A method, system and device for configuring a dynamic tariff for a target user

Abstract

The embodiment of the present application provides a kind of target user's dynamic rate configuration method, system and equipment, method includes: receiving the rate configuration request for target user;According to the rate configuration request of target user, call the multi-source data of target user, according to the user level in multi-source data, user type, service scenario and user state information, determine the rate type of target user;According to the user level in multi-source data, user type, historical transaction amount, month transaction number, transaction channel, service scenario and user state information and the rate type of target user, determine the dynamic rate value of target user;The dynamic rate value of target user is verified multidimensionally;When multidimensional verification is passed, dynamic rate value is updated to configuration management layer, and the dynamic rate configuration of target user is completed.The present application can solve the problem of poor adaptability of traditional fixed / graded rate.

Description

Technical Field

[0001] This invention relates to the field of payment rate configuration technology, and in particular to a method, system and device for configuring dynamic rates for target users. Background Technology

[0002] With the rapid development of digital payments and online transactions, payment service providers need to offer paid services to a large number of merchants of different sizes, types, and transaction behaviors. Traditional fee configuration methods typically use fixed rates or simple tiered rates, which cannot be flexibly and accurately adjusted dynamically based on multi-dimensional information such as user level, merchant type, historical transaction data, business scenario, transaction channel, and user risk status.

[0003] Existing technologies offer relatively limited rate configuration options, lacking mechanisms for switching between various rate types such as fixed rates, percentage rates, tiered rates, progressive rates, regressive rates, and capped / guaranteed rates. This makes it difficult to adapt to diverse business scenarios, including small-amount, high-frequency transactions, large-amount, low-frequency transactions, installment payments, and public welfare services. Furthermore, most existing solutions rely on manual configuration, resulting in delayed adjustments, low efficiency, and an inability to achieve automated rate calculation and updates based on real-time data.

[0004] In addition, existing fee systems generally lack a complete multi-dimensional verification mechanism, which can easily lead to problems such as unreasonable fees, mismatched risks, and incomplete data. This not only affects the platform's revenue and compliance, but also makes it impossible to provide differentiated services and precise support to high-quality merchants, micro-merchants, and non-profit organizations. Summary of the Invention

[0005] The technical problem to be solved by the embodiments of the present invention is to provide a method, system and device for configuring dynamic rates for target users, which can dynamically match rate modes based on user level, type, transaction behavior, channel scenario and risk status, and solve the problem of poor adaptability of traditional fixed / tiered rates.

[0006] To solve the above-mentioned technical problems, the technical solution of the present invention is as follows: A method for configuring dynamic rates for target users includes: Receive rate configuration requests for the target user; Based on the rate configuration request of the target user, retrieve the target user's multi-source data, which includes: user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario and user status information; Based on the user level, user type, business scenario and user status information in the multi-source data, the rate type of the target user is determined. The rate type includes: fixed rate, percentage rate, tiered rate, progressive rate, regressive rate and capped and guaranteed rate. Based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario and user status information in the multi-source data, as well as the rate type of the target user, the dynamic rate value of the target user is determined; The dynamic rate values ​​of the target users are verified from multiple dimensions; When the multi-dimensional verification is passed, the dynamic rate value is updated to the configuration management layer to complete the dynamic rate configuration for the target user.

[0007] Optionally, based on the rate configuration request of the target user, retrieve multi-source data of the target user, including: Based on the user's unique identifier in the rate configuration request, retrieve the user's level, user type, and user status information from the user information database; Based on the user's unique identifier in the rate configuration request, retrieve the target user's historical transaction amount and monthly transaction count from the transaction database; Based on the user's unique identifier in the rate configuration request, retrieve transaction channel and business scenario information from the business configuration library; The user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information are cleaned, completed, and formatted to obtain multi-source data of the target user.

[0008] Optionally, based on user level, user type, business scenario, and user status information in the multi-source data, the rate type of the target user is determined, including: Based on the user status information, determine the rate type of the target user or proceed to the next level of judgment; Based on the business scenario, determine the rate type for the target user or proceed to the next level of judgment; Based on the user type, determine the rate type for the target user or proceed to the next level of judgment; The rate type for the target user is determined based on the user level, user type, and business scenario.

[0009] Optionally, based on user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information from the multi-source data, as well as the target user's rate type, the dynamic rate value of the target user is determined, including: If the rate type of the target user is a fixed rate, the dynamic rate value of the target user is determined according to the user level and user type; If the rate type of the target user is a percentage rate, the dynamic rate value of the target user is determined according to the user level, user type and transaction channel; If the target user's rate type is tiered rate, the dynamic rate value of the target user is determined based on the user type, historical transaction amount, and monthly transaction count; If the target user's rate type is progressive rate, the dynamic rate value of the target user is determined based on the user type and the amount of a single transaction; If the rate type of the target user is a regressive rate, the dynamic rate value of the target user is determined based on the user type and historical transaction amount; If the rate type of the target user is a capped and guaranteed rate, the dynamic rate value of the target user is determined according to the user status, user level, and user type.

[0010] Optionally, based on the user status information, determine the rate type of the target user or proceed to the next level of judgment, including: according to Determine the rate type for the target user or proceed to the next level of judgment; in, A For user status information, X Rate type for target users.

[0011] Optionally, the dynamic rate value of the target user is verified in multiple dimensions, including: The dynamic rate values ​​for the target users are verified for compliance. If the compliance verification passes, a logical consistency verification is performed on the dynamic rate value of the target user. If the logical consistency verification passes, the data integrity of the dynamic rate value of the target user is verified.

[0012] Optionally, when the multi-dimensional verification passes, the dynamic rate value is updated to the configuration management layer to complete the dynamic rate configuration for the target user, including: The verified dynamic rate value, rate type, and user identifier will be synchronously written to the configuration management layer database. Generate configuration records and update user rate profiles; Return a successful configuration result to the target user, completing the dynamic rate configuration for the target user.

[0013] Embodiments of the present invention also provide a dynamic rate configuration system for target users, comprising: The transceiver module is used to receive rate configuration requests for target users; The processing module is used to retrieve multi-source data of the target user based on the target user's rate configuration request. The multi-source data includes: user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information. Based on the user level, user type, business scenario, and user status information in the multi-source data, the module determines the target user's rate type, which includes: fixed rate, percentage rate, tiered rate, progressive rate, regressive rate, and capped / guaranteed rate. Based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information in the multi-source data, as well as the target user's rate type, the module determines the target user's dynamic rate value. The module performs multi-dimensional verification on the target user's dynamic rate value. When the multi-dimensional verification passes, the dynamic rate value is updated to the configuration management layer, completing the dynamic rate configuration for the target user.

[0014] Embodiments of the present invention also provide a computing device, comprising: One or more processors; A storage device for storing one or more programs that, when executed by one or more processors, cause the one or more processors to perform the method as described above.

[0015] Embodiments of the present invention also provide a computing device readable storage medium storing a program that, when executed by a processor, implements the method described above.

[0016] The above-described solutions of the embodiments of the present invention have at least the following beneficial effects: The above-described solution in this invention achieves precise rate configuration through multi-source data fusion. It dynamically matches rate models based on user level, type, transaction behavior, channel scenario, and risk status, solving the problem of poor adaptability of traditional fixed / tiered rate systems. It supports flexible switching between six rate types: fixed, proportional, tiered, progressive, regressive, and capped / guaranteed rates, comprehensively covering diverse scenarios such as small-amount high-frequency transactions, large-amount low-frequency transactions, and public welfare services, thus improving business adaptability. Automated calculation and real-time data-driven processes replace manual configuration, significantly improving efficiency and reducing lag. Multi-dimensional verification through compliance, logical consistency, and data integrity ensures reasonable and compliant rates and risk matching, reducing errors and compliance risks. Simultaneously, differentiated rates can be implemented for high-quality merchants, micro-merchants, and public welfare organizations, achieving precise support and refined operation, balancing platform revenue, risk control security, and user experience. Attached Figure Description

[0017] Figure 1 This is a flowchart illustrating the method for configuring dynamic rates for target users according to an embodiment of the present invention.

[0018] Figure 2 This is a schematic diagram of the module of the dynamic rate configuration system for target users provided in an embodiment of the present invention. Detailed Implementation

[0019] Exemplary embodiments of the invention will now be described in more detail with reference to the accompanying drawings. While exemplary embodiments of the invention are shown in the drawings, it should be understood that the invention may be implemented in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this invention will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.

[0020] like Figure 1 As shown, an embodiment of the present invention provides a method for configuring dynamic rates for a target user, including: Step 11: Receive the rate configuration request for the target user; Step 12: Based on the rate configuration request of the target user, retrieve the multi-source data of the target user. The multi-source data includes: user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario and user status information. Step 13: Based on the user level, user type, business scenario and user status information in the multi-source data, determine the rate type of the target user. The rate type includes: fixed rate, percentage rate, tiered rate, progressive rate, regressive rate and capped and guaranteed rate. Step 14: Determine the dynamic rate value of the target user based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario and user status information in the multi-source data, as well as the rate type of the target user. Step 15: Perform multi-dimensional verification of the dynamic rate value of the target user; Step 16: When the multi-dimensional verification is passed, update the dynamic rate value to the configuration management layer to complete the dynamic rate configuration for the target user.

[0021] In this embodiment, precise fee rate configuration is achieved through multi-source data fusion. Fee rate models can be dynamically matched based on user level, type, transaction behavior, channel scenario, and risk status, solving the problem of poor adaptability of traditional fixed / tiered fee rates. It supports flexible switching between six fee rate types: fixed, proportional, tiered, progressive, regressive, and capped / guaranteed, comprehensively covering diverse scenarios such as small-amount high-frequency transactions, large-amount low-frequency transactions, and public welfare services, improving business adaptability. Automated calculation and real-time data-driven processes replace manual configuration, significantly improving efficiency and reducing lag. Multi-dimensional verification through compliance, logical consistency, and data integrity ensures reasonable and compliant fee rates and risk matching, reducing errors and compliance risks. Simultaneously, differentiated fee rates can be implemented for high-quality merchants, micro-merchants, and public welfare organizations, achieving precise support and refined operation, balancing platform revenue, risk control security, and user experience.

[0022] In an optional embodiment of the present invention, in step 11, a rate configuration request for the target user is received; Specifically, the system receives rate configuration requests from clients, management platforms, or third-party systems through a service interface, and performs validity checks on the requests, including user identity validity, request parameter integrity, and operation permission verification. If the verification passes, the system proceeds to the subsequent data retrieval process; if the verification fails, a configuration failure message is returned directly.

[0023] In this embodiment, rate configuration requests are received through a unified service interface, and the requests undergo triple verification of identity validity, parameter integrity, and operation permissions. This intercepts illegal, invalid, and unauthorized requests at the source, ensuring the security and compliance of the rate configuration process. A unified entry point facilitates system integration and maintenance, improving request processing efficiency; pre-verification prevents invalid data from entering subsequent stages, reducing system resource waste and calculation errors, and lowering configuration risks. Simultaneously, it enhances process stability and reliability, laying a secure foundation for subsequent multi-source data retrieval, rate calculation, and verification stages, ensuring the entire dynamic rate configuration process is controllable and traceable.

[0024] In an optional embodiment of the present invention, step 12, retrieving multi-source data of the target user according to the rate configuration request of the target user, includes: Step 121: Based on the unique user identifier in the rate configuration request, retrieve the user level, user type, and user status information from the user information database. Specifically, based on the unique user identifier in the rate configuration request, initiate a query to the user information database to obtain the target user's user level, user type, and user status information. The user level is comprehensively assessed based on transaction volume, cooperation duration, and credit record; the user type is classified based on business model and industry attributes; and the user status is updated in real time by the risk control system. Step 122: Based on the user's unique identifier in the rate configuration request, retrieve the target user's historical transaction amount and monthly transaction count from the transaction database; specifically, access the transaction database based on the user's unique identifier and extract the target user's historical total transaction amount and average monthly transaction count in the recent period; the transaction data is stored in a distributed manner, supporting fast retrieval and statistics, and missing or abnormal data is marked. Step 123: Based on the user's unique identifier in the rate configuration request, retrieve the transaction channel and business scenario information from the business configuration library. Specifically, read the transaction channel and business scenario configuration information from the business configuration library based on the user's unique identifier. Transaction channels include online APP, mini-program, H5 (mobile webpage), offline QR code scanning and POS machine. Business scenarios are automatically marked by the system during the transaction process. Step 124 involves cleaning, completing, and standardizing the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information to obtain multi-source data for the target user. Specifically, the obtained user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information are cleaned to remove duplicate and erroneous data, missing fields are filled in by default, and the data format and units are standardized to form a standardized multi-source dataset.

[0025] In this embodiment, user-specific identifiers are used to retrieve comprehensive data on users, transactions, and business operations from multiple databases, ensuring comprehensive, real-time, and accurate data sources and providing reliable data support for dynamic rates. Distributed storage is employed to improve retrieval and statistical efficiency, and abnormal data is automatically marked to ensure data availability. Data cleaning, completion, and format standardization eliminate redundancy, errors, and format differences, forming a standardized dataset that effectively improves the accuracy of subsequent rate type determination and numerical calculation. Multi-dimensional data comprehensively covers key information such as user attributes, transaction behavior, and business scenarios, supporting refined and differentiated rate configurations, avoiding rate deviations caused by single data points, and improving the overall adaptability and reliability of the solution.

[0026] In an optional embodiment of the present invention, step 13, determining the rate type of the target user based on the user level, user type, business scenario, and user status information in the multi-source data, includes: Step 131: Based on the user status information, determine the rate type of the target user or proceed to the next level of judgment; specifically, based on... Determine the rate type for the target user or proceed to the next level of judgment; in, A For user status information, X Rate type for target users; It should be noted that when the target user's rate type is "reject rate configuration", the dynamic rate configuration task for the target user ends and is fed back to the rate configuration request interface of the target user. Step 132: Based on the business scenario, determine the rate type for the target user or proceed to the next level of judgment; specifically, based on... Determine the rate type for the target user or proceed to the next level of judgment; in, B For business scenarios, X Rate type for target users; It should be noted that other scenarios may include: medium-amount, medium-frequency transactions, top-ups, transfers, and installment payments. Step 133: Based on the user type, determine the rate type of the target user or proceed to the next level of judgment; specifically, based on... Determine the rate type for the target user or proceed to the next level of judgment; in, C For user type, X Rate type for target users; It should be noted that other types may include: small entities, etc. Step 134: Determine the rate type for the target user based on the user level, user type, and business scenario; specifically, based on... Determine the rate type for the target user or proceed to the next level of judgment; in, D For user level, C For user type, B For business scenarios, X Rate type for target users.

[0027] In this embodiment, a four-level progressive judgment logic is adopted: user status → business scenario → user type → user level. This allows for rapid and accurate matching of fixed, proportional, tiered, progressive, regressive, capped and guaranteed rates, and combined rates, achieving a high degree of adaptability between rate types and actual user situations. First, risk control status is used for preliminary judgment, enabling capped and guaranteed rates and rejection configurations for high-risk users to strengthen risk isolation. Then, tiered matching is performed according to scenario, type, and level, accommodating diverse business needs such as small-amount high-frequency transactions, large-amount low-frequency transactions, public welfare, and installment payments, and implementing differentiated rate designs for high-quality merchants, micro-enterprises, and public welfare organizations. The four-level judgment logic is clear and efficient, avoiding human selection bias and improving configuration consistency. Simultaneously, it covers all scenarios and all user tiers, making rate rules more aligned with business characteristics and risk control requirements, ensuring platform revenue while improving user adaptability and compliance, and providing a reliable basis for subsequent accurate rate calculations.

[0028] In an optional embodiment of the present invention, step 14, determining the dynamic rate value of the target user based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information in the multi-source data, as well as the rate type of the target user, includes: Step 141: If the rate type of the target user is a fixed rate, determine the dynamic rate value of the target user according to the user level and user type; specifically, the value of the fixed rate is only related to the user level (VIP3, VIP2, VIP1, ordinary) and user type (large entity, medium entity, small entity, online e-commerce, lightweight e-commerce, financial institution, non-profit organization). according to Determine the dynamic rate value for the target user; in, R fixed The dynamic rate value for the target user. D For user level, C For user type; specifically, , , , ; , , , ; , , , ; , , , ; , , , ; , , , ; , , , ; Based on target users D and C Matching the above mapping relationship yields the dynamic rate value; it should be noted that the above... R fixedSpecific values ​​and f ( D , C The mapping logic can be adjusted according to actual needs; Step 142: If the target user's rate type is a percentage rate, determine the dynamic rate value of the target user based on the user level, user type, and transaction channel; specifically, the percentage rate value is related to the user level. D User type C and transaction channels Chan Related, according to Determine the dynamic rate value for the target user; in, R fixed The dynamic rate value for the target user. D For user level, C For user type, Chan For transaction channels; specifically, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ; Based on the target user's user level D User type C and transaction channels Chan By matching the above mapping relationship, the dynamic rate value can be obtained; Step 143: If the target user's rate type is tiered rate, determine the target user's dynamic rate value based on the user type, historical transaction amount, and monthly transaction count; specifically, based on... ; Determine the dynamic rate value for the target user; in, R fixed The dynamic rate value for the target user. C For user type, M This refers to historical transaction amounts. N This refers to the number of transactions per month. Determine the calculation dimension based on user type, and substitute in historical transaction amounts.M or number of transactions per month N The dynamic rate values ​​are obtained; the tiered thresholds and corresponding rates can be adjusted according to business needs. Step 144: If the target user's rate type is progressive rate, determine the dynamic rate value of the target user based on the user type (financial institution) and the single transaction amount; specifically, progressive rate is only applicable to... C =Financial institutions, according to Determine the dynamic rate value for the target user; in, R fixed The dynamic rate value for the target user. E For the amount of a single transaction, , , , The threshold and rate for the progressive interval can be adjusted flexibly; Step 145: If the target user's rate type is a regressive rate, determine the dynamic rate value of the target user based on the user type (non-profit organization) and historical transaction amount; specifically, the regressive rate only applies to non-profit organizations, based on... Determine the dynamic rate value for the target user; in, R fixed The dynamic rate value for the target user. M This refers to historical transaction amounts. a It is a decreasing factor (which can be taken as 0.05% / 100,000). R base Set a preset base rate (which can be 0.5%). R min The lowest rate is available (0.2%). Step 146: If the target user's rate type is a capped and guaranteed rate, determine the dynamic rate value of the target user based on the user status (risk warning), user level, and user type. Specifically, the capped and guaranteed rate only applies to users with a risk warning status. The specific steps in step 141 are used to determine the target user's base rate based on the user level and user type. R calc ;according to Determine the dynamic rate value for the target user; in, R fixed The dynamic rate value for the target user.R calc The base rate for the target users, R floor Set a minimum guaranteed fee rate (0.3% is acceptable). R cap Set a preset capped rate (0.8% is acceptable).

[0029] It should be noted that the specific values ​​of the dynamic rate mentioned above are only one example and can be adjusted according to actual needs.

[0030] In this embodiment, multi-dimensional and precise calculation models are established for six fee rate types: fixed, proportional, tiered, progressive, regressive, and capped / guaranteed. These models automatically calculate dynamic fee rates based on parameters such as user level, type, transaction data, channel, and scenario, achieving a high degree of matching between fees and user qualifications, transaction behavior, and business characteristics. Fixed fees are priced differently based on level and type, balancing fairness and operational orientation; proportional fees are finely differentiated based on transaction channels to adapt to different channel costs; tiered fees and progressive / regressive fees respectively align with the business patterns of e-commerce, physical stores, financial institutions, and non-profit organizations, ensuring that the more transactions, the more reasonable the fee; capped / guaranteed fees implement upper and lower limit control for high-risk users, balancing risk control and returns. The entire process uses formulaic and mapping calculations, with transparent and flexible rules, avoiding errors from human intervention and improving the consistency and accuracy of fee rate calculations. By using differentiated, refined, and automated pricing, we can incentivize high-quality merchants, support micro, small and medium-sized enterprises and public welfare entities, effectively control risks, optimize platform revenue, and make dynamic rates truly adaptable to all scenarios and all types of users, greatly improving the practicality and commercial value of the solution.

[0031] In an optional embodiment of the present invention, step 15 involves multi-dimensional verification of the dynamic rate value of the target user, including: Step 151: Perform compliance verification on the dynamic rate value of the target user; specifically, verify whether the dynamic rate value is within the preset legal range to avoid rates that are too high or too low; if the compliance verification fails, the system will encounter an error, the dynamic rate configuration task for the target user will end, and feedback will be sent to the rate configuration request interface of the target user. Step 152: If the compliance verification passes, perform a logical consistency verification on the dynamic rate value of the target user; specifically, verify the specific processes of steps 13 and 14 to check whether there is a logical contradiction between the rate type, rate calculation process, and rate value; if the logical consistency verification fails, the system will encounter an error, the dynamic rate configuration task of the target user will end, and feedback will be sent to the rate configuration request interface of the target user. Step 153: If the logical consistency verification passes, perform data integrity verification on the dynamic rate value of the target user; specifically, verify that the multi-source data used for calculation is complete, valid, and without missing or abnormal data; if the data integrity verification fails, the system will encounter an error, the dynamic rate configuration task for the target user will end, and feedback will be sent to the rate configuration request interface of the target user.

[0032] In this embodiment, a three-tiered progressive verification process—compliance, logical consistency, and data integrity—comprehensively verifies dynamic rate values ​​from three dimensions: rate legality, calculation rationality, and data validity. Compliance verification ensures that rates remain within regulatory and business-permissible ranges, avoiding compliance and revenue risks caused by excessively high or low rates. Logical consistency verification confirms that rate types, calculation processes, and results are consistent, eliminating rule errors. Data integrity verification ensures the accuracy and validity of the calculation basis, preventing deviations caused by abnormal data. This three-tiered verification system promptly intercepts erroneous configurations and automatically provides feedback, improving the accuracy and compliance of rate configuration, reducing system failures and business risks, and ensuring the entire dynamic rate configuration process is secure, reliable, and traceable.

[0033] In an optional embodiment of the present invention, in step 16, when the multi-dimensional verification passes, the dynamic rate value is updated to the configuration management layer to complete the dynamic rate configuration for the target user, including: Step 161 involves synchronously writing the verified dynamic rate value, rate type, and user identifier into the configuration management layer database. Specifically, the dynamic rate value, rate type, and user identifier verified through multiple dimensions are format-checked and encrypted. The data is written according to the interface specifications of the configuration management layer database to ensure that the dynamic rate value, rate type, and user identifier correspond one-to-one, guaranteeing data integrity, consistency, and traceability, and providing stable data support for subsequent rate calls and activation. Step 162: Generate configuration records and update user rate profiles. Specifically, based on the dynamic rate values, rate types and user identification information written to the configuration management layer database, generate dynamic rate configuration records with unique numbers, archive information such as configuration time, configuration content, and verification results, and update the rate profiles corresponding to the target users to form a complete and verifiable history of dynamic rate configurations, which is convenient for subsequent querying, auditing and traceability management. Step 163: Return a configuration success result to the target user to complete the dynamic rate configuration for the target user. Specifically, after completing the writing of dynamic rate data and the generation of configuration records, return the result information of successful dynamic rate configuration to the target user through the system interface. At the same time, the effective time of the rate, the scope of application, and related instructions are also fed back so that the target user can know the configuration completion status in a timely manner and complete the dynamic rate configuration process for the target user.

[0034] In this embodiment, rate configuration is completed through a closed loop of standardized writing, file archiving, and result feedback. First, the verified rate data is encrypted and stored in the database, and its format is validated to ensure data integrity, consistency, and traceability, providing reliable support for real-time rate activation. A unique configuration record is automatically generated and user rate profiles are updated, forming a fully auditable and traceable historical ledger that meets regulatory and management requirements. Configuration results and activation information are returned to users in real time via an interface, improving process transparency and user experience. The entire process is automated, requiring no manual intervention, improving configuration efficiency and system stability, ensuring the secure, accurate, and timely implementation of dynamic rates, and achieving process standardization, management visualization, and operational efficiency.

[0035] Example 1 This embodiment provides a specific implementation method for dynamic rate configuration for target users, which is used to illustrate the technical solution of the present invention in detail. The specific steps are as follows: Step 21: Receive rate configuration request: The system service interface receives rate configuration requests for target users, verifies the user's identity, the completeness of request parameters, and operation permissions, and proceeds to the next processing step after the verification is passed. Step 22: Retrieve and process multi-source data: Based on the user's unique identifier in the request, data is retrieved from the user information database, transaction database, and business configuration database, and then standardized. Retrieved from the user information database: User level is Level 1, User type is Light Online Merchant, User status is Normal; According to the transaction database: the historical transaction amount is 800,000 yuan and the monthly transaction count is 1,200. Obtained from the business configuration library: The transaction channel is a mobile application mini-program, and the business scenario is a small-amount, high-frequency transaction scenario; The above-mentioned user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario and user status information are cleaned, missing data is filled and formatted to obtain standardized multi-source data; Step 23: Determine the rate type: Determining fee type by tier based on multi-source data: The user's status is normal; proceed to the next level of judgment. The business scenario is a small-amount, high-frequency transaction scenario, so the fee type is directly determined to be a proportional fee rate, and subsequent level determinations are terminated. Step 24: Determine the dynamic rate value: The current fee type is a percentage fee, and the dynamic fee rate value is calculated based on user level, user type, and transaction channel: User level: Level 1; User type: Light online merchants; Transaction channel: The mobile application mini-program determines the user's dynamic fee rate to be 0.32% based on a preset mapping relationship; Step 25, Multi-dimensional verification: The above dynamic rate values ​​were verified at three levels: Compliance verification: The rate value is within the preset legal range, and the verification is passed; Logical consistency verification: There is no logical conflict between the rate type, calculation basis, and rate value; verification passed. Data integrity verification: The multi-source data used in the calculation is complete and valid, with no missing or abnormal data, and the verification is successful; Step 26: Complete rate configuration: After all multi-dimensional verifications pass, execute the configuration activation operation: The user's unique identifier, percentage rate type, and 0.32% dynamic rate value are synchronously written into the configuration management layer database. Generate a unique configuration record, synchronously record configuration time, verification results and other information, and update user rate profiles; Return a successful configuration result to the requesting end to complete the dynamic rate configuration process for the target user.

[0036] This invention forms a complete closed loop: request access—data collection—type determination—numerical calculation—multi-dimensional verification—configuration activation, with fully automated and standardized execution. Relying on multi-source data and a six-level fee model, it achieves precise fee adaptation and differentiated pricing, covering all users and all scenarios. Pre-verification and three-level verification provide dual guarantees for compliance, accuracy, and security. Data is encrypted and stored in the database, records are traceable, and results are fed back in real time, balancing security, efficiency, and regulatory requirements. The overall solution effectively solves problems such as rigid fee rates, outdated configurations, and insufficient risk control in traditional systems, significantly improving platform operational efficiency, revenue levels, and risk control capabilities, achieving a balance between commercial value and user experience.

[0037] like Figure 2 As shown, embodiments of the present invention also provide a dynamic rate configuration system 20 for target users, comprising: The transceiver module 21 is used to receive rate configuration requests for target users; Processing module 22 is configured to retrieve multi-source data of the target user based on the target user's rate configuration request. The multi-source data includes: user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information. Based on the user level, user type, business scenario, and user status information in the multi-source data, the module determines the target user's rate type, which includes: fixed rate, percentage rate, tiered rate, progressive rate, regressive rate, and capped / guaranteed rate. Based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, user status information, and the target user's rate type in the multi-source data, the module determines the target user's dynamic rate value. The module performs multi-dimensional verification on the target user's dynamic rate value. When the multi-dimensional verification passes, the module updates the dynamic rate value to the configuration management layer, completing the dynamic rate configuration for the target user.

[0038] Optionally, based on the rate configuration request of the target user, retrieve multi-source data of the target user, including: Based on the user's unique identifier in the rate configuration request, retrieve the user's level, user type, and user status information from the user information database; Based on the user's unique identifier in the rate configuration request, retrieve the target user's historical transaction amount and monthly transaction count from the transaction database; Based on the user's unique identifier in the rate configuration request, retrieve transaction channel and business scenario information from the business configuration library; The user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information are cleaned, completed, and formatted to obtain multi-source data of the target user.

[0039] Optionally, based on user level, user type, business scenario, and user status information in the multi-source data, the rate type of the target user is determined, including: Based on the user status information, determine the rate type of the target user or proceed to the next level of judgment; Based on the business scenario, determine the rate type for the target user or proceed to the next level of judgment; Based on the user type, determine the rate type for the target user or proceed to the next level of judgment; The rate type for the target user is determined based on the user level, user type, and business scenario.

[0040] Optionally, based on user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information from the multi-source data, as well as the target user's rate type, the dynamic rate value of the target user is determined, including: If the rate type of the target user is a fixed rate, the dynamic rate value of the target user is determined according to the user level and user type; If the rate type of the target user is a percentage rate, the dynamic rate value of the target user is determined according to the user level, user type and transaction channel; If the target user's rate type is tiered rate, the dynamic rate value of the target user is determined based on the user type, historical transaction amount, and monthly transaction count; If the target user's rate type is progressive rate, the dynamic rate value of the target user is determined based on the user type and the amount of a single transaction; If the rate type of the target user is a regressive rate, the dynamic rate value of the target user is determined based on the user type and historical transaction amount; If the rate type of the target user is a capped and guaranteed rate, the dynamic rate value of the target user is determined according to the user status, user level, and user type.

[0041] Optionally, based on the user status information, determine the rate type of the target user or proceed to the next level of judgment, including: according to Determine the rate type for the target user or proceed to the next level of judgment; in, A For user status information, X Rate type for target users.

[0042] Optionally, the dynamic rate value of the target user is verified in multiple dimensions, including: The dynamic rate values ​​for the target users are verified for compliance. If the compliance verification passes, a logical consistency verification is performed on the dynamic rate value of the target user. If the logical consistency verification passes, the data integrity of the dynamic rate value of the target user is verified.

[0043] Optionally, when the multi-dimensional verification passes, the dynamic rate value is updated to the configuration management layer to complete the dynamic rate configuration for the target user, including: The verified dynamic rate value, rate type, and user identifier will be synchronously written to the configuration management layer database. Generate configuration records and update user rate profiles; Return a successful configuration result to the target user, completing the dynamic rate configuration for the target user.

[0044] It should be noted that this device is a device corresponding to the above method. All implementation methods in the above method embodiments are applicable to this embodiment and can achieve the same technical effect.

[0045] Embodiments of the present invention also provide a computing device, including: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the method described above. All implementations in the above method embodiments are applicable to this embodiment and can achieve the same technical effect.

[0046] Embodiments of the present invention also provide a computing device readable storage medium storing instructions that, when executed on a computing device, cause the computing device to perform the method described above. All implementations in the above method embodiments are applicable to this embodiment and can achieve the same technical effect.

[0047] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed in this invention can be implemented in electronic hardware, or a combination of computing device software and electronic hardware. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of this invention.

[0048] Those skilled in the art will understand that, for the sake of convenience and brevity, the specific working processes of the systems, devices, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here.

[0049] In the embodiments provided by this invention, it should be understood that the disclosed apparatus and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative. For instance, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between devices or units may be electrical, mechanical, or other forms.

[0050] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0051] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0052] If the aforementioned functions are implemented as software functional units and sold or used as independent products, they can be stored in a computing device-readable storage medium. Based on this understanding, the technical solution of this invention, essentially, or the part that contributes to the prior art, or a portion of the technical solution, can be embodied in the form of a software product. This computing device software product is stored in a storage medium and includes several instructions to cause a computing device (which may be a personal computing device, a server, or a network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, ROM, RAM, magnetic disks, or optical disks.

[0053] Furthermore, it should be noted that in the apparatus and method of the present invention, it is obvious that the components or steps can be decomposed and / or recombined. These decompositions and / or recombinations should be considered equivalent solutions of the present invention. Moreover, the steps performing the above-described series of processes can naturally be executed in the order described, but are not necessarily required to be executed in chronological order; some steps can be executed in parallel or independently of each other. Those skilled in the art will understand that all or any step or component of the method and apparatus of the present invention can be implemented in any computing device (including processors, storage media, etc.) or network of computing devices, in hardware, firmware, software, or a combination thereof. This is something that those skilled in the art can achieve using basic programming skills after reading the description of the present invention.

[0054] Therefore, the object of the present invention can also be achieved by running a program or a set of programs on any computing device. The computing device can be a known general-purpose device. Therefore, the object of the present invention can also be achieved simply by providing a program product containing program code implementing the method or apparatus. That is, such a program product also constitutes the present invention, and the storage medium storing such a program product also constitutes the present invention. Obviously, the storage medium can be any known storage medium or any storage medium developed in the future. It should also be noted that in the apparatus and method of the present invention, it is obvious that the components or steps can be decomposed and / or recombined. These decompositions and / or recombinations should be considered equivalent to the present invention. Furthermore, the steps performing the above series of processes can naturally be performed in the order described, but are not necessarily required to be performed in chronological order. Some steps can be performed in parallel or independently of each other.

[0055] The above description represents the preferred embodiments of the present invention. It should be noted that those skilled in the art can make various improvements and modifications without departing from the principles of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A method for configuring dynamic rates for target users, characterized in that, include: Receive rate configuration requests for the target user; Based on the rate configuration request of the target user, retrieve the target user's multi-source data, which includes: user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario and user status information; Based on the user level, user type, business scenario and user status information in the multi-source data, the rate type of the target user is determined. The rate type includes: fixed rate, percentage rate, tiered rate, progressive rate, regressive rate and capped and guaranteed rate. Based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario and user status information in the multi-source data, as well as the rate type of the target user, the dynamic rate value of the target user is determined; The dynamic rate values ​​of the target users are verified from multiple dimensions; When the multi-dimensional verification is passed, the dynamic rate value is updated to the configuration management layer to complete the dynamic rate configuration for the target user.

2. The method for configuring dynamic rates for target users according to claim 1, characterized in that, Based on the rate configuration request of the target user, retrieve the multi-source data of the target user, including: Based on the user's unique identifier in the rate configuration request, retrieve the user's level, user type, and user status information from the user information database; Based on the user's unique identifier in the rate configuration request, retrieve the target user's historical transaction amount and monthly transaction count from the transaction database; Based on the user's unique identifier in the rate configuration request, retrieve transaction channel and business scenario information from the business configuration library; The user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information are cleaned, completed, and formatted to obtain multi-source data of the target user.

3. The method for configuring dynamic rates for target users according to claim 1, characterized in that, Based on the user level, user type, business scenario, and user status information in the multi-source data, the rate type for the target user is determined, including: Based on the user status information, determine the rate type of the target user or proceed to the next level of judgment; Based on the business scenario, determine the rate type for the target user or proceed to the next level of judgment; Based on the user type, determine the rate type for the target user or proceed to the next level of judgment; The rate type for the target user is determined based on the user level, user type, and business scenario.

4. The method for configuring dynamic rates for target users according to claim 1, characterized in that, Based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information in the multi-source data, as well as the target user's fee type, the dynamic fee rate value for the target user is determined, including: If the rate type of the target user is a fixed rate, the dynamic rate value of the target user is determined according to the user level and user type; If the rate type of the target user is a percentage rate, the dynamic rate value of the target user is determined according to the user level, user type and transaction channel; If the target user's rate type is tiered rate, the dynamic rate value of the target user is determined based on the user type, historical transaction amount, and monthly transaction count; If the target user's rate type is progressive rate, the dynamic rate value of the target user is determined based on the user type and the amount of a single transaction; If the rate type of the target user is a regressive rate, the dynamic rate value of the target user is determined based on the user type and historical transaction amount; If the rate type of the target user is a capped and guaranteed rate, the dynamic rate value of the target user is determined according to the user status, user level, and user type.

5. The method for configuring dynamic rates for target users according to claim 4, characterized in that, Based on the user status information, determine the rate type of the target user or proceed to the next level of judgment, including: according to Determine the rate type for the target user or proceed to the next level of judgment; in, A For user status information, X Rate type for target users.

6. The method for configuring dynamic rates for target users according to claim 1, characterized in that, The dynamic rate values ​​for the target user are verified from multiple dimensions, including: The dynamic rate values ​​for the target users are verified for compliance. If the compliance verification passes, a logical consistency verification is performed on the dynamic rate value of the target user. If the logical consistency verification passes, the data integrity of the dynamic rate value of the target user is verified.

7. The method for configuring dynamic rates for target users according to claim 1, characterized in that, When the multi-dimensional verification passes, the dynamic rate value is updated to the configuration management layer to complete the dynamic rate configuration for the target user, including: The verified dynamic rate value, rate type, and user identifier will be synchronously written to the configuration management layer database. Generate configuration records and update user rate profiles; Return a successful configuration result to the target user, completing the dynamic rate configuration for the target user.

8. A system for configuring dynamic rates for target users, characterized in that, include: The transceiver module is used to receive rate configuration requests for target users; The processing module is used to retrieve multi-source data of the target user based on the target user's rate configuration request. The multi-source data includes: user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information. Based on the user level, user type, business scenario, and user status information in the multi-source data, the module determines the target user's rate type, which includes: fixed rate, percentage rate, tiered rate, progressive rate, regressive rate, and capped / guaranteed rate. Based on the user level, user type, historical transaction amount, monthly transaction count, transaction channel, business scenario, and user status information in the multi-source data, as well as the target user's rate type, the module determines the target user's dynamic rate value. The module performs multi-dimensional verification on the target user's dynamic rate value. When the multi-dimensional verification passes, the dynamic rate value is updated to the configuration management layer, completing the dynamic rate configuration for the target user.

9. A computing device, characterized in that, include: One or more processors; A storage device for storing one or more programs, which, when executed by one or more processors, cause the one or more processors to implement the method as described in any one of claims 1 to 7.

10. A computing device readable storage medium, characterized in that, The computing device readable storage medium stores a program that, when executed by a processor, implements the method as described in any one of claims 1 to 7.

Images