Payment authorization method, system and storage medium for a funding position management system

Abstract

The application relates to the technical field of payment authorization, and proposes a payment authorization method and system for a fund position management system and a storage medium, which comprises the following steps: acquiring a plurality of payment requests of each account and processing records thereof, and recording the bearable capacity of each period; determining the concurrency coefficient of each period; obtaining the influence evaluation of each account; grading all accounts according to the influence evaluation to obtain the basic influence scale of each payment request; analyzing the influence of the basic influence scale and the approval times of each payment request on the current period, combining the time difference between the sending time of each payment request and the current period, and determining the delay margin of the current period; acquiring the authorization evaluation of each payment request in the current period; and automatically authorizing based on the authorization evaluation of the payment request. The application aims to solve the problem that the automatic authorization of payment requests according to the amount does not consider the system stability and the dynamic change of the bearable capacity of the clearing account.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of payment authorization, in particular to a payment authorization method and system for a fund position management system and a storage medium. BACKGROUND

[0002] Fund position management belongs to the management of intraday liquidity risk, and the basic purpose is to meet regulatory requirements, ensure smooth payment, and ensure that the clearing account is not overdrawn, and enough reserve amount is left at the end of the day, while avoiding excessive fund sedimentation (which will lead to high asset sedimentation cost), so as to truly realize the unified management of liquidity, safety and profitability; The fund position management system often needs to process a large number of payment requests in daily operation, therefore, in order to improve the efficiency of auditing and operation, the automatic payment process has been widely used in the fund position management system, and the automatic execution of payment approval and authorization processing by using the automatic payment process can greatly reduce the burden of manual auditing and operation.

[0003] In the prior art, the automatic authorization of payment requests is usually determined by a fixed amount threshold, and the payment requests with small amounts are automatically authorized, but this determination method has poor flexibility, and does not consider the dynamic changes of system stability and the carrying capacity of the clearing account, and a large number of payment requests with large amounts and high frequencies for a long time will cause a large number of payment requests to be stranded in the system, which seriously interferes with the stability of the system, therefore, it is necessary to dynamically evaluate the influence of the payment request on the clearing account, and on the basis of ensuring the stability of the system, the authorization evaluation of the current payment request is obtained in combination with the processing efficiency of the system, and the automatic authorization determination is performed. SUMMARY

[0004] The present application provides a payment authorization method and system for a fund position management system and a storage medium, to solve the problem that the existing payment request is automatically authorized according to the amount without considering the dynamic changes of system stability and the carrying capacity of the clearing account, and the technical solution adopted is as follows:

[0005] The present application provides a payment authorization method and system for a fund position management system and a storage medium, to solve the problem that the existing payment request is automatically authorized according to the amount without considering the dynamic changes of system stability and the carrying capacity of the clearing account, and the technical solution adopted is as follows:

[0006] A plurality of payment requests and their processing records of each account are obtained, the processing records include sending time, approval times, request amount and processing time consumption; and the carrying capacity of each period is recorded;

[0007] Based on the difference between the received and authorized payment requests in different phases of the same day, the concurrency coefficient of each period is determined; according to the processing time consumption and the approval times of each payment request of the same account, in combination with the concurrency coefficient of the corresponding period, the influence evaluation of each account is obtained; all accounts are classified according to the influence evaluation, in combination with the request amount of each payment request of each account and the carrying capacity of the corresponding period, the basic influence scale of each payment request is obtained;

[0008] analyze the basic influence scale of each payment request and the influence of the number of approvals on the current period, determine the delay margin of the current period in combination with the time difference between the sending time of each payment request and the current period, analyze the basic influence scale of each payment request and the influence of the number of approvals on the subsequent period, and obtain the authorization evaluation of each payment request in the current period in combination with the delay margin of the current period;

[0009] Based on the authorization evaluation of the payment request, automatic authorization is performed to realize payment authorization for the fund position management system.

[0010] Optionally, the concurrency coefficient of each period is specifically obtained by:

[0011] For any same period in different days, the system busy degree of the period in each day is quantified based on the difference between the number of received payment requests in the period and the number of authorized payment requests in the period;

[0012] The system busy degrees of the period in all days are averaged to obtain the concurrency coefficient of the period.

[0013] Optionally, the specific method for obtaining the influence evaluation of each account includes:

[0014] For any one payment request of any one account, the product of the processing time and the number of approvals of the payment request is taken as the influence importance factor of the payment request;

[0015] The weight of the payment request is obtained according to the difference between 1 and the concurrency coefficient of the period corresponding to the payment request, the influence importance factors of each payment request of the account are weighted and summed to obtain the influence evaluation of the account.

[0016] Optionally, the specific method for classifying all accounts according to the influence evaluation includes:

[0017] All accounts are clustered according to their influence evaluations, and the distance measurement adopts the absolute value of the difference between the influence evaluations of each account to obtain a plurality of clusters;

[0018] The influence evaluation mean of all accounts in any cluster is calculated as the average influence evaluation of the cluster;

[0019] All clusters are sorted according to the influence evaluation from low to high, and the serial number of each cluster is taken as the influence level of each account in the corresponding cluster.

[0020] Optionally, the specific method for obtaining the basic influence scale of each payment request includes:

[0021] The ratio of the request volume of any payment request from any account to the capacity of the time period in which it is sent is used as the initial load ratio of that payment request.

[0022] Based on the influence level of the account, the scale base is adjusted to obtain the basic influence scale of the payment request.

[0023] Optionally, the method for analyzing the impact of the basic impact scale and approval frequency of each payment request on the current time period, and determining the delay margin for the current time period by combining the time difference between the sending time of each payment request and the current time period, includes the following specific methods:

[0024] Obtain payment requests that are still pending in the current time period and record them as pending payment requests in the current time period; analyze the impact of the basic impact scale and the number of approvals of pending payment requests on the current time period to obtain the delay component of each pending payment request on the current time period;

[0025] Delay margin for the current period The calculation method is as follows:

[0026]

[0027] in, This indicates the number of pending payment requests in the current time period. Indicates the number of the current time period The delayed component of a pending payment request. Indicates the number of the current time period The number of time intervals between the time period in which the delayed payment request was sent and the current time period; It is a linear rectified function; This represents the sigmoid function.

[0028] Optionally, the specific method for obtaining the delay component of each delayed payment request for the current time period includes:

[0029] For any delayed payment request, obtain the ratio of the number of delayed payment requests to the capacity of the current time period, which is recorded as the current load ratio of the delayed payment request, and obtain the number of times the delayed payment request has been approved up to the first moment of the current time period, which is recorded as the number of times the delayed payment request has been approved in the current time period.

[0030] No. Delayed payment request for the current period of the delay component The calculation method is as follows:

[0031]

[0032] in, Indicates the first Basic impact scale of the payment request, represents a preset load threshold, represents the Current load ratio of the payment request, represents the The number of times of approval of the payment request before the first time point of the current period, is a hyperparameter.

[0033] Optionally, the authorization evaluation of each payment request in the current period is obtained by the following method:

[0034] For any one payment request in the current period, if the delay component of the payment request is greater than or equal to 0, the authorization evaluation of the payment request is set to 1; if the delay component of the payment request is less than 0, the authorization evaluation of the payment request is set to 0;

[0035] For any one new payment request in the current period, the basic impact scale of the new payment request is obtained, and the number of times of approval of the new payment request after the authorization evaluation of the payment request is determined is recorded as the number of times of approval of the new payment request;

[0036] The authorization evaluation of the new payment request is calculated by the following method:

[0037]

[0038] wherein, represents the basic impact scale of the new payment request, represents the number of times of approval of the new payment request, represents the delay margin of the current period, represents an exponential function with a natural constant as a base.

[0039] The application further provides a payment authorization system for a fund position management system, which comprises:

[0040] A payment request obtaining module is configured to obtain a plurality of payment requests and processing records of each account, and record the bearable capacity of each period;

[0041] A payment request processing module is configured to determine a concurrency coefficient of each period based on the difference between received and authorized payment requests in the same period of different days, obtain an impact evaluation of each account according to the processing time and the number of approvals of each payment request of the same account, and combine the concurrency coefficient of the corresponding period, obtain the basic impact scale of each payment request by classifying all accounts according to the impact evaluation, and combining the request amount of each payment request of each account and the bearable capacity of the corresponding period.

[0042] analyze the basic influence scale of each payment request and the influence of the number of approvals on the current period, determine the delay margin of the current period in combination with the time difference between the sending time of each payment request and the current period, analyze the basic influence scale of each payment request and the influence of the number of approvals on the subsequent period, and obtain the authorization evaluation of each payment request in the current period in combination with the delay margin of the current period;

[0043] The payment authorization determination module is used for automatic authorization based on the authorization evaluation of the payment request, and realizes the payment authorization of the fund position management system.

[0044] The application also provides a storage medium for payment authorization of a fund position management system, which comprises a memory, a processor, and a computer program stored in the memory and running on the processor, and the processor realizes the steps of the above method when executing the computer program.

[0045] The application has the following beneficial effects: the application analyzes the processing process of a plurality of payment requests of each account, quantifies the payment request characteristics of each account to obtain an influence level, and quantifies the basic influence scale of the payment request by combining the influence level with the influence of the payment request on the system stability and the subsequent clearing account; the system busy degree is quantified by the difference between the number of received and authorized payment requests in each period, a concurrency coefficient is obtained and used as a weight, the referenceability of the processing time of each payment request under the same account is adjusted, the influence level of each account is quantified by combining the number of approvals, the high-frequency large-amount request characteristics of the payment request are reflected, the influence of the payment request on the subsequent period clearing account is quantified, the basic influence scale is obtained to reflect the delay influence of each payment request on the clearing account; the application obtains the remaining payment request and the new payment request in the current period, analyzes the relationship between the basic influence scale of the remaining payment request and the request amount and the bearable amount of the current period, judges the authorization or interception of the remaining payment request in the current period to avoid the influence on the system stability of the current period and the subsequent clearing account, obtains the delay margin of the current period for adjusting the authorization priority of the new payment request, analyzes the influence of the new payment request on the system stability and the subsequent clearing account, and finally obtains the authorization evaluation of each remaining payment request and new payment request in the current period; the delay margin of each subsequent period is obtained and the authorization priority of the new payment request is adjusted to ensure that there are not too many remaining payment requests in each period, ensure the system stability and normal authorization determination of the subsequent clearing account, realize the automatic authorization of the payment request of the fund position management system, and ensure the system stability and flexible and efficient authorization process. BRIEF DESCRIPTION OF DRAWINGS

[0046] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiments or prior art description. Obviously, the drawings in the following description only constitute some embodiments of the present application, and for those skilled in the art, other drawings can also be obtained from these drawings without creative labor.

[0047] Figure 1 A payment authorization method flowchart for a fund position management system provided by an embodiment of the present application;

[0048] Figure 2 A whole processing flowchart for a payment request;

[0049] Figure 3 A state constitution diagram for a payment request in a time period;

[0050] Figure 4 A payment authorization flowchart for a payment request;

[0051] Figure 5 A payment authorization system structure block diagram for a fund position management system provided by another embodiment of the present application. DETAILED DESCRIPTION

[0052] The technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments only constitute some embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative labor fall within the scope of protection of the present application.

[0053] Please refer to Figure 1 which shows a payment authorization method flowchart for a fund position management system provided by an embodiment of the present application. The method comprises the following steps:

[0054] Step S001, obtaining a plurality of payment requests and their processing records of each account, and recording the bearable amount of each time period.

[0055] The purpose of the present embodiment is to dynamically evaluate the influence degree of the current payment request on the clearing account, and to automatically authorize the current payment request based on the influence degree. Therefore, firstly, a plurality of payment requests and their processing records of the fund position management system background are obtained, and each day is divided into time periods to reflect the similar running state of different days in the same time period in the fund position management system.

[0056] Specifically, a plurality of payment requests are obtained from the fund position management system background, each payment request is from an account, and a plurality of payment requests of each account are obtained. Meanwhile, the processing records of each payment request are obtained in the system background, including the sending time of the payment request, the number of approvals, the request amount and the processing time consumption, wherein the sending time is the time when the payment request is initiated. The initial value of the number of approvals is 1, and the number of approvals is increased by 1 each time the system approves the payment request. Some payment requests are authorized after multiple approvals. The payment amount of the payment request is recorded as the request amount of the payment request in this embodiment. The processing time consumption is the time spent between the time when the payment request is initiated and the time when the authorization is successful. The processing records of each payment request are obtained.

[0057] Further, each day is evenly divided into a plurality of time periods, and the time length of each time period in this embodiment is described by taking 15 minutes as an example. A plurality of time periods are obtained, and the balance of the clearing account at the first time in each time period is taken as the carrying capacity of the corresponding time period.

[0058] It should be noted that, as shown in Figure 2 The overall processing flow of the payment request is shown, the payment request is sent first, then the control is determined, based on the determination result, the authorization process is entered, and the automatic authorization determination and whether manual review is needed are performed, and the payment result is returned. The purpose of automatic authorization is to improve the processing efficiency of the management system, and at the same time, to ensure that the authorization of the payment request does not have a great impact on the stability of the system during the process of improving the processing efficiency. Therefore, the degree of impact of the payment request on the system needs to be analyzed, so as to ensure the stability of the system, and the automatic authorization determination is combined with the authorization evaluation of the payment request.

[0059] Step S002, based on the difference between the received and authorized payment requests in the same time period of different days, the concurrency coefficient of each time period is determined; according to the processing time consumption and the number of approvals of each payment request of the same account, the influence evaluation of each account is obtained in combination with the concurrency coefficient of the corresponding time period; all accounts are classified according to the influence evaluation, and the basic influence scale of each payment request is obtained in combination with the request amount of each payment request of each account and the carrying capacity of the corresponding time period.

[0060] It should be noted that, first, the processing efficiency of each time period for the payment request needs to be determined, so as to reflect the system busy degree of each time period. The closer the number of received payment requests is to the number of authorized payment requests, the better the authorization determination of the payment request in the corresponding time period can be processed, and the smaller the possibility of system busy in the corresponding time period and the smaller the concurrency coefficient. Conversely, the greater the difference between the number of received payment requests and the number of authorized payment requests, the more payment requests cannot be processed in the corresponding time period, the greater the possibility of system busy, and the greater the corresponding concurrency coefficient.

[0061] Preferably, in one embodiment of the present invention, the concurrency coefficient for each time period is determined based on the differences in payment requests received and authorized during the same time period on different days. The specific method includes:

[0062] For any identical time period within different days, the system busyness of that time period within each day is quantified by the difference between the number of payment requests received and the number of authorized payment requests within that time period within each day; the average system busyness of that time period across all days is then taken as the concurrency coefficient for that time period.

[0063] As an example, the first Concurrency coefficient for each time period The calculation method is as follows:

[0064]

[0065] in, This indicates the total number of days involved in processing payment requests in the cash position management system. Indicates the first Heavenly The number of payment requests received in each time period. Indicates the first Heavenly The number of payment requests authorized within a given time period.

[0066] It should be further explained that in the process of authorizing payment requests, it is necessary to specifically analyze the impact of payment requests on the clearing account and system efficiency. Payment requests with large amounts or high importance should be intercepted and authorized through manual review. The importance of the payment request is reflected in the processing time and number of approvals. The longer the processing time and the more approvals, the more likely the payment request may need to go through multiple approvals before authorization. This situation is more complex and has a significant impact on system stability and the clearing amount and capacity. Therefore, it is necessary to intercept the request and conduct subsequent manual review.

[0067] Preferably, in one embodiment of the present invention, the impact assessment of each account is obtained based on the processing time and number of approvals for each payment request of the same account, combined with the concurrency coefficient of the corresponding time period. The specific method includes:

[0068] For any payment request from any account, the product of the processing time and the number of approvals for that payment request is taken as the important factor affecting the payment request; the weight of the payment request is obtained by subtracting the concurrency coefficient of the corresponding time period from 1; and the important factors affecting the payment requests of the account are weighted and summed to obtain the impact evaluation of the account.

[0069] As an example, the first Impact assessment of individual accounts The calculation method is as follows:

[0070]

[0071] in, Indicates the first The total number of payment request processing records under each account, i.e., the number of payment requests; Indicates the first The first account The concurrency coefficient of each payment request within the corresponding time period. Indicates the first The first account The processing time of each payment request, Show the first The first account Number of times a payment request is approved. Indicates the first The first account A key factor influencing the impact of payment requests. This represents the weight normalization function, where the object being normalized is the first... All payment requests under one account .

[0072] It should be noted that the importance of a payment request is reflected by the product of processing time and the number of approvals. The longer the processing time and the more approvals, the more likely the payment request will require manual review, thus increasing its impact and preventing rapid authorization from affecting system stability. At the same time, to avoid increasing processing time due to system overload, the inverse proportional value of the concurrency coefficient is used as a weight to reduce the reference value of the important factors. The higher the concurrency coefficient, the more the processing time of the payment request may be affected by system overload during the corresponding period, and the lower its reference value, the lower its corresponding weight. The impact evaluation of the account is obtained by weighting and summing these factors.

[0073] It should be further explained that accounts are classified based on impact assessments, and several impact levels are obtained through cluster analysis between impact assessments. The higher the impact level of an account, the more likely it is to be an account with high-frequency, large-amount payments. The larger the proportion of the payment amount, i.e. the request volume, of its payment requests in the corresponding period, the greater the impact of the corresponding payment requests on the subsequent system's clearing account. The clearing account's ability to process large-amount payment requests will decrease for a longer period of time.

[0074] Preferably, in one embodiment of the present invention, all accounts are classified according to impact assessment, and the basic impact scale of each payment request is obtained by combining the request volume of each payment request of each account and the carrying capacity of the corresponding time period. The specific method includes:

[0075] The AP clustering is performed on all accounts according to their impact evaluations, and the distance measurement is the absolute value of the difference between the impact evaluations of the accounts, to obtain several clusters; the average impact evaluation of all accounts in any cluster is calculated as the average impact evaluation of the cluster; all clusters are sorted from low to high according to the impact evaluation, and the serial number of each cluster is used as the impact level of each account in the corresponding cluster.

[0076] Further, the ratio of the request amount of any payment request of any account to the bearable amount of the period in which the request is sent is used as the starting load ratio of the payment request; the basic impact scale of the payment request is obtained by adjusting the scale base in combination with the impact level of the account.

[0077] As an example, the basic impact scale of the first payment request of the first account is calculated as follows:

[0078]

[0079] wherein, represents the impact level of the first account, represents the starting load ratio of the first payment request of the first account, represents the preset scale base, and represents the linear normalization function, and the normalization object is the of each payment request of each account. represents the floor function. It should be noted that the greater the impact level and the greater the starting load ratio of the payment request, the greater the impact of the payment request on the subsequent clearing account. The basic impact scale is obtained in combination with the scale base, and is used for the authorization priority allocation of the payment request in the subsequent authorization evaluation quantization process.

[0080] Up to now, the system busy degree is quantified by the difference between the received and authorized payment request amounts of each period, the concurrency coefficient is obtained and used as a weight to adjust the referenceability of the processing time of each payment request of the same account, the impact level of each account is quantified in combination with the approval number, the high-frequency large-amount request characteristics of the payment request are reflected, and the impact of the payment request on the subsequent clearing account is quantified to obtain the basic impact scale to reflect the delay impact of each payment request on the clearing account.

[0081] Up to now, the system busy degree is quantified by the difference between the received and authorized payment request amounts of each period, the concurrency coefficient is obtained and used as a weight to adjust the referenceability of the processing time of each payment request of the same account, the impact level of each account is quantified in combination with the approval number, the high-frequency large-amount request characteristics of the payment request are reflected, and the impact of the payment request on the subsequent clearing account is quantified to obtain the basic impact scale to reflect the delay impact of each payment request on the clearing account.

[0082] ​​​​​​Step S003, analyze the basic influence scale and the influence of the number of approvals of each payment request on the current period, determine the delay margin of the current period in combination with the time difference between the sending time of each payment request and the current period, analyze the basic influence scale and the influence of the number of approvals of each payment request on the subsequent period under the current period, and obtain the authorization evaluation of each payment request in the current period in combination with the delay margin of the current period.

[0083] It should be noted that the un-authorized payment request will cause congestion in the system if it stays in the management system. For a number of payment requests received in the current period, if there are many payment requests staying in the current period, the priority of the newly added payment request needs to be reduced, and the previously accumulated payment request is processed first. Figure 3 As shown in the figure, it shows the state composition of the payment request in the period, including the number of staying payment requests, the number of newly added payment requests, and the number of authorized payment requests. At the same time, the staying payment request changes with the period, and the load ratio, i.e. the relationship between the request amount and the bearable amount of the current period, also changes. The greater the load ratio, the greater the influence on the system stability. The corresponding payment request still needs to continue to stay, which does not affect the authorization priority of the newly added payment request in the current period. For the staying payment request which has been approved for many times and has a small load ratio, it will cause the authorization delay of the current period. In this way, the delay component of each payment request on the current period is quantified.

[0084] Preferably, in an embodiment of the present application, the influence of the basic influence scale and the number of approvals of each payment request on the current period is analyzed, the delay margin of the current period is determined in combination with the time difference between the sending time of each payment request and the current period, and the specific method comprises:

[0085] For the current period, the payment request still staying in the current period is obtained, which is recorded as the staying payment request of the current period. For any staying payment request, the ratio of the request amount of the staying payment request to the bearable amount of the current period is obtained, which is recorded as the current load ratio of the staying payment request, and the number of approvals of the staying payment request before the first time point of the current period is obtained as the number of approvals of the staying payment request in the current period. Then the delay component of the first staying payment request on the current period is calculated by the following formula:

[0086]

[0087] Wherein, represents the basic influence scale of the first staying payment request, represents a preset load threshold, and the present embodiment adopts for description; represents the number of approvals of the first ​the current load ratio of the i-th remaining payment request, represents the i-th the number of times the i-th remaining payment request has been approved before the first time point of the current period; To avoid the denominator being 0, the present embodiment adopts For example, the present embodiment will be described.

[0088] It should be noted that the greater the basic impact scale and the greater the current load ratio exceed the preset load threshold, the greater the impact of the remaining payment request on the system stability of the current period and the impact after processing. Combined with the number of times it has been approved, it needs to be reviewed by multiple people and should be retained in the system for subsequent manual review to avoid a large impact on system stability and clearing accounts after authorization. Accordingly, the delay component will be negative; On the contrary, the smaller the basic impact scale and the smaller the current load ratio, the smaller the impact of authorization on system stability, and the delay of the remaining payment request authorized for priority should be considered.

[0089] It should be further noted that obtaining all basic impact scales covers the delay component of the payment request in the current period, i.e. the delay component of the payment request that is still remaining in the current period, and the delay effect caused by the remaining payment request that is still not authorized in the current period is integrated to obtain the delay margin of the current period.

[0090] Specifically, the delay margin of the current period is calculated as follows:

[0091]

[0092] wherein, represents the number of remaining payment requests in the current period, represents the delay component of the i-th remaining payment request in the current period, represents the delay component of the i-th remaining payment request in the current period, represents the number of periods between the period in which the sending time point of the i-th remaining payment request is located and the current period; is a linear rectifier function for outputting negative numbers as 0 to ensure the non-negativity of the output result; represents a sigmoid function, which is used for normalization processing in the present embodiment.

[0093] ​​It is required to be explained that the delay margin is obtained by synthesizing delay components, and the delay component being negative number indicates that the authorization of the corresponding payment request for retention has a great impact on the system stability and clearing account, so that the corresponding payment request for retention is not considered to be processed, and the delay margin does not need to be calculated; in the case of the delay component being positive number, the greater the interval between the period in which the sending time is located and the current period, the longer the retention time, the more it should be processed preferentially, and the greater the delay impact, so as to obtain the delay margin of the current period.

[0094] Preferably, in an embodiment of the present application, the basic influence scale of each payment request in the current period and the influence of the number of approvals on the subsequent period are analyzed, and the delay margin of the current period is combined to obtain the authorization evaluation of each payment request in the current period, including the specific method:

[0095] It is required to be explained that for the automatic authorization of each payment request in the current period, the authorization evaluation is given to the payment request for retention according to the delay component, and for the new payment request, the basic influence scale is obtained and the number of approvals is combined to quantify the authorization evaluation, the greater the basic influence scale and the fewer the number of approvals, the greater the subsequent influence of the corresponding new payment request on the system stability and clearing account, and the automatic authorization of the new payment request should be intercepted for subsequent manual review, and then the authorization evaluation of the new payment request is quantified.

[0096] Specifically, for any one payment request for retention in the current period, if the delay component of the payment request for retention is greater than or equal to 0, the authorization evaluation of the payment request for retention is set to 1; if the delay component of the payment request for retention is less than 0, the authorization evaluation of the payment request for retention is set to 0.

[0097] Further, for any one new payment request in the current period, the basic influence scale of the new payment request is obtained, and the number of approvals of the new payment request after the authorization evaluation of the payment request for retention is determined is recorded as the number of approvals of the new payment request, and the authorization evaluation of the new payment request is The calculation method is:

[0098]

[0099] Among them, the basic influence scale of the new payment request, the number of approvals of the new payment request, the delay margin of the current period, the exponential function with natural constant as base, and the present embodiment adopts model to present inverse proportional relationship and normalization processing, For the input of the model, the implementer can set the inverse proportional function and the normalization function according to the actual situation.

[0100] It should be noted that the smaller the delay margin is, the stronger the processing capacity of the current period for the new payment request is, and the greater the authorization evaluation is. The greater the basic influence scale of the new payment request is and the smaller the number of approved times is, the greater the subsequent influence on the system stability and the clearing account is, and the more likely it is to need subsequent manual review, and the smaller the authorization evaluation is.

[0101] So far, the lag payment request and the new payment request are obtained in the current period, and the relationship between the basic influence scale of the lag payment request and the request quantity and the bearable capacity of the current period is analyzed to determine the authorization or interception of the lag payment request in the current period, avoid the influence on the system stability of the current period and the subsequent clearing account, obtain the delay margin of the current period, and use the delay margin to adjust the authorization priority of the new payment request. The influence of the new payment request on the system stability and the subsequent clearing account is analyzed, and finally the authorization evaluation of each lag payment request and new payment request in the current period is obtained.

[0102] Step S004, automatic authorization based on the authorization evaluation of the payment request, realizes the payment authorization of the fund position management system.

[0103] Specifically, a preset automatic authorization threshold is adopted, and the automatic authorization threshold of the embodiment is described by adopting 0.75. If the authorization evaluation of any payment request in the current period is greater than the automatic authorization threshold, the payment request is automatically authorized. If the authorization evaluation of the payment request is less than or equal to the automatic authorization threshold, the payment request is intercepted and waits for manual review and authorization.

[0104] Further, when the fund position management system operates according to the above processing process, the automatic authorization step of the payment request includes:

[0105] 1) The account sends a payment request, and the system performs control and judgment;

[0106] 2) The payment request is controlled and landed, and enters the authorization process;

[0107] 3) The delay margin of the current period is updated in real time;

[0108] 4) The authorization evaluation of the current payment request is obtained;

[0109] 5) Automatic authorization judgment is performed according to the authorization evaluation of the payment request, otherwise, the manual review process is entered;

[0110] For example, Figure 4As shown, it shows the authorization flow diagram of the payment request, the payment request A is directly authorized by automatic authorization determination, the payment request B is authorized by manual review after not passing the automatic authorization, and the payment request C is authorized by automatic authorization determination after not passing the automatic authorization and manual review, so as to realize the payment request authorization process of the fund position management system.

[0111] At this point, by analyzing the processing process of a plurality of payment requests of each account, the payment request characteristics of each account are quantified to obtain the influence level, and the influence level is combined with the influence of the payment request on the system stability and the subsequent clearing account to quantify the basic influence scale of the payment request, so as to comprehensively obtain the delay margin of each subsequent period and adjust the authorization priority of the new payment request, so as to ensure that there are not too many stranded payment requests in each period, and ensure the system stability and normal authorization determination of the subsequent clearing account, so as to realize the automatic authorization of the payment request of the fund position management system, and ensure the system stability and flexible and efficient authorization process.

[0112] Please refer to Figure 5 , which shows the system structure block diagram of the payment authorization system for the fund position management system provided by another embodiment of the application, and the system comprises:

[0113] The payment request acquisition module 101 acquires a plurality of payment requests of each account and their processing records, and records the bearable amount of each period;

[0114] The payment request processing module 102 determines the concurrency coefficient of each period based on the difference between the received and authorized payment requests in the same period of different days, obtains the influence evaluation of each account according to the processing time and the number of approvals of each payment request of the same account, and combines the concurrency coefficient of the corresponding period, obtains the basic influence scale of each payment request by classifying all accounts according to the influence evaluation, and combining the request amount of each payment request of each account and the bearable amount of the corresponding period;

[0115] The analysis of the basic influence scale and the number of approvals of each payment request on the current period, combined with the time difference between the sending time of each payment request and the current period, determines the delay margin of the current period; the analysis of the basic influence scale and the number of approvals of each payment request on the subsequent period, combined with the delay margin of the current period, obtains the authorization evaluation of each payment request of the current period;

[0116] The payment authorization determination module 103 automatically authorizes based on the authorization evaluation of the payment request, and realizes the payment authorization for the fund position management system.

[0117] The application further provides a payment authorization storage medium for a fund position management system, including a memory, a processor, and a computer program stored in the memory and running on the processor, and when the processor executes the computer program, the above method steps S001 to S004 are realized.

[0118] The above merely provides the preferred embodiment of the application, and is not intended to limit the application. Any modification, equivalent replacement, improvement, etc. made within the principle of the application shall be included in the protection scope of the application.

Claims

1. A payment authorization method for a position management system, characterized by, The method comprises the following steps: Obtaining a plurality of payment requests of each account and processing records thereof, the processing records comprising a sending time, a number of approvals, a request amount and a processing time consumption; and recording a bearable amount of each period; Based on differences between received and authorized payment requests in the same period of different days, determining a concurrency coefficient of each period; based on the processing time consumption and the number of approvals of each payment request of the same account, and in combination with the concurrency coefficient of the corresponding period, obtaining an influence evaluation of each account; classifying all accounts according to the influence evaluation, and obtaining a basic influence scale of each payment request in combination with the request amount of each payment request of each account and the bearable amount of the corresponding period; Analyzing influences of the basic influence scale and the number of approvals of each payment request on the current period, and determining a delay margin of the current period in combination with time differences between the sending time of each payment request and the current period; analyzing influences of the basic influence scale and the number of approvals of each payment request on subsequent periods in the current period, and obtaining an authorization evaluation of each payment request of the current period in combination with the delay margin of the current period; Based on the authorization evaluation of the payment request, automatically authorizing to realize payment authorization of the fund position management system; The concurrency coefficient of each period is specifically obtained as follows: For any same period in different days, a difference value obtained by subtracting the number of authorized payment requests from the number of received payment requests in the period of each day is used to quantify a system busy degree of the period of each day; A mean value of the system busy degrees of the period of all days is obtained as the concurrency coefficient of the period. The influence evaluation of each account is obtained as follows: For any one payment request of any one account, a product of the processing time consumption and the number of approvals of the payment request is used as an influence important factor of the payment request; A difference value obtained by subtracting the concurrency coefficient of the corresponding period of the payment request from 1 is used to obtain a weight of the payment request, and the influence important factors of each payment request of the account are weighted and summed to obtain the influence evaluation of the account.

2. The payment authorization method for a position management system according to claim 1, characterized by, The classification of all accounts according to the influence evaluation is specifically performed as follows: All accounts are clustered according to the influence evaluation, a distance measurement adopts an absolute value of a difference between the influence evaluations of the accounts, and a plurality of clusters are obtained; A mean value of the influence evaluations of all accounts in any one cluster is calculated as an average influence evaluation of the cluster; All clusters are sorted according to the influence evaluation from low to high, and serial numbers of the clusters are used as influence levels of the accounts in the corresponding clusters.

3. The payment authorization method for a position management system according to claim 1, characterized by, The basic influence scale of each payment request is obtained as follows: A ratio of the request amount of any one payment request of any one account to the bearable amount of the period in which the sending time of the payment request is located is used as a starting load ratio of the payment request; In combination with the influence level of the account, a scale base is adjusted to obtain the basic influence scale of the payment request.

4. The payment authorization method for a position management system according to claim 1, characterized by, The method for analyzing influences of the basic influence scale and the number of approvals of each payment request on the current period, and determining the delay margin of the current period in combination with time differences between the sending time of each payment request and the current period is specifically performed as follows: Obtaining a payment request still remaining in the current period, denoted as a remaining payment request in the current period; analyzing the influence of the basic influence scale and the number of approvals of the remaining payment request on the current period to obtain a delay component of each remaining payment request on the current period; delay margin of the current period The calculation method is as follows: ； wherein, represents the number of the pending payment requests of the current period, represents the number of the pending payment requests of the current period, represents the delay component of the i-th pending payment request of the current period, represents the number of the pending payment requests of the current period, represents the number of the periods between the period where the sending time of the i-th pending payment request of the current period is located and the current period; is a linear rectifier function; represents a sigmoid function.

5. The payment authorization method for the position management system according to claim 4, characterized by, The specific method for obtaining the delay component of each remaining payment request on the current period comprises the following steps: For any remaining payment request, obtaining a ratio of the request amount of the remaining payment request to the bearable amount of the current period, denoted as a current load ratio of the remaining payment request, and obtaining the number of approvals of the remaining payment request before the first time point of the current period, as the number of approvals of the remaining payment request in the current period; The first The delay component of the delay of the pending payment request to the current time period is calculated as follows: The delay component of the delay of the pending payment request to the current time period is calculated as follows: ； wherein, represents the first basic impact scale of the represents a preset load threshold, represents the first current load ratio of the represents the first number of times of having been approved before the first time of the current period of the is a hyperparameter.

6. The payment authorization method for the position management system according to claim 5, wherein, The specific method for obtaining the authorization evaluation of each payment request in the current period comprises the following steps: For any remaining payment request in the current period, if the delay component of the remaining payment request is greater than or equal to 0, setting the authorization evaluation of the remaining payment request to 1; If the delay component of the remaining payment request is less than 0, setting the authorization evaluation of the remaining payment request to 0; For any new payment request in the current period, obtaining the basic influence scale of the new payment request, and the number of approvals of the new payment request after the authorization evaluation of all remaining payment requests is completed, denoted as the number of approvals of the new payment request; The added payment request is evaluated for authorization The calculation method is as follows: ； wherein, represents the basic impact scale of the added payment request, represents the number of approved times of the added payment request, represents the delay margin of the current period, represents an exponential function with a natural constant as the base.

7. A payment authorization system for a funds position management system, the system being configured to implement the steps of the method of payment authorization for a funds position management system according to any one of claims 1 to 6, characterized in that, The system comprises: A payment request obtaining module configured to obtain a plurality of payment requests and processing records of each account, and record the bearable amount of each period; A payment request processing module configured to determine a concurrency coefficient of each period based on the difference between received and authorized payment requests in the same period of different days, obtain an influence evaluation of each account based on the processing time and the number of approvals of each payment request of the same account, and combine the concurrency coefficient of the corresponding period, obtain the basic influence scale of each payment request based on the request amount of each payment request of each account and the bearable amount of the corresponding period, and classify all accounts based on the influence evaluation to obtain the basic influence scale of each payment request; Analyzing the influence of the basic influence scale and the number of approvals of each payment request on the current period, combining the time difference between the sending time of each payment request and the current period to determine the delay margin of the current period, analyzing the influence of the basic influence scale and the number of approvals of each payment request on the subsequent period in the current period, and combining the delay margin of the current period to obtain the authorization evaluation of each payment request in the current period; A payment authorization determining module configured to automatically authorize based on the authorization evaluation of the payment request to realize payment authorization of the fund position management system.

8. A payment authorization storage medium for a funds position management system, comprising a memory, a processor, and a computer program stored in the memory and running on the processor, characterized in that, The processor executes the computer program to realize the steps of the payment authorization method of the fund position management system according to any one of claims 1-6. The processor executes the computer program to realize the steps of the payment authorization method of the fund position management system according to any one of claims 1-6.

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