CN110188990A - A kind of resource request and funds request shunt method, device and equipment - Google Patents
A kind of resource request and funds request shunt method, device and equipment Download PDFInfo
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- CN110188990A CN110188990A CN201910342637.1A CN201910342637A CN110188990A CN 110188990 A CN110188990 A CN 110188990A CN 201910342637 A CN201910342637 A CN 201910342637A CN 110188990 A CN110188990 A CN 110188990A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
- G06Q10/06315—Needs-based resource requirements planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
- G06Q10/06316—Sequencing of tasks or work
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
- G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
This application discloses a kind of resource requests and funds request shunt method, device and equipment.Method includes: firstly, acquiring specified one or more resource transfers service index of correlation of each resource provider；Then, index of correlation is serviced based on collected resource transfers, overall merit is carried out to each resource provider, to calculate the shunting weight of each resource provider；Weight is shunted finally, combining, the resource request of resources requesting party is distributed into corresponding resource provider.
Description
Technical field
This application involves field of computer technology more particularly to a kind of resource request and funds request shunt methods, device
And equipment.
Background technique
Shunting, which refers to originally, has many paths may be selected, and is now assigned to different paths according to certain rules, reduces all
Toward the pressure of same paths.
For the shunting scheme of resource request, the priority of each resource provider is usually artificially specified, and based on specified
Priority the resource request of resources requesting party is pushed to each resource provider.Therefore, it is necessary to relatively reliable resource requests
Shunting scheme.
Summary of the invention
This specification embodiment provides a kind of resource request shunt method, for improving the shunting effect of resource request.
This specification embodiment also provides a kind of resource request shunt method, comprising:
Determine the resource transfers service index of correlation of at least two resource providers；
Index of correlation is serviced based on the resource transfers, determines the shunting weight of at least two resource provider；
Based on the shunting weight, resource request is distributed at least two resource provider.
This specification embodiment also provides a kind of funds request shunt method, comprising:
Determine the fund service index of correlation of at least two fund mechanisms；
Index of correlation is serviced based on the fund, determines the shunting weight of at least two fund mechanism；
Based on the shunting weight, requested at least two fund mechanism distribution of fund.
This specification embodiment also provides a kind of resource request part flow arrangement, comprising:
Determining module, for determining that the resource transfers of at least two resource providers service index of correlation；
Processing module determines at least two resource provider for servicing index of correlation based on the resource transfers
Shunting weight；
Distribution module distributes resource request for being based on the shunting weight at least two resource provider.
This specification embodiment also provides a kind of funds request part flow arrangement, comprising:
Determining module, for determining that the fund of at least two fund mechanisms services index of correlation；
Processing module determines the shunting of at least two fund mechanism for servicing index of correlation based on the fund
Weight；
Distribution module is requested for being based on the shunting weight at least two fund mechanism distribution of fund.
This specification embodiment also provides a kind of electronic equipment, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes described when executed
Processor is executed such as the step of above-mentioned method.
This specification embodiment also provides a kind of computer readable storage medium, on the computer readable storage medium
It is stored with computer program, is realized when the computer program is executed by processor such as the step of above-mentioned method.
This specification embodiment use at least one above-mentioned technical solution can reach it is following the utility model has the advantages that
One or more resource transfers by acquiring the preassignment of each resource provider service index of correlation, and will
It is as the foundation for carrying out overall merit to each resource provider, to calculate the shunting weight of each resource provider, in turn
It is that each resource provider distributes resource request based on weight is shunted.With existing point for artificially specifying each resource provider
Scheme with priority is compared, and artificial subjective impact can be evaded, from multiple each resource providers of dimension overall merit
Weight is shunted, and then effectively improves resource request shunting effect.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen
Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.In the accompanying drawings:
Fig. 1 is a kind of schematic diagram for application scenarios that this specification provides；
Fig. 2 is a kind of flow diagram for resource request shunt method that one embodiment of this specification provides；
Fig. 3 is the flow diagram for the resource allocation step that one embodiment of this specification provides；
Fig. 4 is a kind of flow diagram for funds request shunt method that one embodiment of this specification provides；
Fig. 5 is a kind of structural schematic diagram for resource request part flow arrangement that one embodiment of this specification provides；
Fig. 6 is a kind of structural schematic diagram for funds request part flow arrangement that one embodiment of this specification provides；
Fig. 7 is the structural schematic diagram for a kind of electronic equipment that one embodiment of this specification provides；
Fig. 8 is the structural schematic diagram for a kind of electronic equipment that another embodiment of this specification provides.
Specific embodiment
To keep the purposes, technical schemes and advantages of the application clearer, below in conjunction with the application specific embodiment and
Technical scheme is clearly and completely described in corresponding attached drawing.Obviously, described embodiment is only the application
A part of the embodiment, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art are not having
Every other embodiment obtained under the premise of creative work is made, shall fall in the protection scope of this application.
By taking capital loan scheme as an example, as background technology part statement, each fund machine is usually artificially specified
The priority of making loans of structure, according still further to the debit request for the priority push user that makes loans, it will usually lead to the fund of highest priority
Mechanism monopolizes the problem of loan service.Based on this, the present invention provides a kind of resource request shunt method, by acquiring each money
One or more resource transfers of source provider service index of correlation, to carry out overall merit to each resource provider, and count
The shunting weight of each resource provider is calculated, and according to the resource request for shunting weight distribution resources requesting party, to avoid
Problem is monopolized in loan service caused by artificial assigned priority, improves shunting effect.
Wherein, resources requesting party is to initiate resource request, to obtain a side of resource；Resource provider is to receive resource
Request, and a side of resource is provided；Resource includes but is not limited to: multimedia file is (such as: video file, audio file, dynamic
Picture etc.), character information, account amount of money, virtual objects, resource redemption code etc., but description is understood for convenience, hereafter with " money
For gold ".
Application scenarios of the invention are illustrated referring to Fig. 1.
It include: resource provider set 101, resource transfers platform 102 and resources requesting party's set in this application scene
103；Wherein,
Resources requesting party's set 103, refers to the set of resources requesting party, for initiating resource to resource transfers platform 102
Request obtains target resource in such a way that request is by lease, quotient's loan etc.；
Resource provider set 101 refers to that the set of resource provider, each resource provider therein and resource turn
It moves platform 102 and carries out data docking, to allow resource transfers platform 102 to check its state and distribute resource request for it；
Resource transfers platform 102 for configuring resource transfers relevant parameter for each resource provider, and is based on resource
The variation of transfer relevant parameter determines its last state；Based on the last state of each resource provider, resource request is distributed
Target resource provider is given, to provide target resource by the target resource.
Wherein, resources requesting party refers to initiation resource request, is used with the user of request target resource or the user
Terminal device；Resource provider is to provide user or the terminal device that uses of the user of target resource；Resource transfers correlation ginseng
Number includes at least: available resource amount, resource request distribution priority etc.；Correspondingly, the state of resource provider is at least
Include: whether available resource amount is 0 etc..
Below in conjunction with attached drawing, the technical scheme provided by various embodiments of the present application will be described in detail.
Fig. 2 is a kind of flow diagram for resource request shunt method that one embodiment of this specification provides, and this method can
It is executed by the resource transfers platform 102 in Fig. 1, referring to fig. 2, this method can specifically include following steps:
Step 202, the resource transfers service index of correlation for determining at least two resource providers；
Wherein, resource transfers service index of correlation refer to can the resource transfers service to resource provider impact
Index, comprising: resource transfers service charge, resource transfers success rate, resource transfers error rate and resource transfers air control scoring in
At least one；Resource transfers service charge refers to that resource provider is supplied to the service charge of resource transfers platform, and resource transfers are poor
Error rate, which refers to, is influenced the probability that resource transfers go wrong by factors such as network, physical environments, and resource transfers air control scoring refers to
Scoring to the air control mechanism of resource provider.
It is understandable to be, to ensure evaluation objectivity and the accuracy to resource provider, executed in step 202, it should
Method further include: setup measures step and index collection step；Wherein,
Setup measures step specifically can be exemplified are as follows:
Firstly, the resource transfers business that acquisition resource transfers platform history is completed, and analyze it, therefrom to mention
The influence index of resource transfers business is taken out, such as: the resource transfers success rate of the resource provider of frequent resource transfers failure
It is lower.
Secondly, determining the indexs such as income, the air control of resource transfers Platform Requirements.
Again, expertise is selectively combined, the index determined to first two steps optimizes processing, to screen out/adjust
The lesser index of some effects, or the index that addition part does not consider, and then construct resource transfers service index of correlation.Example
Such as: seizing market segments in view of being currently in, benefited index can be screened out；In view of the resource request amount of certain time period
It is bigger, the importance of the resource transfers efficiency index of resource provider can be turned down.
Correspondingly, index collection step specifically can be exemplified are as follows:
Example 1, the index that can be directly acquired for resource transfers service charge etc., can be from resource provider, platform data etc.
Data source, which goes out, directly to be extracted.
Example 2 needs index obtained by simple process side for resource transfers success rate, resource transfers error rate etc.,
The history resource transfers data of each resource provider can be acquired, and to the processing such as history resource transfers data are for statistical analysis,
Obtain resource transfers success rate, resource transfers error rate etc..
Example 3 needs index obtained by complicated assessment rule side for resource transfers air control scoring etc., can obtain money
The air control mechanism of source provider, and the crucial air control feature in air control mechanism is extracted, based on crucial air control feature and resource transfers
The code of points of platform scores to resource provider, obtains the resource transfers air control scoring of resource provider.
Wherein, air control mechanism refers to that resource provider is to avoid the occurrence of that resource transfers are abnormal and what is be pre-configured a series of arranges
It applies, such as: to avoid inadequate resource and standby resources being arranged etc.；Crucial air control feature can refer to preset some risk controls
Index processed, such as: standby resources quantity.
Furthermore, it is contemplated that resource transfers environment be not it is unalterable, therefore, in order to ensure resource transfers index of correlation
Validity, for the present embodiment it is further proposed that the step of dynamic adjustresources transfer index of correlation, which specifically can be with
Are as follows:
Determine the environmental characteristic information of resource transfers environment, the environmental characteristic information is for characterizing the resource transfers
Environment is influenced caused by resource transfers；Based on the environmental characteristic information, the resource transfers service index of correlation is adjusted.
Wherein, the environmental characteristic information of resource transfers environment includes but is not limited to: resource transfers feature of risk, resource turn
Move into power, resource transfers income etc..
By taking resource shifts risk feature as an example, if detecting, resource transfers business is hacked suddenly, need to improve wind
The indexs such as the service security scoring of resource provider, air control scoring are then added to resource transfers index of correlation by dangerous resistivity
In.
It, will money if the strategy of resource transfers platform becomes profit model from seizing market by taking resource transfer earnings as an example
The proceeds indicatiors such as source transfer service expense, administration fee are added in resource transfers index of correlation.
It is understandable to be, for other by the artificial caused money such as outside, resource transfers platform, resource transfers both sides
Environmental change, or even the resource transfers environmental change as caused by physical environment are shifted in source, this example can also be adjusted flexibly resource and turn
Service index of correlation is moved, is no longer listed one by one herein.
In addition, it is necessary to explanation, for the reliability for guaranteeing resource transfers, at least two resource providers herein can
To be the high-quality resource provider after screening；Specific resource provider screening step can be exemplified are as follows:
Step S1, the newest resource status and history resource transfers data of optional resource provider are obtained；
Wherein, optional resource provider generally refers to the resource provider for having cooperative relationship with resource transfers platform；It is newest
Resource status includes but is not limited to: can provide stock number, whether there is or not lever, whether there is or not pledge；History resource transfers data include but
It is not limited to: history resource transfers success rate, history resource transfers error rate etc..
Step S2, the newest resource status and the history resource transfers data are based on, the optional resource is provided
Fang Jinhang Screening Treatment obtains at least two resource provider.A kind of its implementation can be with are as follows:
Each feature in step S1 is subjected to quantification treatment, and the feature of quantization is input to preset assessment models
In, to obtain the corresponding evaluation of estimate of each optional resource provider, and forward pre- of evaluation of estimate is selected in optional resource provider
If the resource provider of quantity (such as: 3), to generate at least two resource provider.
Step 204 services index of correlation based on the resource transfers, determines point of at least two resource provider
Flow weight；
Wherein, weight is shunted for characterizing priority of each resource provider in resource request branching process, generally
It is that shunting weight is bigger, priority is higher.
It should be noted that the first implementation of step 204 can be with are as follows:
Step S1`, the corresponding weight coefficient of each index in resource transfers service index of correlation is determined；It is specific
It can be exemplified are as follows:
Determine the corresponding coefficient calculation of each index in resource transfers service index of correlation；Based on described every
The corresponding coefficient calculation of a index, determines the corresponding weight coefficient of each index.
That is, this implementation is treated by the way that different coefficient calculations, differentiation are respectively configured for different types of index
Influence of each index to resource transfers, to be further ensured that the accuracy of assessment.Specifically it can be illustrated as follows:
The corresponding coefficient calculation of resource transfers service charge can be linear function, that is, resource transfers service charge and power
Weight coefficient is directly proportional；The corresponding coefficient calculation of resource transfers success rate can be quadratic function；Resource transfers error rate pair
The coefficient calculation answered can be inverse proportion function, that is, resource transfers error rate and weight coefficient are inversely proportional；Resource transfers
The corresponding coefficient calculation of air control scoring can be point set, such as: resource provider has air control mechanism, then weight coefficient is
1, no air control mechanism, then weight coefficient is 0.
Understandable to be, the corresponding coefficient calculation of each index can be mentioned with demand, the resource of resource transfers platform
The demand of supplier and the demand of resource transfers environment and flexible configuration, herein without limitation.
Step S2`, it is based on the corresponding weight coefficient of each index, determines at least two resource provider
Shunt weight.It specifically can be exemplified are as follows:
Assuming that at least two resource providers include: first resource provider and Secondary resource provider, it is based on each index
Corresponding coefficient calculation, the corresponding weight coefficient of each index for calculating first resource provider is respectively as follows: 0.2,0.6,
0.8,1, the corresponding weight coefficient of each index of Secondary resource provider is respectively as follows: 0.6,0.8,0.4,0.8.
It can be then based on the corresponding weight coefficient of each index and default code of points, first resource provider and second are provided
Source provider carries out overall merit, obtains the scoring of each resource provider, and by scoring as shunting weight.
Further, to distinguish the influence that each index shunts resource request, to guarantee the accuracy shunted, originally show
Example also introduces the concept of the corresponding weighted value of index, and correspondingly, specific code of points can be with specific example are as follows:
Determine the corresponding weighted value of each index in resource transfers service index of correlation；Based on each index
Corresponding weighted value and weight coefficient determine the shunting weight of at least two resource provider.
Wherein, the sum of corresponding weighted value of each index is fixed value (taking 1 or 100 under normal circumstances), and each index is corresponding
Weighted value can for based on historical experience and platform latest requirement it is pre-set.
Assuming that the corresponding weighted value of resource transfers service charge is 40, the corresponding weighted value of resource transfers success rate is 30, money
Transfer error rate corresponding weighted value in source is 20, resource transfers air control is scored, and corresponding weighted value is 10, then first resource provides
The corresponding shunting weight in side are as follows: (0.2*40+0.6*30+0.8*20+1*10)/100=52%, similarly Secondary resource provider
Corresponding shunting weight are as follows: (0.6*40+0.8*30+0.4*20+0.8*10)/100=64%.
It is understandable to be, different index or even settable and other moneys can be acquired for different resource providers
The different weighted value of the corresponding weighted value of the index of source provider, specifically depends on the circumstances, details are not described herein again.
Step 206 is based on the shunting weight, distributes resource request at least two resource provider.Referring to figure
3, a kind of implementation can be with are as follows:
Step 302, the total resources for determining the expected request of target resource requesting party group；
Wherein, total resources referred in target resource requesting party's this period of group that resource transfers platform is pre-estimated out
The total resources of required request.Specifically it can be exemplified are as follows:
Resource transfers platform obtains the resource transfers data in a nearest period, each in the period to determine
Resources requesting party group requested resource total amount in period；Based on the corresponding total resources of each period in the period,
Assess this period domestic-investment source requesting party group requested resource total amount；Specifically can by corresponding total resources of each period into
The processing of row weighted average, evaluates corresponding total resources in this period.
Step 304 is based on the shunting weight and the total resources, determines at least two resource provider
Resource amount；A kind of its implementation can be with are as follows:
Based on resource provider each at least two resource provider it is corresponding shunt weight between ratio,
The total resources are divided, the resource amount of each resource provider is obtained.Specifically it can be exemplified are as follows:
Assuming that total resources are A, at least two resource providers include: that first resource provider and Secondary resource provide
Side, both calculating corresponding shunting weight based on step 204 is respectively 52% and 64%, then using the A of 52/ (52+64) as
The resource amount of first resource provider, using the A of 64/ (52+64) as the resource amount of Secondary resource provider.
Step 306 is based on the resource amount, distributes resource request at least two resource provider.It is a kind of
Implementation can be with are as follows:
Based on the shunting weight, the corresponding distribution priority of at least two resource provider is determined；Based on described
Priority and the shunting weight are distributed, the resource request of resources requesting party is distributed into target resource provider；
Wherein, the target resource provider be at least two resource provider in distribute highest priority and
There is the resource provider of resource amount.
This implementation specifically can be exemplified are as follows:
Since the shunting weight (64%) of Secondary resource provider is greater than the shunting weight of first resource provider
(52%), therefore, the distribution priority for the second provider configuration is greater than the distribution priority of first resource provider；Then,
When by the resource request for receiving the initiation of some resource provider, which is preferentially distributed into Secondary resource provider,
Until the resource amount of Secondary resource provider is used up, then subsequent resource request is distributed into first resource provider.
In addition, for the biggish resources requesting party of resource amount of request, to avoid the occurrence of due to some resource request pair
The amount answered is larger to cause resource request to shunt the lower problem of accuracy, and another implementation of step 304 can be with are as follows:
The total resources that assessment target resource requesting party requests within this period；Based on the shunting weight and the money
Source total value determines the resource amount of at least two resource provider；Based on the shunting weight, described at least two are determined
The corresponding distribution priority of a resource provider；Based on the distribution priority and the shunting weight, by resources requesting party's
Resource request distributes to target resource provider；Wherein, the target resource provider is at least two resource provider
It is middle distribution highest priority and have the resource provider of resource amount.
As it can be seen that one or more resource transfers services of the present embodiment by the preassignment of each resource provider of acquisition
Index of correlation, and as the foundation for carrying out overall merit to each resource provider, to calculate each resource provider
Weight is shunted, and then is that each resource provider distributes resource request based on weight is shunted.Each money is artificially specified with existing
The scheme of the distribution priority of source provider is compared, and artificial subjective impact can be evaded, each from multiple dimension overall merits
The shunting weight of resource provider, and then effectively improve resource request shunting effect.
Fig. 4 is the flow diagram that a kind of loaning bill that another embodiment of this specification provides requests shunt method, this method
It can be executed by the resource transfers platform 102 in Fig. 1, referring to fig. 4, this method can specifically include following steps:
Step 402, the fund service index of correlation for determining at least two fund mechanisms；
Wherein, fund mechanism is to show financing bank, loaning bill side, security etc.；Fund services index of correlation
But it is not limited to: service charge of making loans, success rate of making loans, make loans at least one of error rate and air control of making loans scoring.
It should be noted that before executing step 402, the present embodiment is also further wrapped for the validity for ensuring index
Include: index optimization step, the step are specifically as follows:
Determine the environmental characteristic information of fund transfer environment, the environmental characteristic information is for characterizing the fund transfer
Environment influences caused by shifting on fund；Based on the environmental characteristic information, the funds movement service index of correlation is adjusted.
In addition, before executing step 402, the present embodiment be may further comprise: for the reliability for ensuring fund mechanism
The step of screening fund mechanism, which is specifically as follows:
Obtain the newest fund state and history fund transfer data of optional fund mechanism；Based on the newest fund shape
State and the history fund shift data, carry out Screening Treatment to the optional fund mechanism, obtain at least two fund
Mechanism.
Step 404 services index of correlation based on the fund, determines the shunting weight of at least two fund mechanism；
A kind of its implementation can be with are as follows:
Step S1``, the corresponding weight coefficient of each index in the funds movement service index of correlation is determined；It is specific
It can be exemplified are as follows:
Determine the corresponding coefficient calculation of each index in the funds movement service index of correlation；Based on described every
The corresponding coefficient calculation of a index, determines the corresponding weight coefficient of each index.
Step S2``, it is based on the corresponding weight coefficient of each index, determines point of at least two fund mechanism
Flow weight.It specifically can be exemplified are as follows:
Firstly, determining the corresponding weighted value of each index in the funds movement service index of correlation；Then, it is based on institute
The corresponding weighted value of each index and weight coefficient are stated, determines the shunting weight of at least two fund mechanism.
Wherein, the corresponding weighted value of each index can be artificial settings.
Step 406 is based on the shunting weight, requests at least two fund mechanism distribution of fund.A kind of its reality
Existing mode can be with are as follows:
Step S1```, the capital investment of target funds request side group request is assessed；
Step S2```, it is based on the shunting weight and the capital investment, determines at least two fund mechanism
Fund amount；
Step S3```, it is based on the fund amount, is requested at least two fund mechanism distribution of fund.It is specific
It can be exemplified are as follows:
Based on the shunting weight, the corresponding distribution priority of at least two fund mechanism is determined；Based on described point
With priority and the shunting weight, the funds request of funds request side is distributed into target fund mechanism；Wherein, the mesh
Mark fund mechanism is fund mechanism that is distributing highest priority at least two fund mechanism and having fund amount.
As it can be seen that the present embodiment is referred to by acquiring one or more funds service correlation of the preassignment of each fund mechanism
Mark, and as the foundation for carrying out overall merit to each fund mechanism, to calculate the shunting weight of each fund mechanism,
And then it is requested based on weight is shunted for each fund mechanism distribution of fund.With existing point for artificially specifying each fund mechanism
Scheme with priority is compared, and artificial subjective impact can be evaded, from point of each fund mechanism of multiple dimension overall merits
Weight is flowed, and then effectively improves funds request shunting effect.
In addition, for simple description, therefore, it is stated as a series of action groups for above method embodiment
It closes, but those skilled in the art should understand that, embodiment of the present invention is not limited by the described action sequence, because
For embodiment according to the present invention, some steps may be performed in other sequences or simultaneously.Secondly, those skilled in the art
Member also should be aware of, and embodiment described in this description belongs to preferred embodiment, and related movement might not
It is necessary to embodiment of the present invention.
Fig. 5 is the structural schematic diagram of a kind of resource request part flow arrangement that one embodiment of this specification provides, referring to Fig. 5,
The device can specifically include: determining module 502, processing module 504 and distribution module 506, in which:
Determining module 502, for determining that the resource transfers of at least two resource providers service index of correlation；
Processing module 504 determines that at least two resource mentions for servicing index of correlation based on the resource transfers
The shunting weight of supplier；
Distribution module 506 is distributed resource at least two resource provider and is asked for being based on the shunting weight
It asks.
Optionally, the resource transfers service index of correlation includes: resource transfers service charge, resource transfers success rate, money
Shift at least one of error rate and resource transfers air control scoring in source.
Optionally, processing module 504 are specifically used for:
Determine the corresponding weight coefficient of each index in resource transfers service index of correlation；Based on each finger
Corresponding weight coefficient is marked, determines the shunting weight of at least two resource provider.
Optionally, processing module 504 are specifically used for:
Determine the corresponding coefficient calculation of each index in resource transfers service index of correlation；Based on described every
The corresponding coefficient calculation of a index, determines the corresponding weight coefficient of each index.
Optionally, device further include:
First preprocessing module, for determining the corresponding weight of each index in resource transfers service index of correlation
Value；
Wherein, processing module 504 are specifically used for:
Based on the corresponding weighted value of each index and weight coefficient, at least two resource provider is determined
Shunt weight.
Optionally, device further include:
Index adjusts module, for determining that the environmental characteristic information of resource transfers environment, the environmental characteristic information are used for
Characterize resource transfers environment influence caused by resource transfers；Based on the environmental characteristic information, adjusts the resource and turn
Move service index of correlation.
Optionally, device further include:
Second preprocessing module, for obtaining the newest resource status and history resource transfers number of optional resource provider
According to；Based on the newest resource status and the history resource transfers data, the optional resource provider is carried out at screening
Reason, obtains at least two resource provider.
Optionally, distribution module 506 are specifically used for:
Assess the total resources of target resource requesting party group request；Based on the shunting weight and the total resources,
Determine the resource amount of at least two resource provider；Based on the resource amount, provided at least two resource
Side's distribution resource request.
Optionally, distribution module 506 are specifically used for:
Based on the shunting weight, the corresponding distribution priority of at least two resource provider is determined；Based on described
Priority and the shunting weight are distributed, the resource request of resources requesting party is distributed into target resource provider；
Wherein, the target resource provider be at least two resource provider in distribute highest priority and
There is the resource provider of resource amount.
As it can be seen that one or more resource transfers services of the present embodiment by the preassignment of each resource provider of acquisition
Index of correlation, and as the foundation for carrying out overall merit to each resource provider, to calculate each resource provider
Weight is shunted, and then is that each resource provider distributes resource request based on weight is shunted.Each money is artificially specified with existing
The scheme of the distribution priority of source provider is compared, and artificial subjective impact can be evaded, each from multiple dimension overall merits
The shunting weight of resource provider, and then effectively improve resource request shunting effect.
Fig. 6 is the structural schematic diagram of a kind of funds request part flow arrangement that one embodiment of this specification provides, referring to Fig. 6,
The device can specifically include: determining module 602, processing module 604 and distribution module 606, in which:
Determining module 602, for determining that the fund of at least two fund mechanisms services index of correlation；
Processing module 604 determines at least two fund mechanism for servicing index of correlation based on the fund
Shunt weight；
Distribution module 606 is requested for being based on the shunting weight at least two fund mechanism distribution of fund.
Optionally, fund service index of correlation includes but is not limited to: service charge of making loans, success rate of making loans, error rate of making loans
With at least one of air control scoring of making loans.
Optionally, device further include:
Index adjusts module, for determining that the environmental characteristic information of fund transfer environment, the environmental characteristic information are used for
The fund transfer environment is characterized on influence caused by fund transfer；Based on the environmental characteristic information, adjusts the fund and turn
Move service index of correlation.
Optionally, device further include:
Mechanism screening module, for obtaining the newest fund state and history fund transfer data of optional fund mechanism；Base
Data are shifted in the newest fund state and the history fund, Screening Treatment is carried out to the optional fund mechanism, is obtained
At least two fund mechanism.
Optionally, processing module 604 are specifically used for:
Determine the corresponding weight coefficient of each index in the funds movement service index of correlation；Based on each finger
Corresponding weight coefficient is marked, determines the shunting weight of at least two fund mechanism.
Optionally, processing module 604 are specifically used for:
Determine the corresponding coefficient calculation of each index in the funds movement service index of correlation；Based on described every
The corresponding coefficient calculation of a index, determines the corresponding weight coefficient of each index.
Optionally, processing module 604 are specifically used for:
Determine the corresponding weighted value of each index in the funds movement service index of correlation；Based on each index
Corresponding weighted value and weight coefficient determine the shunting weight of at least two fund mechanism.
Optionally, distribution module 606 are specifically used for:
Assess the capital investment of target funds request side group request；Based on the shunting weight and the capital investment,
Determine the fund amount of at least two fund mechanism；Based on the fund amount, at least two fund mechanism point
With funds request.
Optionally, distribution module 606 are specifically used for:
Based on the shunting weight, the corresponding distribution priority of at least two fund mechanism is determined；Based on described point
With priority and the shunting weight, the funds request of funds request side is distributed into target fund mechanism；Wherein, the mesh
Mark fund mechanism is fund mechanism that is distributing highest priority at least two fund mechanism and having fund amount.
As it can be seen that the present embodiment is referred to by acquiring one or more funds service correlation of the preassignment of each fund mechanism
Mark, and as the foundation for carrying out overall merit to each fund mechanism, to calculate the shunting weight of each fund mechanism,
And then it is requested based on weight is shunted for each fund mechanism distribution of fund.With existing point for artificially specifying each fund mechanism
Scheme with priority is compared, and artificial subjective impact can be evaded, from point of each fund mechanism of multiple dimension overall merits
Weight is flowed, and then effectively improves funds request shunting effect.
In addition, for above-mentioned apparatus embodiment, since it is substantially similar to method implementation, so description
It is fairly simple, related place illustrates referring to the part of method implementation.It should be noted that in dress of the invention
In all parts set, logical partitioning is carried out to component therein according to the function that it to be realized, still, the present invention is not
It is limited to this, can according to need and all parts are repartitioned or are combined.
Fig. 7 is the structural schematic diagram for a kind of electronic equipment that one embodiment of this specification provides, and referring to Fig. 7, which is set
Standby includes processor, internal bus, network interface, memory and nonvolatile memory, is also possible that other business certainly
Required hardware.Processor from read in nonvolatile memory corresponding computer program into memory then run,
Resource request part flow arrangement is formed on logic level.Certainly, other than software realization mode, other are not precluded in the application
Implementation, such as logical device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow
It is not limited to each logic unit, is also possible to hardware or logical device.
Network interface, processor and memory can be connected with each other by bus system.Bus can be ISA
(Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral
Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard
Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control
Bus etc..Only to be indicated with a four-headed arrow in Fig. 7, it is not intended that an only bus or a seed type convenient for indicating
Bus.
Memory is for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include read-only memory and random access memory, and provide instruction sum number to processor
According to.Memory may include high-speed random access memory (Random-Access Memory, RAM), it is also possible to further include non-
Volatile memory (non-volatile memory), for example, at least 1 magnetic disk storage.
Processor for executing the program of the memory storage, and specifically executes:
Determine the resource transfers service index of correlation of at least two resource providers；
Index of correlation is serviced based on the resource transfers, determines the shunting weight of at least two resource provider；
Based on the shunting weight, resource request is distributed at least two resource provider.
Resource request part flow arrangement or manager (Master) node disclosed in the above-mentioned embodiment illustrated in fig. 5 such as the application
The method of execution can be applied in processor, or be realized by processor.Processor may be a kind of IC chip,
Processing capacity with signal.During realization, each step of the above method can pass through the integrated of the hardware in processor
The instruction of logic circuit or software form is completed.Above-mentioned processor can be general processor, including central processing unit
(Central Processing Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be several
Word signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific
Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array,
FPGA) either other programmable logic device, discrete gate or transistor logic, discrete hardware components.May be implemented or
Person executes disclosed each method, step and logic diagram in the embodiment of the present application.General processor can be microprocessor
Or the processor is also possible to any conventional processor etc..The step of method in conjunction with disclosed in the embodiment of the present application, can
Execute completion to be embodied directly in hardware decoding processor, or in decoding processor hardware and software module combination hold
Row is completed.Software module can be located at random access memory, flash memory, read-only memory, programmable read only memory or electrically erasable
In the storage medium for writing this fields such as programmable storage, register maturation.The storage medium is located at memory, and processor is read
Information in access to memory, in conjunction with the step of its hardware completion above method.
The method that resource request part flow arrangement can also carry out Fig. 2-3, and realize the method that manager's node executes.
Based on identical innovation and creation, the embodiment of the present application also provides a kind of computer readable storage medium, the meter
Calculation machine readable storage medium storing program for executing stores one or more programs, and it is included multiple application programs that one or more of programs, which are worked as,
When electronic equipment executes, so that the electronic equipment executes the resource request shunt method that the corresponding embodiment of Fig. 2-3 provides.
Fig. 8 is the structural schematic diagram for a kind of electronic equipment that one embodiment of this specification provides, and referring to Fig. 8, which is set
Standby includes processor, internal bus, network interface, memory and nonvolatile memory, is also possible that other business certainly
Required hardware.Processor from read in nonvolatile memory corresponding computer program into memory then run,
Funds request part flow arrangement is formed on logic level.Certainly, other than software realization mode, other are not precluded in the application
Implementation, such as logical device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow
It is not limited to each logic unit, is also possible to hardware or logical device.
Network interface, processor and memory can be connected with each other by bus system.Bus can be ISA
(Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral
Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard
Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control
Bus etc..Only to be indicated with a four-headed arrow in Fig. 8, it is not intended that an only bus or a seed type convenient for indicating
Bus.
Memory is for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include read-only memory and random access memory, and provide instruction sum number to processor
According to.Memory may include high-speed random access memory (Random-Access Memory, RAM), it is also possible to further include non-
Volatile memory (non-volatile memory), for example, at least 1 magnetic disk storage.
Processor for executing the program of the memory storage, and specifically executes:
Determine the fund service index of correlation of at least two fund mechanisms；
Index of correlation is serviced based on the fund, determines the shunting weight of at least two fund mechanism；
Based on the shunting weight, requested at least two fund mechanism distribution of fund.
Funds request part flow arrangement or manager (Master) node disclosed in the above-mentioned embodiment illustrated in fig. 6 such as the application
The method of execution can be applied in processor, or be realized by processor.Processor may be a kind of IC chip,
Processing capacity with signal.During realization, each step of the above method can pass through the integrated of the hardware in processor
The instruction of logic circuit or software form is completed.Above-mentioned processor can be general processor, including central processing unit
(Central Processing Unit, CPU), network processing unit (Network Processor, NP) etc.；It can also be several
Word signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific
Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array,
FPGA) either other programmable logic device, discrete gate or transistor logic, discrete hardware components.May be implemented or
Person executes disclosed each method, step and logic diagram in the embodiment of the present application.General processor can be microprocessor
Or the processor is also possible to any conventional processor etc..The step of method in conjunction with disclosed in the embodiment of the present application, can
Execute completion to be embodied directly in hardware decoding processor, or in decoding processor hardware and software module combination hold
Row is completed.Software module can be located at random access memory, flash memory, read-only memory, programmable read only memory or electrically erasable
In the storage medium for writing this fields such as programmable storage, register maturation.The storage medium is located at memory, and processor is read
Information in access to memory, in conjunction with the step of its hardware completion above method.
The method that funds request part flow arrangement can also carry out Fig. 4, and realize the method that manager's node executes.
Based on identical innovation and creation, the embodiment of the present application also provides a kind of computer readable storage medium, the meter
Calculation machine readable storage medium storing program for executing stores one or more programs, and it is included multiple application programs that one or more of programs, which are worked as,
When electronic equipment executes, so that the electronic equipment executes the funds request shunt method that the corresponding embodiment of Fig. 4 provides.
All the embodiments in this specification are described in a progressive manner, same and similar between each embodiment
Part may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for being
For embodiment of uniting, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to method
The part of embodiment illustrates.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer journey
Sequence product.Therefore, complete hardware embodiment, complete software embodiment or combining software and hardware aspects can be used in the present invention
The form of embodiment.Moreover, it wherein includes the calculating of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in machine usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions each in flowchart and/or the block diagram
The combination of process and/or box in process and/or box and flowchart and/or the block diagram.It can provide these computers
Processor of the program instruction to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices
To generate a machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute
For realizing the function of being specified in one or more flows of the flowchart and/or one or more blocks of the block diagram
Device.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that instruction stored in the computer readable memory generation includes
The manufacture of command device, the command device are realized in one box of one or more flows of the flowchart and/or block diagram
Or the function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that
Series of operation steps are executed on computer or other programmable devices to generate computer implemented processing, thus calculating
The instruction executed on machine or other programmable devices is provided for realizing in one or more flows of the flowchart and/or side
The step of function of being specified in block diagram one box or multiple boxes.
In a typical configuration, calculate equipment include one or more processors (CPU), input/output interface,
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/
Or the forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any side
Method or technology realize that information stores.Information can be computer readable instructions, data structure, the module of program or other numbers
According to.The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory
(SRAM), dynamic random access memory (DRAM), other kinds of random access memory (RAM), read-only memory
(ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory techniques, CD-ROM are read-only
Memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage
Or other magnetic storage devices or any other non-transmission medium, it can be used for storing and can be accessed by a computing device information.It presses
It is defined according to herein, computer-readable medium does not include temporary computer readable media (transitory media), is such as modulated
Data-signal and carrier wave.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described
There is also other identical elements in the process, method of element, commodity or equipment.
It will be understood by those skilled in the art that embodiments herein can provide as the production of method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or implementation combining software and hardware aspects can be used in the application
The form of example.Moreover, can be used can in the computer that one or more wherein includes computer usable program code by the application
With the computer program product implemented in storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Form.
The above description is only an example of the present application, is not intended to limit this application.For those skilled in the art
For, various changes and changes are possible in this application.All any modifications made within the spirit and principles of the present application, etc.
With replacement, improvement etc., should be included within the scope of the claims of this application.
Claims (14)
1. a kind of resource request shunt method, comprising:
Determine the resource transfers service index of correlation of at least two resource providers；
Index of correlation is serviced based on the resource transfers, determines the shunting weight of at least two resource provider；
Based on the shunting weight, resource request is distributed at least two resource provider.
2. according to the method described in claim 1, resource transfers service index of correlation includes: resource transfers service charge, money
Shift at least one of success rate, resource transfers error rate and resource transfers air control scoring in source.
3. determining described at least two according to the method described in claim 2, described service index of correlation based on the resource transfers
The shunting weight of a resource provider, comprising:
Determine the corresponding weight coefficient of each index in resource transfers service index of correlation；
Based on the corresponding weight coefficient of each index, the shunting weight of at least two resource provider is determined.
4. according to the method described in claim 3, each index is corresponding in the determination resource transfers service index of correlation
Weight coefficient, comprising:
Determine the corresponding coefficient calculation of each index in resource transfers service index of correlation；
Based on the corresponding coefficient calculation of each index, the corresponding weight coefficient of each index is determined.
5. according to the method described in claim 3, further include:
Determine the corresponding weighted value of each index in resource transfers service index of correlation；
Wherein, described to be based on the corresponding weight coefficient of each index, determine the shunting of at least two resource provider
Weight, comprising:
Based on the corresponding weighted value of each index and weight coefficient, the shunting power of at least two resource provider is determined
Weight.
6. according to the method described in claim 1, further include:
Determine the environmental characteristic information of resource transfers environment, the environmental characteristic information is for characterizing the resource transfers environment pair
It is influenced caused by resource transfers；
Based on the environmental characteristic information, the resource transfers service index of correlation is adjusted.
7. according to the method described in claim 1, further include:
Obtain the newest resource status and history resource transfers data of optional resource provider；
Based on the newest resource status and the history resource transfers data, the optional resource provider is carried out at screening
Reason, obtains at least two resource provider.
8. according to the method described in claim 1, described be based on the shunting weight, at least two resource provider point
With resource request, comprising:
Assess the total resources of target resource requesting party group request；
Based on the shunting weight and the total resources, the resource amount of at least two resource provider is determined；
Based on the resource amount, resource request is distributed at least two resource provider.
9. according to the method described in claim 1, described be based on the resource amount, at least two resource provider point
With resource request, comprising:
Based on the shunting weight, the corresponding distribution priority of at least two resource provider is determined；
Based on the distribution priority and the shunting weight, the resource request of resources requesting party is distributed into target resource and is provided
Side；
Wherein, the target resource provider be at least two resource provider in distribute highest priority and have resource
The resource provider of amount.
10. a kind of funds request shunt method, comprising:
Determine the fund service index of correlation of at least two fund mechanisms；
Index of correlation is serviced based on the fund, determines the shunting weight of at least two fund mechanism；
Based on the shunting weight, requested at least two fund mechanism distribution of fund.
11. a kind of resource request part flow arrangement, comprising:
Determining module, for determining that the resource transfers of at least two resource providers service index of correlation；
Processing module determines point of at least two resource provider for servicing index of correlation based on the resource transfers
Flow weight；
Distribution module distributes resource request for being based on the shunting weight at least two resource provider.
12. a kind of funds request part flow arrangement, comprising:
Determining module, for determining that the fund of at least two fund mechanisms services index of correlation；
Processing module determines the shunting weight of at least two fund mechanism for servicing index of correlation based on the fund；
Distribution module is requested for being based on the shunting weight at least two fund mechanism distribution of fund.
13. a kind of electronic equipment, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed
The step of executing the method as described in any one of right 1 to 10.
14. a kind of computer readable storage medium, computer program, the meter are stored on the computer readable storage medium
The step of method as described in any one of claims 1 to 10 is realized when calculation machine program is executed by processor.
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| CN201910342637.1A CN110188990B (en) | 2019-04-26 | 2019-04-26 | Resource request and fund request splitting method, device and equipment |
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| CN110188990B (en) | 2023-09-08 |
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