Channel rate calculation method and device, electronic equipment, medium and program

Abstract

The invention relates to the technical field of finance, in particular to a channel rate calculation method and device, electronic equipment, a medium and a program, and the method comprises the steps: obtaining an initial total rate of a channel with the highest priority; identifying the hierarchy of the current channel, and determining a corresponding current hierarchy and a previous hierarchy channel retention ratio according to the hierarchy of the current channel; and calculating the rate corresponding to the current channel according to the channel retention proportions of the current hierarchy and the previous hierarchy and the initial total rate. Therefore, the problems of long time consumption, low efficiency, incapability of taking effect in real time and the like of rate calculation of addition and subtraction in the prior art during multi-product multi-level calculation are solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and in particular to a method, device, electronic device, medium and program for calculating channel rates. Background Art

[0002] During the company's development, with the continuous increase in business volume, the number of products has also increased, the number of cooperation channels has also gradually increased, and the rate calculation scenarios have become more and more complex. A large number of frequent calculations often lead to a decline in service performance, which seriously affects the business. The rate calculation based on addition and subtraction can no longer meet all business scenarios. Performance optimization is needed, and the optimization algorithm should be used to reduce the amount of data operations and improve calculation efficiency.

[0003] Partner channel rates are calculated using addition and subtraction. If modifications are made to multiple products within a template, or if the template's channels have multiple tiers, all tiers will need to be recalculated and stored. Calculating multiple products and tiers is time-consuming and inefficient, and rates don't take effect immediately.

[0004] In related technologies, the addition and subtraction rate is to use a rate ratio of 1, and subtract 1 from each clause of the product and each level of the channel to obtain a specific value, which is then stored in the relevant place and directly calculated when used. The sum of the rates of each clause and level is 1. The advantage of this is that you only need to take the value and calculate when using it. Each product and channel and its subordinates have specific rate data. If the rate of a product or channel is modified, all related rate values ​​need to be recalculated. When the product issuance volume and channel data volume increase, if there is a modification workload, it will be very large, and there may be a calculation error that causes all values ​​to become invalid. Summary of the Invention

[0005] The present application provides a method, device, electronic device, medium and program for calculating channel rates to solve the problems in related technologies such as the addition and subtraction rate calculation being time-consuming and inefficient when calculating multiple products and multiple levels, and the rates not being able to take effect in real time.

[0006] The first aspect of the present application provides a method for calculating channel rates, including the following steps: obtaining the initial total rate of the highest priority channel; identifying the level of the current channel, and determining the corresponding current level and previous level channel retention ratio based on the level of the current channel; calculating the rate corresponding to the current channel based on the current level, previous level channel retention ratio and the initial total rate.

[0007] Optionally, the calculation formula for calculating the rate corresponding to the current channel based on the current level, the previous level channel retention ratio and the initial total rate is: the rate corresponding to the current channel = the initial total rate of the highest priority channel * (1-channel retention ratio) * (1-first level retention ratio)... * (1-Nth level retention ratio), where N is a positive integer and N is the previous level of the current level.

[0008] Optionally, before obtaining the initial total rate of the highest priority channel, the method includes: obtaining the current product identifier and the product year; and determining the initial total rate of the highest priority channel according to the current product identifier and the product year.

[0009] Optionally, after obtaining the initial total rate of the highest priority channel, it includes: identifying the user's modification requirements; determining the required modification products, channels and rate change requirements based on the modification requirements, and calling the reference rate templates corresponding to the products and channels, and automatically adjusting the reference rate templates according to the rate change requirements to generate a corresponding new reference rate template.

[0010] Optionally, the automatic adjustment of the reference rate template according to the rate change requirement to generate a corresponding new reference rate template includes: if the rate change requirement is to increase the rate, identifying the old channel retention ratio before the modification and the increase rate of the rate change requirement; determining the current initial total rate of the highest priority channel based on the historical initial total rate of the highest priority channel and the increase rate; calculating the new retention ratio based on the current initial total rate, the increase rate, and the old channel retention ratio, so as to automatically adjust the reference rate template to generate a corresponding new reference rate template.

[0011] Optionally, after calculating the rate corresponding to the current channel based on the current level, the channel retention ratio of the previous level and the initial total rate, the method includes: calculating the channel commission based on the rate corresponding to the current channel.

[0012] The second aspect of the present application provides a device for calculating channel rates, including: an acquisition module for obtaining the initial total rate of the highest priority channel; an identification module for identifying the level of the current channel, and determining the corresponding current level and previous level channel retention ratio based on the level of the current channel; a calculation module for calculating the rate corresponding to the current channel based on the current level, previous level channel retention ratio and the initial total rate.

[0013] A third aspect of the present application provides an electronic device, comprising: a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor executes the program to perform the channel rate calculation method as described in the above embodiment.

[0014] The fourth aspect of the present application provides a computer-readable storage medium having a computer program stored thereon, which is executed by a processor to perform the channel rate calculation method as described in the above embodiment.

[0015] The fifth aspect of the present application provides a computer program product, including a computer program or instructions, characterized in that when the computer program or instructions are executed, the channel rate calculation method as described in the above embodiment is implemented.

[0016] Therefore, this application has at least the following beneficial effects:

[0017] The embodiment of the present application can obtain the initial total rate of the highest priority channel; identify the level of the current channel, and determine the corresponding current level and the previous level channel retention ratio according to the level of the current channel; calculate the rate corresponding to the current channel according to the current level, the previous level channel retention ratio and the initial total rate. The present application adopts a rate retention method, and multiplication is performed before multiple levels. The rate adjustment is simple and efficient, which reduces the processing volume of system operation data, thereby improving processing efficiency when calculating multiple products and multiple levels. The rate takes effect in real time, improving user experience.

[0018] Additional aspects and advantages of the present application will be given in part in the description below, and in part will become apparent from the description below, or will be learned through practice of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The above and / or additional aspects and advantages of the present application will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0020] Figure 1 A flow chart of a method for calculating channel rates according to an embodiment of the present application;

[0021] Figure 2 A flowchart of a method for configuring product grade rates according to an embodiment of the present application;

[0022] Figure 3 A flow chart for configuring channel multiplication rates according to an embodiment of the present application;

[0023] Figure 4 A logic flow chart of rate calculation provided according to an embodiment of the present application;

[0024] Figure 5 A block diagram of a channel rate calculation device provided according to an embodiment of the present application;

[0025] Figure 6 A schematic diagram of the structure of an electronic device provided according to an embodiment of the present application. DETAILED DESCRIPTION

[0026] The following describes in detail embodiments of the present application, examples of which are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present application, and should not be construed as limiting the present application.

[0027] The following describes the channel rate calculation method, device, electronic device, storage medium and program of the embodiment of the present application with reference to the accompanying drawings.

[0028] Specifically, Figure 1 A flow chart of a method for calculating channel rates provided in an embodiment of the present application.

[0029] like Figure 1 As shown, the calculation method of the channel rate includes the following steps:

[0030] In step S101 , the initial total rate of the highest priority channel is obtained.

[0031] It is understandable that the embodiment of the present application can obtain the initial total rate of the highest priority channel to facilitate the subsequent calculation of the rate corresponding to the current channel.

[0032] Specifically, since channels are divided into S, A, B, C, and D levels according to their ratings, different rates are configured for different levels; all can be marked in percentages, which cannot exceed 100%.

[0033] In an embodiment of the present application, before obtaining the initial total rate of the highest priority channel, it includes: obtaining the current product identification and product year; determining the initial total rate of the highest priority channel based on the current product identification and product year.

[0034] It can be understood that the embodiment of the present application obtains the current product identification and product year; determines the initial total rate of the highest priority channel based on the current product identification and product year, so as to facilitate the subsequent calculation of the rate corresponding to the current channel.

[0035] It should be noted that different products and different years of products correspond to different initial total rates for the highest priority channel, which can be set according to actual needs or calculated using a fixed algorithm without specific limitations; the rate information can calculate a unique value based on the current level and grade. For example, if the schedule channel is a second-level department and the department corresponds to the channel registration fee A, then the rate information calculation rule is the total rate for the channel grade A * (1-channel retention ratio) * (1-first-level retention ratio). The rates for different years can change according to the year.

[0036] In an embodiment of the present application, after obtaining the initial total rate of the highest priority channel, it includes: identifying the user's modification requirements; determining the required modification products, channels and rate change requirements based on the modification requirements, and calling the reference rate templates corresponding to the products and channels, and automatically adjusting the reference rate templates according to the rate change requirements to generate a corresponding new reference rate template.

[0037] It can be understood that the embodiment of the present application can generate a corresponding new reference rate template based on the user's modification requirements, thereby ensuring the correctness of data calculation, ensuring data consistency when multiple accounts modify a level rate at the same time, and ensuring calculation efficiency when the channel commission calculation rate is obtained in real time.

[0038] In an embodiment of the present application, the reference rate template is automatically adjusted to generate a corresponding new reference rate template according to the rate change demand, including: if the rate change demand is to increase the rate, then the old channel retention ratio before the modification and the increase rate of the rate change demand are identified; the current initial total rate of the highest priority channel is determined based on the historical initial total rate and the increase rate of the highest priority channel; the new retention ratio is calculated based on the current initial total rate, the increase rate, and the old channel retention ratio, so as to automatically adjust the reference rate template to generate a corresponding new reference rate template.

[0039] It can be understood that the embodiment of the present application can readjust the reference rate template according to the rate change requirements to generate a corresponding new reference rate template, thereby satisfying the multiplication operation between multiple levels. The rate adjustment is simple and efficient, and the processing volume of system operation data is reduced, thereby improving processing efficiency during multi-product multi-level calculations, and the rates take effect in real time, improving user experience.

[0040] Specifically, the corresponding insurance products are divided into different levels, and then the relevant rate information is given according to different years. This rate information is the initial rate value information of the channel when the product is added to the channel. The specific page display is as follows Figure 2 As shown, the configuration of channel multiplication rate must first configure the level template for the product. The level template adds products with configured level rates. You can add multiple products. These products are also the only ones that can be used by the channel later. The modification of the rate and the change of the product will affect the entire channel of the product. The detailed change impact process is as follows Figure 3 The channel multiplication rate configuration is shown below. Channels have their own subordinate accounts, such as their own department accounts and their sub-accounts. Each level has its own rate rules. Product changes also affect subordinate accounts, while those at the higher level remain unchanged. If the rate change is only a change in the retention percentage, it will still affect the final rate during rate calculation.

[0041] In step S102, the level of the current channel is identified, and the corresponding current level and previous level channel retention ratios are determined according to the level of the current channel.

[0042] It can be understood that the embodiment of the present application can identify the level of the current channel, and determine the corresponding current level and previous level channel retention ratio based on the level of the current channel, so as to facilitate the subsequent calculation of the rate corresponding to the current channel.

[0043] In step S103, the rate corresponding to the current channel is calculated based on the current level, the retention ratio of the previous level channel and the initial total rate.

[0044] It can be understood that the embodiment of the present application can calculate the rate corresponding to the current channel based on the current level, the channel retention ratio of the previous level and the initial total rate. The present application adopts the rate retention method, and performs multiplication between multiple levels. The rate adjustment is simple and efficient, which reduces the processing volume of system operation data, thereby improving processing efficiency when calculating multiple products and multiple levels. The rate takes effect in real time, improving the user experience.

[0045] In an embodiment of the present application, the calculation formula for calculating the rate corresponding to the current channel based on the current level, the previous level channel retention ratio and the initial total rate is: the rate corresponding to the current channel = the initial total rate of the highest priority channel * (1-channel retention ratio) * (1-first level retention ratio)... * (1-Nth level retention ratio), where N is a positive integer and N is the previous level of the current level.

[0046] For example, a channel can have multiple subordinate departments, and a department can have its subordinates such as a second-level department, with a maximum of three-level departments. If the channel's rate is adjusted, the rate display of the first-level department, second-level department, and third-level department for the same product must also change.

[0047] Rely on the following rules for processing: First-level department rate = initial total rate of the highest priority channel * (1-channel retention ratio), second-level department rate = initial total rate of the highest priority channel * (1-channel retention ratio) * (1-first-level retention ratio), third-level department rate = initial total rate of the highest priority channel * (1-channel retention ratio) * (1-first-level retention ratio) * (1-second-level retention ratio).

[0048] Specifically, the final rate calculation at each level should be based on the channel level, the product year, and the department level of the channel account. The specific calculation process is shown in Table 1, which is a multiplication rate template.

[0049] Table 1 Multiplication rate template

[0050]

[0051] In an embodiment of the present application, after calculating the rate corresponding to the current channel based on the current level, the channel retention ratio of the previous level and the initial total rate, it includes: calculating the channel commission based on the rate corresponding to the current channel.

[0052] It can be understood that the embodiment of the present application can calculate the channel commission based on the rate corresponding to the current channel, which facilitates the calculation and improves the user experience.

[0053] Specifically, this application adopts the following steps to calculate the channel rate, as follows:

[0054] 1. Configuration of product-level rates: The configuration of the product-level rates is the basic rate data. All subsequent data calculations must be based on this rate. Without this configuration, the product cannot be used for order placement.

[0055] 2. Multiplication Template Creation: A multiplication template can be used to add multiple products with configured tiered rates. A tiered template can be assigned to multiple channels. If the tiers of these channels are different, the rates for the same product will also be different. This template is an important verification that the channel can sell the product. Products that can be sold must be included in the template.

[0056] 3. Multiplication rate template on the channel side: After the channel is configured with a multiplication rate template, the channel can also create templates for its subordinates to use. Products can be added to the template and the rates of the corresponding products can be set. The final calculation of this rate depends on the current channel level and the initial rate of the product.

[0057] 4. Calculation of the multiplication rate: When a channel subordinate account (secondary account) wants to place an order, and the current account has its own multiplication rate, the commission rate generated by this product is the total channel rate * (1-channel retention ratio) * (1-first-level retention ratio). If there are multiple levels, the calculation rules are similar. During the calculation, it is necessary to query the original rate of the product, the current level of the channel, the account locked in the level and the corresponding template rate, and obtain the unique rate information in real time through streaming calculation.

[0058] It should be noted that the multiplication grade rate requires several necessary conditions. The specific information is as follows:

[0059] 1) The channel must be configured with different levels in advance. If the channel has not been configured with different levels, the multiplication level template cannot be used;

[0060] 2) The template used by the channel must be a hierarchical template and must not use an addition or subtraction template. If an addition or subtraction template is used, it cannot be switched to a multiplication rate.

[0061] 3) The products in the template can only be products with completed tier information and the corresponding tier rates configured;

[0062] 4) Products are added to the grade template. These products must have been put on the shelves and passed the corresponding review.

[0063] According to the channel rate calculation method proposed in the embodiment of the present application, the initial total rate of the highest priority channel is obtained; the level of the current channel is identified, and the corresponding current level and the previous level channel retention ratio are determined according to the level of the current channel; the rate corresponding to the current channel is calculated according to the current level, the previous level channel retention ratio and the initial total rate. The present application adopts a rate retention method, and multiplication is performed between multiple levels. The rate adjustment is simple and efficient, which reduces the processing volume of system operation data, thereby improving processing efficiency when calculating multiple products and multiple levels. The rate takes effect in real time, improving user experience.

[0064] Next, a channel rate calculation device proposed in an embodiment of the present application will be described with reference to the accompanying drawings.

[0065] Figure 5 It is a block diagram of a channel rate calculation device according to an embodiment of the present application.

[0066] like Figure 5 As shown, the channel rate calculation device 10 includes: an acquisition module 100, an identification module 200 and a calculation module 300.

[0067] Among them, the acquisition module 100 is used to obtain the initial total rate of the highest priority channel; the identification module 200 is used to identify the level of the current channel, and determine the corresponding current level and previous level channel retention ratio based on the level of the current channel; the calculation module 300 is used to calculate the rate corresponding to the current channel based on the current level, previous level channel retention ratio and the initial total rate.

[0068] It should be noted that the above explanation of the embodiment of the method for calculating the channel rate is also applicable to the device for calculating the channel rate of this embodiment, and will not be repeated here.

[0069] According to the channel rate calculation device proposed in the embodiment of the present application, the initial total rate of the highest priority channel is obtained; the level of the current channel is identified, and the corresponding current level and the previous level channel retention ratio are determined according to the level of the current channel; the rate corresponding to the current channel is calculated according to the current level, the previous level channel retention ratio and the initial total rate. The present application adopts a rate retention method, and multiplication is performed before multiple levels. The rate adjustment is simple and efficient, which reduces the processing volume of system operation data, thereby improving processing efficiency in multi-product and multi-level calculations, and the rate takes effect in real time, improving user experience.

[0070] Figure 6 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. The electronic device may include:

[0071] A memory 601 , a processor 602 , and a computer program stored in the memory 601 and executable on the processor 602 .

[0072] When the processor 602 executes the program, the channel rate calculation method provided in the above embodiment is implemented.

[0073] Furthermore, the electronic device further includes:

[0074] The communication interface 603 is used for communication between the memory 601 and the processor 602 .

[0075] The memory 601 is used to store computer programs that can be run on the processor 602 .

[0076] The memory 601 may include a high-speed RAM memory, and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.

[0077] If the memory 601, processor 602, and communication interface 603 are implemented independently, the communication interface 603, memory 601, and processor 602 can be connected to each other via a bus and communicate with each other. The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 6 Only one thick line is used in the diagram, but this does not mean that there is only one bus or one type of bus.

[0078] Optionally, in a specific implementation, if the memory 601, the processor 602 and the communication interface 603 are integrated on a chip, the memory 601, the processor 602 and the communication interface 603 can communicate with each other through an internal interface.

[0079] The processor 602 may be a central processing unit (CPU), an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present application.

[0080] An embodiment of the present application also provides a computer-readable storage medium having a computer program or instructions stored thereon. When the computer program or instructions are executed by a processor, the method for calculating the channel rate as described above is implemented.

[0081] An embodiment of the present application also provides a computer program product, including a computer program or instructions, characterized in that when the computer program or instructions are executed, the above-mentioned channel rate calculation method is implemented.

[0082] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described can be combined in any one or N embodiments or examples in a suitable manner. In addition, those skilled in the art can combine and combine different embodiments or examples described in this specification and features of different embodiments or examples without contradiction.

[0083] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be understood to indicate or imply relative importance or implicitly specify the number of technical features indicated. Thus, a feature specified as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of this application, "N" means at least two, for example, two, three, etc., unless otherwise specifically defined.

[0084] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, fragment or portion of code comprising one or N executable instructions for implementing a custom logical function or process step, and the scope of the preferred embodiments of the present application includes alternative implementations in which functions may be performed in a different order than shown or discussed, including performing functions in a substantially simultaneous manner or in a reverse order depending on the functions involved, which should be understood by those skilled in the art to which the embodiments of the present application pertain.

[0085] It should be understood that various parts of the present application can be implemented using hardware, software, firmware, or a combination thereof. In the above embodiment, the N steps or methods can be implemented using software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented using hardware, as in another embodiment, it can be implemented using any one or a combination of the following technologies known in the art: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application-specific integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0086] Those skilled in the art will understand that all or part of the steps in the method of the above embodiment can be completed by instructing related hardware through a program, and the program can be stored in a computer-readable storage medium. When the program is executed, it includes one or a combination of the steps of the method embodiment.

Claims

1. A method for calculating channel rates, characterized in that: The following steps are involved: Get the initial total rate for the highest priority channel; Identify the level of the current channel, and determine the corresponding current level and previous level channel retention ratios according to the level of the current channel; The rate corresponding to the current channel is calculated according to the current level, the channel retention ratio of the previous level and the initial total rate.

2. The method for calculating channel rates according to claim 1, characterized in that: The calculation formula for calculating the rate corresponding to the current channel based on the current level, the retention ratio of the previous level channel and the initial total rate is: The rate corresponding to the current channel = the initial total rate of the highest priority channel * (1-channel retention ratio) * (1-first-level retention ratio)... * (1-N-level retention ratio), where N is a positive integer and N is the previous level of the current level.

3. The method for calculating channel rates according to claim 1, characterized in that: Before getting the initial total rate for the highest priority channel, including: Get the current product ID and product year; An initial total rate for a highest priority channel is determined based on the current product identification and the product year.

4. The method for calculating channel rates according to claim 1, characterized in that: After the above initial total rates for obtaining the highest priority channels, including: Identify user modification needs; Determine the required modification products, channels and rate change requirements based on the modification requirements, call the reference rate template corresponding to the products and channels, and automatically adjust the reference rate template based on the rate change requirements to generate a corresponding new reference rate template.

5. The method for calculating channel rates according to claim 4, characterized in that: The automatically adjusting the reference rate template according to the rate change requirement to generate a corresponding new reference rate template includes: If the rate change requirement is to increase the rate, then identifying the old channel retention ratio before the modification and the increase rate of the rate change requirement; determining a current initial total rate for the highest priority channel based on the historical initial total rate for the highest priority channel and the increased rate; A new retention ratio is calculated according to the current initial total rate, the increased rate, and the old channel retention ratio, so as to automatically adjust the reference rate template to generate a corresponding new reference rate template.

6. The method for calculating channel rates according to claim 1, characterized in that: After calculating the rate corresponding to the current channel according to the current level, the retention ratio of the previous level channels and the initial total rate, it includes: The channel commission is calculated according to the rate corresponding to the current channel.

7. A channel rate calculation device, characterized in that: include: An acquisition module for obtaining the initial total rate of the highest priority channel; An identification module, used to identify the level of the current channel, and determine the corresponding current level and previous level channel retention ratios according to the level of the current channel; A calculation module is used to calculate the rate corresponding to the current channel based on the current level, the channel retention ratio of the previous level and the initial total rate.

8. An electronic device, characterized in that: include: A memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the method for calculating the channel rate as described in any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, it is used to implement the method for calculating the channel rate as described in any one of claims 1-6.

10. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction is executed, the method for calculating the channel rate as described in any one of claims 1-6 is implemented.

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