CN109583973B - Calculation method and device of cost preference - Google Patents
Calculation method and device of cost preference Download PDFInfo
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- CN109583973B CN109583973B CN201811562331.9A CN201811562331A CN109583973B CN 109583973 B CN109583973 B CN 109583973B CN 201811562331 A CN201811562331 A CN 201811562331A CN 109583973 B CN109583973 B CN 109583973B
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The application provides a calculation method of a cost privilege, which comprises the following steps: when a transaction occurs, acquiring transaction information, wherein the transaction information comprises an original transaction fee; determining a coupon policy corresponding to the transaction information; and performing discount calculation on the original transaction cost according to a discount strategy corresponding to the transaction information to obtain the transaction cost after discount. The invention realizes the automatic cost preferential calculation according to the transaction information by setting different preferential strategies, thereby improving the efficiency and the accuracy of the cost calculation.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a calculation method and device for cost privilege.
Background
In a financial transaction system, when a transaction occurs, a fee advantage is often involved, and an advantage for a certain fee may involve multiple dimensions, and the dimensions have influence and constraint relations.
In a traditional cost preferential calculation method, preferential dimensions are generally selected manually, business personnel need to select preferential dimensions related to current transaction from a plurality of preferential dimensions, one or more preferential dimensions are selected manually for cost preferential calculation, and the business personnel need to spend a lot of time and have high requirements on the business personnel. And because the condition of random discount, more discount or less discount often appears in the full manual processing.
Disclosure of Invention
In view of this, the present invention provides a method and an apparatus for calculating a cost offer, which implement automatic cost offer calculation according to transaction information by setting different offer policies, and improve efficiency and accuracy of cost calculation.
In order to achieve the above purpose, the invention provides the following specific technical scheme:
a method of calculating a cost offer, comprising:
when a transaction occurs, acquiring transaction information, wherein the transaction information comprises an original transaction fee;
determining a coupon policy corresponding to the transaction information;
and performing discount calculation on the original transaction cost according to a discount strategy corresponding to the transaction information to obtain the transaction cost after discount.
Optionally, the determining the offer policy corresponding to the transaction information includes:
acquiring the transaction type in the transaction information;
and determining a preferential strategy corresponding to the transaction type according to a preset mapping relation table of the preferential strategy and the transaction type.
Optionally, when the offer policy corresponding to the transaction information is an account-level priority offer policy, performing offer calculation on the original transaction fee according to the offer policy corresponding to the transaction information to obtain an offered transaction fee, where the calculation includes:
identifying account information, a scene code and a channel code in the transaction information;
performing discount calculation on an account layer according to the account information and the original transaction cost to obtain transaction cost after the discount calculation of the account layer, and transmitting the scene code and the transaction cost after the discount calculation of the account layer into a scene layer;
performing discount calculation on a scene layer according to the scene code and the transaction cost calculated by the account layer discount on the scene layer to obtain the transaction cost calculated by the scene layer discount, and transmitting the channel code and the transaction cost calculated by the scene layer discount into a channel layer;
and performing discount calculation on the channel layer according to the channel code and the transaction fee after the scene layer discount calculation to obtain the transaction fee after the channel layer discount calculation and use the transaction fee as the final discount transaction fee.
Optionally, when the offer policy corresponding to the transaction information is a better offer policy, performing offer calculation on the original transaction fee according to the offer policy corresponding to the transaction information to obtain an offered transaction fee, where the offer calculation includes:
identifying account information, customer-dependent pricing information, a scene code and a channel code in the transaction information;
performing discount calculation on an account layer according to the account information and the original transaction cost to obtain transaction cost after the discount calculation on the account layer;
determining a customer group corresponding to the transaction information according to the customer pricing information, and performing discount calculation on the original transaction cost according to a discount calculation method corresponding to the customer group to obtain transaction cost after calculation of customer pricing discount;
taking the lowest cost of the transaction cost after account layer discount calculation and the transaction cost after guest pricing discount calculation as the optimal transaction cost, and transmitting the optimal transaction cost and the scene code into a scene layer;
performing preferential calculation of a scene layer on the scene layer according to the scene code and the optimal transaction cost to obtain transaction cost after the preferential calculation of the scene layer, and transmitting the channel code and the transaction cost after the preferential calculation of the scene layer into the channel layer;
and performing discount calculation on the channel layer according to the channel code and the transaction cost calculated by the scene layer discount on the channel layer to obtain the transaction cost calculated by the channel layer discount and serve as the final discount transaction cost.
Optionally, when the offer policy corresponding to the transaction information is a standard account customer offer policy, performing offer calculation on the original transaction cost according to the offer policy corresponding to the transaction information to obtain an offer transaction cost, where the offer transaction cost includes:
identifying account information, customer information, a scene code and a channel code in the transaction information;
carrying out corresponding cost preferential calculation according to the preferential mode selected by the customer in the account preferential mode and the customer preferential mode and the original transaction cost to obtain the transaction cost after the account customer preferential calculation, and transmitting the scene code and the transaction cost after the account customer preferential calculation into a scene layer;
performing discount calculation on a scene layer according to the scene code and the transaction cost after the account customer discount calculation on the scene layer to obtain the transaction cost after the scene layer discount calculation, and transmitting the channel code and the transaction cost after the scene layer discount calculation into a channel layer;
and performing discount calculation on the channel layer according to the channel code and the transaction fee after the scene layer discount calculation to obtain the transaction fee after the channel layer discount calculation and use the transaction fee as the final discount transaction fee.
A computing device of a cost offer, comprising:
the transaction information acquisition unit is used for acquiring transaction information when one transaction occurs, wherein the transaction information comprises an original transaction fee;
the discount strategy determining unit is used for determining a discount strategy corresponding to the transaction information;
and the expense discount calculation unit is used for performing discount calculation on the original transaction expense according to the discount strategy corresponding to the transaction information to obtain the transaction expense after discount.
Optionally, the offer policy determining unit is specifically configured to obtain a transaction type in the transaction information; and determining a preferential strategy corresponding to the transaction type according to a preset mapping relation table of the preferential strategy and the transaction type.
Optionally, when the offer policy corresponding to the transaction information is an account-level priority offer policy, the fee offer calculation unit includes:
the first information identification subunit is used for identifying account information, a scene code and a channel code in the transaction information;
the account layer calculation subunit is used for performing discount calculation on an account layer according to the account information and the original transaction cost to obtain transaction cost after the account layer discount calculation, and transmitting the scene code and the transaction cost after the account layer discount calculation into a scene layer;
the scene layer calculation subunit is used for performing scene layer discount calculation on the scene layer according to the scene code and the transaction cost calculated by the account layer discount to obtain the scene layer discount calculated transaction cost, and transmitting the channel code and the scene layer discount calculated transaction cost to the channel layer;
and the channel layer calculation subunit is used for performing preferential calculation on the channel layer according to the channel code and the transaction cost subjected to preferential calculation on the scene layer, so as to obtain the transaction cost subjected to preferential calculation on the channel layer and serve as the final preferential transaction cost.
Optionally, when the offer policy corresponding to the transaction information is a preferred policy, the fee offer calculating unit includes:
the second information identification subunit is used for identifying account information, customer pricing information, scene codes and channel codes in the transaction information;
the account layer calculation subunit is used for performing discount calculation on the account layer according to the account information and the original transaction cost to obtain the transaction cost after the account layer discount calculation;
the account-for-customer pricing calculation subunit is used for determining a customer group corresponding to the transaction information according to the account-for-customer pricing information, and performing discount calculation on the original transaction cost according to a discount calculation method corresponding to the customer group to obtain the transaction cost after calculation of the account-for-customer pricing discount;
the optimal cost selection subunit is used for taking the lowest cost in the transaction cost after the account layer discount calculation and the transaction cost after the customer pricing discount calculation as the optimal transaction cost and transmitting the optimal transaction cost and the scene code into the scene layer;
the scene layer calculation subunit is used for performing the preferential calculation of the scene layer on the scene layer according to the scene code and the optimal transaction fee to obtain the transaction fee after the preferential calculation of the scene layer, and transmitting the channel code and the transaction fee after the preferential calculation of the scene layer into the channel layer;
and the channel layer calculation subunit is used for performing preferential calculation on the channel layer according to the channel code and the transaction cost subjected to preferential calculation on the scene layer, so as to obtain the transaction cost subjected to preferential calculation on the channel layer and serve as the final preferential transaction cost.
Optionally, when the offer policy corresponding to the transaction information is a standard account customer offer policy, the fee offer calculation unit includes:
the third information identification subunit is used for identifying account information, customer information, a scene code and a channel code in the transaction information;
the account client layer calculation subunit is used for carrying out corresponding cost discount calculation according to the discount mode selected by the customer from the account discount mode and the customer discount mode and the original transaction cost to obtain the transaction cost after account customer discount calculation, and transmitting the scene code and the transaction cost after account customer discount calculation into the scene layer;
the scene layer calculation subunit is used for performing scene layer discount calculation on the scene layer according to the scene code and the transaction cost calculated by the account customer discount to obtain the scene layer discount calculated transaction cost, and transmitting the channel code and the scene layer discount calculated transaction cost to the channel layer;
and the channel layer calculation subunit is used for performing preferential calculation on the channel layer according to the channel code and the transaction cost subjected to preferential calculation on the scene layer, so as to obtain the transaction cost subjected to preferential calculation on the channel layer and serve as the final preferential transaction cost.
Compared with the prior art, the invention has the following beneficial effects:
the invention discloses a calculation method and a device of expense preferential, which customize a plurality of preferential strategies in advance, can automatically identify transaction information when a transaction occurs, determine a corresponding preferential strategy according to the transaction information, and automatically execute the preferential strategy to carry out preferential calculation on original transaction expense in the transaction information to obtain the transaction expense after preferential. The problem that traditional full-manual processing has high requirements on service personnel and needs the service personnel to spend a large amount of time is solved, the problems of disordered discount, multiple discount or less discount in full-manual processing are avoided, and the efficiency and accuracy of cost preferential calculation are improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic flow chart of a method for calculating a cost offer according to an embodiment of the present invention;
fig. 2 is a schematic flow chart of a method for calculating a cost offer under an account layer offer priority policy according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of a method for calculating a cost offer under a championship policy disclosed in the embodiment of the present invention;
FIG. 4 is a schematic flow chart of a cost discount calculation method under a standard account customer discount policy according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computing device for providing a cost advantage according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
The method for calculating a cost benefit disclosed in this embodiment is applied to a financial system, such as a financial system, for calculating a transaction cost benefit, and specifically, referring to fig. 1, the method for calculating a cost benefit disclosed in this embodiment mainly includes the following steps:
s101: when a transaction occurs, acquiring transaction information, wherein the transaction information comprises an original transaction fee;
wherein the transaction information includes: original transaction fee, account information, customer information, transaction code, scene code, channel code, customer-specific pricing information, and the like.
The original transaction fee is a transaction fee which is not preferential in the transaction, such as a commission fee in a cross-border remittance service.
Since the customer pricing information is information of each preset dimension of the customer, the customer is classified more accurately from multiple dimensions, such as 20 dimensions.
S102: determining a coupon policy corresponding to the transaction information;
the system can preset various preferential strategies, such as account layer preferential strategy, superior strategy, standard account customer preferential strategy and the like. The corresponding offer policy may be selected according to information such as different transaction types, for example, determining the offer policy corresponding to the transaction information includes:
acquiring the transaction type in the transaction information;
and determining a discount strategy corresponding to the transaction type according to a preset mapping relation table of the discount strategy and the transaction type.
S103: and performing discount calculation on the original transaction cost according to a discount strategy corresponding to the transaction information to obtain the transaction cost after discount.
In the following, a method for performing preferential calculation on the original transaction cost according to a preferential policy corresponding to the transaction information is illustrated by using a preferential preference policy, a preferred-to-know policy, and a standard account customer preference policy of an account layer.
Referring to fig. 2, when the offer policy corresponding to the transaction information is an account-level priority offer policy, the method for calculating the cost offer specifically includes the following steps:
s201: identifying account information, a scene code and a channel code in the transaction information;
where the account information represents accounts for transactions, there may be at least one account for each customer.
The scene code represents the scene type of the transaction, such as group remittance, cross-border remittance, intra-regional remittance and the like.
The channel code represents the channel of the transaction, such as counter, mobile banking, internet banking, front-end processor, etc.
S202: performing discount calculation on an account layer according to the account information and the original transaction fee on the account layer to obtain transaction fee after the discount calculation of the account layer, and transmitting the scene code and the transaction fee after the discount calculation of the account layer into a scene layer;
firstly, at an account layer, different account types correspond to different preferential degrees, account information in transaction information needs to be identified so as to judge which account type the account information belongs to, and therefore preferential degrees corresponding to the account information are obtained.
Wherein, the account layer supports fixed benefits and percentages, namely the amount of the fixed benefits and the benefit percentages.
And performing discount calculation on the account layer according to the discount strength corresponding to the account information, specifically, subtracting the fixed discount amount on the basis of the original transaction cost to obtain the transaction cost after the account layer discount calculation, or performing discount on the basis of the original transaction cost to obtain the transaction cost after the account layer discount calculation.
S203: performing discount calculation on a scene layer according to the scene code and the transaction cost calculated by the account layer discount on the scene layer to obtain the transaction cost calculated by the scene layer discount, and transmitting the channel code and the transaction cost calculated by the scene layer discount into a channel layer;
and inquiring scene layer information according to the transmitted scene code on the scene layer, if the scene layer information is inquired, calculating the cost discount of the scene layer to obtain the transaction cost after the scene layer discount calculation, and if the scene layer information is not inquired, taking the transaction cost after the account layer discount calculation as the transaction cost after the scene layer discount calculation.
The scenario layer also supports fixed offers and percentages.
S204: and performing discount calculation on the channel layer according to the channel code and the transaction fee after the scene layer discount calculation to obtain the transaction fee after the channel layer discount calculation and use the transaction fee as the final discount transaction fee.
And inquiring channel layer information according to the transmitted channel code in the channel layer, if the inquiry is received, calculating the expense preferential of the channel layer to obtain the transaction expense after the preferential calculation of the channel layer, and if the inquiry is not received, taking the transaction expense after the preferential calculation of the scene layer as the transaction expense after the preferential calculation of the channel layer.
The channel layer supports a percentage advantage.
Referring to fig. 3, when the offer policy corresponding to the transaction information is a preferred offer policy, the method for calculating the cost offer includes the following steps:
s301: identifying account information, customer-because pricing information, scene codes and channel codes in the transaction information;
because the customer pricing information is information of each preset dimension of the user, the customers are classified more accurately from multiple dimensions, for example, the customers are classified from 20 dimensions. The dimensions included by the guest pricing information may include: gender, age, marital status, academic history, income, occupation, etc.
S302: performing discount calculation on an account layer according to the account information and the original transaction cost to obtain transaction cost after the discount calculation of the account layer;
s303: determining a customer group corresponding to the transaction information according to the customer pricing information, and performing discount calculation on the original transaction cost according to a discount calculation method corresponding to the customer group to obtain transaction cost after calculation of customer pricing discount;
s304: taking the lowest cost of the transaction cost after account layer discount calculation and the transaction cost after guest pricing discount calculation as the optimal transaction cost, and transmitting the optimal transaction cost and the scene code into a scene layer;
s305: performing preferential calculation of a scene layer on the scene layer according to the scene code and the optimal transaction cost to obtain transaction cost after the preferential calculation of the scene layer, and transmitting the channel code and the transaction cost after the preferential calculation of the scene layer into the channel layer;
s306: and performing discount calculation on the channel layer according to the channel code and the transaction cost calculated by the scene layer discount on the channel layer to obtain the transaction cost calculated by the channel layer discount and serve as the final discount transaction cost.
Referring to fig. 4, when the offer policy corresponding to the transaction information is a standard account customer offer policy, the method for calculating the cost offer specifically includes the following steps:
s401: identifying account information, customer information, a scene code and a channel code in the transaction information;
s402: carrying out corresponding cost preferential calculation according to the preferential mode selected by the customer in the account preferential mode and the customer preferential mode and the original transaction cost to obtain the transaction cost after the account customer preferential calculation, and transmitting the scene code and the transaction cost after the account customer preferential calculation into a scene layer;
the customer can select the account discount mode or the customer discount mode, the traditional discount table discount inquiry mode is cancelled when the account customer gives a discount, and in the traditional discount table discount inquiry mode, when business personnel need to select the discount strength, the discount table needs to be compared, so that the efficiency is low. According to the account customer preferential treatment disclosed by the embodiment, the customer can directly select an account preferential treatment mode or a customer preferential treatment mode, the system automatically identifies the preferential treatment level corresponding to the account information and the preferential treatment level corresponding to the customer information, both the account preferential treatment mode and the customer preferential treatment mode support fixed preferential treatment and percentage preferential treatment, and after the customer selects the account preferential treatment mode or the customer preferential treatment mode, the fixed preferential treatment amount or percentage preferential treatment amount can be directly displayed in the system, so that the specific amount and preferential treatment proportion of the preferential treatment can be more visually displayed.
S403: performing discount calculation on a scene layer according to the scene code and the transaction cost calculated by the account customer discount on the scene layer to obtain the transaction cost calculated by the scene layer discount, and transmitting the channel code and the transaction cost calculated by the scene layer discount into the channel layer;
s404: and performing discount calculation on the channel layer according to the channel code and the transaction cost calculated by the scene layer discount on the channel layer to obtain the transaction cost calculated by the channel layer discount and serve as the final discount transaction cost.
The method for calculating the expense discount disclosed by the embodiment customizes various discount strategies in advance, can automatically identify transaction information when a transaction occurs, determines the corresponding discount strategy according to the transaction information, and automatically executes the discount strategy to carry out discount calculation on the original transaction expense in the transaction information to obtain the transaction expense after the discount. The problem that traditional full-manual processing has high requirements on service personnel and needs the service personnel to spend a large amount of time is solved, the problems of disordered discount, multiple discount or less discount in full-manual processing are avoided, and the efficiency and accuracy of cost preferential calculation are improved.
Based on the method for calculating the cost benefit disclosed in the above embodiment, the present embodiment correspondingly discloses a device for calculating the cost benefit, please refer to fig. 5, where the device for calculating the cost benefit includes:
a transaction information obtaining unit 501, configured to obtain transaction information when a transaction occurs, where the transaction information includes an original transaction fee;
a coupon policy determination unit 502, configured to determine a coupon policy corresponding to the transaction information;
and the cost discount calculation unit 503 is configured to perform discount calculation on the original transaction cost according to a discount policy corresponding to the transaction information, so as to obtain a transaction cost after discount.
Optionally, the offer policy determining unit 502 is specifically configured to obtain a transaction type in the transaction information; and determining a discount strategy corresponding to the transaction type according to a preset mapping relation table of the discount strategy and the transaction type.
Optionally, when the offer policy corresponding to the transaction information is account-level offer priority, the fee offer calculation unit 503 includes:
the first information identification subunit is used for identifying account information, a scene code and a channel code in the transaction information;
the account layer calculation subunit is used for performing discount calculation on an account layer according to the account information and the original transaction fee on the account layer to obtain transaction fee after the account layer discount calculation, and transmitting the scene code and the transaction fee after the account layer discount calculation into a scene layer;
the scene layer calculation subunit is used for performing scene layer discount calculation on the scene layer according to the scene code and the account layer discount calculated transaction cost to obtain the scene layer discount calculated transaction cost, and transmitting the channel code and the scene layer discount calculated transaction cost into the channel layer;
and the channel layer calculation subunit is used for performing discount calculation on the channel layer according to the channel code and the transaction fee after the scene layer discount calculation to obtain the transaction fee after the channel layer discount calculation and using the transaction fee as the final discount transaction fee.
Optionally, when the offer policy corresponding to the transaction information is a preferred offer policy, the fee offer calculating unit 503 includes:
the second information identification subunit is used for identifying account information, customer pricing information, scene codes and channel codes in the transaction information;
the account layer calculation subunit is used for performing discount calculation on the account layer according to the account information and the original transaction cost to obtain the transaction cost after the account layer discount calculation;
the account-based pricing calculation subunit is used for determining a client group corresponding to the transaction information according to the account-based pricing information, and performing discount calculation on the original transaction cost according to a discount calculation method corresponding to the client group to obtain the transaction cost after the account-based pricing is subjected to the discount calculation;
the optimal cost selection subunit is used for taking the lowest cost in the transaction cost after the account layer discount calculation and the transaction cost after the customer pricing discount calculation as the optimal transaction cost and transmitting the optimal transaction cost and the scene code into the scene layer;
the scene layer calculation subunit is used for performing the preferential calculation of the scene layer on the scene layer according to the scene code and the optimal transaction fee to obtain the transaction fee after the preferential calculation of the scene layer, and transmitting the channel code and the transaction fee after the preferential calculation of the scene layer into the channel layer;
and the channel layer calculation subunit is used for performing discount calculation on the channel layer according to the channel code and the transaction fee after the scene layer discount calculation to obtain the transaction fee after the channel layer discount calculation and using the transaction fee as the final discount transaction fee.
Optionally, when the offer policy corresponding to the transaction information is a standard account customer offer policy, the fee offer calculation unit 503 includes:
the third information identification subunit is used for identifying account information, customer information, a scene code and a channel code in the transaction information;
the account client layer calculation subunit is used for carrying out corresponding cost discount calculation according to the discount mode selected by the customer from the account discount mode and the customer discount mode and the original transaction cost to obtain the transaction cost after account customer discount calculation, and transmitting the scene code and the transaction cost after account customer discount calculation into the scene layer;
the scene layer calculation subunit is used for performing scene layer discount calculation on the scene layer according to the scene code and the transaction cost after the account customer discount calculation to obtain scene layer discount calculated transaction cost, and transmitting the channel code and the scene layer discount calculated transaction cost into the channel layer;
and the channel layer calculation subunit is used for performing preferential calculation on the channel layer according to the channel code and the transaction cost subjected to preferential calculation on the scene layer, so as to obtain the transaction cost subjected to preferential calculation on the channel layer and serve as the final preferential transaction cost.
The calculation device for the expense preferential, disclosed by the embodiment, realizes the automatic calculation of the expense preferential, supports various preferential strategies, can automatically identify transaction information when a transaction occurs, determines the corresponding preferential strategy according to the transaction information, automatically executes the preferential strategy to perform preferential calculation on the original transaction cost in the transaction information to obtain the transaction cost after preferential, and improves the efficiency and accuracy of the calculation of the expense preferential.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (8)
1. A method for calculating a cost offer, comprising:
when a transaction occurs, acquiring transaction information, wherein the transaction information comprises an original transaction fee;
determining a coupon policy corresponding to the transaction information;
performing discount calculation on the original transaction cost according to a discount strategy corresponding to the transaction information to obtain the transaction cost after discount;
when the discount strategy corresponding to the transaction information is an account layer priority discount strategy, performing discount calculation on the original transaction cost according to the discount strategy corresponding to the transaction information to obtain the transaction cost after discount, including:
identifying account information, a scene code and a channel code in the transaction information;
performing discount calculation on an account layer according to the account information and the original transaction cost to obtain transaction cost after the discount calculation of the account layer, and transmitting the scene code and the transaction cost after the discount calculation of the account layer into a scene layer;
performing discount calculation of a scene layer on the scene layer according to the scene code and the transaction cost calculated by the account layer discount to obtain the transaction cost calculated by the scene layer discount, and transmitting the channel code and the transaction cost calculated by the scene layer discount to the channel layer;
and performing discount calculation on the channel layer according to the channel code and the transaction cost calculated by the scene layer discount on the channel layer to obtain the transaction cost calculated by the channel layer discount and serve as the final discount transaction cost.
2. The method of claim 1, wherein determining the offer policy corresponding to the transaction information comprises:
acquiring the transaction type in the transaction information;
and determining a discount strategy corresponding to the transaction type according to a preset mapping relation table of the discount strategy and the transaction type.
3. The method according to claim 1, wherein when the offer policy corresponding to the transaction information is a preferred policy, performing offer calculation on the original transaction fee according to the offer policy corresponding to the transaction information to obtain an offered transaction fee, includes:
identifying account information, customer-dependent pricing information, a scene code and a channel code in the transaction information;
performing discount calculation on an account layer according to the account information and the original transaction cost to obtain transaction cost after the discount calculation of the account layer;
determining a customer group corresponding to the transaction information according to the customer pricing information, and performing discount calculation on the original transaction cost according to a discount calculation method corresponding to the customer group to obtain transaction cost after calculation of customer pricing discount;
taking the lowest cost of the transaction cost after account layer discount calculation and the transaction cost after guest pricing discount calculation as the optimal transaction cost, and transmitting the optimal transaction cost and the scene code into a scene layer;
performing preferential calculation of a scene layer on the scene layer according to the scene code and the optimal transaction cost to obtain transaction cost after the preferential calculation of the scene layer, and transmitting the channel code and the transaction cost after the preferential calculation of the scene layer into the channel layer;
and performing discount calculation on the channel layer according to the channel code and the transaction fee after the scene layer discount calculation to obtain the transaction fee after the channel layer discount calculation and use the transaction fee as the final discount transaction fee.
4. The method according to claim 1, wherein when the offer policy corresponding to the transaction information is a standard account customer offer policy, the performing offer calculation on the original transaction fee according to the offer policy corresponding to the transaction information to obtain an offered transaction fee includes:
identifying account information, customer information, scene codes and channel codes in the transaction information;
carrying out corresponding cost preferential calculation according to the preferential mode selected by the customer in the account preferential mode and the customer preferential mode and the original transaction cost to obtain the transaction cost after the account customer preferential calculation, and transmitting the scene code and the transaction cost after the account customer preferential calculation into a scene layer;
performing discount calculation on a scene layer according to the scene code and the transaction cost calculated by the account customer discount on the scene layer to obtain the transaction cost calculated by the scene layer discount, and transmitting the channel code and the transaction cost calculated by the scene layer discount into the channel layer;
and performing discount calculation on the channel layer according to the channel code and the transaction fee after the scene layer discount calculation to obtain the transaction fee after the channel layer discount calculation and use the transaction fee as the final discount transaction fee.
5. A computing device for cost offers, comprising:
the transaction information acquisition unit is used for acquiring transaction information when one transaction occurs, wherein the transaction information comprises an original transaction fee;
the discount strategy determining unit is used for determining a discount strategy corresponding to the transaction information;
the expense discount calculation unit is used for carrying out discount calculation on the original transaction expense according to a discount strategy corresponding to the transaction information to obtain the transaction expense after discount;
when the offer policy corresponding to the transaction information is an account layer priority offer policy, the fee offer calculation unit includes:
the first information identification subunit is used for identifying account information, a scene code and a channel code in the transaction information;
the account layer calculation subunit is used for performing discount calculation on an account layer according to the account information and the original transaction fee on the account layer to obtain transaction fee after the account layer discount calculation, and transmitting the scene code and the transaction fee after the account layer discount calculation into a scene layer;
the scene layer calculation subunit is used for performing scene layer discount calculation on the scene layer according to the scene code and the account layer discount calculated transaction cost to obtain the scene layer discount calculated transaction cost, and transmitting the channel code and the scene layer discount calculated transaction cost into the channel layer;
and the channel layer calculation subunit is used for performing preferential calculation on the channel layer according to the channel code and the transaction cost subjected to preferential calculation on the scene layer, so as to obtain the transaction cost subjected to preferential calculation on the channel layer and serve as the final preferential transaction cost.
6. The apparatus according to claim 5, wherein the offer policy determination unit is specifically configured to obtain a transaction type in the transaction information; and determining a discount strategy corresponding to the transaction type according to a preset mapping relation table of the discount strategy and the transaction type.
7. The apparatus according to claim 5, wherein when the offer policy corresponding to the transaction information is a preferred offer policy, the cost offer calculating unit includes:
the second information identification subunit is used for identifying account information, customer pricing information, scene codes and channel codes in the transaction information;
the account layer calculation subunit is used for performing account layer discount calculation on the account layer according to the account information and the original transaction fee to obtain the transaction fee after account layer discount calculation;
the account-for-customer pricing calculation subunit is used for determining a customer group corresponding to the transaction information according to the account-for-customer pricing information, and performing discount calculation on the original transaction cost according to a discount calculation method corresponding to the customer group to obtain the transaction cost after calculation of the account-for-customer pricing discount;
the optimal cost selection subunit is used for taking the lowest cost in the transaction cost after the account layer discount calculation and the transaction cost after the customer pricing discount calculation as the optimal transaction cost and transmitting the optimal transaction cost and the scene code into the scene layer;
the scene layer calculation subunit is used for performing the preferential calculation of the scene layer on the scene layer according to the scene code and the optimal transaction fee to obtain the transaction fee after the preferential calculation of the scene layer, and transmitting the channel code and the transaction fee after the preferential calculation of the scene layer into the channel layer;
and the channel layer calculation subunit is used for performing preferential calculation on the channel layer according to the channel code and the transaction cost subjected to preferential calculation on the scene layer, so as to obtain the transaction cost subjected to preferential calculation on the channel layer and serve as the final preferential transaction cost.
8. The apparatus of claim 5, wherein when the offer policy corresponding to the transaction information is a standard account customer offer policy, the cost offer calculation unit comprises:
the third information identification subunit is used for identifying account information, customer information, a scene code and a channel code in the transaction information;
the account client layer computing subunit is used for performing corresponding cost discount computation according to the discount mode selected by the client in the account discount mode and the client discount mode and the original transaction cost to obtain the transaction cost after the account client discount computation, and transmitting the scene code and the transaction cost after the account client discount computation into the scene layer;
the scene layer calculation subunit is used for performing scene layer discount calculation on the scene layer according to the scene code and the transaction cost calculated by the account customer discount to obtain the scene layer discount calculated transaction cost, and transmitting the channel code and the scene layer discount calculated transaction cost to the channel layer;
and the channel layer calculation subunit is used for performing preferential calculation on the channel layer according to the channel code and the transaction cost subjected to preferential calculation on the scene layer, so as to obtain the transaction cost subjected to preferential calculation on the channel layer and serve as the final preferential transaction cost.
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| CN111429274A (en) * | 2020-03-09 | 2020-07-17 | 中国建设银行股份有限公司 | Transaction processing method and device |
| CN113822704A (en) * | 2021-09-01 | 2021-12-21 | 中电金信软件有限公司 | Method and device for calculating discount cost, electronic equipment and readable storage medium |
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