CN110222971A - It is a kind of to be classified the method and device for improving trading efficiency based on trading card - Google Patents
It is a kind of to be classified the method and device for improving trading efficiency based on trading card Download PDFInfo
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Abstract
The embodiment provides a kind of method and devices that raising trading efficiency is classified based on trading card, calculate risk score according to corresponding first weight of each trading object of the target transaction list and acquisition that receive, corresponding second weight of each influence factor and the corresponding value of difficulty of each risk classifications.Target transaction list is distributed according to risk score, the high trading card of risk score is distributed to the trading processing personnel of experience abundance, avoids and the high trading card of risk score is distributed into the problem of influencing transaction processing efficiency caused by the insufficient trading processing personnel of experience.By the calculating for carrying out comprehensive score to target transaction list, by the risk quantification of target transaction list, convenient for matching the business processing personnel that the risk of traffic handing capacity and target transaction list matches, to reasonable distribution target transaction list, it avoids transaction flow caused by the unreasonable distribution because of trading card from delaying or stop, improves transaction processing efficiency.
Description
Technical field
The present embodiments relate to intelligent Matching technical fields, improve transaction based on trading card classification more particularly, to one kind
The method and device of efficiency.
Background technique
During existing house prosperity transaction, trading card enters after label after transaction system, and trading card is randomly assigned to transaction
Treatment people (for example, trading adviser).In the links such as provide a loan, pay taxes, transfer ownership, the trading adviser for being connected to trading card is complete
The experience and knowledge body that related service is handled before paddling one's own canoe judges current trading card with the presence or absence of risk, in which link
Risky, what risk point is.There are the following problems for this method being randomly assigned of trading card: (1) due to bank, government etc.
Various policy changes and the various potential risk factors generated, cannot timely find, even veteran trading adviser
It can not accomplish that real-time knowledge hierarchy updates, judgement；(2) risk of trading card leans on the subjectivity of people to go to judge completely, inevitably goes out
Existing various mistakes, careless mistake；(3) trading adviser still shallow to rigid registration experience, cannot have found these risk factors completely.
During realizing the embodiment of the present invention, inventor has found that the trading card of existing house prosperity transaction process divides at random
Match, it, often can be since trading processing personnel can not when the biggish trading card of risk is assigned to the insufficient trading processing personnel of experience
Estimating the risk that is likely to occur and lacking process experience influences and delays or abort transactoin process, influences transaction processing efficiency.
Summary of the invention
The technical problem to be solved by the present invention is to how to solve the trading card of existing house prosperity transaction process with
Machine distribution often can be due to trading processing personnel when the biggish trading card of risk is assigned to the insufficient trading processing personnel of experience
The risk that is likely to occur, which can not be estimated, and lack process experience influences and delays or abort transactoin process, influences trading processing effect
The problem of rate.
Against the above technical problems, the embodiment provides a kind of are classified based on trading card to improve trading efficiency
Method, comprising:
After receiving target transaction list, current each trading object is obtained according to the target transaction list and was classified in trading card
Corresponding first weight in journey, and each influence factor obtained under current each trading object is corresponding in trading card classification process
The second weight；
To the either objective risk classifications under each influence factor, according to target risk described in the target transaction Dan Zhongyu
The corresponding information of type matches the corresponding value of difficulty of the target risk type；
It is corresponding according to corresponding first weight of each trading object, corresponding second weight of each influence factor and each risk classifications
Value of difficulty determine target risk grade belonging to the target transaction list, obtain and match with the target risk grade
Trading processing personnel, as target transaction treatment people.
Further, it is described according to corresponding first weight of each trading object, corresponding second weight of each influence factor and
The corresponding value of difficulty of each risk classifications determines target risk grade belonging to the target transaction list, comprising:
It is corresponding according to corresponding first weight of each trading object, corresponding second weight of each influence factor and each risk classifications
Value of difficulty calculate the target transaction list target risk scoring, obtain risk score and risk class mapping relations,
Risk class belonging to the target risk scoring is determined according to the mapping relations, as the target risk grade.
Further, further includes:
Send target risk scoring, the target risk grade, corresponding first power of each trading object of the target transaction list
Corresponding second weight of weight, each influence factor and the corresponding value of difficulty of risk classifications, and it is anti-to receive the trading processing personnel
The evaluation information of feedback；
The evaluation information collected in preset time period is obtained, according to the evaluation information of collection corresponding to each trading object the
Corresponding second weight of one weight, each influence factor and the corresponding value of difficulty of risk classifications are adjusted；
Wherein, the evaluation information include the target transaction list calculated whether target risk scoring accurate, target
Whether risk class accurate, whether corresponding first weight of each trading object needs to adjust, corresponding second power of each influence factor
Whether weight needs to adjust whether value of difficulty corresponding with risk classifications needs to adjust.
Further, it is described receive target transaction list after, current each trading object is obtained according to the target transaction list
Corresponding first weight in trading card classification process, and each influence factor under current each trading object is obtained in trading card
Corresponding second weight in classification process, comprising:
After receiving target transaction list, the target transaction single pair is determined according to the position in house in the target transaction list
It is corresponding in trading card classification process to obtain current each trading object under the target attributed region for the target attributed region answered
The first weight, and obtain each influence factor under the target attributed region under current each trading object and divide in trading card
Corresponding second weight during grade.
Further, further includes:
If receiving the first information for increasing trading object under a certain default attributed region newly, newly-increased trading object pair is obtained
Initial first weight answered increases the newly-increased trading object and initial first weight under the default attributed region；
Wherein, current each corresponding first weight of trading object and initial first power under the default attributed region
Weight and be less than or equal to 1.
Further, further includes:
If receiving the second information for increasing influence factor newly under the newly-increased trading object, newly-increased influence factor is obtained
Corresponding initial second weight increases the newly-increased influence factor and initial second power under the newly-increased trading object
Weight；
And/or
If receiving the third information for increasing risk classifications newly under the newly-increased influence factor, newly-increased risk classifications are obtained
Corresponding initial difficulty score value increases the newly-increased risk classifications and the initial difficulty point under the newly-increased influence factor
Value；
Wherein, current each corresponding second weight of influence factor and initial second power under the newly-increased trading object
Weight and be less than or equal to 1.
Further, trading object includes the one or more in client, owner and house；Influence factor includes client
Work unit, the nationality of client, the reference information of client, the work unit of owner, the nationality of owner, owner reference letter
Breath, the position in house, the area in house and house the built time in one or more.
The embodiment provides a kind of devices that raising trading efficiency is classified based on trading card, comprising:
Module is obtained, after receiving target transaction list, current each trading object is obtained according to the target transaction list
Corresponding first weight in trading card classification process, and each influence factor under current each trading object is obtained in trading card
Corresponding second weight in classification process；
Matching module, for the either objective risk classifications under each influence factor, according in the target transaction list
Information corresponding with the target risk type matches the corresponding value of difficulty of the target risk type；
Distribution module, for according to corresponding first weight of each trading object, corresponding second weight of each influence factor and
The corresponding value of difficulty of each risk classifications determines target risk grade belonging to the target transaction list, obtains and the target wind
The trading processing personnel that dangerous grade matches, as target transaction treatment people.
The embodiment provides a kind of electronic equipment, comprising:
At least one processor, at least one processor, communication interface and bus；Wherein,
The processor, memory, communication interface complete mutual communication by the bus；
The communication interface is for the information transmission between the electronic equipment and the communication equipment of terminal device；
The memory is stored with the program instruction that can be executed by the processor, and the processor calls described program to refer to
Order is able to carry out method described in any of the above item.
Present embodiments provide a kind of non-transient computer readable storage medium, the non-transient computer readable storage medium
Matter stores computer instruction, and the computer instruction makes the computer execute method described in any of the above item.
The embodiment provides a kind of are classified based on trading card to improve the method and device of trading efficiency, according to connecing
Corresponding first weight of each trading object of the target transaction list and acquisition that receive, corresponding second weight of each influence factor and each
The corresponding value of difficulty of risk classifications calculates risk score.Target transaction list is distributed according to risk score, by risk score height
Trading card distribute to the trading processing personnel of experience abundance, avoid and the high trading card of risk score distributed into experience deficiency
Trading processing personnel caused by influence transaction processing efficiency the problem of.By the meter for carrying out comprehensive score to target transaction list
It calculates, by the risk quantification of target transaction list, convenient for matching the industry that the risk of traffic handing capacity and target transaction list matches
Business treatment people, so that reasonable distribution target transaction list, avoids transaction flow caused by the unreasonable distribution because of trading card from delaying
Or stop, improve transaction processing efficiency.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is this hair
Bright some embodiments for those of ordinary skill in the art without creative efforts, can be with root
Other attached drawings are obtained according to these attached drawings.
Fig. 1 is a kind of process of method that raising trading efficiency is classified based on trading card provided by one embodiment of the present invention
Schematic diagram；
Fig. 2 is each variable relation signal for the risk class for determining trading card that another embodiment of the present invention provides
Figure；
Fig. 3 is the general flow chart of risk class division and system optimization that another embodiment of the present invention provides；
Fig. 4 is the structural frames for the device that raising trading efficiency is classified based on trading card that another embodiment of the present invention provides
Figure；
Fig. 5 is the structural block diagram for the electronic equipment that another embodiment of the present invention provides.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
Fig. 1 shows a kind of process signal that the method for improving trading efficiency is classified based on trading card provided in this embodiment
Figure, referring to Fig. 1, should be classified the method for improving trading efficiency based on trading card includes:
101: after receiving target transaction list, current each trading object being obtained in trading card point according to the target transaction list
Corresponding first weight during grade, and each influence factor under current each trading object is obtained in trading card classification process
Corresponding second weight；
102: to the either objective risk classifications under each influence factor, according to target described in the target transaction Dan Zhongyu
The corresponding information of risk classifications matches the corresponding value of difficulty of the target risk type；
103: according to corresponding first weight of each trading object, corresponding second weight of each influence factor and each risk classifications
Corresponding value of difficulty determines target risk grade belonging to the target transaction list, obtains and the target risk grade phase
The trading processing personnel matched, as target transaction treatment people.
Method provided in this embodiment is executed by server, be can be and is executed by the trading card hierarchy system in server,
It is also possible to by being executed independently of the processing routine except trading card hierarchy system, the present embodiment is not particularly limited this.?
During house prosperity transaction, handles a trading card and be related to more program, if trading card is randomly assigned, the higher transaction of risk
It is singly assigned to the insufficient trading processing personnel of experience and may cause program and be difficult to carry out or stop, influence trading efficiency.In order to
Solve the problems, such as this, method provided in this embodiment carries out risk score to each trading card, according to risk score dispensing transaction
It is single, it realizes the reasonable distribution of trading card, improves transaction processing efficiency.
Fig. 2 is provided in this embodiment for determining each variable relation schematic diagram of the risk class of trading card, referring to figure
2, need to obtain the affiliated area when determining to the trading card progress risk class of the affiliated area for a certain affiliated area
First weight of corresponding each trading object is both needed to each trading object to obtain each influence factor for belonging to the trading object
The second weight, to each influence factor be both needed to obtain belong to the influence factor each risk classifications value of difficulty.For
One affiliated area, each first weight and be less than or equal to 1, under same influence factor, the sum of each second weight is less than or waits
In 1.The value of difficulty of risk classifications is natural number.Trading object includes client, owner and house etc.；Influence factor includes client
Work unit, the nationality of client, the reference information of client, the work unit of owner, the nationality of owner, owner reference letter
Breath, the position in house, the area in house and the built time in house etc..For example, a certain risk classifications under work unit are
Whether company management situation can be verified, if can, corresponding value of difficulty is 2 points, if cannot, it is 5 points.
The determination of risk class, which can be, directly to be determined according to the first weight of acquisition, the second weight and value of difficulty,
It is also possible to carry out operation to the first weight, the second weight and value of difficulty of acquisition, is determined according to operation result.For example,
The relationship between the first weight, the second weight and value of difficulty and risk class obtained has been pre-generated, it is true according to the relationship
Determine risk class.It will be appreciated that can previously according to trading processing personnel professional ability (or length of service) to transaction
Treatment people is classified, and determines trading processing personnel corresponding with each risk class.In dispensing transaction list, handed over according to target
Target transaction list is distributed to trading processing personnel corresponding with target risk grade by target risk grade belonging to Yi Dan.
A kind of method for being classified based on trading card and improving trading efficiency is present embodiments provided, is handed over according to the target received
Yi Dan and corresponding first weight of each trading object of acquisition, corresponding second weight of each influence factor and each risk classifications are corresponding
Value of difficulty calculate risk score.Target transaction list is distributed according to risk score, the high trading card of risk score is distributed
To the trading processing personnel of experience abundance, avoids and the high trading card of risk score is distributed into the insufficient trading processing people of experience
The problem of transaction processing efficiency is influenced caused by member.By carrying out the calculating of comprehensive score to target transaction list, by target transaction
Single risk quantification, convenient for matching the business processing personnel that the risk of traffic handing capacity and target transaction list matches, from
And reasonable distribution target transaction list, it avoids transaction flow caused by the unreasonable distribution because of trading card from delaying or stop, improves
Transaction processing efficiency
Further, on the basis of the above embodiments, described according to corresponding first weight of each trading object, each influence
Corresponding second weight of factor and the corresponding value of difficulty of each risk classifications determine target risk belonging to the target transaction list
Grade, comprising:
It is corresponding according to corresponding first weight of each trading object, corresponding second weight of each influence factor and each risk classifications
Value of difficulty calculate the target transaction list target risk scoring, obtain risk score and risk class mapping relations,
Risk class belonging to the target risk scoring is determined according to the mapping relations, as the target risk grade.
Further, according to formulaCalculate the target risk of the target transaction list
Scoring；
Wherein, S is that the target risk scores, and there are n transaction under the corresponding target attributed region of the target transaction list
Object, corresponding first weight of i-th of trading object are Pi, there are m influence factor, j-th of shadows under i-th of trading object
Corresponding second weight of the factor of sound is qj, there are y risk classifications, the corresponding difficulties of z-th of risk classifications under j-th of influence factor
Degree score value is ajz。
Mapping relations have indicated the corresponding relationship of risk score and risk class, for example, in risk score category in the section A
In A ' risk class.
A kind of method for being classified based on trading card and improving trading efficiency is present embodiments provided, scoring by calculation risk will
The risk quantification of trading card, mapping relations are the foundation that the division of risk class provides, and the calculating of risk score improves risk
The accuracy of grade classification.
Further, on the basis of the various embodiments described above, further includes:
Send target risk scoring, the target risk grade, corresponding first power of each trading object of the target transaction list
Corresponding second weight of weight, each influence factor and the corresponding value of difficulty of risk classifications, and it is anti-to receive the trading processing personnel
The evaluation information of feedback；
The evaluation information collected in preset time period is obtained, according to the evaluation information of collection corresponding to each trading object the
Corresponding second weight of one weight, each influence factor and the corresponding value of difficulty of risk classifications are adjusted；
Wherein, the evaluation information include the target transaction list calculated whether target risk scoring accurate, target
Whether risk class accurate, whether corresponding first weight of each trading object needs to adjust, corresponding second power of each influence factor
Whether weight needs to adjust whether value of difficulty corresponding with risk classifications needs to adjust.
It should be noted that the corresponding trading object of each affiliated area, influence factor and risk classifications may occur
Variation, the first weight, the second weight and value of difficulty are also not permanent set.In order to guarantee to carry out correct wind to trading card
Dangerous grade classification, method provided in this embodiment is according to the evaluation information collected in preset time period to the first weight, the second power
Weight and value of difficulty are adjusted, and guarantee accurately to divide risk class for trading card.
Server comments target risk after the target risk scoring for calculating target transaction list and target risk grade
Point, target risk grade, corresponding first weight of each trading object, corresponding second weight of each influence factor and risk classifications pair
The value of difficulty answered is sent to the terminal of the trading processing personnel of distribution, passes through the terminal for evaluation information by trading processing personnel
Feed back server.After server collects the evaluation information of preset time period (for example, one month), adjusted according to evaluation information each
Corresponding first weight of trading object, corresponding second weight of each influence factor and the corresponding value of difficulty of risk classifications.For example,
The evaluation information of collection can be showed professional by server, after being analyzed by professional, by the first weight adjusted,
Second weight and value of difficulty are sent to server, and server is adjusted.
It will be appreciated that evaluation information can also include calculation risk scoring model used, trading processing personnel suggestion
A certain first weight should be adjusted to how many, a certain second weight and should be adjusted to how many or a certain value of difficulty should to adjust
Whole is how many information.
A kind of method for being classified based on trading card and improving trading efficiency is present embodiments provided, receives what certain time collected
Evaluation information, and according to evaluation information the first weight corresponding to each trading object, corresponding second weight of each influence factor and
The corresponding value of difficulty of risk classifications is adjusted, constantly amendment and improve to trading card be classified as a result, with guarantee just
The division of risk class really is carried out to trading card.
Further, on the basis of the various embodiments described above, it is described receive target transaction list after, according to the target hand over
Yi Dan obtains current each trading object corresponding first weight in trading card classification process, and obtains current each trading object
Under each influence factor in trading card classification process corresponding second weight, comprising:
After receiving target transaction list, the target transaction single pair is determined according to the position in house in the target transaction list
It is corresponding in trading card classification process to obtain current each trading object under the target attributed region for the target attributed region answered
The first weight, and obtain each influence factor under the target attributed region under current each trading object and divide in trading card
Corresponding second weight during grade.
Since different attributed regions (for example, different cities) is possible to correspond to different trading objects, needs to consider
Therefore different influence factors and risk classifications during carrying out risk classifications division to target transaction list, needs first root
The affiliated area that target transaction list is determined according to the house position of transaction, correctly obtained according to affiliated area the first weight and
Second weight guarantees the subsequent correctness for carrying out risk class division.
Certainly, for each affiliated area, the increasing of trading object, influence factor and risk classifications can also neatly be carried out
Operation is revised, realizes one plan of a city, flexible expansion.It is specific as follows:
Further, on the basis of the various embodiments described above,
Further include:
If receiving the first information for increasing trading object under a certain default attributed region newly, newly-increased trading object pair is obtained
Initial first weight answered increases the newly-increased trading object and initial first weight under the default attributed region；
Wherein, current each corresponding first weight of trading object and initial first power under the default attributed region
Weight and be less than or equal to 1.
Further, if the information for deleting certain trading object under a certain default attributed region is received, described pre-
If deleting first weight of the trading object He the trading object under attributed region.
Further, the first weight of a certain trading object is repaired under a certain default attributed region if receiving
Change, then obtain modified first weight, according to modified first weight of acquisition under the default attributed region, to this
First weight of trading object is modified.
Further, on the basis of the various embodiments described above, further includes:
If receiving the second information for increasing influence factor newly under the newly-increased trading object, newly-increased influence factor is obtained
Corresponding initial second weight increases the newly-increased influence factor and initial second power under the newly-increased trading object
Weight；
And/or
If receiving the third information for increasing risk classifications newly under the newly-increased influence factor, newly-increased risk classifications are obtained
Corresponding initial difficulty score value increases the newly-increased risk classifications and the initial difficulty point under the newly-increased influence factor
Value；
Wherein, current each corresponding second weight of influence factor and initial second power under the newly-increased trading object
Weight and be less than or equal to 1.
Further, if the information for deleting a certain influence factor under the newly-increased trading object is received, described
Second weight of the influence factor He the influence factor is deleted under newly-increased trading object.
Further, if receiving the information for modifying the second weight of certain influence factor under the newly-increased trading object,
Modified second weight is then obtained, according to modified second weight of acquisition under the newly-increased trading object, to the shadow
Second weight of the factor of sound is modified.
Further, if the information for deleting a certain risk classifications under the newly-increased influence factor is received, described
The value of difficulty of the risk classifications He the risk classifications is deleted under newly-increased risk classifications.
Further, it modifies under the newly-increased influence factor to the value of difficulty of a certain risk classifications if receiving
Information, then obtain modified value of difficulty, according to the modified value of difficulty of acquisition under the newly-increased influence factor,
Modify the value of difficulty of the risk classifications.
Wherein, initial first weight, initial second weight and initial difficulty score value are artificial defined initial value.
A kind of method for being classified based on trading card and improving trading efficiency is present embodiments provided, the to trading object is passed through
The value of difficulty of one weight, the second weight of influence factor and risk classifications carries out additions and deletions and changes, and realizes according to evaluation information pair
For carrying out the adjustment of the parameter of risk class division, so that the stage division to trading card is in continuous improve and perfect
In.
Further, on the basis of the various embodiments described above, trading object include one in client, owner and house or
Person is multinomial；Influence factor includes the work unit of client, the nationality of client, the reference information of client, the work unit of owner, industry
Main nationality, the reference information of owner, the position in house, the area in house and house the built time in one or it is more
?.
For example, a certain trading object is client, a certain influence factor is work unit under client, under work unit
A certain risk classifications be whether can verify company management situation, then according to the job note of the work unit where the client
Position property assigns different value of difficulty to the risk classifications.When work unit's property is state-owned enterprise, corresponding value of difficulty is 2 points,
When work unit's property is individual enterprise, corresponding value of difficulty is 5 points.
Specifically, Fig. 3 is that risk class provided in this embodiment divides and the general flow chart of system optimization, referring to Fig. 3,
First typing object and weight information, influence factor and weight information, risk classifications and value of difficulty, institute's typing information solution
It releases, then these information are cold-started as initial parameter.It is divided by the risk class to a large amount of trading card and anti-
The evaluation information of feedback is updated the weight of typing.This process not only realizes the division to trading card risk class,
Also risk class partition process is optimized.The above process is illustrated in more detail below, the above process includes:
By Content Management System (CMS) typing object and weight, object includes: client, owner, house etc., every
A object is following, typing influence factor and its weight, the typing risk classifications under each influence factor, has under each risk classifications
The explanation of several value range and corresponding value and value of difficulty.
In cold start-up, the value of the first above-mentioned weight, the second weight and value of difficulty according to initialization, rear extended meeting
According to the feedback of trading adviser and the mode of machine learning, feedback adjustment is done.
After the completion of the above cold start-up, after running a period of time, very more valuable data can be generated, based on these numbers
It is fed back according to trading adviser, adjusts impact factor weight and value of difficulty.
Wherein, during difficulty of matching score value, the structure of each object information is Key-Value form, according to Key
Influence factor in Ergodic Theory after being matched to, compares Value value, finds matched, takes out explanation, the Yi Jinan of value
Spend score.During Feedback Evaluation information, risk is explained, risk classifications return to front end together, while stamping one
Signatures tab indicates that specifically calculating is calculated by which rule, facilitates whether subsequent examination trading adviser feeds back marking
Accurately, and inaccurate reason, facilitate carry out model checking.
Second aspect, Fig. 4 are the structural frames provided in this embodiment for being classified based on trading card and improving the device of trading efficiency
Figure, referring to fig. 4, the device include obtaining module 401, matching module 402 and distribution module 403, wherein
Module 401 is obtained, after receiving target transaction list, current each transaction pair is obtained according to the target transaction list
As the first weight corresponding in trading card classification process, and each influence factor obtained under current each trading object is being traded
Corresponding second weight in single classification process；
Matching module 402, for the either objective risk classifications under each influence factor, according to the target transaction list
In information corresponding with the target risk type, match the corresponding value of difficulty of the target risk type；
Distribution module 403, for according to corresponding first weight of each trading object, corresponding second weight of each influence factor
Value of difficulty corresponding with each risk classifications determines target risk grade belonging to the target transaction list, obtains and the target
The trading processing personnel that risk class matches, as target transaction treatment people.
The device provided in this embodiment that improve trading efficiency that is classified based on trading card is suitable for provided by the above embodiment
The method for improving trading efficiency is classified based on trading card, details are not described herein.
A kind of device for being classified based on trading card and improving trading efficiency is present embodiments provided, is handed over according to the target received
Yi Dan and corresponding first weight of each trading object of acquisition, corresponding second weight of each influence factor and each risk classifications are corresponding
Value of difficulty calculate risk score.Target transaction list is distributed according to risk score, the high trading card of risk score is distributed
To the trading processing personnel of experience abundance, avoids and the high trading card of risk score is distributed into the insufficient trading processing people of experience
The problem of transaction processing efficiency is influenced caused by member.By carrying out the calculating of comprehensive score to target transaction list, by target transaction
Single risk quantification, convenient for matching the business processing personnel that the risk of traffic handing capacity and target transaction list matches, from
And reasonable distribution target transaction list, it avoids transaction flow caused by the unreasonable distribution because of trading card from delaying or stop, improves
Transaction processing efficiency.
The third aspect, Fig. 5 are the structural block diagrams for showing electronic equipment provided in this embodiment.
Referring to Fig. 5, the electronic equipment includes: processor (processor) 501, memory (memory) 502, communication
Interface (Communications Interface) 503 and bus 504；
Wherein,
The processor 501, memory 502, communication interface 503 complete mutual communication by the bus 504；
The communication interface 503 is for the information transmission between the electronic equipment and the communication equipment of terminal device；
The processor 501 is used to call the program instruction in the memory 502, to execute above-mentioned each method embodiment
Provided method, for example, after receiving target transaction list, current each trading object is obtained according to the target transaction list
Corresponding first weight in trading card classification process, and each influence factor under current each trading object is obtained in trading card
Corresponding second weight in classification process；To the either objective risk classifications under each influence factor, according to the target transaction
The corresponding information of target risk type described in Dan Zhongyu matches the corresponding value of difficulty of the target risk type；According to each friendship
Corresponding first weight of easy object, corresponding second weight of each influence factor and the corresponding value of difficulty of each risk classifications determine institute
Target risk grade belonging to target transaction list is stated, the trading processing personnel to match with the target risk grade are obtained, is made
For target transaction treatment people.
The present embodiment provides a kind of non-transient computer readable storage medium, the non-transient computer readable storage medium
Computer instruction is stored, the computer instruction makes the computer execute method provided by above-mentioned each method embodiment, example
It such as include: that current each trading object is obtained according to the target transaction list and was classified in trading card after receiving target transaction list
Corresponding first weight in journey, and each influence factor obtained under current each trading object is corresponding in trading card classification process
The second weight；To the either objective risk classifications under each influence factor, according to target described in the target transaction Dan Zhongyu
The corresponding information of risk classifications matches the corresponding value of difficulty of the target risk type；According to each trading object corresponding
Corresponding second weight of one weight, each influence factor and the corresponding value of difficulty of each risk classifications determine the target transaction list institute
The target risk grade of category obtains the trading processing personnel to match with the target risk grade, as target transaction processing
Personnel.
The present embodiment discloses a kind of computer program product, and the computer program product includes being stored in non-transient calculating
Computer program on machine readable storage medium storing program for executing, the computer program include program instruction, when described program instruction is calculated
When machine executes, computer is able to carry out method provided by above-mentioned each method embodiment, it may for example comprise: receive target transaction
Dan Hou obtains current each trading object corresponding first weight in trading card classification process according to the target transaction list, and
Obtain corresponding second weight in trading card classification process of each influence factor under current each trading object；On each influence
Either objective risk classifications under factor, according to the corresponding information of target risk type described in the target transaction Dan Zhongyu,
With the corresponding value of difficulty of the target risk type；It is corresponding according to corresponding first weight of each trading object, each influence factor
The second weight and the corresponding value of difficulty of each risk classifications determine target risk grade belonging to the target transaction list, obtain
The trading processing personnel to match with the target risk grade, as target transaction treatment people.
Those of ordinary skill in the art will appreciate that: realize that all or part of the steps of above method embodiment can pass through
The relevant hardware of program instruction is completed, and program above-mentioned can be stored in a computer readable storage medium, the program
When being executed, step including the steps of the foregoing method embodiments is executed；And storage medium above-mentioned includes: ROM, RAM, magnetic disk or light
The various media that can store program code such as disk.
The embodiments such as electronic equipment described above are only schematical, wherein it is described as illustrated by the separation member
Unit may or may not be physically separated, and component shown as a unit may or may not be object
Manage unit, it can it is in one place, or may be distributed over multiple network units.It can select according to the actual needs
Some or all of the modules therein is selected to achieve the purpose of the solution of this embodiment.Those of ordinary skill in the art are not paying wound
In the case where the labour for the property made, it can understand and implement.
Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can
It realizes by means of software and necessary general hardware platform, naturally it is also possible to pass through hardware.Based on this understanding, on
Stating technical solution, substantially the part that contributes to existing technology can be embodied in the form of software products in other words, should
Computer software product may be stored in a computer readable storage medium, such as ROM/RAM, magnetic disk, CD, including several fingers
It enables and using so that a computer equipment (can be personal computer, server or the network equipment etc.) executes each implementation
Method described in certain parts of example or embodiment.
Finally, it should be noted that the above various embodiments is only to illustrate the technical solution of the embodiment of the present invention, rather than it is right
It is limited；Although the embodiment of the present invention is described in detail referring to foregoing embodiments, the ordinary skill of this field
Personnel are it is understood that it is still possible to modify the technical solutions described in the foregoing embodiments, or to part
Or all technical features are equivalently replaced；And these are modified or replaceed, it does not separate the essence of the corresponding technical solution
The range of each embodiment technical solution of the embodiment of the present invention.
Claims (10)
1. a kind of be classified the method for improving trading efficiency based on trading card characterized by comprising
After receiving target transaction list, current each trading object is obtained in trading card classification process according to the target transaction list
Corresponding first weight, and each influence factor under current each trading object is obtained corresponding the in trading card classification process
Two weights；
To the either objective risk classifications under each influence factor, according to target risk type described in the target transaction Dan Zhongyu
Corresponding information matches the corresponding value of difficulty of the target risk type；
According to corresponding first weight of each trading object, corresponding second weight of each influence factor and the corresponding difficulty of each risk classifications
Degree score value determines target risk grade belonging to the target transaction list, obtains the transaction to match with the target risk grade
Treatment people, as target transaction treatment people.
2. the method according to claim 1, wherein it is described according to corresponding first weight of each trading object, it is each
Corresponding second weight of influence factor and the corresponding value of difficulty of each risk classifications determine target belonging to the target transaction list
Risk class, comprising:
According to corresponding first weight of each trading object, corresponding second weight of each influence factor and the corresponding difficulty of each risk classifications
Degree score value calculates the target risk scoring of the target transaction list, obtains the mapping relations of risk score and risk class, according to
The mapping relations determine risk class belonging to the target risk scoring, as the target risk grade.
3. according to the method described in claim 2, it is characterized by further comprising:
Send the target risk scoring of the target transaction list, target risk grade, corresponding first weight of each trading object, each
Corresponding second weight of influence factor and the corresponding value of difficulty of risk classifications, and receive commenting for the trading processing personnel feedback
Valence information；
The evaluation information collected in preset time period is obtained, according to the evaluation information of collection the first power corresponding to each trading object
Corresponding second weight of weight, each influence factor and the corresponding value of difficulty of risk classifications are adjusted；
Wherein, the evaluation information include the target transaction list calculated whether target risk scoring accurate, target risk
Whether grade accurate, whether corresponding first weight of each trading object needs to adjust, corresponding second weight of each influence factor is
No needs adjust whether value of difficulty corresponding with risk classifications needs to adjust.
4. the method according to claim 1, wherein it is described receive target transaction list after, according to the target
Trading card obtains current each trading object corresponding first weight in trading card classification process, and obtains current each transaction pair
Each influence factor as under corresponding second weight in trading card classification process, comprising:
After receiving target transaction list, determine that the target transaction list is corresponding according to the position in house in the target transaction list
Target attributed region obtains under the target attributed region current each trading object corresponding the in trading card classification process
One weight, and each influence factor obtained under the target attributed region under current each trading object was classified in trading card
Corresponding second weight in journey.
5. the method according to claim 1, wherein further include:
If receiving the first information for increasing trading object under a certain default attributed region newly, it is corresponding to obtain newly-increased trading object
Initial first weight increases the newly-increased trading object and initial first weight under the default attributed region；
Wherein, current each corresponding first weight of trading object and initial first weight under the default attributed region
Be less than or equal to 1.
6. according to the method described in claim 5, it is characterized by further comprising:
If receiving the second information for increasing influence factor newly under the newly-increased trading object, it is corresponding to obtain newly-increased influence factor
Initial second weight, increase the newly-increased influence factor and initial second weight under the newly-increased trading object；
And/or
If receiving the third information for increasing risk classifications newly under the newly-increased influence factor, it is corresponding to obtain newly-increased risk classifications
Initial difficulty score value, increase the newly-increased risk classifications and the initial difficulty score value under the newly-increased influence factor；
Wherein, current each corresponding second weight of influence factor and initial second weight under the newly-increased trading object
Be less than or equal to 1.
7. the method according to claim 1, wherein trading object includes one in client, owner and house
Or it is multinomial；Influence factor include the work unit of client, the nationality of client, the reference information of client, owner work unit,
The nationality of owner, the reference information of owner, the position in house, the area in house and house the built time in one or it is more
?.
8. a kind of be classified the device for improving trading efficiency based on trading card characterized by comprising
Module is obtained, after receiving target transaction list, current each trading object is obtained according to the target transaction list and is being handed over
Easily corresponding first weight in list classification process, and obtain each influence factor under current each trading object and be classified in trading card
Corresponding second weight in the process；
Matching module, for the either objective risk classifications under each influence factor, according to the target transaction Dan Zhongyu institute
The corresponding information of target risk type is stated, the corresponding value of difficulty of the target risk type is matched；
Distribution module, for according to corresponding first weight of each trading object, corresponding second weight of each influence factor and each wind
The corresponding value of difficulty of dangerous type determines target risk grade belonging to the target transaction list, obtain with the target risk etc.
The trading processing personnel that grade matches, as target transaction treatment people.
9. a kind of electronic equipment characterized by comprising
At least one processor, at least one processor, communication interface and bus；Wherein,
The processor, memory, communication interface complete mutual communication by the bus；
The communication interface is for the information transmission between the electronic equipment and the communication equipment of terminal device；
The memory is stored with the program instruction that can be executed by the processor, and the processor calls described program to instruct energy
Enough execute method as described in any one of claim 1 to 7.
10. a kind of non-transient computer readable storage medium, which is characterized in that the non-transient computer readable storage medium is deposited
Computer instruction is stored up, the computer instruction makes the computer execute method as described in any one of claim 1 to 7.
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Application publication date: 20190910 |