Method and device for adjusting parameters, program product and storage medium

Abstract

The embodiment of the invention provides a parameter adjusting method and device, a program product and a storage medium, and the method comprises the steps that resource parameters of a target object are obtained, and the resource parameters are used for representing the resource quantity of target resources allowed to be provided for the target object; first data and second data of the target object in the historical time period are counted, the first data comprise project information of the intellectual property project of the target object in the historical time period, and the second data comprise credit risk information of the target object in the historical time period; and determining a target amplitude based on the first data and the second data, and adjusting the resource parameter according to the target amplitude to obtain a target resource parameter. The problem that parameters cannot be accurately adjusted in the prior art is solved, and the effect of accurately adjusting the parameters is achieved.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of computer technology, and more specifically, to a method and device for adjusting parameters, a program product, and a storage medium. Background Art

[0002] When the financial industry builds an evaluation system and adjusts parameters, it mainly relies on the company's financial statements and credit history. However, for technology-driven companies, especially start-ups and small and micro technology-driven companies, the data used to adjust parameters such as the company's financial statements and credit history are insufficient and lack comparability, and there is a problem of being unable to accurately adjust parameters, resulting in some companies with high growth potential finding it difficult to obtain financial support that matches their innovation capabilities. Summary of the invention

[0003] The embodiments of the present application provide a method and apparatus for adjusting parameters, a program product, and a storage medium to at least solve the problem that parameters cannot be accurately adjusted in the related art.

[0004] According to one embodiment of the present application, a method for adjusting parameters is provided, including: obtaining resource parameters of a target object, wherein the resource parameters are used to represent the amount of target resources allowed to be provided to the target object; counting first data and second data of the target object within a historical time period, wherein the first data includes project information of intellectual property projects of the target object within the historical time period, and the second data includes credit risk information of the target object within the historical time period; determining a target range based on the first data and the second data, and adjusting the resource parameters according to the target range to obtain target resource parameters.

[0005] In an exemplary embodiment, obtaining resource parameters of a target object includes: obtaining first authorization information in response to a first click operation performed on the target object, wherein the first click operation is an operation for requesting to apply for the target resource; obtaining one or more historical target resource parameters of the target object based on the first authorization information, wherein the historical target resource parameters are used to represent the amount of resources provided to the target object during the historical time period; and calculating statistics of multiple historical resource amounts included in the historical target resource parameters to obtain the resource parameters.

[0006] In an exemplary embodiment, statistics of the first data and the second data of the target object within a historical time period include: responding to a second click operation performed by the target object, obtaining second authorization information of the target object, wherein the second click operation is an operation for requesting to obtain the first data and the second data, and the authorization information is used to trigger the target object to obtain the first data and the second data; based on the first account information of the target object in the second authorization information, collecting the intellectual property record of the target object within the historical time period to obtain the first data, wherein the first account information includes the intellectual property account information of the target object; based on the second account information of the target object in the second authorization information, collecting the credit record of the target object within the historical time period to obtain the second data, wherein the second account information includes the credit account information of the target object.

[0007] In an exemplary embodiment, a target range is determined based on the first data and the second data, and the resource parameters are adjusted according to the target range, including: performing a classification operation on the intellectual property project according to the first identifier in the project information to obtain one or more intellectual property project groups, wherein the first identifier includes an intellectual property project type identifier, one intellectual property project group includes one or more intellectual property projects, and one intellectual property project group corresponds to one intellectual property project type; determining the first parameter of each intellectual property project group according to the second identifier in the project information to obtain the target parameters of the intellectual property project of the target object within the historical time period, wherein the second identifier includes a status identifier of the intellectual property project; determining the target range using the credit risk information and the target parameters in the second data; and adjusting the resource parameters using the target range to obtain target resource parameters.

[0008] In an exemplary embodiment, the first parameter of each of the above-mentioned intellectual property project groups is determined according to the second identifier in the above-mentioned project information to obtain the target parameters of the intellectual property projects of the above-mentioned target object in the above-mentioned historical time period, including: defining a mapping relationship between the above-mentioned status identifier and the second parameter, wherein the above-mentioned second parameter is used to indicate the degree of influence of the above-mentioned intellectual property project on the scientific and technological creation ability of the above-mentioned target object; determining the second target parameter of each of the above-mentioned intellectual property projects based on the above-mentioned mapping relationship, wherein the above-mentioned second parameter includes the above-mentioned second target parameter; calculating the above-mentioned first parameter using the above-mentioned second target parameter; calculating the above-mentioned target parameter using the above-mentioned first parameter.

[0009] In an exemplary embodiment, the target range is determined using the credit risk information and the target parameters in the second data, including: performing quantitative processing on the credit risk information to obtain multiple risk indicators, wherein one risk indicator corresponds to a risk coefficient, and the risk coefficient is used to represent the resource repayment capacity of the target object; calculating the sum of the multiple risk coefficients to obtain a first weight; and calculating the product of the first weight and the target parameter to obtain the target range.

[0010] According to one embodiment of the present application, a device for adjusting parameters includes: a first acquisition module, used to acquire resource parameters of a target object, wherein the resource parameters are used to represent the resource quantity of target resources allowed to be provided to the target object; a first statistical module, used to count first data and second data of the target object within a historical time period, wherein the first data includes project information of intellectual property projects of the target object within the historical time period, and the second data includes credit risk information of the target object within the historical time period; a first determination module, used to determine a target range based on the first data and the second data, and adjust the resource parameters according to the target range to obtain target resource parameters.

[0011] In an exemplary embodiment, the above-mentioned first acquisition module includes: a first response sub-module, used to respond to the first click operation performed by the above-mentioned target object to obtain first authorization information, wherein the above-mentioned first click operation is an operation for requesting to apply for the above-mentioned target resource; a first acquisition sub-module, used to obtain one or more historical target resource parameters of the above-mentioned target object based on the above-mentioned first authorization information, wherein the above-mentioned historical target resource parameters are used to represent the amount of resources provided to the above-mentioned target object during the above-mentioned historical time period; a first calculation sub-module, used to calculate the statistics of multiple historical resource quantities included in the above-mentioned historical target resource parameters to obtain the above-mentioned resource parameters.

[0012] In an exemplary embodiment, the above-mentioned first statistical module includes: a second response submodule, which is used to respond to the second click operation performed by the above-mentioned target object to obtain the second authorization information of the above-mentioned target object, wherein the above-mentioned second click operation is an operation for requesting to obtain the above-mentioned first data and the above-mentioned second data, and the above-mentioned authorization information is used to trigger the above-mentioned target object to obtain the above-mentioned first data and the above-mentioned second data; a first collection submodule, which is used to collect the intellectual property records of the above-mentioned target object in the above-mentioned historical time period based on the first account information of the above-mentioned target object in the above-mentioned second authorization information to obtain the above-mentioned first data, wherein the above-mentioned first account information includes the intellectual property account information of the above-mentioned target object; a second collection submodule, which is used to collect the credit records of the above-mentioned target object in the above-mentioned historical time period based on the second account information of the above-mentioned target object in the above-mentioned second authorization information to obtain the above-mentioned second data, wherein the above-mentioned second account information includes the credit account information of the above-mentioned target object.

[0013] In an exemplary embodiment, the first determination module includes: a first classification submodule, used to perform a classification operation on the intellectual property project according to the first identifier in the project information to obtain one or more intellectual property project groups, wherein the first identifier includes an intellectual property project type identifier, one intellectual property project group includes one or more intellectual property projects, and one intellectual property project group corresponds to one intellectual property project type; a first determination submodule, used to determine the first parameter of each intellectual property project group according to the second identifier in the project information to obtain the target parameter of the intellectual property project of the target object within the historical time period, wherein the second identifier includes a status identifier of the intellectual property project; a second determination submodule, used to determine the target range using the credit risk information and the target parameters in the second data; a first adjustment submodule, used to adjust the resource parameters using the target range to obtain the target resource parameters.

[0014] In an exemplary embodiment, the above-mentioned first determination submodule includes: a first definition unit, used to define the mapping relationship between the above-mentioned status identifier and the second parameter, wherein the above-mentioned second parameter is used to indicate the degree of influence of the above-mentioned intellectual property project on the scientific and technological creativity of the above-mentioned target object; a first determination unit, used to determine the second target parameter of each of the above-mentioned intellectual property project based on the above-mentioned mapping relationship, wherein the above-mentioned second parameter includes the above-mentioned second target parameter; a first calculation unit, used to calculate the above-mentioned first parameter using the above-mentioned second target parameter; and a second calculation unit, used to calculate the above-mentioned target parameter using the above-mentioned first parameter.

[0015] In an exemplary embodiment, the second determination submodule includes: a first execution unit, used to perform quantitative processing on the credit risk information to obtain multiple risk indicators, wherein one risk indicator corresponds to a risk coefficient, and the risk coefficient is used to represent the resource repayment capacity of the target object; a third calculation unit, used to calculate the sum of the multiple risk coefficients to obtain a first weight; and a fourth calculation unit, used to calculate the product of the first weight and the target parameter to obtain the target range.

[0016] According to another embodiment of the present application, a computer program product is provided, including a computer program, wherein the computer program is configured for a processor to execute the steps of any of the above method embodiments.

[0017] According to another embodiment of the present application, a computer-readable storage medium is provided, in which a computer program is stored, wherein the computer program is configured to enable a processor to execute the steps in any of the above method embodiments.

[0018] According to another embodiment of the present application, an electronic device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor is configured to execute the computer program to perform the steps in any one of the method embodiments.

[0019] Through this application, the target range is determined based on the first data including the project information of the intellectual property project of the target object in the historical time period and the second data including the credit risk information of the target object in the historical time period. And the resource parameters are adjusted according to the target range to obtain the target resource parameters. Since this application can take the intellectual property project information into consideration, quantify the intellectual property value, and combine the intellectual property value with the credit risk, the value of the target object can be comprehensively considered. Therefore, the problem that the parameters cannot be accurately adjusted in the related art is solved, and the effect of accurately adjusting the parameters is achieved. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] Figure 1 It is a hardware structure block diagram of a mobile terminal of a method for adjusting parameters according to an embodiment of the present application;

[0021] Figure 2 is a flow chart of a method for adjusting parameters according to an embodiment of the present application;

[0022] Figure 3 is a flow chart of a method for adjusting parameters in a specific embodiment of the present application;

[0023] Figure 4 It is a structural block diagram of a device for adjusting parameters according to an embodiment of the present application. DETAILED DESCRIPTION

[0024] The embodiments of the present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0025] It should be noted that the terms "first", "second", etc. in the specification and claims of this application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0026] The method embodiments provided in the embodiments of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Taking running on a mobile terminal as an example, Figure 1 1 is a hardware structure block diagram of a method for adjusting parameters of a mobile terminal according to an embodiment of the present application. Figure 1 As shown, the mobile terminal may include one or more ( Figure 1 Only one is shown in the figure) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data, wherein the mobile terminal may also include a transmission device 106 and an input / output device 108 for communication functions. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the mobile terminal. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0027] The memory 104 can be used to store computer programs, for example, software programs and modules of application software, such as a computer program corresponding to a method for adjusting parameters in an embodiment of the present application. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, to implement the above method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the mobile terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0028] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the mobile terminal. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, referred to as NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0029] In this embodiment, a method for adjusting parameters is provided. Figure 2 is a flow chart of a method for adjusting parameters according to an embodiment of the present application. Figure 2 As shown, the process includes the following steps:

[0030] Step S202, obtaining resource parameters of the target object, wherein the resource parameters are used to indicate the resource quantity of the target resource allowed to be provided to the target object;

[0031] Optionally, the target audience includes, but is not limited to, small, medium and large technology-driven businesses.

[0032] Optionally, the target resource includes but is not limited to loans, credits, and investments. Resource parameters include but are not limited to loan amounts, credit limits, investment amounts, and budget limits.

[0033] Step S204, collecting statistics of first data and second data of the target object in the historical time period, wherein the first data includes project information of the intellectual property projects of the target object in the historical time period, and the second data includes credit risk information of the target object in the historical time period;

[0034] Optionally, the project information of the intellectual property project includes, but is not limited to, patent information, trademark information, copyright information, and technology transfer and licensing information, such as the total number of patent applications submitted by an enterprise in a specific period of time, the total number of trademarks applied for by the enterprise, and the income obtained by the enterprise through technology licensing.

[0035] Optionally, credit risk information includes but is not limited to credit record, debt status, credit rating, financial status, guarantee and mortgage, and legal proceedings. For example, overdue record: the number and amount of overdue loans or credit cards of the enterprise, default record: the number of debt contracts that the enterprise failed to perform, total debt: the total debt amount of the enterprise, debt structure: the ratio of short-term debt to long-term debt, collateral value: the market value of the collateral provided by the enterprise, guarantee status: whether the enterprise has a third-party guarantee and its guarantee capacity, etc.

[0036] Step S206, determining a target range based on the first data and the second data, and adjusting resource parameters according to the target range to obtain target resource parameters.

[0037] In this embodiment, the execution subject of the above steps can be a terminal, a server, a specific processor set in the terminal or server, or a processor or processing device set relatively independently from the terminal or server, but is not limited thereto.

[0038] Through the above steps, the target range is determined based on the first data including the project information of the intellectual property project of the target object in the historical time period and the second data including the credit risk information of the target object in the historical time period. And the resource parameters are adjusted according to the target range to obtain the target resource parameters. Since the present application can take the intellectual property project information into consideration, quantify the intellectual property value, and combine the intellectual property value with the credit risk, the value of the target object can be comprehensively considered. Therefore, the problem that the parameters cannot be accurately adjusted in the related art is solved, and the effect of accurately adjusting the parameters is achieved.

[0039] In an exemplary embodiment, obtaining resource parameters of a target object includes: obtaining first authorization information in response to a first click operation performed on the target object, wherein the first click operation is an operation for requesting to apply for the target resource; obtaining one or more historical target resource parameters of the target object based on the first authorization information, wherein the historical target resource parameters are used to represent the amount of resources provided to the target object during the historical time period; and calculating statistics of multiple historical resource amounts included in the historical target resource parameters to obtain the resource parameters.

[0040] Optionally, the statistics include but are not limited to the mean, median, and mode. Optionally, the historical resource parameters include but are not limited to loan quotas, credit limits, investment quotas, and budget limits. The first permission information includes but is not limited to user login credentials, digital certificates, biometric information, device identification codes, session tokens, SMS verification codes, and personal identification codes. For example, when a user clicks to apply for a target resource (such as a loan, service, etc.), he or she first needs to log in to the system and enter a user name and password as the first authorization information.

[0041] Alternatively, for example, a small and medium-sized enterprise (target object) wants to apply for a loan (target resource) from a bank (resource provider). The enterprise clicks the "Apply for Loan" button (first click operation) through the bank's online loan application system. The system prompts the enterprise to enter login credentials (user name and password), which are the first authorization information. After the enterprise enters the credentials, the bank system verifies this information to confirm the identity of the enterprise. Once the identity is verified, the bank system accesses the internal database based on the first authorization information (user name and password) to retrieve the historical loan records of the enterprise in the past few years. These records include the amount of each loan, loan term, interest rate, repayment record, etc. These data constitute the historical target resource parameters. The bank system calculates statistics in these historical target resource parameters, such as: Average loan amount: calculate the average amount of all past loans of the enterprise. Repayment rate: calculate the repayment coverage rate of the enterprise, that is, the ratio of the amount repaid to the total loan amount. Number of overdue payments: count the number of overdue repayments of the enterprise in history. Credit score changes: analyze the changes of the enterprise's credit score over time. Based on these statistics, combined with current market conditions and the bank's lending policy, the system uses an internal algorithm to calculate the new loan amount.

[0042] This embodiment reduces the need for manual operation and speeds up the decision-making process by automatically acquiring and processing historical resource parameters, thereby achieving the purpose of making resource allocation faster and more efficient.

[0043] In an exemplary embodiment, statistics of the first data and the second data of the target object within a historical time period include: responding to a second click operation performed by the target object, obtaining second authorization information of the target object, wherein the second click operation is an operation for requesting to obtain the first data and the second data, and the authorization information is used to trigger the target object to obtain the first data and the second data; based on the first account information of the target object in the second authorization information, collecting the intellectual property record of the target object within the historical time period to obtain the first data, wherein the first account information includes the intellectual property account information of the target object; based on the second account information of the target object in the second authorization information, collecting the credit record of the target object within the historical time period to obtain the second data, wherein the second account information includes the credit account information of the target object.

[0044] Optionally, the second authorization information includes but is not limited to a digital signature, login credentials, authorization token, and permission setting confirmation. The first account information includes but is not limited to an intellectual property registration account number, patent management account information, trademark account information, copyright registration account information, and an intellectual property agency account. The second account information includes but is not limited to a bank account number, online banking login credentials, and a third-party payment platform account. Intellectual property records include but are not limited to patent application records, trademark records, copyright records, intellectual property litigation records, litigation case records, judgment and ruling records, intellectual property evaluation records, intellectual property pledge records, intellectual property license use records, license implementation records, intellectual property customs filing records, and intellectual property international application records. Credit records include but are not limited to loan records, credit card transaction records, credit report excerpts, guarantee and collateral information, credit default records, credit account status, debt restructuring and repayment records, credit approval records, credit limit adjustment records, and bad credit records.

[0045] Optionally, a technology-innovative enterprise (target object) applies for a new loan from a bank, and needs to evaluate its loan amount and credit status. The example of providing a new loan is used for explanation. To this end, the bank needs to collect the intellectual property records (first data) and credit records (second data) of the enterprise in the historical time period. The enterprise clicks the "Apply for Loan" button (second click operation) through the bank's online service platform. The system prompts the enterprise to enter the login credentials (user name and password), which are the second authorization information. After the enterprise enters the credentials, the bank system verifies this information to confirm the identity of the enterprise. Based on the enterprise's first account information (intellectual property account information) in the second authorization information, the bank system accesses the enterprise's intellectual property management platform, collects the enterprise's intellectual property records in the past five years to obtain the first data, including: patent application and authorization records, such as application number, application date, patent name, patent type, trademark registration records, such as registration number, registration date, trademark pattern, covered goods / service categories, software copyright registration information, such as registration number, work name, author, creation date. -Based on the second account information (credit account information) of the enterprise in the second authorization information, the bank system accesses the internal credit database and collects the credit records of the enterprise in the past five years to obtain the second data, including: loan history records, such as loan amount, loan term, interest rate, and repayment status. Credit card repayment records, such as credit card number, billing cycle, repayment amount, and overdue records. Credit rating records, such as credit rating history, rating agency name, rating date, and credit rating.

[0046] This embodiment achieves the goal of building a more comprehensive corporate portrait by integrating intellectual property and credit data.

[0047] In an exemplary embodiment, a target range is determined based on the first data and the second data, and the resource parameters are adjusted according to the target range, including: performing a classification operation on the intellectual property project according to the first identifier in the project information to obtain one or more intellectual property project groups, wherein the first identifier includes an intellectual property project type identifier, one intellectual property project group includes one or more intellectual property projects, and one intellectual property project group corresponds to one intellectual property project type; determining the first parameter of each intellectual property project group according to the second identifier in the project information to obtain the target parameters of the intellectual property project of the target object within the historical time period, wherein the second identifier includes a status identifier of the intellectual property project; determining the target range using the credit risk information and the target parameters in the second data; and adjusting the resource parameters using the target range to obtain target resource parameters.

[0048] Optionally, the types of intellectual property items include, but are not limited to, invention patents, utility model patents, design patents, trademarks, and copyrights.

[0049] Optionally, the target parameter is used to represent the value coefficient of the intellectual property project of the target object in the historical time period

[0050] Optionally, a technology-innovative enterprise (target object) applies for a new loan from a bank and needs to evaluate its loan amount and credit status. The provision of a new loan is used as an example for explanation. According to the first identifier (type identifier) ​​of the intellectual property project, the project is divided into several groups, all invention patents are classified as "invention patent group", all trademarks are classified as "trademark group", and all software copyrights are classified as "software copyright group". According to the second identifier (status identifier) ​​in the project information, the target parameters of each intellectual property project group, that is, the value coefficient, are determined. The first parameter for the "invention patent group" may be determined based on the number of citations of the patent, the remaining validity period, and the industry influence. The first parameter for the "trademark group" may be determined based on the market awareness of the brand, the sales data of related products, and the legal protection status of the trademark. The first parameter for the "software copyright group" may be determined based on the market share, user evaluation, and update iteration speed of the software.

[0051] By analyzing intellectual property projects and credit risk information, this embodiment enables financial institutions to more accurately assess the credit status and repayment ability of enterprises, thereby reasonably and dynamically adjusting resource parameters to achieve the purpose of optimizing resource allocation.

[0052] In an exemplary embodiment, the first parameter of each of the above-mentioned intellectual property project groups is determined according to the second identifier in the above-mentioned project information to obtain the target parameters of the intellectual property projects of the above-mentioned target object in the above-mentioned historical time period, including: defining a mapping relationship between the above-mentioned status identifier and the second parameter, wherein the above-mentioned second parameter is used to indicate the degree of influence of the above-mentioned intellectual property project on the scientific and technological creation ability of the above-mentioned target object; determining the second target parameter of each of the above-mentioned intellectual property projects based on the above-mentioned mapping relationship, wherein the above-mentioned second parameter includes the above-mentioned second target parameter; calculating the above-mentioned first parameter using the above-mentioned second target parameter; calculating the above-mentioned target parameter using the above-mentioned first parameter.

[0053] Optionally, first, define the mapping relationship between the status identifier of the intellectual property project and the second parameter indicating the degree of its influence on scientific and technological creation capabilities. For example, the patent validity status (valid, invalid) and the degree of influence on scientific and technological creation capabilities (high, low). Trademark usage (active use, unused) and market influence (strong, weak). For each intellectual property project, determine the corresponding second target parameter based on its status identifier. For example, for an invention patent in a valid state, the second target parameter may be "high" because a valid patent indicates that the company has strong scientific and technological innovation capabilities. For trademarks that are not actively used, the second target parameter may be "weak" because unused trademarks contribute less to market influence. For the invention patent group, the second target parameters (high, medium, and low) of all patents are summarized, and the average or weighted average is calculated to obtain the first parameter of the patent group. For the software copyright group, the second target parameter of each software copyright is determined based on the commercialization degree and user evaluation of the software, and then the average level of the entire group is calculated to obtain the first parameter of the patent group. Finally, the first parameters of each intellectual property project group are summarized and the target parameters of the target object's intellectual property project in the historical time period are calculated. For example, the first parameters of all patent groups, trademark groups, and software copyright groups are summed up or weighted to obtain the target parameter of the target object's overall intellectual property project. This parameter reflects the target object's overall scientific and technological creation ability in the historical time period.

[0054] This embodiment achieves the purpose of more accurately evaluating the value and influence of an enterprise's intellectual property rights by calculating target parameters.

[0055] In an exemplary embodiment, the target range is determined using the credit risk information and the target parameters in the second data, including: performing quantitative processing on the credit risk information to obtain multiple risk indicators, wherein one risk indicator corresponds to a risk coefficient, and the risk coefficient is used to represent the resource repayment capacity of the target object; calculating the sum of the multiple risk coefficients to obtain a first weight; and calculating the product of the first weight and the target parameter to obtain the target range.

[0056] Optionally, when the incremental information of the target object triggers the early warning indicator, adjust the target amplitude. For example, the change ratio of the total content of scientific and technological achievements of the enterprise's intellectual property rights: the reduction ratio of the latest total content of the enterprise's scientific and technological achievements compared with the total content of the enterprise's scientific and technological achievements in the previous 6 months ≥ the trigger value (configurable parameter, default value 20%), triggering an "orange warning". The enterprise's innovation capability evaluation index has decreased compared with 6 months ago, triggering an "orange warning". The value of the pledged patents of the pledged enterprise has decreased compared with the previous month, triggering an "orange warning". If the legal status of the pledged patent is invalid, or it involves litigation, preservation, or transfer, it will trigger an "orange warning".

[0057] Optionally, risk indicators include, but are not limited to, credit score, debt-to-income ratio, overdue payment record, loan default rate, credit utilization ratio, debt-to-asset ratio, current ratio, quick ratio, interest coverage ratio, non-performing loan ratio, customer concentration, industry risk rating, market risk indicator, legal litigation record, and supply chain stability indicator. The following is a specific example of obtaining the target range: Perform quantitative processing: Quantify the credit risk information in the second data to obtain multiple risk indicators. For example, convert the credit history of the enterprise into a numerical value to obtain a credit score, such as the FICO score, which ranges from 300 to 850. The higher the score, the lower the credit risk. Calculate the ratio of the total monthly debt payment of the enterprise to its total income to obtain the debt-to-income ratio, usually expressed as a percentage. Calculate the proportion of defaulted loans to total loans within a certain period to obtain the loan default rate. Determine the risk factor: Assign a risk factor to each risk indicator to represent the resource repayment ability of the target object. For example, credit score risk coefficient: the higher the credit score, the lower the risk coefficient, indicating stronger repayment ability; debt ratio risk coefficient: the lower the debt ratio, the lower the risk coefficient, indicating stronger repayment ability; overdue repayment risk coefficient: the fewer overdue repayments, the lower the risk coefficient, indicating stronger repayment ability. Calculate the first weight: calculate the sum of all risk coefficients to get the first weight. For example: first weight = credit score risk coefficient + debt ratio risk coefficient + overdue repayment risk coefficient. Calculate the target range: calculate the product of the first weight and the target parameter (the value coefficient of the intellectual property project) to get the target range. For example, the target parameter (the value coefficient of the intellectual property project) is 0.8, and the first weight is 1.2. Target range = first weight × target parameter = 1.2 × 0.8 = 0.96.

[0058] The present invention will be described below in conjunction with specific embodiments:

[0059] Figure 3 This is a flow chart of a method for adjusting parameters in a specific embodiment of the present application, comprising the following steps:

[0060] S302, the corporate customer clicks the "Apply for Loan" button through the bank's online platform to request a loan. In response to this operation, the system requires the enterprise to enter login credentials (first authorization information). Based on the first authorization information, the bank system queries the historical loan records of the enterprise.

[0061] S304, calculating statistics of historical loan amounts (such as average loan amount, maximum / minimum loan amount) to obtain resource parameters;

[0062] S306, the corporate customer clicks the "Get Data" button again to request the acquisition of intellectual property and credit risk data. The system responds to this operation and acquires the second authorization information of the enterprise. Collecting intellectual property records (first data): The bank system uses the intellectual property account information in the second authorization information to acquire the enterprise's patent and trademark records from the Intellectual Property Office. Collecting credit records (second data): The bank system uses the credit account information in the second authorization information to acquire the enterprise's credit history from the bank database;

[0063] S308, according to the type identifier of the intellectual property project, the intellectual property projects are divided into invention patents, utility model patents, trademarks and other groups: Invention patents: 5 items, of which 3 are valid and 2 are expired. Utility model patents: 3 items, all valid. Trademarks: 2 items, all valid. Define the mapping relationship between the status identifier of the intellectual property project and the degree of influence of scientific and technological creation ability (second parameter) as follows: valid invention patent: second parameter = 0.8, expired invention patent: second parameter = 0.2, valid utility model patent: second parameter = 0.5, valid trademark: second parameter = 0.6. Based on the mapping relationship, determine the second target parameter of each intellectual property project, and calculate the first parameter: the first parameter of the invention patent group = (3 valid × 0.8) + (2 expired × 0.2) = 2.4 + 0.4 = 2.8, the first parameter of the utility model patent group = 3 valid × 0.5 = 1.5, and the first parameter of the trademark group = 2 valid × 0.6 = 1.2. Summarize the first parameters of each intellectual property project group and calculate the target parameter: target parameter = 2.8 + 1.5 + 1.2 = 5.5. Quantify the credit risk information and obtain the following risk indicators and corresponding risk coefficients: credit score: 750 points, risk coefficient = 0.9, debt-to-income ratio: 40%, risk coefficient = 0.7, overdue repayment record: 0 times in the past year, risk coefficient = 0.6, calculate the sum of the risk coefficients and obtain the first weight: first weight = 0.9 + 0.7 + 0.6 = 2.2. Calculate the product of the first weight and the target parameter to obtain the target range: target range = first weight × target parameter = 2.2 × 5.5 = 12.1. The bank determines the loan amount adjustment strategy based on the target range, and the target range of 12.1 corresponds to the increase in the loan amount. The enterprise resource parameter is 1 million yuan, and the adjusted target parameter = 1 million yuan × (1 + 12.1%) = 1.121 million yuan.

[0064] Through the description of the above implementation methods, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes a number of instructions for a terminal device (which can be a mobile phone, computer, server, or network device, etc.) to execute the methods of each embodiment of the present application.

[0065] In the present embodiment, a device for adjusting parameters is also provided, and the device is used to implement the above-mentioned embodiments and preferred implementation modes, and the descriptions thereof will not be repeated. As used below, the term "module" can implement a combination of software and / or hardware of a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and contemplated.

[0066] Figure 4 is a structural block diagram of a device for adjusting parameters according to an embodiment of the present application, such as Figure 4 As shown, the device comprises:

[0067] A first acquisition module 402 is used to acquire resource parameters of a target object, wherein the resource parameters are used to indicate the amount of target resources allowed to be provided to the target object;

[0068] A first statistical module 404 is used to collect statistics of first data and second data of the target object in a historical time period, wherein the first data includes project information of intellectual property projects of the target object in the historical time period, and the second data includes credit risk information of the target object in the historical time period;

[0069] The first determination module 406 is used to determine a target range based on the first data and the second data, and adjust the resource parameters according to the target range to obtain target resource parameters.

[0070] In an exemplary embodiment, the above-mentioned first acquisition module includes: a first response sub-module, used to respond to the first click operation performed by the above-mentioned target object to obtain first authorization information, wherein the above-mentioned first click operation is an operation for requesting to apply for the above-mentioned target resource; a first acquisition sub-module, used to obtain one or more historical target resource parameters of the above-mentioned target object based on the above-mentioned first authorization information, wherein the above-mentioned historical target resource parameters are used to represent the amount of resources provided to the above-mentioned target object during the above-mentioned historical time period; a first calculation sub-module, used to calculate the statistics of multiple historical resource quantities included in the above-mentioned historical target resource parameters to obtain the above-mentioned resource parameters.

[0071] In an exemplary embodiment, the above-mentioned first statistical module includes: a second response submodule, which is used to respond to the second click operation performed by the above-mentioned target object to obtain the second authorization information of the above-mentioned target object, wherein the above-mentioned second click operation is an operation for requesting to obtain the above-mentioned first data and the above-mentioned second data, and the above-mentioned authorization information is used to trigger the above-mentioned target object to obtain the above-mentioned first data and the above-mentioned second data; a first collection submodule, which is used to collect the intellectual property records of the above-mentioned target object in the above-mentioned historical time period based on the first account information of the above-mentioned target object in the above-mentioned second authorization information to obtain the above-mentioned first data, wherein the above-mentioned first account information includes the intellectual property account information of the above-mentioned target object; a second collection submodule, which is used to collect the credit records of the above-mentioned target object in the above-mentioned historical time period based on the second account information of the above-mentioned target object in the above-mentioned second authorization information to obtain the above-mentioned second data, wherein the above-mentioned second account information includes the credit account information of the above-mentioned target object.

[0072] In an exemplary embodiment, the first determination module includes: a first classification submodule, used to perform a classification operation on the intellectual property project according to the first identifier in the project information to obtain one or more intellectual property project groups, wherein the first identifier includes an intellectual property project type identifier, one intellectual property project group includes one or more intellectual property projects, and one intellectual property project group corresponds to one intellectual property project type; a first determination submodule, used to determine the first parameter of each intellectual property project group according to the second identifier in the project information to obtain the target parameter of the intellectual property project of the target object within the historical time period, wherein the second identifier includes a status identifier of the intellectual property project; a second determination submodule, used to determine the target range using the credit risk information and the target parameters in the second data; a first adjustment submodule, used to adjust the resource parameters using the target range to obtain the target resource parameters.

[0073] In an exemplary embodiment, the above-mentioned first determination submodule includes: a first definition unit, used to define the mapping relationship between the above-mentioned status identifier and the second parameter, wherein the above-mentioned second parameter is used to indicate the degree of influence of the above-mentioned intellectual property project on the scientific and technological creativity of the above-mentioned target object; a first determination unit, used to determine the second target parameter of each of the above-mentioned intellectual property project based on the above-mentioned mapping relationship, wherein the above-mentioned second parameter includes the above-mentioned second target parameter; a first calculation unit, used to calculate the above-mentioned first parameter using the above-mentioned second target parameter; and a second calculation unit, used to calculate the above-mentioned target parameter using the above-mentioned first parameter.

[0074] In an exemplary embodiment, the second determination submodule includes: a first execution unit, used to perform quantitative processing on the credit risk information to obtain multiple risk indicators, wherein one risk indicator corresponds to a risk coefficient, and the risk coefficient is used to represent the resource repayment capacity of the target object; a third calculation unit, used to calculate the sum of the multiple risk coefficients to obtain a first weight; and a fourth calculation unit, used to calculate the product of the first weight and the target parameter to obtain the target range.

[0075] In an exemplary embodiment, the above-mentioned device also includes: a first acquisition module, which is used to obtain the target identity information of the above-mentioned target object before calculating the target parameters based on the target cardinality and target coefficient of the determined target object, when the identity information of the first object is preset identity information, wherein the above-mentioned first object is an object with the authority to handle the above-mentioned target business; a first determination module, which is used to determine that the above-mentioned target object is an object to be processed by business when the above-mentioned target identity information is the preset target identity information.

[0076] In an exemplary embodiment, the first calculation module includes: a first calculation submodule, which is used to calculate the average cardinality within the historical time period based on the total cardinality of the target object within the historical time period to obtain the target cardinality, wherein the total cardinality is used to represent the ability of the target object to acquire the target asset within the historical time period, and the target cardinality is the cardinality of the target object within the target time period, and the historical time period includes one or more target time periods; a first determination submodule, which is used to determine the target coefficient based on the mapping relationship between the attribute parameters of the target object and the coefficient of the target object, wherein the attribute parameters include the static attribute parameters and the dynamic attribute parameters, and the coefficient includes the target parameters; the first calculation submodule, which is used to calculate the product of the target cardinality and the target coefficient to obtain the target parameter.

[0077] In an exemplary embodiment, the above-mentioned device also includes: a first adding module, which is used to calculate the target parameters based on the target cardinality and target coefficient of the determined target object, and then, if the above-mentioned static attribute information and / or the above-mentioned dynamic attribute information do not meet the preset filtering conditions, add the above-mentioned target parameters and the above-mentioned target object information to the first credit table, wherein the above-mentioned first credit table is used to record the information of objects that do not meet the above-mentioned preset filtering conditions.

[0078] In an exemplary embodiment, the first generation module includes: a first acquisition submodule, used to acquire the audio information and repayment information of the target object according to the target object information included in the credit record, wherein the audio information is information taken when the target object applies for the target business, and the repayment information includes the term information of the target business; a first adding submodule, used to add the credit record, the audio information and the repayment information to a target template file to obtain the target application file, wherein the target template file includes multiple target fields for applying for the target business, and the target fields include fields for the credit record, the audio information and the repayment information.

[0079] In an exemplary embodiment, the above-mentioned device also includes: a second adding module, which is used to receive a business processing request sent by the above-mentioned target object, and respond to the above-mentioned business processing request based on the above-mentioned credit record, and after generating the target application document, if the above-mentioned target application document meets the preset application conditions, the above-mentioned target parameters, the above-mentioned target object information and the application status of the above-mentioned target business are added to the second credit table, wherein the above-mentioned second credit table is used to record the information of the object that meets the above-mentioned preset screening conditions.

[0080] An embodiment of the present application provides a computer program product, including a computer program, and when the computer program is executed by a processor, the steps in any one of the above method embodiments are implemented.

[0081] An embodiment of the present application further provides a computer-readable storage medium, in which a computer program is stored, wherein the computer program is configured to execute the steps of any of the above method embodiments when running.

[0082] In an exemplary embodiment, the computer-readable storage medium may include, but is not limited to, various media that can store computer programs, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0083] An embodiment of the present application further provides an electronic device, including a memory and a processor, wherein a computer program is stored in the memory, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0084] In an exemplary embodiment, the electronic device may further include a transmission device and an input / output device, wherein the transmission device is connected to the processor, and the input / output device is connected to the processor.

[0085] For specific examples in this embodiment, reference may be made to the examples described in the above embodiments and exemplary implementation modes, and this embodiment will not be described in detail herein.

[0086] Obviously, those skilled in the art should understand that the above modules or steps of the present application can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order from that herein, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present application is not limited to any specific combination of hardware and software.

[0087] The above are only preferred embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the principles of the present application shall be included in the protection scope of the present application.

Claims

1. A method for adjusting parameters, characterized in that: include: Acquire a resource parameter of a target object, wherein the resource parameter is used to indicate a resource amount of a target resource allowed to be provided to the target object; Counting first data and second data of the target object in a historical time period, wherein the first data includes project information of intellectual property projects of the target object in the historical time period, and the second data includes credit risk information of the target object in the historical time period; A target amplitude is determined based on the first data and the second data, and the resource parameter is adjusted according to the target amplitude to obtain a target resource parameter.

2. The method according to claim 1, characterized in that Get the resource parameters of the target object, including: In response to a first click operation performed by the target object, first authorization information is obtained, wherein the first click operation is an operation for requesting to apply for the target resource; Based on the first authorization information, acquiring one or more historical target resource parameters of the target object, wherein the historical target resource parameters are used to represent the amount of resources provided to the target object in the historical time period; The statistics of a plurality of historical resource quantities included in the historical target resource parameters are calculated to obtain the resource parameters.

3. The method according to claim 1, characterized in that Counting the first data and the second data of the target object in a historical time period includes: In response to a second click operation performed by the target object, second authorization information of the target object is obtained, wherein the second click operation is an operation for requesting to obtain the first data and the second data, and the authorization information is used to trigger the target object to obtain the first data and the second data; Based on the first account information of the target object in the second authorization information, collect the intellectual property records of the target object in the historical time period to obtain the first data, wherein the first account information includes the intellectual property account information of the target object; Based on the second account information of the target object in the second authorization information, the credit record of the target object in the historical time period is collected to obtain the second data, wherein the second account information includes the credit account information of the target object.

4. The method according to claim 1, characterized in that: Determining a target amplitude based on the first data and the second data, and adjusting the resource parameter according to the target amplitude, includes: According to the first identifier in the project information, a classification operation is performed on the intellectual property project to obtain one or more intellectual property project groups, wherein the first identifier includes an intellectual property project type identifier, one intellectual property project group includes one or more intellectual property projects, and one intellectual property project group corresponds to one intellectual property project type; Determine the first parameter of each of the intellectual property project groups according to the second identifier in the project information, and obtain the target parameter of the intellectual property project of the target object within the historical time period, wherein the second identifier includes the status identifier of the intellectual property project; Determining the target range using the credit risk information and the target parameter in the second data; The resource parameters are adjusted using the target amplitude to obtain target resource parameters.

5. The method according to claim 4, characterized in that Determining the first parameter of each of the intellectual property project groups according to the second identifier in the project information to obtain the target parameter of the intellectual property project of the target object within the historical time period includes: Defining a mapping relationship between the state identifier and a second parameter, wherein the second parameter is used to indicate the degree of influence of the intellectual property project on the scientific and technological creativity of the target object; Determine a second target parameter for each of the intellectual property items based on the mapping relationship, wherein the second parameters include the second target parameter; Calculating the first parameter using the second target parameter; The target parameter is calculated using the first parameter.

6. The method according to claim 4, characterized in that Determining the target range by using the credit risk information and the target parameter in the second data includes: Performing quantitative processing on the credit risk information to obtain a plurality of risk indicators, wherein one risk indicator corresponds to one risk coefficient, and the risk coefficient is used to represent the resource repayment capacity of the target object; Calculating a sum of the plurality of risk coefficients to obtain a first weight; The product of the first weight and the target parameter is calculated to obtain the target amplitude.

7. A device for adjusting parameters, characterized in that: include: A first acquisition module, used for acquiring resource parameters of a target object, wherein the resource parameters are used for indicating the resource quantity of a target resource allowed to be provided to the target object; A first statistical module, used to count first data and second data of the target object in a historical time period, wherein the first data includes project information of intellectual property projects of the target object in the historical time period, and the second data includes credit risk information of the target object in the historical time period; The first determination module is used to determine a target range based on the first data and the second data, and adjust the resource parameter according to the target range to obtain a target resource parameter.

8. 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 described in any one of claims 1 to 6 are implemented.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program implements the steps of the method described in any one of claims 1 to 6 when executed by a processor.

10. 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 described in any one of claims 1 to 6 are implemented.

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