Resource data matching method and device, equipment, storage medium and program product

Abstract

The invention provides a resource data matching method and device, equipment, a storage medium and a program product, and can be applied to the technical field of artificial intelligence and financial science and technology. The method comprises the following steps: calling a data source access interface, and sending a resource data request for acquiring resource data to a target data source; target resource data generated in a target time range and sent by a target data source in response to the resource data request is received, and the target resource data comprises first user resource data and second user resource data; based on the first user resource data, the second user resource data and a preset measurement and calculation rule, resource data pools corresponding to the first user and the second user are determined, the resource data pool corresponding to the first user is a first resource data pool, and the resource data pool corresponding to the second user is a second resource data pool; and performing real-time resource data matching on the first resource data pool and the second resource data pool based on a preset matching rule to obtain a resource data matching result.

Description

Technical Field

[0001] The present disclosure relates to the fields of artificial intelligence and financial technology, and in particular to a resource data matching method, device, equipment, storage medium and program product. Background Art

[0002] Large-denomination certificates of deposit transfer refers to individuals or institutions holding large-denomination certificates of deposit transferring their large-denomination certificates of deposit, that is, selling the certificate of deposit rights to other individuals or other institutions. In traditional technology, the transfer of large-denomination certificates of deposit is generally sorted from small to large according to the retention rate range of the certificates of deposit transferred by the customer. Customers can perform secondary sorting based on the yield, amount, and remaining term after the transfer and select the target certificates of deposit for purchase.

[0003] In the process of conceiving the present invention, the inventors found that the transfer process of large-denomination certificates of deposit in the related art was cumbersome, with a low degree of automation and low transfer efficiency; there was a lack of precise matching and recommendations for different customer requirements, and the time cost invested by both buyers and sellers was high, resulting in a low transaction rate. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a resource data matching method, apparatus, device, storage medium and program product.

[0005] According to a first aspect of the present disclosure, there is provided a resource data matching method, comprising: calling a data source access interface to send a resource data request for acquiring resource data to a target data source;

[0006] Receiving target resource data generated within a target time range and sent by the target data source in response to the resource data request, wherein the target resource data includes first user resource data and second user resource data;

[0007] Based on the first user resource data, the second user resource data and the preset calculation rule, determining the resource data pools corresponding to the first user and the second user respectively, wherein the resource data pool corresponding to the first user is the first resource data pool, and the resource data pool corresponding to the second user is the second resource data pool; and

[0008] Based on preset matching rules, real-time resource data matching is performed on the first resource data pool and the second resource data pool to obtain resource data matching results, wherein the preset matching rules are associated with the condition data, amount data, time data and income data in the resource data pool.

[0009] According to an embodiment of the present disclosure, the above-mentioned real-time resource data matching of the above-mentioned first resource data pool and the above-mentioned second resource data pool based on a preset matching rule to obtain a resource data matching result includes: obtaining condition data, amount data, time data, and revenue data in the above-mentioned resource data pool; assigning weights to the above-mentioned condition data, the above-mentioned amount data, the above-mentioned time data, and the above-mentioned revenue data to obtain weight values corresponding to the above-mentioned condition data, the above-mentioned amount data, the above-mentioned time data, and the above-mentioned revenue data respectively; and generating the above-mentioned resource data matching result according to the above-mentioned preset matching rule, the above-mentioned condition data, the above-mentioned amount data, the above-mentioned time data, the above-mentioned revenue data, and their respective corresponding weight values.

[0010] According to an embodiment of the present disclosure, the above-mentioned preset measurement rule includes a first measurement rule, and the above-mentioned first measurement rule corresponds to the above-mentioned first user; wherein, the above-mentioned determining the resource data pools corresponding to the first user and the second user respectively based on the above-mentioned first user resource data, the above-mentioned second user resource data, and the preset measurement rule includes: determining the above-mentioned first resource data pool according to the above-mentioned first user resource data and the above-mentioned first measurement rule.

[0011] According to an embodiment of the present disclosure, the above-mentioned first user resource data includes resource type data and balance data corresponding to the above-mentioned first user; wherein, the above-mentioned determining the above-mentioned first resource data pool according to the above-mentioned first user resource data and the above-mentioned first measurement rule includes: determining resource proportion data corresponding to the above-mentioned first user according to the above-mentioned resource type data; determining available amount data of resources corresponding to the above-mentioned first user according to the above-mentioned balance data corresponding to the target time point; and determining the above-mentioned first resource data pool according to the above-mentioned resource proportion data, the above-mentioned available amount data of resources, and the above-mentioned first measurement rule.

[0012] According to an embodiment of the present disclosure, the above-mentioned preset measurement rule further includes a second measurement rule, and the above-mentioned second measurement rule corresponds to the above-mentioned second user; the above-mentioned determining the resource data pools corresponding to the first user and the second user respectively based on the above-mentioned first user resource data, the above-mentioned second user resource data, and the preset measurement rule further includes: determining the above-mentioned second resource data pool according to the above-mentioned second user resource data and the above-mentioned second measurement rule.

[0013] According to an embodiment of the present disclosure, the above-mentioned second user resource data includes amount data and condition data corresponding to the above-mentioned second user; wherein, the above-mentioned determining the above-mentioned second resource data pool according to the above-mentioned second user resource data and the above-mentioned second measurement rule includes: determining the above-mentioned second resource data pool according to the amount data, the condition data corresponding to the above-mentioned second user, and the above-mentioned second measurement rule.

[0014] According to an embodiment of the present disclosure, determining the first resource data pool according to the above resource proportion data, the above available resource amount data, and the above first measurement rule includes: determining an initial first resource data pool according to the above resource proportion data, the above available resource amount data, and the above first measurement rule; and updating the above initial first resource data pool by using a preset update rule to generate a first resource data pool.

[0015] According to an embodiment of the present disclosure, the above method further includes: performing a resource transfer operation according to the above resource data matching result to generate a resource transfer operation result; and displaying the above resource transfer operation result.

[0016] A second aspect of the present disclosure provides a resource data matching device, including: a resource data request sending module, configured to call a data source access interface and send a resource data request for obtaining resource data to a target data source;

[0017] a target resource data receiving module, configured to receive target resource data generated within a target time range in response to the above resource data request sent by the above target data source, where the above target resource data includes first user resource data and second user resource data;

[0018] a resource data pool determining module, configured to determine resource data pools corresponding to the first user and the second user respectively based on the above first user resource data, the above second user resource data, and a preset measurement rule, where the resource data pool corresponding to the above first user is a first resource data pool, and the resource data pool corresponding to the above second user is a second resource data pool; and

[0019] a resource data matching module, configured to perform real-time resource data matching on the above first resource data pool and the above second resource data pool based on a preset matching rule to obtain a resource data matching result, where the above preset matching rule is associated with condition data, amount data, time data, and revenue data in the above resource data pool.

[0020] A third aspect of the present disclosure provides an electronic device, including: one or more processors; a memory, configured to store one or more computer programs, where the above one or more processors execute the above one or more computer programs to implement the steps of the above method.

[0021] A fourth aspect of the present disclosure further provides a computer-readable storage medium, on which a computer program or instruction is stored, and when the above computer program or instruction is executed by a processor, the steps of the above method are implemented.

[0022] The fifth aspect of the present disclosure also provides a computer program product, including a computer program or instructions, which, when executed by a processor, implement the steps of the above method.

[0023] According to the resource data matching method, device, equipment, storage medium and program product provided by the present disclosure, by determining resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data and a preset calculation rule, real-time resource data matching can be performed on the first resource data pool and the second resource data pool based on a preset matching rule, simplifying the process of resource data matching, saving the time cost of both the buyer and the seller at the same time, and thus obtaining a resource data matching result. Since the resource data matching result is comprehensively obtained based on the condition data, amount data, time data and revenue data of different users in the resource data pool, the accuracy of resource matching and recommendation is improved, and the transaction success rate of resource transfer is further enhanced. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] Through the following description of the embodiments of the present disclosure with reference to the drawings, the above content and other objects, features and advantages of the present disclosure will become clearer. In the drawings:

[0025] Figure 1 Schematically shows an application scenario diagram of the resource data matching method, device, equipment, storage medium and program product according to an embodiment of the present disclosure;

[0026] Figure 2 Schematically shows a flowchart of the resource data matching method according to an embodiment of the present disclosure;

[0027] Figure 3 Schematically shows a system architecture diagram of the resource data matching method according to an embodiment of the present disclosure;

[0028] Figure 4 Schematically shows a structural block diagram of the resource data matching device according to an embodiment of the present disclosure; and

[0029] Figure 5 Schematically shows a block diagram of an electronic device suitable for implementing the resource data matching method according to an embodiment of the present disclosure. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0030] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are merely exemplary and are not intended to limit the scope of the present disclosure. In the following detailed description, for the sake of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. However, it is obvious that one or more embodiments can also be implemented without these specific details. In addition, in the following description, descriptions of well-known structures and technologies are omitted to avoid unnecessarily obscuring the concepts of the present disclosure.

[0031] The terms used herein are merely for the purpose of describing specific embodiments and are not intended to limit the present disclosure. The terms "including", "comprising", etc. used herein indicate the presence of the described features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0032] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those of ordinary skill in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification and should not be interpreted in an idealized or overly rigid manner.

[0033] In the case of using expressions such as "at least one of A, B, and C, etc.", generally, it should be interpreted according to the meaning commonly understood by those of ordinary skill in the art (for example, "a system having at least one of A, B, and C" should include, but not be limited to, a system having only A, having only B, having only C, having A and B, having A and C, having B and C, and / or having A, B, and C, etc.).

[0034] In the technical solution of the present disclosure, the user information involved (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) are all information and data authorized by the user or fully authorized by all parties. Moreover, the processing of relevant data, such as collection, storage, use, processing, transmission, provision, disclosure, and application, etc., all comply with relevant laws, regulations, and standards, take necessary confidentiality measures, do not violate public order and good customs, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0035] In the scenario of making automated decisions using personal information, the methods, devices, and systems provided by the embodiments of the present disclosure all provide corresponding operation entrances for users to choose to agree or reject the results of automated decisions; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision" here refers to the activity of automatically analyzing and evaluating an individual's behavior habits, hobbies, or economic, health, credit status, etc. through a computer program and making decisions. The expression "expert decision" here refers to the activity of making decisions by personnel who are engaged in work in a certain field, have specialized experience, knowledge, and skills, and have reached a certain professional level.

[0036] In the related art, the inventor found that the transfer process of large-denomination certificates of deposit in actual operation is cumbersome, with low automation and low transfer efficiency; there is a lack of precise matching and recommendation for different customer requirements, and the time cost invested by both buyers and sellers is high, resulting in a low transaction rate. In view of this, the present disclosure determines resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data, and a preset calculation rule, so that real-time resource data matching can be performed on the first resource data pool and the second resource data pool based on a preset matching rule, simplifying the process of resource data matching, saving the time cost of both buyers and sellers at the same time, and thus obtaining a resource data matching result. Since the resource data matching result is obtained through comprehensive matching of condition data, amount data, time data, and income data of different users in the resource data pool, the accuracy of resource matching and recommendation is improved, and the transaction rate of resource transfer is further increased.

[0037] The embodiments of the present disclosure provide a method, device, equipment, storage medium, and program product for matching resource data. The method includes: calling a data source access interface and sending a resource data request for obtaining resource data to a target data source; receiving target resource data generated within a target time range in response to the resource data request sent by the target data source, where the target resource data includes first user resource data and second user resource data; determining resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data, and a preset calculation rule, where the resource data pool corresponding to the first user is the first resource data pool, and the resource data pool corresponding to the second user is the second resource data pool; and performing real-time resource data matching on the first resource data pool and the second resource data pool based on a preset matching rule to obtain a resource data matching result.

[0038] Figure 1 Schematically shows an application scenario diagram of the method, device, equipment, storage medium, and program product for matching resource data according to an embodiment of the present disclosure.

[0039] As Figure 1As shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 is used to provide a medium for communication links between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0040] The user can use at least one of the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications may be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (for example only).

[0041] The first terminal device 101, the second terminal device 102, and the third terminal device 103 may be various electronic devices with a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, and desktop computers, etc.

[0042] The server 105 may be a server that provides various services, such as a background management server that supports the websites browsed by the user using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (for example only). The background management server may analyze and process data such as received user requests, and feedback the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0043] It should be noted that the resource data matching method provided by the embodiments of the present disclosure can generally be executed by the server 105. Correspondingly, the resource data matching device provided by the embodiments of the present disclosure can generally be set in the server 105. The resource data matching method provided by the embodiments of the present disclosure can also be executed by a server or a server cluster different from the server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or the server 105. Correspondingly, the resource data matching device provided by the embodiments of the present disclosure can also be set in a server or a server cluster different from the server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or the server 105.

[0044] It should be understood, Figure 1The numbers of the terminal devices, networks, and servers in it are merely illustrative. According to the implementation requirements, there can be any number of terminal devices, networks, and servers.

[0045] Figure 2 Schematically shows a flowchart of a method for matching resource data according to an embodiment of the present disclosure.

[0046] As Figure 2 shown, the method for matching resource data in this embodiment includes operation S210 to operation S240.

[0047] In operation S210, call the data source access interface and send a resource data request for obtaining resource data to the target data source.

[0048] According to an embodiment of the present disclosure, the data source access interface can be an interface corresponding to the target data source, including but not limited to a database interface, a network service interface, a file system interface, a cache interface, and a cloud service interface. The target data source can be an annual report of a financial institution, a financial information platform, or a financial institution data cloud, etc., which can be determined according to the actual situation and is not specifically limited herein.

[0049] In a feasible embodiment, when the target data source is a database, the database interface can be used to interact with the database system to execute SQL queries and operate on the data in the database. For example, JDBC (Java Database Connectivity), ODBC (Open Database Connectivity), etc.

[0050] In operation S220, receive the target resource data generated within the target time range in response to the resource data request sent by the target data source, where the target resource data includes first user resource data and second user resource data.

[0051] According to an embodiment of the present disclosure, the target resource data can be resource data related to large-denomination certificates of deposit. The specific value of the large-denomination certificate of deposit can be determined according to the actual situation and the requirements of the financial company, and is not limited herein. The target resource data can include first user resource data (buyer resource data) and second user resource data (seller resource data). The buyer resource data can include buyer resource type data within the target time range, such as current assets data, fixed-term assets data, principal-guaranteed wealth management data, and money market fund data in the buyer's account. The buyer resource data can also include the available resource data (i.e., available funds data) of the buyer within the target time range. The seller resource data can include amount data, interest data, and condition data.

[0052] In an embodiment of the present disclosure, before obtaining the buyer resource data, consent or authorization of the user (including the buyer and the seller) may be obtained. For example, before operation S220, a request for obtaining user information may be sent to the user. When the user consents or authorizes the obtaining of user information, operation S220 is executed.

[0053] In operation S230, based on the first user resource data, the second user resource data, and a preset measurement rule, resource data pools corresponding to the first user and the second user are determined respectively, where the resource data pool corresponding to the first user is the first resource data pool, and the resource data pool corresponding to the second user is the second resource data pool.

[0054] According to an embodiment of the present disclosure, the resource data pool corresponding to the first user may be the first resource data pool, and the resource data pool corresponding to the second user may be the second resource data pool. The first resource data pool may be calculated according to the first user resource data and the preset measurement rule, and the second resource data pool may be calculated according to the second user resource data and the preset measurement rule. The preset measurement rule may include a first measurement rule corresponding to the first user and a second measurement rule corresponding to the second user.

[0055] In an embodiment of the present disclosure, a corresponding operation entry may be provided for the user (including the buyer and the seller) to select to consent or reject the automated decision result. That is, before processing / measuring the first user resource data and the second user resource data, an instruction of consent or rejection of processing / decision input by the user through the corresponding operation entry may be obtained. If the user consents to the processing / decision, the user information is processed / measured, that is, step S230 is executed. If the user rejects the processing / decision, an expert decision-making process is entered.

[0056] In operation S240, based on a preset matching rule, real-time resource data matching is performed on the first resource data pool and the second resource data pool to obtain a resource data matching result, where the preset matching rule is associated with the condition data, amount data, time data, and revenue data in the resource data pool.

[0057] In an embodiment of the present disclosure, the preset matching rule may be a rule for multi-dimensional and multi-faceted matching according to the first user resource data and the second user resource data, and may be associated with the condition data, amount data, time data, and revenue data in the resource data pool.

[0058] According to an embodiment of the present disclosure, by determining resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data, and a preset calculation rule, real-time resource data matching can be performed on the first resource data pool and the second resource data pool based on a preset matching rule, simplifying the process of resource data matching and saving the time cost of both the buyer and the seller, thereby obtaining a resource data matching result. Since the resource data matching result is comprehensively obtained based on the condition data, amount data, time data, and income data of different users in the resource data pool, the accuracy of resource matching and recommendation is improved, and further the transaction success rate of resource transfer is enhanced.

[0059] According to an embodiment of the present disclosure, real-time resource data matching is performed on the first resource data pool and the second resource data pool based on a preset matching rule to obtain a resource data matching result, including: obtaining the condition data, amount data, time data, and income data in the resource data pool; assigning weights to the condition data, amount data, time data, and income data to obtain weight values corresponding to the condition data, amount data, time data, and income data respectively; and generating a resource data matching result according to the preset matching rule, the condition data, the amount data, the time data, the income data, and their corresponding weight values.

[0060] According to an embodiment of the present disclosure, the resource data pool may include a first (buyer) resource data pool and a second (seller) resource data pool. The resource data corresponding to the buyer in the first resource data pool may include buyer amount data (such as account amount, investment amount), time data (such as signing time), income data (such as expected interest rate), and condition data (such as transaction principle); the resource data corresponding to the seller in the second resource data pool may include seller amount data (such as seller order amount and minimum deposit amount), income data (such as retention interest rate and maturity interest rate), and condition data (such as whether to accept certificate of deposit splitting, transaction principle). The preset matching rule may include a field matching rule and a logical matching condition rule in terms of the matching method.

[0061] According to an embodiment of the present disclosure, weight values can be assigned to the condition data, amount data, time data, and revenue data in the first resource data pool and the second resource data pool according to actual requirements, to obtain their respective corresponding weight values. For example, according to the demand of the buyer in the actual business, the condition data, amount data, time data, and revenue data in the first resource data pool are respectively assigned 20%, 20%, 20%, and 40%. For another example, according to the demand of the seller in the actual business, the condition data, amount data, time data, and revenue data in the second resource data pool are respectively assigned 30%, 10%, 15%, and 45%. It can be understood that the weight values of the condition data, amount data, time data, and revenue data can be determined according to the actual situation, and are not limited herein.

[0062] According to an embodiment of the present disclosure, real-time matching is performed on the condition data, amount data, time data, and revenue data in the resource data pool and different matching methods (field matching rules, logical matching condition rules) based on preset matching rules, which simplifies the matching process of resource data, and corresponding assignments are made to the condition data, amount data, time data, and revenue data according to the actual situation, ensuring the accuracy and effectiveness of the matching result.

[0063] According to an embodiment of the present disclosure, the preset measurement rules include a first measurement rule, and the first measurement rule corresponds to a first user; wherein, based on the first user's resource data, the second user's resource data, and the preset measurement rules, determining the resource data pools corresponding to the first user and the second user respectively includes: determining the first resource data pool according to the first user's resource data and the first measurement rule.

[0064] According to an embodiment of the present disclosure, the first user's resource data may include resource type data corresponding to the first user and balance data, and the resource type data includes but is not limited to current asset data, fixed asset data, principal-guaranteed financial management data, and money market fund data in the buyer's account.

[0065] According to an embodiment of the present disclosure, the first user's resource data includes resource type data corresponding to the first user and balance data; wherein, determining the first resource data pool according to the first user's resource data and the first measurement rule includes: determining the resource proportion data corresponding to the first user according to the resource type data; determining the available amount data of the resources corresponding to the first user according to the balance data corresponding to the target time point; and determining the first resource data pool according to the resource proportion data, the available amount data of the resources, and the first measurement rule.

[0066] According to an embodiment of the present disclosure, taking the first user (buyer) of a large-denomination certificate of deposit as an example, obtain the sum of the current assets data, time assets data, principal-guaranteed wealth management assets data, and money market fund assets data in the buyer's R account assets, and the proportion i of savings assets can be calculated. θ , and the specific operation is shown in formula (1):

[0067]

[0068] Among them, θ is the proportion of available current funds in each type of asset; z1 represents current assets data, z2 represents deposit assets data, z3 represents principal-guaranteed wealth management assets data, z4 represents money market fund assets data; z n represents each type of asset held by the first user.

[0069] The end-of-day balance data of the buyer R's account in the recent t - 1 days, as well as the shares of the time assets data, principal-guaranteed wealth management assets data that will expire on the tth day, and the money market fund assets data that can be redeemed and credited on the tth day can be divided to evaluate the current account asset precipitation of the buyer R on the tth day, that is, the available investment funds amount b of the buyer R on the tth day. t(x) , and the specific operation is shown in formula (2):

[0070] b t (x) = b t-1 +L1 + L2 + L3 (2);

[0071] Among them, b t-1 represents the balance of the current account on the previous day; L1 represents the amount of time assets due on the tth day, L2 represents the amount of principal-guaranteed wealth management products due on the tth day, and L3 represents the amount of money market funds that can be redeemed and credited on the tth day.

[0072] Furthermore, according to the available investment funds amount b of the buyer R on the tth day t(x) , the funds amount z that the buyer R can use to purchase principal-guaranteed investment products on the tth day can be calculated t , and the specific operation is shown in formula (3):

[0073] z t = b t(x) *i θ (3);

[0074] The funds amount z t can be used as a reference threshold for the account retention balance of the buyer R. Furthermore, the above two index data of N buyers can be statistically analyzed to obtain the preference portrait parameters of the first user (buyer), and the total available investment amount of this buyer group on the tth day and the available amount of fixed-income products H(t) can be calculated. The specific operation is shown in formula (4):

[0075] H(t) = Z t (4);

[0076] According to an embodiment of the present disclosure, the preset measurement rule further includes a second measurement rule, which corresponds to a second user; based on the first user resource data, the second user resource data, and the preset measurement rule, determining the resource data pools corresponding to the first user and the second user respectively further includes: determining a second resource data pool according to the second user resource data and the second measurement rule.

[0077] According to an embodiment of the present disclosure, the second user resource data may include amount data, interest data, and condition data. The determination of the second resource data pool may be calculated according to the amount data, the interest data, the condition data, and the second measurement rule.

[0078] According to an embodiment of the present disclosure, the second user resource data includes the amount data and the condition data corresponding to the second user; wherein, determining the second resource data pool according to the second user resource data and the second measurement rule includes: determining the second resource data pool according to the amount data, the condition data corresponding to the second user, and the second measurement rule.

[0079] According to an embodiment of the present disclosure, the second user resource data may include amount data, condition data, and income data. The amount data may include the total order amount data, the minimum deposit amount data, and the condition data of the second user; the income data may include the reserved interest rate and the maturity interest rate of the second user; the condition data may include relevant data such as whether to accept certificate of deposit splitting and the transaction principle.

[0080] In a feasible embodiment, taking a second user (seller) of a large-denomination certificate of deposit as an example, when obtaining the certificate of deposit held by the seller W for order transfer, after setting a reserved interest, for the order transfer, a label of "whether to transfer in one go" may be added to the receipt method. By selecting whether the label is selected, the certificate of deposit is split.

[0081] For the user's certificate of deposit that accepts non-one-time transfer, it can be split according to the certificate of deposit amount in accordance with the minimum deposit amount of the large-denomination certificate of deposit, that is, the large-denomination certificate of deposit amount is split into integer parts according to the minimum deposit amount in shares, and the specific operation is shown in formula (5):

[0082]

[0083] Wherein, T sum represents the total transfer amount of the second user; D sum represents the total amount of the large-denomination certificate of deposit, D mi represents the minimum deposit amount of the large-denomination certificate of deposit, and R represents the remaining amount after splitting and rounding. It can be understood that when the buyer purchases, it purchases in multiples of the minimum deposit amount, and the integer part is given priority in transaction over the part less than the multiple.

[0084] According to an embodiment of the present disclosure, a first resource data pool is determined according to resource proportion data, resource available amount data, and a first measurement rule, including: determining an initial first resource data pool according to the resource proportion data, the resource available amount data, and the first measurement rule; and updating the initial first resource data pool by using a preset update rule to generate the first resource data pool.

[0085] According to an embodiment of the present disclosure, the initial first resource data pool may be the total available investment amount of the buyer group on day t calculated according to the above formula (4) and the available amount H(t) of fixed-income products. Since the savings assets held by the first user may change every day, such as early withdrawal, fund redemption, pledged wealth management, etc., resulting in a possible change in the proportion i of the first user's tendency to invest in savings assets θ There may be a change, that is, for the corresponding changes that may occur in the total available investment amount of the buyer group on day t and the available amount H(t) of fixed-income products, the preset update rule is used to update the total available investment amount of the buyer group on day t and the available amount H(t) of fixed-income products.

[0086] In a feasible embodiment, the total available investment amount of the buyer group on day t and the available amount H(t) of fixed-income products may be used as a first resource calculation model. The average available balance H' within short periods of 5 days, 10 days, 20 days, and 30 days may be calculated for the assets of the first user's individual account, and the fitting parameters obtained by adding the average calculation θ to the first resource calculation model and inputting them into a new first resource calculation model may be used. After the sample data accumulates to a certain amount, the final available investment amount of the buyer group R on day t and the available amount H'(t) of fixed-income products are obtained. θ represents the model adjustment average parameter, and the calculation method of H'(t) is specifically operated as shown in formula (6):

[0087] H'(t) = θZ t + θ (6);

[0088] It should be noted that the specific value of θ can be determined according to the actual situation and is not specifically limited here.

[0089] In a feasible embodiment, for the first resource calculation model, the first users who meet the amount for purchasing large-denomination certificates of deposit (for example, the minimum deposit amount for large-denomination certificates of deposit is 200,000 yuan) are screened and signed through a form of entrustment agreement. The agreement stipulates the minimum expected rate of return of the first user (buyer). When there is a transfer of large-denomination certificates of deposit that meets the conditions, the system automatically deducts the funds in the account and directly purchases the certificates automatically. When the actual deduction is made, if the account funds are unavailable or insufficient, it will rotate to the next buyer.

[0090] According to an embodiment of the present disclosure, considering that in the actual business process, the savings assets held by the buyer user may change daily, the initial first resource data pool is updated to obtain the first resource data pool, ensuring the accuracy of the data in the first resource data pool and guaranteeing the accuracy rate of the matching results of the subsequent resource data.

[0091] According to an embodiment of the present disclosure, the method further includes: performing a resource transfer operation according to the resource data matching result to generate a resource transfer operation result; and displaying the resource transfer operation result.

[0092] According to an embodiment of the present disclosure, the resource data matching result can represent the matching degree between the first user's resource data and the second user's resource data. The higher the matching degree, the higher the priority of the resource transfer operation. The resource transfer operation result can be displayed in the form of a result data chart or a result digital report through a client device. For example, it can be displayed in formats such as PDF documents and spreadsheets.

[0093] In a feasible embodiment, when a second user (seller) transfers a large-denomination certificate of deposit, the system can judge the priority of the resource transfer operation according to the customer resource data at the time of transfer, based on conditional data such as the order amount, order time, reserved interest rate, and whether to split flag of the certificate of deposit at the time of placing the order. When the certificate of deposit is successfully matched in the first resource data pool, the transfer transaction is successful and the funds are credited.

[0094] In a feasible embodiment, the system can sort according to the first resource data pool and the second resource data pool in the resource data pool and a preset matching rule, with the fastest transaction as the priority principle, the transaction amount (large orders are preferred over small orders), and the buyer's signing time, and then conduct a negotiated transaction. After the transaction, the scenarios are divided into the following two major categories. Specifically, in the present disclosure, Table 1 is taken as an example for illustration. Table 1 shows the resource data content of the buyer and seller of transfer certificate of deposit A and transfer certificate of deposit B according to the embodiment of the present disclosure.

[0095] Table 1

[0096]

[0097] In a feasible embodiment, the system calculates the capital precipitation of the first user (buyer) on day t-1, and users who will have certificates of deposit due, wealth management due, or hold money market funds that can be redeemed on the same day on day t, and screens out the first user group with a balance of more than 200,000, and records the first user's signing time and expected return. Specifically, in the present disclosure, Table 2 is taken as an example for illustration. Table 2 shows the relevant content of the first user information according to the embodiment of the present disclosure.

[0098] Table 2

[0099]

[0100]

[0101] On day t, Seller A, Seller B, Seller C, and Seller D placed orders respectively, set reserve interest rates respectively, and configured whether to accept splitting. Specifically in this disclosure, Table 3 is taken as an example for illustration. Table 3 shows the relevant content of the second user information according to the embodiments of this disclosure.

[0102] Table 3

[0103]

[0104] Match according to the preset matching rules. After successful matching, the following deposit receipts can be traded in real time to achieve resource transfer. Specifically in this disclosure, Table 4 is taken as an example for illustration. Table 4 shows the relevant content of the resource transfer operation results (transaction results) according to the embodiments of this disclosure.

[0105] Table 4

[0106]

[0107]

[0108] Figure 3 Schematically shows a system architecture diagram of a method for matching resource data according to an embodiment of this disclosure.

[0109] As Figure 3 shown, it is possible to obtain target resource data 310 generated within a target time range sent by a target data source. The target resource data 310 includes first user resource data 311 and second user resource data 322. Thus, based on the first user resource data 311, the second user resource data 312, and a preset measurement rule, resource data pools 320 corresponding to the first user and the second user respectively can be determined. The resource data pool corresponding to the first user is the first resource data pool 321, and the resource data pool corresponding to the second user is the second resource data pool 322. Furthermore, based on the preset matching rules, real-time resource data matching can be performed on the first resource data pool 321 and the second resource data pool 322 to obtain a resource data matching result 330. Resource transfer operations are performed according to the resource data matching result 330 to generate a resource transfer operation result 340, and the resource transfer operation result can be displayed.

[0110] Based on the above method for matching resource data, this disclosure also provides a device for matching resource data. The following will be combined with Figure 4 to describe this device in detail.

[0111] Figure 4 Schematically shows a structural block diagram of a device for matching resource data according to an embodiment of this disclosure.

[0112] As Figure 4 shown, the matching device for resource data of this embodiment includes a resource data request sending module 410, a target resource data receiving module 420, a resource data pool determining module 430, and a resource data matching module 440.

[0113] The resource data request sending module 410 is configured to call a data source access interface and send a resource data request for obtaining resource data to a target data source. In one embodiment, the resource data request sending module 410 may be configured to perform the operation S210 described above, which will not be elaborated here.

[0114] The target resource data receiving module 420 is configured to receive target resource data generated within a target time range in response to the resource data request sent by the target data source, where the target resource data includes first user resource data and second user resource data. In one embodiment, the target resource data receiving module 420 may be configured to perform the operation S220 described above, which will not be elaborated here.

[0115] The resource data pool determining module 430 is configured to determine resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data, and a preset measurement rule, where the resource data pool corresponding to the first user is the first resource data pool, and the resource data pool corresponding to the second user is the second resource data pool. In one embodiment, the resource data pool determining module 430 may be configured to perform the operation S230 described above, which will not be elaborated here.

[0116] The resource data matching module 440 is configured to perform real-time resource data matching on the first resource data pool and the second resource data pool based on a preset matching rule to obtain a resource data matching result, where the preset matching rule is associated with condition data, amount data, time data, and revenue data in the resource data pool. In one embodiment, the resource data matching module 440 may be configured to perform the operation S230 described above, which will not be elaborated here.

[0117] According to an embodiment of the present disclosure, through a resource data request sending module 410, a target resource data receiving module 420, a resource data pool determination module 430, and a resource data matching module 440 in a resource data matching device, by based on first user resource data, second user resource data, and a preset measurement rule, a resource data pool corresponding to each of the first user and the second user is determined, so that real-time resource data matching can be performed on the first resource data pool and the second resource data pool based on a preset matching rule, simplifying the process of resource data matching, saving the time cost of both the buyer and the seller, and thus obtaining a resource data matching result. Since the resource data matching result is comprehensively matched based on condition data, amount data, time data, and revenue data of different users in the resource data pool, the accuracy of resource matching and recommendation is improved, and the transaction success rate of resource transfer is further enhanced.

[0118] According to an embodiment of the present disclosure, the resource data matching module includes: a data acquisition sub-module, a weight assignment sub-module, and a resource data matching result generation sub-module.

[0119] The data acquisition sub-module is used to acquire condition data, amount data, time data, and revenue data in the resource data pool.

[0120] The weight assignment sub-module is used to assign weights to the condition data, amount data, time data, and revenue data to obtain weight values corresponding to the condition data, amount data, time data, and revenue data respectively.

[0121] The resource data matching result generation sub-module is used to generate a resource data matching result according to a preset matching rule, condition data, amount data, time data, and revenue data, and their respective weight values.

[0122] According to an embodiment of the present disclosure, the preset measurement rule includes a first measurement rule, and the first measurement rule corresponds to the first user; wherein, the resource data pool determination module includes: a first resource data pool determination sub-module, which is used to determine the first resource data pool according to the first user resource data and the first measurement rule.

[0123] According to an embodiment of the present disclosure, the first user resource data includes resource type data and balance data corresponding to the first user; wherein, the first resource data pool determination sub-module includes: a resource proportion data determination unit, an available amount data determination unit, and a first resource data pool determination unit.

[0124] The resource proportion data determination unit is used to determine resource proportion data corresponding to the first user according to the resource type data.

[0125] The available amount data determination unit is used to determine available amount data of the resources corresponding to the first user according to the balance data corresponding to the target time point.

[0126] The first resource data pool determination unit is configured to determine the first resource data pool according to the resource proportion data, the available resource amount data, and the first measurement rule.

[0127] According to an embodiment of the present disclosure, the preset measurement rule further includes a second measurement rule, and the second measurement rule corresponds to a second user; the resource data pool determination module further includes: a second resource data pool determination sub-module, configured to determine a second resource data pool according to the second user resource data and the second measurement rule.

[0128] According to an embodiment of the present disclosure, the second user resource data includes the amount data and the condition data corresponding to the second user; wherein, the second resource data pool determination sub-module includes: a second resource data pool determination unit, configured to determine the second resource data pool according to the amount data, the condition data corresponding to the second user, and the second measurement rule.

[0129] According to an embodiment of the present disclosure, the first resource data pool determination unit includes: an initial first resource data pool determination sub-unit and a first resource data pool generation sub-unit.

[0130] The initial first resource data pool determination sub-unit is configured to determine the initial first resource data pool according to the resource proportion data, the available resource amount data, and the first measurement rule.

[0131] The first resource data pool generation sub-unit is configured to update the initial first resource data pool by using a preset update rule to generate the first resource data pool.

[0132] According to an embodiment of the present disclosure, the apparatus further includes: an operation result generation module and a result display module.

[0133] The operation result generation module is configured to perform a resource transfer operation according to the resource data matching result to generate a resource transfer operation result.

[0134] The result display module is configured to display the resource transfer operation result.

[0135] According to an embodiment of the present disclosure, any combination of the resource data request sending module 410, the target resource data receiving module 420, the resource data pool determining module 430, and the resource data matching module 440 may be combined and implemented in one module, or any one of them may be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules may be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the resource data request sending module 410, the target resource data receiving module 420, the resource data pool determining module 430, and the resource data matching module 440 may be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on a substrate, a system in a package, an application specific integrated circuit (ASIC), or any other reasonable manner of integrating or packaging circuits, etc., implemented by hardware or firmware, or implemented in any one of the three implementation manners of software, hardware, and firmware, or in an appropriate combination of any several of them. Alternatively, at least one of the resource data request sending module 410, the target resource data receiving module 420, the resource data pool determining module 430, and the resource data matching module 440 may be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is run.

[0136] Figure 5 FIG. schematically shows a block diagram of an electronic device suitable for implementing the resource data matching method according to an embodiment of the present disclosure.

[0137] As Figure 5 shown, the electronic device 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage section 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general microprocessor (such as a CPU), an instruction set processor, and / or a related chipset, and / or a dedicated microprocessor (such as an application specific integrated circuit (ASIC)), etc. The processor 501 may also include on-board memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0138] In the RAM 503, various programs and data required for the operation of the electronic device 500 are stored. The processor 501, the ROM 502, and the RAM 503 are connected to each other via a bus 504. The processor 501 performs various operations of the method flow according to the embodiments of the present disclosure by executing the programs in the ROM 502 and / or the RAM 503. It should be noted that the programs may also be stored in one or more memories other than the ROM 502 and the RAM 503. The processor 501 may also perform various operations of the method flow according to the embodiments of the present disclosure by executing the programs stored in the one or more memories.

[0139] According to an embodiment of the present disclosure, the electronic device 500 may further include an input / output (I / O) interface 505, and the input / output (I / O) interface 505 is also connected to the bus 504. The electronic device 500 may further include one or more of the following components connected to the input / output (I / O) interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage portion 508 including a hard disk, etc.; and a communication portion 509 including a network interface card such as a LAN card, a modem, etc. The communication portion 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output (I / O) interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on the drive 510 as needed so that a computer program read therefrom is installed into the storage portion 508 as needed.

[0140] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist separately without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the method according to the embodiments of the present disclosure is implemented.

[0141] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example, but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In the present disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present disclosure, the computer-readable storage medium may include the above-described ROM 502 and / or RAM 503 and / or one or more memories other than ROM 502 and RAM 503.

[0142] An embodiment of the present disclosure further includes a computer program product, which includes a computer program that contains program code for executing the method shown in the flowchart. When the computer program product runs in a computer system, the program code is used to enable the computer system to implement the resource data matching method provided by the embodiments of the present disclosure.

[0143] When the computer program is executed by the processor 501, it executes the above functions defined in the system / apparatus of the embodiments of the present disclosure. According to an embodiment of the present disclosure, the above-described systems, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0144] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices and magnetic storage devices. In another embodiment, the computer program may also be transmitted and distributed in the form of a signal on a network medium, and downloaded and installed through the communication part 509, and / or installed from the removable medium 511. The program code included in the computer program may be transmitted by any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0145] In such an embodiment, the computer program may be downloaded and installed from the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the processor 501, it executes the above functions defined in the system of the embodiments of the present disclosure. According to an embodiment of the present disclosure, the above-described systems, devices, apparatuses, modules, units, etc. may be implemented by computer program modules.

[0146] According to embodiments of the present disclosure, program code for executing the computer programs provided by the embodiments of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. The programming languages include, but are not limited to, programming languages such as Java, C++, Python, the "C" language, or similar programming languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user's computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (for example, by using an Internet service provider to connect through the Internet).

[0147] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram can represent a module, a program segment, or a part of code that contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than that marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they can sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and combinations of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0148] Those skilled in the art can understand that the features recited in the various embodiments and / or claims of the present disclosure can be combined or combined in various ways, even if such combinations or combinations are not explicitly recited in the present disclosure. In particular, without departing from the spirit and teachings of the present disclosure, the features recited in the various embodiments and / or claims of the present disclosure can be combined and combined in various ways. All such combinations and / or combinations fall within the scope of the present disclosure.

[0149] The embodiments of the present disclosure have been described above. However, these embodiments are merely for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments have been described separately above, this does not mean that the measures in each embodiment cannot be used advantageously in combination. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art can make various substitutions and modifications, and all such substitutions and modifications should fall within the scope of the present disclosure.

Claims

1. A method for matching resource data, characterized in that The method includes: Invoking a data source access interface to send a resource data request for obtaining resource data to a target data source; Receiving target resource data generated within a target time range in response to the resource data request by the target data source, where the target resource data includes first user resource data and second user resource data; Based on the first user resource data, the second user resource data, and a preset measurement rule, determining resource data pools corresponding to the first user and the second user respectively, where the resource data pool corresponding to the first user is the first resource data pool, and the resource data pool corresponding to the second user is the second resource data pool; and Performing real-time resource data matching on the first resource data pool and the second resource data pool based on a preset matching rule to obtain a resource data matching result, where the preset matching rule is associated with condition data, amount data, time data, and revenue data in the resource data pool.

2. The method according to claim 1, wherein The performing real-time resource data matching on the first resource data pool and the second resource data pool based on a preset matching rule to obtain a resource data matching result includes: Obtaining the condition data, amount data, time data, and revenue data in the resource data pool; Assigning weights to the condition data, the amount data, the time data, and the revenue data to obtain weight values corresponding to the condition data, the amount data, the time data, and the revenue data respectively; and Generating the resource data matching result according to the preset matching rule, the condition data, the amount data, the time data, the revenue data, and their respective weight values.

3. The method according to claim 1, characterized in that, The preset measurement rule includes a first measurement rule corresponding to the first user; where the determining resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data, and the preset measurement rule includes: Determining the first resource data pool according to the first user resource data and the first measurement rule.

4. The method according to claim 3, wherein The first user resource data includes resource type data and balance data corresponding to the first user; where the determining the first resource data pool according to the first user resource data and the first measurement rule includes: Determining resource proportion data corresponding to the first user according to the resource type data; Determining resource available amount data corresponding to the first user according to the balance data corresponding to the target time point; and Determining the first resource data pool according to the resource proportion data, the resource available amount data, and the first measurement rule.

5. The method according to claim 1, characterized in that, The preset measurement rule further includes a second measurement rule corresponding to the second user; the determining resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data, and the preset measurement rule further includes: Determining the second resource data pool according to the second user resource data and the second measurement rule.

6. The method according to claim 5, wherein The second user resource data includes amount data and condition data corresponding to the second user; wherein, determining the second resource data pool according to the second user resource data and the second measurement rule includes: Determining the second resource data pool according to the amount data, condition data corresponding to the second user, and the second measurement rule.

7. The method according to claim 4, characterized in that Determining the first resource data pool according to the resource proportion data, the available resource amount data, and the first measurement rule includes: Determining an initial first resource data pool according to the resource proportion data, the available resource amount data, and the first measurement rule; and Updating the initial first resource data pool by using a preset update rule to generate a first resource data pool.

8. The method according to claim 1, characterized in that, The method further includes: Performing a resource transfer operation according to the resource data matching result to generate a resource transfer operation result; and Displaying the resource transfer operation result.

9. A matching device for resource data, characterized in that, The device includes: A resource data request sending module, configured to call a data source access interface to send a resource data request for obtaining resource data to a target data source; A target resource data receiving module, configured to receive target resource data generated within a target time range in response to the resource data request sent by the target data source, where the target resource data includes first user resource data and second user resource data; A resource data pool determining module, configured to determine resource data pools corresponding to the first user and the second user respectively based on the first user resource data, the second user resource data, and a preset measurement rule, where the resource data pool corresponding to the first user is a first resource data pool, and the resource data pool corresponding to the second user is a second resource data pool; and A resource data matching module, configured to perform real-time resource data matching on the first resource data pool and the second resource data pool based on a preset matching rule to obtain a resource data matching result, where the preset matching rule is associated with condition data, amount data, time data, and revenue data in the resource data pool.

10. An electronic device, comprising: One or more processors; A memory, configured to store one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 8.

11. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, The computer program or instruction, when executed by a processor, implements the steps of the method according to any one of claims 1 to 8.

12. A computer program product comprising a computer program or instructions, characterized in that, The computer program or instruction, when executed by a processor, implements the steps of the method according to any one of claims 1 to 8.

Images