resource transfer period; wherein the target resource transfer period adjusted using the second adjustment policy is greater than the initial resource transfer period.
[0014] In one embodiment, second adjustment policy data is obtained, and the initial resource transfer period is adjusted according to the second adjustment policy to generate a target resource transfer period, including: obtaining an expansion coefficient according to an object identifier; adjusting the initial resource transfer period according to the expansion coefficient and a target credit value to obtain a target resource transfer period.
[0015] In a second aspect, the present application further provides a resource transfer deadline processing device, including:
[0016] A historical data acquisition module, used to acquire the object identifier of the object to be processed, and determine the historical transaction data of the object to be processed according to the object identifier, as well as the historical resource transfer requirement period and the actual date of historical resource transfer corresponding to the historical transaction data;
[0017] An initial deadline generation module, used to generate an initial resource transfer deadline corresponding to the object to be processed according to the historical resource transfer requirement deadline and the historical resource transfer actual date;
[0018] The credit value generation module is used to input the historical transaction data into the pre-generated object credit value model, and obtain the target credit value corresponding to the object to be processed output by the object credit value model. The object credit value model is a binary classification model, and the object credit value model is generated after training based on the feature data corresponding to the historical transaction data and the portrait data of the object to be processed;
[0019] The target deadline generation module is used to generate a target resource transfer deadline for the object to be processed according to the target credit value and the initial resource transfer deadline.
[0020] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above-mentioned method embodiments when executing the computer program.
[0021] In a fourth aspect, the present application further provides a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the steps of the above-mentioned method embodiments are implemented.
[0022] In a fifth aspect, the present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned method embodiments when executed by a processor.
[0023] The above-mentioned resource transfer deadline processing method, device, computer equipment, computer-readable storage medium and computer program product first generate the initial resource transfer deadline corresponding to the object to be processed based on the historical resource transfer requirement deadline and the actual date of the historical resource transfer, and then use the object credit value model to generate a target credit value based on the historical transaction data of the object to be processed, so as to achieve targeted calibration of the initial resource transfer deadline to obtain a more accurate target resource transfer deadline, and then determine the corresponding target resource transfer deadline based on the object identifier in a targeted manner, thereby improving the accuracy of determining the target resource transfer deadline. BRIEF DESCRIPTION OF THE DRAWINGS
[0024] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.
[0025] FIG1 is an application environment diagram of a resource transfer deadline processing method in one embodiment;
[0026] Figure 2 A schematic diagram of a process flow of a resource transfer deadline processing method in one embodiment;
[0027] Figure 3 A schematic diagram of a flow chart of a method for processing resource transfer deadlines in another embodiment;
[0028] Figure 4 A schematic diagram of a flow chart of a method for processing resource transfer deadlines in yet another embodiment;
[0029] Figure 5 is a structural block diagram of a resource transfer deadline processing device in an embodiment;
[0030] FIG. 6 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION
[0031] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.
[0032] The resource transfer deadline processing method provided in the embodiment of the present application can be applied to the application environment shown in Figure 1. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The terminal 102 initiates a resource transfer deadline processing request, wherein the resource transfer deadline processing request carries the object identifier of the object to be processed, and the server 104 obtains the object identifier of the object to be processed, and determines the historical transaction data of the object to be processed according to the object identifier, as well as the resource transfer requirement deadline and the actual date of the historical resource transfer corresponding to the historical transaction data; according to the historical resource transfer requirement deadline and the actual date of the historical resource transfer, the initial resource transfer deadline corresponding to the object to be processed is generated; the historical transaction data is input into the pre-generated object credit value model, and the target credit value corresponding to the object to be processed output by the object credit value model is obtained; according to the target credit value and the initial resource transfer deadline, the target resource transfer deadline is generated. The terminal 102 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, IoT devices, and portable wearable devices. The IoT devices may be smart speakers, smart TVs, smart air conditioners, smart car devices, projection devices, etc. Portable wearable devices may be smart watches, smart bracelets, head-mounted devices, etc. Head-mounted devices may be virtual reality (VR) devices, augmented reality (AR) devices, smart glasses, etc. The server 104 may be an independent physical server, a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides cloud computing services.
[0033] In an exemplary embodiment, Figure 2 As shown, a method for processing resource transfer deadline is provided, and the method is applied to the server in FIG. 1 as an example for description, including the following steps 202 to 208. Among them:
[0034] Step 202, obtaining the object identifier of the object to be processed, and determining the historical transaction data of the object to be processed, as well as the historical resource transfer requirement period and the historical resource transfer actual date corresponding to the historical transaction data, according to the object identifier.
[0035] Among them, the objects to be processed are used to represent the objects corresponding to the resource transfer deadline processing, such as hospitals, enterprises, pharmacies, etc.
[0036] The object identifier is used to identify the object to be processed. Optionally, the object identifier can be account information, ID card information, enterprise information, etc., as long as it can be used to determine the object to be processed, and there is no limitation on this.
[0037] The resource transfer deadline is used to represent the specified deadline for completing the resource transfer. Exemplarily, the resource transfer deadline may be an account period. Optionally, different objects to be processed may have different resource transfer deadlines.
[0038] In one embodiment, the terminal may initiate a resource transfer deadline processing request. Optionally, after receiving the resource transfer deadline processing request sent by the terminal, the server performs processing according to the resource transfer deadline processing request, such as determining the resource transfer deadline or adjusting the resource transfer deadline.
[0039] In one embodiment, the resource transfer deadline processing request may include an object identifier of the object to be processed. Optionally, after receiving the resource transfer deadline processing request, the server may obtain the object identifier from the resource transfer deadline processing request, obtain data required for resource transfer deadline processing according to the object identifier, and process the resource transfer deadline based on the obtained data, for example, obtain historical data of the object to be processed, and process the resource transfer deadline of the object to be processed according to the historical data.
[0040] In an optional embodiment, a resource transfer deadline processing request control can be set on the terminal. The user triggers the resource transfer deadline processing request control through the terminal to generate a resource transfer deadline processing request. The terminal can send the generated resource transfer deadline processing request to the server so that the server can process the resource transfer deadline according to the received resource transfer deadline processing request.
[0041] In one embodiment, the historical resource transfer requirement period and the historical resource transfer actual date corresponding to the historical transaction data can be obtained to determine the historical resource transfer overdue situation according to the historical resource transfer requirement period and the historical resource transfer actual date, and generate a target resource transfer period according to the historical resource transfer overdue situation. Exemplarily, the historical resource transfer overdue rate is determined according to the historical resource transfer requirement period and the historical resource transfer actual date, and the target resource transfer period is generated according to the historical resource transfer overdue rate.
[0042] Exemplarily, an overdue rate threshold is set. When the historical resource transfer overdue rate is greater than the overdue rate threshold, the original resource transfer period can be adjusted down based on the original resource transfer period of the object to be processed to obtain the target resource transfer period. Optionally, when the historical resource transfer overdue rate is less than the overdue rate threshold, the original resource transfer period can be adjusted up based on the original transfer period of the object to be processed to obtain the target resource transfer period. Optionally, when the historical resource transfer overdue is equal to the overdue rate threshold, the original transfer period of the object to be processed may not be adjusted.
[0043] Optionally, the overtime rate threshold can be a range, including a minimum overtime rate threshold and a maximum overtime rate threshold. The historical resource transfer overtime rate greater than the overtime rate threshold can be expressed as the historical resource transfer overtime rate greater than the maximum overtime rate threshold. The historical resource transfer overtime rate less than the overtime rate threshold can be expressed as the historical resource transfer overtime rate less than the minimum overtime rate threshold. The historical resource transfer overtime equal to the overtime rate threshold can be expressed as the historical resource transfer overtime rate greater than or equal to the minimum overtime rate threshold.
[0044] Step 204: Generate an initial resource transfer deadline corresponding to the object to be processed according to the historical resource transfer requirement deadline and the historical resource transfer actual date.
[0045] In one embodiment, the initial resource transfer deadline may be generated according to the historical resource transfer requirement deadline and the historical resource transfer actual date.
[0046] In one embodiment, the historical resource transfer overdue rate may be determined according to the historical resource transfer required period and the historical resource transfer actual date, and the initial resource transfer period may be generated according to the historical resource transfer overdue rate.
[0047] Exemplarily, the number of historical resource transfer overdues can be determined based on the historical resource transfer requirement period and the actual date of historical resource transfer; the historical overdue rate corresponding to the object to be processed can be determined based on the number of historical resource transfer overdues and the number of historical transactions corresponding to the historical transaction data; the object type of the object to be processed can be determined based on the object identifier, and the account period parameters can be obtained based on the object type; and the initial resource transfer period can be generated based on the historical overdue rate and the account period parameters.
[0048] In an optional embodiment, a calculation formula for the initial resource transfer deadline may be pre-generated, and the initial resource transfer deadline may be generated according to the calculation formula.
[0049] Optionally, the calculation formula for the initial resource transfer period may be:
[0050]
[0051] Among them, P is the initial resource transfer account period, F is the function, X and n are account period parameters, and RATE is the historical overdue rate.
[0052] In one embodiment, n is a real number between 1 and 2. Alternatively, n may be determined according to the object type.
[0053] Optionally, the function F may be a percentile_approx function.
[0054] In one embodiment, the object type of the object to be processed may be determined according to the object identifier, and the calculation coefficient may be determined according to the object type.
[0055] Step 206: input the historical transaction data into the pre-generated object credit value model, and obtain the target credit value corresponding to the object to be processed output by the object credit value model.
[0056] The object credit value model is used to determine the credit value data of the object to be processed.
[0057] In one embodiment, the object credit value model is a binary classification model. Optionally, the object credit value model output value may be 0 or 1.
[0058] In one of the embodiments, the object credit value model is generated after training based on feature data corresponding to historical transaction data and portrait data of the object to be processed.
[0059] Optionally, historical data of all objects corresponding to the institution may be obtained, and the credit value model may be generated using the historical data of all objects.
[0060] Among them, the organization is the user who generates the resource transfer deadline for the object to be processed, for example, a pharmaceutical company.
[0061] Optionally, all objects corresponding to the organization may be objects with which resources are transferred. For example, when the organization is a pharmaceutical company, all objects corresponding to the organization may be pharmacies, hospitals, and the like.
[0062] In one embodiment, the historical data of all objects corresponding to the organization may include but are not limited to order accounts, return data, order amounts, number of orders, order amounts and number of orders of different categories, registered capital of downstream customers of external data, customer types, operating conditions, etc. of customers in different historical periods.
[0063] In an optional embodiment, after obtaining the historical transaction data of all objects corresponding to the institution, the historical transaction data may be pre-processed such as denoising, and then model training may be performed based on the historical transaction data to obtain at least one credit value model.
[0064] Optionally, it is also possible to obtain portrait data of all objects corresponding to the organization, and generate a credit value model using the portrait data and historical data of all objects corresponding to the organization.
[0065] Optionally, the portrait data may include but is not limited to registered capital, customer type, etc.
[0066] In one embodiment, there may be multiple object credit value models.
[0067] Optionally, multiple binary classification models such as xgb, svm, linear regression, and NN network can be trained separately to generate multiple binary classification models.
[0068] In one embodiment, historical transaction data of the object to be processed may be obtained and input into the object credit value model to determine the target credit value of the object to be processed.
[0069] Optionally, portrait data of the object to be processed may also be obtained, and the portrait data may be input into the object credit value model so as to determine the target credit value of the object to be processed.
[0070] Optionally, the historical transaction data and portrait data of the object to be processed may also be input into the object credit value model together to determine the target credit value of the object to be processed.
[0071] In an optional embodiment, if there are multiple object credit value models, the historical transaction data and / or portrait data of the object to be processed can be input into each object credit value model respectively, and the credit value output by each object credit value model can be obtained, and the target credit value can be determined based on the credit value output by each object credit value model. Exemplarily, the credit average value is determined based on the credit value output by each object credit value model, and the credit average value is used as the target credit value.
[0072] In one embodiment, the historical transaction data of the object to be processed may include but is not limited to order accounts, return data, order amounts, number of orders, order amounts and number of orders in different categories in different historical periods; external data such as registered capital of downstream customers, customer type, operating conditions, etc.
[0073] Optionally, the portrait data of the object to be processed may include but is not limited to registered capital and customer type.
[0074] In an optional embodiment, when using the object credit value model to determine the target credit value of the object to be processed, an odd number of credit value models may be selected.
[0075] Optionally, a feedback control may be generated, and the user may use the feedback control to provide feedback on the credit value generated by the credit value model so as to select or discard the credit value model, so as to improve the accuracy of the target credit value obtained based on the credit value model, thereby improving the accuracy of the resource transfer deadline generation.
[0076] Step 208: Generate a target resource transfer deadline for the object to be processed according to the target credit value and the initial resource transfer deadline.
[0077] In one embodiment, a credit value threshold may be preset, and the preset credit value threshold and the target credit value may be used to determine whether to adjust the initial resource transfer period.
[0078] Optionally, a minimum credit value threshold may be preset, and when the target credit value is less than the preset minimum credit value threshold, the initial resource transfer period is adjusted to obtain a target resource transfer period.
[0079] Optionally, a maximum credit value threshold may be preset, and when the target credit value is greater than the preset maximum credit value threshold, the initial resource transfer period is adjusted to obtain the target resource transfer period.
[0080] Optionally, when the target credit value is greater than or equal to the minimum credit value threshold, but less than or equal to the maximum credit value threshold, the initial resource transfer period may not be adjusted, and the initial resource transfer period may be used as the target resource transfer period.
[0081] In one embodiment, the first adjustment policy data may be preset. Optionally, when the target credit value is less than a preset minimum credit value threshold, the first adjustment policy data is used to adjust the initial resource transfer period so that the target resource transfer period obtained by adjusting the first adjustment policy is less than the initial resource transfer period. Optionally, when the target credit value is less than a preset minimum credit value threshold, the first adjustment policy data is obtained; the initial resource transfer period is adjusted according to the first adjustment policy data to generate a target resource transfer period.
[0082] In an optional embodiment, second adjustment policy data may also be preset. Optionally, when the target credit value is greater than the highest credit value threshold, the second adjustment policy data is used to adjust the initial resource transfer period so that the target resource transfer period adjusted by the second adjustment policy is greater than the initial resource transfer period. Optionally, when the target credit value is greater than the preset highest credit value threshold, the second adjustment policy data is obtained; the initial resource transfer period is adjusted according to the second adjustment policy data to generate the target resource transfer period.
[0083] In one embodiment, first adjustment policy data is obtained; an initial resource transfer period is adjusted according to the first adjustment policy to generate a target resource transfer period, including: obtaining a reduction coefficient according to an object identifier; adjusting the initial resource transfer period according to the reduction coefficient and a target credit value to obtain a target resource transfer period.
[0084] The reduction coefficient is used to reduce the initial resource transfer period so that the generated target resource transfer period is less than the initial resource transfer period.
[0085] Optionally, the object type may be obtained according to the object identifier, and the reduction factor may be obtained according to the object type.
[0086] In one embodiment, the reduction factor may be a real number greater than 0, such as 30.
[0087] In an optional embodiment, the reduction coefficient may be a reduction ratio, and the target resource transfer period is determined using the reduction ratio and the initial resource transfer period. For example, if the reduction coefficient is 0.9, the target resource transfer period may be 0.9×the initial resource transfer period.
[0088] Optionally, the reduction factor may be a fixed value or a non-fixed value.
[0089] Optionally, the reduction factor may be determined based on the target credit value and a preset minimum credit value threshold. For example, the difference between the target credit value and the preset minimum credit value threshold may be determined, and the reduction factor may be determined based on the difference.
[0090] Optionally, the initial resource transfer period is adjusted using the reduction coefficient so that the target resource transfer period is less than the initial resource transfer period. The initial resource transfer period minus the reduction coefficient may be obtained by multiplying the initial resource transfer period minus the reduction coefficient by the target credit value.
[0091] In one of the embodiments, second adjustment policy data is obtained, and the initial resource transfer period is adjusted according to the second adjustment policy to generate a target resource transfer period, including: obtaining an expansion coefficient according to an object identifier; and adjusting the initial resource transfer period according to the expansion coefficient and a target credit value to obtain a target resource transfer period.
[0092] The expansion coefficient is used to expand the initial resource transfer period so that the generated target resource transfer period is greater than the initial resource transfer period.
[0093] Optionally, the object type may be determined according to the object identifier, and the expansion coefficient may be obtained according to the object type.
[0094] In one embodiment, the expansion factor may be a real number greater than 0, such as 30.
[0095] In an optional embodiment, the expansion factor may be a reduction ratio, and the target resource transfer period is determined using the expansion ratio and the initial resource transfer period. For example, if the expansion factor is 1.1, the target resource transfer period may be 1.1× the initial resource transfer period.
[0096] Optionally, the expansion coefficient may be a fixed value or a non-fixed value.
[0097] Optionally, the expansion factor may be determined based on the target credit value and a preset maximum credit value threshold. For example, the difference between the target credit value and the preset maximum credit value threshold may be determined, and the expansion factor may be determined based on the difference.
[0098] Optionally, the initial resource transfer period is adjusted using the expansion coefficient so that the target resource transfer period is greater than the initial resource transfer period by adding the reduction coefficient to the initial resource transfer period or by adding the reduction coefficient to the initial resource transfer period and then multiplying it by the target credit value.
[0099] In one embodiment, when the target credit value is greater than or equal to the minimum credit value threshold and less than or equal to the maximum credit value threshold, the initial resource transfer period may not be adjusted. Optionally, the initial resource transfer period may be used as the target resource transfer period.
[0100] In one embodiment, before processing the resource transfer deadline of the object to be processed, the historical data of all objects corresponding to the organization can also be processed to understand the data trend of all objects corresponding to the organization, so as to realize the setting of calculation parameters, reduction coefficients, expansion coefficients, maximum credit value thresholds, minimum credit value thresholds, etc. corresponding to the object type.
[0101] In one of the embodiments, object types of all objects corresponding to the organization are obtained, and historical data are divided based on the object types to obtain historical data corresponding to the object types.
[0102] In one embodiment, the historical data corresponding to the object type may be debiased to obtain more reliable data.
[0103] Optionally, the debiasing method may include but is not limited to Z-Score (standard score), IQR (interquartile range), Isolation Forest, and LOF (Local Outlier Factor, outlier detection algorithm).
[0104] In one embodiment, after debiasing the historical data corresponding to the object type, the regularity of the historical data corresponding to the object type can be obtained by using a statistical method. For example, the statistical method may include but is not limited to the number of resource transfer deadlines, the average value of resource transfer deadlines, the variance of resource transfer deadlines, etc.
[0105] The resource transfer deadline quantile is a numerical point into which the probability distribution range of the resource transfer deadline data is divided into several equal parts. Optionally, the resource transfer deadline quantile may include but is not limited to 01, 0.1, 0.2, 0.3, 0.4, 0.5, 0.6, 0.7, 0.8, 0.9, 0.99. Optionally, the calculation parameter corresponding to the object type may be determined according to the resource transfer deadline quantile.
[0106] The resource transfer period average value is used to determine the average value of the resource transfer period corresponding to the object type. Optionally, the resource transfer period average value can be used as the initial resource transfer period of the object type, so that when the object type cannot be determined according to the object identifier of the object to be processed, the resource transfer period average value can be used as the initial resource transfer period of the object to be processed.
[0107] The resource transfer deadline variance is used to determine the fluctuation of resource transfer deadlines of different object types. Optionally, the minimum credit value threshold and the maximum credit value threshold can be determined according to the resource transfer deadline variance.
[0108] In the above-mentioned resource transfer period processing method, the historical resource transfer requirement period and the historical resource transfer actual date can be used to generate the initial resource transfer period corresponding to the object to be processed, and further combined with the target credit value generated based on the historical transaction data of the object to be processed through the object credit value model, so as to achieve targeted calibration of the initial resource transfer period to obtain a more accurate target resource transfer period, and then determine the corresponding target resource transfer period based on the object identifier in a targeted manner, thereby improving the accuracy of determining the target resource transfer period.
[0109] In an exemplary embodiment, Figure 3 As shown, a method for processing resource transfer deadline is provided, and the method is applied to the server in FIG. 1 as an example for description, including the following steps 302 to 320. Among them:
[0110] Step 302, obtaining the object identifier of the object to be processed, and determining the historical transaction data of the object to be processed, as well as the historical resource transfer requirement period and the historical resource transfer actual date corresponding to the historical transaction data, according to the object identifier.
[0111] Step 304: Generate an initial resource transfer deadline corresponding to the object to be processed according to the historical resource transfer required deadline and the historical resource transfer actual date.
[0112] Step 306: input the historical transaction data into the pre-generated object credit value model, and obtain the target credit value corresponding to the object to be processed output by the object credit value model.
[0113] Optionally, the object credit value model is a binary classification model.
[0114] Step 308 , determining whether the target credit value is less than a preset minimum credit value threshold, if so, executing step 310 , if not, executing step 314 .
[0115] Step 310: Obtain a reduction factor according to the object identifier.
[0116] Step 312, adjusting the initial resource transfer period according to the reduction coefficient and the target credit value to obtain the target resource transfer period of the object to be processed.
[0117] The target resource transfer deadline adjusted using the first adjustment strategy is smaller than the initial resource transfer deadline.
[0118] Step 314 , determining whether the target credit value is greater than a preset maximum credit value threshold, if so, executing step 316 , if not, executing step 320 .
[0119] Step 316, obtaining the expansion coefficient according to the object identifier.
[0120] Step 318, adjusting the initial resource transfer period according to the expansion coefficient and the target credit value to obtain the target resource transfer period of the object to be processed.
[0121] Step 320: Using the initial resource transfer deadline as the target resource transfer deadline of the object to be processed.
[0122] In this embodiment, the initial resource transfer period corresponding to the object to be processed can be generated based on the historical resource transfer requirement period and the actual date of historical resource transfer, and further combined with the target credit value generated based on the historical transaction data of the object to be processed through the object credit value model, so that the calibration of the initial resource transfer period can be implemented in a targeted manner to obtain a more accurate target resource transfer period, and then the corresponding target resource transfer period can be determined based on the object identifier in a targeted manner to improve the accuracy of the determination of the target resource transfer period. Moreover, when the initial resource transfer period is calibrated using the target credit value, if the target credit value is less than the minimum credit value threshold, the initial resource transfer period is reduced by the reduction coefficient so that the target resource transfer period is less than the initial resource transfer period, and when the target credit value is greater than the maximum credit value threshold, the initial resource transfer period can be expanded by the expansion coefficient so that the target resource transfer period is greater than the initial resource transfer period, so that the resource transfer period of the object to be processed can be calibrated in a targeted manner based on the target credit value of the object to be processed to obtain a more accurate target resource transfer period.
[0123] In an exemplary embodiment, Figure 4 As shown, a resource transfer deadline processing method is provided, and the method is applied to the server in FIG. 1 as an example for description, including the following steps 402 to 320. Among them:
[0124] Step 402, obtaining the object identifier of the object to be processed, and determining the historical transaction data of the object to be processed, as well as the historical resource transfer requirement period and the historical resource transfer actual date corresponding to the historical transaction data, according to the object identifier.
[0125] Step 404: Determine the number of overdue historical resource transfers according to the required period for historical resource transfer and the actual date of historical resource transfer.
[0126] Step 406, determining the historical overdue rate corresponding to the object to be processed according to the historical resource transfer overdue number and the historical transaction number corresponding to the historical transaction data.
[0127] Step 408: determine the object type of the object to be processed according to the object identifier, and obtain calculation parameters based on the object type.
[0128] Step 410: Generate an initial resource transfer deadline based on the historical overdue rate and calculation parameters.
[0129] Step 412: Generate a target credit value corresponding to the object to be processed based on the historical transaction data and the pre-generated object credit value model.
[0130] Optionally, the object credit value model is a binary classification model, and the object credit value model is generated after training based on feature data corresponding to historical transaction data and portrait data of the object to be processed.
[0131] Step 414: Generate a target resource transfer deadline for the object to be processed according to the target credit value and the initial resource transfer deadline.
[0132] In this embodiment, the historical resource transfer requirement period and the actual date of historical resource transfer can be used to generate an initial resource transfer period corresponding to the object to be processed, and further combined with the target credit value generated based on the historical transaction data of the object to be processed through the object credit value model, the initial resource transfer period can be calibrated in a targeted manner to obtain a more accurate target resource transfer period, and then the corresponding target resource transfer period can be determined based on the object identifier in a targeted manner, thereby improving the accuracy of the determination of the target resource transfer period.
[0133] It should be understood that, although the steps in the flowcharts involved in the above embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above embodiments may include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.
[0134] Based on the same inventive concept, the embodiment of the present application also provides a resource transfer deadline processing device for implementing the resource transfer deadline processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more resource transfer deadline processing device embodiments provided below can refer to the limitations of the resource transfer deadline processing method above, and will not be repeated here.
[0135] In an exemplary embodiment, Figure 5 As shown, a resource transfer deadline processing device 500 is provided, comprising: a historical data acquisition module 502, an initial deadline generation module 504, a credit value generation module 506 and a target deadline generation module 508, wherein:
[0136] The historical data acquisition module 502 is used to acquire the object identifier of the object to be processed, and determine the historical transaction data of the object to be processed according to the object identifier, as well as the historical resource transfer requirement period and the historical resource transfer actual date corresponding to the historical transaction data.
[0137] The initial deadline generation module 504 is used to generate an initial resource transfer deadline corresponding to the object to be processed according to the historical resource transfer required deadline and the historical resource transfer actual date.
[0138] The credit value generation module 506 is used to input the historical transaction data into the pre-generated object credit value model, and obtain the target credit value corresponding to the object to be processed output by the object credit value model.
[0139] The target deadline generation module 508 is used to generate a target resource transfer deadline of the object to be processed according to the target credit value and the initial resource transfer deadline.
[0140] In one embodiment, the initial deadline generation module 504 is also used to determine the number of historical resource transfer overdue dates based on the historical resource transfer requirement deadline and the actual date of the historical resource transfer; determine the historical overdue rate corresponding to the object to be processed based on the number of historical resource transfer overdue dates and the number of historical transactions corresponding to the historical transaction data; determine the object type of the object to be processed based on the object identifier, and obtain the account period parameters based on the object type; generate the initial resource transfer deadline based on the historical overdue rate and the account period parameters.
[0141] In one embodiment, the target deadline generation module 508 is also used to obtain first adjustment strategy data when the target credit value is less than a preset minimum credit value threshold; adjust the initial resource transfer deadline according to the first adjustment strategy data to generate a target resource transfer deadline; wherein the target resource transfer deadline adjusted using the first adjustment strategy is less than the initial resource transfer deadline.
[0142] In one embodiment, the target deadline generation module 508 is further configured to obtain a reduction coefficient according to the object identifier; and adjust the initial resource transfer deadline according to the reduction coefficient and the target credit value to obtain a target resource transfer deadline.
[0143] In an optional embodiment, the target deadline generation module 508 is also used to obtain second adjustment strategy data when the target credit value is greater than a preset maximum credit value threshold; adjust the initial resource transfer deadline according to the second adjustment strategy data to generate a target resource transfer deadline; wherein the target resource transfer deadline adjusted using the second adjustment strategy is greater than the initial resource transfer deadline.
[0144] In one embodiment, the target deadline generation module 508 is further used to obtain an expansion coefficient according to the object identifier; and adjust the initial resource transfer deadline according to the expansion coefficient and the target credit value to obtain the target resource transfer deadline.
[0145] Each module in the resource transfer deadline processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.
[0146] In an exemplary embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be shown in FIG6. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected via a system bus, and the communication interface is connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store data. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource transfer deadline processing method is implemented.
[0147] Those skilled in the art will understand that the structure shown in FIG. 6 is merely a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.
[0148] In an exemplary embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps of the above-mentioned method embodiments when executing the computer program.
[0149] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned method embodiments are implemented.
[0150] In one embodiment, a computer program product is provided, including a computer program, which implements the steps of the above method embodiments when executed by a processor.
[0151] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations.
[0152] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.
[0153] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.
[0154] The above embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.
Claims
1. A method for processing resource transfer deadlines, characterized in that: The method comprises: Obtaining an object identifier of an object to be processed, and determining historical transaction data of the object to be processed, as well as a historical resource transfer requirement period and an actual date of historical resource transfer corresponding to the historical transaction data, based on the object identifier; Generate an initial resource transfer deadline corresponding to the object to be processed according to the historical resource transfer requirement deadline and the historical resource transfer actual date; Inputting the historical transaction data into a pre-generated object credit value model, and obtaining a target credit value corresponding to the object to be processed output by the object credit value model; A target resource transfer deadline of the object to be processed is generated according to the target credit value and the initial resource transfer deadline.
2. The method according to claim 1, characterized in that The step of generating the initial resource transfer deadline corresponding to the object to be processed according to the historical resource transfer requirement deadline and the historical resource transfer actual date includes: Determine the amount of overdue historical resource transfers based on the historical resource transfer requirement period and the actual date of historical resource transfers; Determine the historical overdue rate corresponding to the object to be processed according to the historical resource transfer overdue number and the historical transaction number corresponding to the historical transaction data; Determine the object type of the object to be processed according to the object identifier, and obtain the account period parameter based on the object type; The initial resource transfer deadline is generated according to the historical overdue rate and the account period parameter.
3. The method according to claim 1, characterized in that The step of generating a target resource transfer deadline for the object to be processed according to the target credit value and the initial resource transfer deadline includes: When the target credit value is less than a preset minimum credit value threshold, obtaining first adjustment strategy data; The initial resource transfer deadline is adjusted according to the first adjustment policy data to generate the target resource transfer deadline; wherein the target resource transfer deadline obtained by adjusting using the first adjustment policy is smaller than the initial resource transfer deadline.
4. The method according to claim 3, characterized in that: The acquiring first adjustment strategy data; adjusting the initial resource transfer deadline according to the first adjustment strategy to generate the target resource transfer deadline includes: Obtaining a reduction factor according to the object identifier; The initial resource transfer period is adjusted according to the reduction coefficient and the target credit value to obtain the target resource transfer period.
5. The method according to claim 1 or 3, characterized in that: The step of generating a target resource transfer deadline for the object to be processed according to the target credit value and the initial resource transfer deadline includes: When the target credit value is greater than a preset maximum credit value threshold, obtaining second adjustment strategy data; The initial resource transfer deadline is adjusted according to the second adjustment policy data to generate the target resource transfer deadline; wherein the target resource transfer deadline obtained by adjusting using the second adjustment policy is greater than the initial resource transfer deadline.
6. The method according to claim 5, characterized in that The acquiring the second adjustment strategy data, adjusting the initial resource transfer deadline according to the second adjustment strategy, and generating the target resource transfer deadline includes: Acquire an expansion coefficient according to the object identifier; The initial resource transfer period is adjusted according to the expansion coefficient and the target credit value to obtain the target resource transfer period.
7. A resource transfer deadline processing device, characterized in that: The device comprises: A historical data acquisition module, used to acquire an object identifier of an object to be processed, and determine historical transaction data of the object to be processed according to the object identifier, as well as a required resource transfer period and an actual date of historical resource transfer corresponding to the historical transaction data; An initial deadline generation module, used to generate an initial resource transfer deadline corresponding to the object to be processed according to the historical resource transfer requirement deadline and the historical resource transfer actual date; A credit value generation module, used for inputting the historical transaction data into a pre-generated object credit value model, and obtaining a target credit value corresponding to the object to be processed output by the object credit value model; The target deadline generation module is used to generate a target resource transfer deadline of the object to be processed according to the target credit value and the initial resource transfer deadline.
8. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 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, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.