CN110349001A - Financial service comes operated control method, device and electronic equipment - Google Patents
Financial service comes operated control method, device and electronic equipment Download PDFInfo
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- CN110349001A CN110349001A CN201910581501.6A CN201910581501A CN110349001A CN 110349001 A CN110349001 A CN 110349001A CN 201910581501 A CN201910581501 A CN 201910581501A CN 110349001 A CN110349001 A CN 110349001A
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- 238000012545 processing Methods 0.000 claims description 14
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Classifications
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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
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a kind of financial services to come operated control method, device, electronic equipment and computer readable storage medium, wherein, method includes: the user for proposing financial service request, analyzes multiple financial service sources according to user property and successfully provides the feasibility of financial service；Based on the analysis results, at least one financial service source is selected to provide financial service for user.When there are the financial service demand of user, analyzing financial service source according to the attribute of user first is that user successfully provides the feasibility of service, when there are more financial service source, the higher financial service source of feasibility can be then selected based on the analysis results, provide financial service that is more stable, having higher success rate for user.
Description
Technical field
The present invention relates to computer information processing fields, come operated control method, dress in particular to a kind of financial service
It sets, electronic equipment and computer-readable medium.
Background technique
Internet finance refers to that conventional banking facilities and Internet enterprises are real using Internet technology and Information and Communication Technology
The Novel finical business model of existing financing, payment, investment and intermediary information service.
In current internet financial field, the development of financial service be unable to do without the silver of Internet company and collaboration
Row etc. provides the finance service of specific service content, the finance service's number usually cooperated due to every Internet company
Measure more, therefore, in customer demand financial service, which finance service, family Internet company selects provide for client
Service just becomes the project for needing to study.
Summary of the invention
It is a primary object of the present invention to provide a kind of financial service and come operated control method, device, electronic equipment and calculating
Machine readable medium, it is intended to select finance service for Internet company to provide service for user.
To achieve the above object, the present invention provides a kind of financial services to carry out operated control method, comprising: for proposing finance
The user of service request, according to user property analyze that multiple financial service sources successfully provide the financial service can stroke
Degree；Based on the analysis results, at least one described financial service source is selected to provide the financial service for the user.
To achieve the above object, the present invention provides a kind of financial services to carry out source control device, comprising: feasible analysis mould
Block analyzes multiple financial service sources according to user property and successfully provides the gold for proposing the user of financial service request
Melt the feasibility of service；Selecting module selects at least one described financial service source to come for the use based on the analysis results
Family provides the financial service.
To achieve the above object, the present invention provides a kind of electronic equipment, comprising: processor；And storage computer can
The memory executed instruction, the computer executable instructions execute the processor according to side above-mentioned
Method.
To achieve the above object, the present invention provides a kind of computer readable storage medium, the computer-readable storages
Media storage one or more program realizes method above-mentioned when one or more of programs are executed by processor.
According to above technical scheme, it is known that financial service comes operated control method, device, electronic equipment and computer-readable Jie
Matter has at least the following advantages:
According to the technique and scheme of the present invention, when there are user demand financial service, divided first according to the attribute of user
Analysis financial service source is that user successfully provides the feasibility of service, then can be with when there are more financial service source
The higher financial service source of feasibility is selected based on the analysis results, provides gold that is more stable, having higher success rate for user
Melt service.
Detailed description of the invention
In order to keep technical problem solved by the invention, the technological means of use and the technical effect of acquirement clearer,
Detailed description of the present invention specific embodiment below with reference to accompanying drawings.But it need to state, drawings discussed below is only this
The attached drawing of the exemplary embodiment of invention, to those skilled in the art, without creative efforts,
The attached drawing of other embodiments can be obtained according to these attached drawings.
Fig. 1 is the flow chart that a kind of financial service according to an embodiment of the invention carrys out operated control method；
Fig. 2 is the flow chart that a kind of financial service according to an embodiment of the invention carrys out operated control method；
Fig. 3 is the flow chart that a kind of financial service according to an embodiment of the invention carrys out operated control method；
Fig. 4 is the block diagram that a kind of financial service according to an embodiment of the invention carrys out source control device；
Fig. 5 is the block diagram that a kind of financial service according to an embodiment of the invention carrys out operated control method；
Fig. 6 is the block diagram of a kind of electronic equipment according to an embodiment of the invention；
Fig. 7 is a kind of schematic diagram of computer readable storage medium according to an embodiment of the invention.
Specific embodiment
Exemplary embodiment of the present invention is more fully described with reference to the drawings, although each exemplary embodiment
Can by it is a variety of it is specific in a manner of implement, but be not understood that the invention be limited to embodiment set forth herein.On the contrary, providing this
A little exemplary embodiments are easily facilitated inventive concept being comprehensively communicated to ability to keep the contents of the present invention more complete
The technical staff in domain.
Under the premise of meeting technical concept of the invention, the properity described in some specific embodiment, effect
Fruit or other features can be integrated in any suitable manner in one or more other embodiments.
During the introduction for specific embodiment, the datail description to properity, effect or other features is
In order to enable those skilled in the art to fully understand embodiment.But, it is not excluded that those skilled in the art can be
Under specific condition, implement the present invention not contain the technical solution of above structure, performance, effect or other features.
Flow chart in attached drawing is only a kind of illustrative process demonstration, and not representing must include stream in the solution of the present invention
All contents, operation and step in journey figure, also not representing must execute according to sequence shown in figure.For example, stream
Operation/the step having in journey figure can decompose, and some operation/steps can merge or part merges, etc., not depart from this hair
In the case where bright inventive concept, the execution sequence shown in flow chart can change according to the actual situation.
What the block diagram in attached drawing typicallyed represent is functional entity, might not be necessarily opposite with physically separate entity
It answers.I.e., it is possible to realize these functional entitys using software form, or in one or more hardware modules or integrated circuit in fact
These existing functional entitys, or these functions reality is realized in heterogeneous networks and/or processor device and/or microcontroller device
Body.
Respectively the same reference numbers in the drawings refer to same or similar element, component or parts, thus hereinafter may
It is omitted to same or similar element, component or partial repeated description.Although should also be understood that may use the herein
One, the attribute of the expressions such as second, third number describes various devices, element, component or part, but these devices, element,
Component or part should not be limited by these attributes.That is, these attributes are intended merely to distinguish one and another one.Example
Such as, the first device is also referred to as the second device, but without departing from the technical solution of essence of the invention.In addition, term "and/or",
" and/or " refer to all combinations including any one or more in listed project.
As shown in Figure 1, the present invention provides a kind of financial services to carry out operated control method, comprising:
Step S110 analyzes multiple financial service sources according to user property for proposing the user of financial service request
Success provides the feasibility of financial service.
In the present embodiment, the form in financial service source is not limited, for example, it can be the finance clothes such as bank
Be engaged in mechanism.In the present embodiment, the type of financial service is not limited, for example, it may be the mechanisms such as bank are mentioned to user
For the service such as loaning bill.In the present embodiment, user property is not limited, for example, it may be whether user is in financial clothes
The blacklist in business source, if it is on blacklist, financial service source can not provide financial service, and example for user
Such as, it can be age of user, financial service source only provides financial service to the user that the age is more than 18 years old or more.
Step S120 selects at least one financial service source to provide financial service for user based on the analysis results.
According to the technical solution of the present embodiment, when there are user demand financial service, first according to the attribute of user come
Analysis financial service source is that user successfully provides the feasibility of service, when there are more financial service source, then may be used
To select the higher financial service source of feasibility based on the analysis results, for user provide it is more stable, have higher success rate
Financial service.
As shown in Fig. 2, the present invention provides a kind of financial services to carry out operated control method, comprising:
Step S210, for proposing the user of financial service request, from the contact method of user, identity information, geographical position
It sets and/or network address, identifies the region where user.
In the present embodiment, for financial service, partial region property financial service source to the restricted condition of client region,
To guarantee that financial service is normally carried out, need to identify the region where user, so that financial service requires region and uses
Region where family is consistent.
Obtain the concrete mode of user's regional information are as follows:
(1) identification card number: the first second represent province, the three or four represent city, the five or six represent county.For gold
Melt service, can judge whether to support whether user region -> whether support XX save -> supports the city XX -> whether prop up by identification card number
Hold the county XX.
(2) cell-phone number: first 3 represent operator, and 4-7 represent city, if the region of financial service cannot cover the whole city,
Not applicable cell-phone number rule；
(3) identity certificate address: format is the city XX, the XX province area XX XXXX.For financial service, can be lived by support identity card
Whether XX city -> whether support XX county is supported in location -> whether support XX save ->.
(4) identity card licence issuing authority: format is XX branch office, the municipal public security bureau XX.If identity certificate address can be used effectively, then
Licence issuing authority information is not taken.
(5) address LBS: the GPS positioning information of user；
(6) IP address: the IP information of user；
Whether step S220, the corresponding region in detection financial service source and region where user are consistent.
Step S230 is checked when the corresponding region in financial service source is consistent with region where user in current time
Whether each financial service source is in normal operating conditions, analyzes each financial service source according to inspection result and successfully provides finance
The feasibility of service.
In the present embodiment, it may determine that whether financial service source is in normal operating conditions first, work as financial service
When source can not work normally, then obviously service can not be provided for user.
It specifically includes:
(1) judge whether current time belongs to the shut-in time in financial service source, finance clothes are determined according to judging result
Whether business source is in normal operating conditions.
In the present embodiment, for using bank as the financial service source of representative, there is conventional closed-down period: every everyday to cut
Shut-in time, this is relatively stable with time, and financial service source is in service closed state at this time；In the present embodiment, finance clothes
Source be engaged in there is also maintenance closed-down period, when safeguarding such as banking system, is similarly in service closed state.
(2) it calculates financial service source and the success rate of multiple financial service is provided within a preset time, according to calculated result
Determine whether financial service source is in normal operating conditions.
In the present embodiment, the length of preset time is not limited, such as can be half an hour or one hour.At this
In embodiment, for example, the service request as half an hour is distributed to the financial service source in the past looked into certain amount, and success rate
Lower than certain percentage, then it is abnormal to judge that financial service source exists, at this time can be the financial service origin marking exception shape
State indicates that the financial service source is in abnormal operating state, can not provide financial service.
In the present embodiment, except checking whether be in normal operating conditions in each financial service source of current time, according to inspection
It looks into each financial service source of interpretation of result and the feasibility of financial service is successfully provided, another mode is also provided:
It checks whether financial service source is supported to provide financial service in current time, finance clothes is analyzed according to inspection result
Business source successfully provides the feasibility of financial service.
In the present embodiment, this is because for financial service source, such as bank, usually provided in stipulated time section
Financial service is (for example, as which daily available period；Which day can be used weekly；Monthly which day can be used；One finance clothes
Business source can configure multiple periods), it, can to analyze therefore, it is necessary to be currently able to provide financial service according to financial service source
Row.
Step S240, the Financial Attribute data for providing financial service for comparing financial service source and user are to finance
Whether the Financial Attribute data requirements of service matches.
In the present embodiment, the service form (product form) that financial service source provides usually relatively is fixed, and therefore, is needed
Compare financial service source and provides whether the Financial Attribute data serviced match with the demand of user.In the present embodiment, right
The type of Financial Attribute data is not limited, for example, it may be the capital rationing of financial product, mode of repayment, price limitation,
Whether standby credit information decoupling etc..
Step S250 selects at least one financial service source to provide for user based on the analysis results and comparison result
Financial service.
Step S260 selects specified financial service source when non-selected any financial service source provides financial service
Financial service is provided by default Financial Attribute data.
In the present embodiment, financial service source is selected to provide financial service if failed, by the demand for services
The financial service source for routing to configuration of revealing all the details, can configure multiple.Financial service source reveal all the details according to preset Financial Attribute number
It, at this time can not be fully according to user demand, for example, being serviced if it is borrowing money, then the amount of money for service of borrowing money, benefit according to the service of offer
Rate, mode of repayment, payback period are restricted.
According to the technical solution of the present embodiment, is conducive to match best financial service source for user, financial service is provided
Stability promotes user experience, is conducive to safeguard the relationship between financial service source and user.
As shown in figure 3, the present invention provides a kind of financial services to carry out operated control method, comprising:
Step S310, for proposing the user of financial service request, from the contact method of user, identity information, geographical position
It sets and/or network address, identifies the region where user.
Whether step S320, the corresponding region in detection financial service source and region where user are consistent.
Step S330, when the corresponding region in financial service source is consistent with region where user, statistics financial service comes
Source has started to provide the number that multiple financial service does not obtain processing result, or statistics financial service source within a preset time
The ratio of multiple financial service failure is provided within a preset time, successfully provides gold according to analysis of statistical results financial service source
Melt the feasibility of service.
In the present embodiment, financial service can be calculated and overstock threshold values (such as can be 500 or other quantity): when the family
The threshold values that quantity is greater than configuration is overstock in financial service source, preferentially walks other financial service sources；Overstocked SS: 30 minutes
It is initiated before (adjustable), the financial service quantity not returned the result also till now.It is related to counting, it cannot each financial service
Inquire real-time statistics；By the way of using at regular intervals, (half an hour) statistics is primary.
In the present embodiment, financial service failure threshold values (such as can be 15% or other quantity) can be calculated: when this
Family's financial service source failure ratio is greater than the threshold values of configuration, preferentially walks other financial service sources.Failure SS: 30 points
It is taken in clock (adjustable) and takes all service times of result in ratio/30 minute of failure.It is related to counting, it cannot be golden every time
Melt service-seeking real-time statistics；By the way of using at regular intervals, (half an hour) statistics is primary.
Step S340 calculates financial service source and provides the Financial Attribute data generated when financial service, specifically includes:
(1) it calculates when providing financial service by financial service source, financial service source is received to disburse funds or risk
Attribute fund.
In the present embodiment, it when selecting financial service source to provide service, generally requires to mention to financial service source
For paying certain expense, or a certain amount of guarantee fund is stored at financial service source, pay expense or guarantee fund number
It influences selection and uses the priority for entering service source.
(2) risk partiality attribute data when financial service is provided by financial service source is calculated.
In the present embodiment, such as bank's financial service source, different financial service sources to the preference of risk not
Together, so according to the risk and different financial service sources for providing client financial service to the preference of risk, to determine
Surely the priority in different financial service sources is used.
(3) the Financial Attribute data of user when financial service is provided by financial service source are calculated.
In the present embodiment, the Financial Attribute data of user are not limited, such as are serviced for borrowing money, then user's gold
Melting attribute data can be refund interest rate, time limit etc., and different Financial Attribute data are different on influence caused by user security risk, so can
It is more suitable to user to select to provide the different Financial Attribute data that service generates to user according to different financial service sources
Financial service source, for example, providing the loaning bill service lower financial service source of interest rate for user's selection.
Step S350, also according to Financial Attribute data analysis financial service source priority, based on the analysis results with it is excellent
First grade selects at least one financial service source to provide financial service for user.
Step S360 selects specified financial service source when non-selected any financial service source provides financial service
Financial service is provided by default Financial Attribute data.
According to the technical solution of the present embodiment, is conducive to match best financial service source for user, financial service is provided
Stability promotes user experience, is conducive to safeguard the relationship between financial service source and user.
According to the technical solution of the present embodiment, is conducive to match best financial service source for user, financial service is provided
Stability promotes user experience, is conducive to safeguard the relationship between financial service source and user.
It will be understood by those skilled in the art that realizing that all or part of the steps of above-described embodiment is implemented as by data
Manage the program that equipment (including computer) executes, i.e. computer program.It is performed in the computer program, this hair may be implemented
The above method of bright offer.Moreover, the computer program can store in computer readable storage medium, which is situated between
Matter can be the readable storage medium storing program for executing such as disk, CD, ROM, RAM, be also possible to the storage array of multiple storage medium compositions, example
Such as disk or tape storage array.The storage medium is not limited to centralised storage, is also possible to distributed storage, such as
Cloud storage based on cloud computing.
The device of the invention embodiment is described below, which can be used for executing embodiment of the method for the invention.For
Details described in apparatus of the present invention embodiment should be regarded as the supplement for above method embodiment；For in apparatus of the present invention
Undisclosed details in embodiment is referred to above method embodiment to realize.
As shown in figure 4, the present invention provides a kind of financial services to carry out source control device, comprising:
Feasible analysis module 410 takes for proposing the user of financial service request according to the multiple finance of user property analysis
Business source successfully provides the feasibility of financial service.
In the present embodiment, the form in financial service source is not limited, for example, it can be the finance clothes such as bank
Be engaged in mechanism.In the present embodiment, the type of financial service is not limited, for example, it may be the mechanisms such as bank are mentioned to user
For the service such as loaning bill.In the present embodiment, user property is not limited, for example, it may be whether user is in financial clothes
The blacklist in business source, if it is on blacklist, financial service source can not provide financial service, and example for user
Such as, it can be age of user, financial service source only provides financial service to the user that the age is more than 18 years old or more.
Selecting module 420 selects at least one financial service source to provide financial clothes for user based on the analysis results
Business.
According to the technical solution of the present embodiment, when there are user demand financial service, first according to the attribute of user come
Analysis financial service source is that user successfully provides the feasibility of service, when there are more financial service source, then may be used
To select the higher financial service source of feasibility based on the analysis results, for user provide it is more stable, have higher success rate
Financial service.
As shown in figure 5, the present invention provides a kind of financial services to carry out source control device, comprising:
Region detection module 510, for propose financial service request user, from the contact method of user, identity information,
Geographical location and/or network address identify the region where user.
In the present embodiment, for financial service, partial region property financial service source to the restricted condition of client region,
To guarantee that financial service is normally carried out, need to identify the region where user, so that financial service requires region and uses
Region where family is consistent.
Obtain the concrete mode of user's regional information are as follows:
(1) identification card number: the first second represent province, the three or four represent city, the five or six represent county.For gold
Melt service, can judge whether to support whether user region -> whether support XX save -> supports the city XX -> whether prop up by identification card number
Hold the county XX.
(2) cell-phone number: first 3 represent operator, and 4-7 represent city, if the region of financial service cannot cover the whole city,
Not applicable cell-phone number rule；
(3) identity certificate address: format is the city XX, the XX province area XX XXXX.For financial service, can be lived by support identity card
Whether XX city -> whether support XX county is supported in location -> whether support XX save ->.
(4) identity card licence issuing authority: format is XX branch office, the municipal public security bureau XX.If identity certificate address can be used effectively, then
Licence issuing authority information is not taken.
(5) address LBS: the GPS positioning information of user；
(6) IP address: the IP information of user；
Whether region detection module 510, the corresponding region in detection financial service source and region where user are consistent.
Feasible analysis module 520, when the corresponding region in financial service source is consistent with region where user, inspection is being worked as
Whether preceding time each financial service source is in normal operating conditions, analyzes each financial service source according to inspection result and successfully mentions
For the feasibility of financial service.
In the present embodiment, it may determine that whether financial service source is in normal operating conditions first, work as financial service
When source can not work normally, then obviously service can not be provided for user.
It specifically includes:
(1) judge whether current time belongs to the shut-in time in financial service source, finance clothes are determined according to judging result
Whether business source is in normal operating conditions.
In the present embodiment, for using bank as the financial service source of representative, there is conventional closed-down period: every everyday to cut
Shut-in time, this is relatively stable with time, and financial service source is in service closed state at this time；In the present embodiment, finance clothes
Source be engaged in there is also maintenance closed-down period, when safeguarding such as banking system, is similarly in service closed state.
(2) it calculates financial service source and the success rate of multiple financial service is provided within a preset time, according to calculated result
Determine whether financial service source is in normal operating conditions.
In the present embodiment, the length of preset time is not limited, such as can be half an hour or one hour.At this
In embodiment, for example, the service request as half an hour is distributed to the financial service source in the past looked into certain amount, and success rate
Lower than certain percentage, then it is abnormal to judge that financial service source exists, at this time can be the financial service origin marking exception shape
State indicates that the financial service source is in abnormal operating state, can not provide financial service.
In the present embodiment, except checking whether be in normal operating conditions in each financial service source of current time, according to inspection
It looks into each financial service source of interpretation of result and the feasibility of financial service is successfully provided, another mode is also provided:
It checks whether financial service source is supported to provide financial service in current time, finance clothes is analyzed according to inspection result
Business source successfully provides the feasibility of financial service.
In the present embodiment, this is because for financial service source, such as bank, usually provided in stipulated time section
Financial service is (for example, as which daily available period；Which day can be used weekly；Monthly which day can be used；One finance clothes
Business source can configure multiple periods), it, can to analyze therefore, it is necessary to be currently able to provide financial service according to financial service source
Row.
Feasible analysis module 520 compares the Financial Attribute data and use for providing financial service in financial service source
Whether family matches the Financial Attribute data requirements of financial service.
In the present embodiment, the service form (product form) that financial service source provides usually relatively is fixed, and therefore, is needed
Compare financial service source and provides whether the Financial Attribute data serviced match with the demand of user.In the present embodiment, right
The type of Financial Attribute data is not limited, for example, it may be the capital rationing of financial product, mode of repayment, price limitation,
Whether standby credit information decoupling etc..
Selecting module 530 selects at least one financial service source to mention for user based on the analysis results and comparison result
For financial service.
Selecting module 530 selects specified financial service when non-selected any financial service source provides financial service
It presses default Financial Attribute data and financial service is provided in source.
In the present embodiment, financial service source is selected to provide financial service if failed, by the demand for services
The financial service source for routing to configuration of revealing all the details, can configure multiple.Financial service source reveal all the details according to preset Financial Attribute number
It, at this time can not be fully according to user demand, for example, being serviced if it is borrowing money, then the amount of money for service of borrowing money, benefit according to the service of offer
Rate, mode of repayment, payback period are restricted.
According to the technical solution of the present embodiment, is conducive to match best financial service source for user, financial service is provided
Stability promotes user experience, is conducive to safeguard the relationship between financial service source and user.
As shown in figure 5, the present invention provides a kind of financial services to carry out operated control method, comprising:
Region detection module 510, for propose financial service request user, from the contact method of user, identity information,
Geographical location and/or network address identify the region where user.
Whether region detection module 510, the corresponding region in detection financial service source and region where user are consistent.
Feasible analysis module 520, when the corresponding region in financial service source is consistent with region where user, statistics finance
Service source has started to provide the number that multiple financial service does not obtain processing result, or statistics finance clothes within a preset time
Business source provides the ratio of multiple financial service failure within a preset time, according to the success of analysis of statistical results financial service source
The feasibility of financial service is provided.
In the present embodiment, financial service can be calculated and overstock threshold values (such as can be 500 or other quantity): when the family
The threshold values that quantity is greater than configuration is overstock in financial service source, preferentially walks other financial service sources；Overstocked SS: 30 minutes
It is initiated before (adjustable), the financial service quantity not returned the result also till now.It is related to counting, it cannot each financial service
Inquire real-time statistics；By the way of using at regular intervals, (half an hour) statistics is primary.
In the present embodiment, financial service failure threshold values (such as can be 15% or other quantity) can be calculated: when this
Family's financial service source failure ratio is greater than the threshold values of configuration, preferentially walks other financial service sources.Failure SS: 30 points
It is taken in clock (adjustable) and takes all service times of result in ratio/30 minute of failure.It is related to counting, it cannot be golden every time
Melt service-seeking real-time statistics；By the way of using at regular intervals, (half an hour) statistics is primary.
Feasible analysis module 520 calculates financial service source and provides the Financial Attribute data generated when financial service, specifically
Include:
(1) it calculates when providing financial service by financial service source, financial service source is received to disburse funds or risk
Attribute fund.
In the present embodiment, it when selecting financial service source to provide service, generally requires to mention to financial service source
For paying certain expense, or a certain amount of guarantee fund is stored at financial service source, pay expense or guarantee fund number
It influences selection and uses the priority for entering service source.
(2) risk partiality attribute data when financial service is provided by financial service source is calculated.
In the present embodiment, such as bank's financial service source, different financial service sources to the preference of risk not
Together, so according to the risk and different financial service sources for providing client financial service to the preference of risk, to determine
Surely the priority in different financial service sources is used.
(3) the Financial Attribute data of user when financial service is provided by financial service source are calculated.
In the present embodiment, the Financial Attribute data of user are not limited, such as are serviced for borrowing money, then user's gold
Melting attribute data can be refund interest rate, time limit etc., and different Financial Attribute data are different on influence caused by user security risk, so can
It is more suitable to user to select to provide the different Financial Attribute data that service generates to user according to different financial service sources
Financial service source, for example, providing the loaning bill service lower financial service source of interest rate for user's selection.
Selecting module 530, also according to Financial Attribute data analysis financial service source priority, based on the analysis results and
Priority selects at least one financial service source to provide financial service for user.
Selecting module 530 selects specified financial service when non-selected any financial service source provides financial service
It presses default Financial Attribute data and financial service is provided in source.
According to the technical solution of the present embodiment, is conducive to match best financial service source for user, financial service is provided
Stability promotes user experience, is conducive to safeguard the relationship between financial service source and user.
According to the technical solution of the present embodiment, is conducive to match best financial service source for user, financial service is provided
Stability promotes user experience, is conducive to safeguard the relationship between financial service source and user.
It will be understood by those skilled in the art that each module in above-mentioned apparatus embodiment can be distributed in device according to description
In, corresponding change can also be carried out, is distributed in one or more devices different from above-described embodiment.The mould of above-described embodiment
Block can be merged into a module, can also be further split into multiple submodule.
Electronic equipment embodiment of the invention is described below, which can be considered as the method for aforementioned present invention
With the embodiment of the entity form of Installation practice.For details described in electronic equipment embodiment of the present invention, should be regarded as
For the supplement of the above method or Installation practice；It, can be with for the undisclosed details in electronic equipment embodiment of the present invention
It is realized referring to the above method or Installation practice.
Fig. 6 is the structural block diagram of the exemplary embodiment of a kind of electronic equipment according to the present invention.The electronics that Fig. 6 is shown is set
A standby only example, should not function to the embodiment of the present invention and use scope bring any restrictions.
As shown in fig. 6, the electronic equipment 200 of the exemplary embodiment is showed in the form of communications data processing unit.Electricity
The component of sub- equipment 200 can include but is not limited to: at least one processing unit 210, at least one storage unit 220, connection
The buses 230 of different system components (including storage unit 220 and processing unit 210), display unit 240 etc..
Wherein, the storage unit 220 is stored with computer-readable program, can be source program or all reader
Code.Described program can be executed with unit 210 processed, so that the processing unit 210 executes the various embodiments of the present invention
The step of.For example, the processing unit 210 can execute step as shown in Figure 1.
The storage unit 220 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 2201 and/or cache memory unit 2202 can further include read-only memory unit (ROM) 2203.
The storage unit 220 can also include program/utility 2204 with one group of (at least one) program module 2205, this
The program module 2205 of sample includes but is not limited to: operating system, one or more application program, other program modules and journey
It may include the realization of network environment in ordinal number evidence, each of these examples or certain combination.
Bus 230 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 200 can also be with one or more external equipments 300 (such as keyboard, display, the network equipment, indigo plant
Tooth equipment etc.) communication, it enables a user to interact via these external equipments 300 with the electronic equipment 200, and/or make the electricity
Sub- equipment 200 can be communicated with one or more of the other data processing equipment (such as router, modem etc.).This
Kind communication can be carried out by input/output (I/O) interface 250, can also pass through network adapter 260 and one or more
Network (such as local area network (LAN), wide area network (WAN) and/or public network, such as internet) carry out.Network adapter 260 can
To be communicated by bus 230 with other modules of electronic equipment 200.It should be understood that although not shown in the drawings, electronic equipment 200
In other hardware and/or software module can be used, including but not limited to: microcode, device driver, redundant processing unit, outer
Portion's disk drive array, RAID system, tape drive and data backup storage system etc..
Fig. 7 is the schematic diagram of a computer-readable medium embodiment of the invention.As shown in fig. 7, the computer journey
Sequence can store on one or more computer-readable mediums.Computer-readable medium can be readable signal medium or can
Read storage medium.Readable storage medium storing program for executing for example can be but be not limited to the system of electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor,
Device or device, or any above combination.The more specific example (non exhaustive list) of readable storage medium storing program for executing includes: tool
Have the electrical connections of one or more conducting wires, portable disc, hard disk, random access memory (RAM), read-only memory (ROM), can
Erasing programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read only memory (CD-ROM), optical storage
Device, magnetic memory device or above-mentioned any appropriate combination.When the computer program is by one or more data processings
When equipment executes, so that the computer-readable medium can be realized the above method of the invention, it may be assumed that for proposing that financial service is asked
The user asked analyzes multiple financial service sources according to user property and successfully provides the feasibility of the financial service；According to
Analysis is as a result, select at least one described financial service source to provide the financial service for the user.
Through the above description of the embodiments, those skilled in the art it can be readily appreciated that the present invention describe it is exemplary
Embodiment can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to this hair
The technical solution of bright embodiment can be embodied in the form of software products, which can store calculates at one
In the readable storage medium of machine (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions are so that one
Platform data processing equipment (can be personal computer, server or network equipment etc.) executes above-mentioned side according to the present invention
Method.
The computer readable storage medium may include in a base band or the data as the propagation of carrier wave a part are believed
Number, wherein carrying readable program code.The data-signal of this propagation can take various forms, including but not limited to electromagnetism
Signal, optical signal or above-mentioned any appropriate combination.Readable storage medium storing program for executing can also be any other than readable storage medium storing program for executing
Readable medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Person's program in connection.The program code for including on readable storage medium storing program for executing can transmit with any suitable medium, packet
Include but be not limited to wireless, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
In conclusion the present invention can execute method, apparatus, electronic equipment or the computer-readable medium of computer program
To realize.The communications data processing units such as microprocessor or digital signal processor (DSP) can be used in practice to come in fact
Existing some or all functions of the invention.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
It describes in detail bright, it should be understood that the present invention is not inherently related to any certain computer, virtual bench or electronic equipment, various
The present invention also may be implemented in fexible unit.The above is only a specific embodiment of the present invention, is not limited to this hair
Bright, all within the spirits and principles of the present invention, any modification, equivalent substitution, improvement and etc. done should be included in the present invention
Protection scope within.
Claims (10)
1. a kind of financial service carrys out operated control method, which comprises the steps of:
For proposing the user of financial service request, multiple financial service sources is analyzed according to user property, the gold is successfully provided
Melt the feasibility of service；
Based on the analysis results, at least one described financial service source is selected to provide the financial service for the user.
2. according to the method described in claim 1, it is characterized by: analyzing multiple financial service source successes according to user property
The feasibility of the financial service is provided, comprising:
It checks whether be in normal operating conditions in each financial service source of current time, is taken according to each finance of inspection result analysis
Business source successfully provides the feasibility of the financial service.
3. method according to claim 1 or 2, it is characterised in that: inspection financial service described in current time comes
Whether source is in normal operating conditions, comprising:
Judge whether the current time belongs to the shut-in time in the financial service source, the gold is determined according to judging result
Melt whether service source is in normal operating conditions.
4. according to the method in any one of claims 1 to 3, it is characterised in that: inspection gold described in current time
Melt whether service source is in normal operating conditions, comprising:
It calculates the financial service source and the success rate of multiple financial service is provided within a preset time, determined according to calculated result
Whether the financial service source is in normal operating conditions.
5. method according to claim 1 to 4, it is characterised in that: analyze multiple finance according to user property
Service source successfully provides the feasibility of the financial service, comprising:
It checks whether the financial service source is supported to provide the financial service in current time, institute is analyzed according to inspection result
It states financial service source and the feasibility of the financial service is successfully provided.
6. the method according to any one of claims 1 to 5, it is characterised in that: analyze multiple finance according to user property
Service source successfully provides the feasibility of the financial service, comprising:
It counts the financial service source and has started to provide multiple financial service within a preset time and do not obtain processing result
Number, the financial service source according to analysis of statistical results successfully provide the feasibility of the financial service.
7. method according to any one of claim 1 to 6, it is characterised in that: analyze multiple finance according to user property
Service source successfully provides the feasibility of the financial service, comprising:
It counts the financial service source and the ratio of multiple financial service failure is provided within a preset time, according to statistical result point
It analyses the financial service source and the feasibility of the financial service is successfully provided.
8. a kind of financial service carrys out source control device characterized by comprising
Feasible analysis module analyzes multiple financial service sources according to user property for proposing the user of financial service request
Success provides the feasibility of the financial service；
Selecting module selects at least one described financial service source to provide the gold for the user based on the analysis results
Melt service.
9. a kind of electronic equipment, comprising:
Processor；And
The memory of computer executable instructions is stored, the computer executable instructions when executed hold the processor
Row method according to any one of claims 1-7.
10. a kind of computer readable storage medium, wherein the computer-readable recording medium storage one or more program,
When one or more of programs are executed by processor, method of any of claims 1-7 is realized.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910581501.6A CN110349001A (en) | 2019-06-29 | 2019-06-29 | Financial service comes operated control method, device and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910581501.6A CN110349001A (en) | 2019-06-29 | 2019-06-29 | Financial service comes operated control method, device and electronic equipment |
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| CN110349001A true CN110349001A (en) | 2019-10-18 |
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| CN201910581501.6A Pending CN110349001A (en) | 2019-06-29 | 2019-06-29 | Financial service comes operated control method, device and electronic equipment |
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Country or region after: China Address after: Room 1118, No.4, Lane 800, Tongpu Road, Putuo District, Shanghai 200062 Applicant after: SHANGHAI QIYU INFORMATION TECHNOLOGY Co.,Ltd. Address before: 201500 room a1-5962, 58 Fumin Branch Road, Hengsha Township, Chongming District, Shanghai (Shanghai Hengtai Economic Development Zone) Applicant before: SHANGHAI QIYU INFORMATION TECHNOLOGY Co.,Ltd. Country or region before: China |