CN110910068A - Method and device for adjusting limit data - Google Patents
Method and device for adjusting limit data Download PDFInfo
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Abstract
The application provides a method and a device for adjusting limit data; the adjustment method of the quota data comprises the following steps: receiving a money sending request sent by a client; wherein the money sending request carries a money sending address; determining theoretical delivery time of the delivery address of the time, and calculating average delivery time of historical delivery addresses; adjusting a preset basic payment amount range according to a comparison result of the theoretical delivery time of the current payment address and the average delivery time of the historical payment addresses to obtain the current payment amount range; wherein if the theoretical delivery time of the present delivery to the delivery address is longer than the average delivery time of the historical delivery to the delivery address, the basic delivery amount range is reduced; and if the theoretical delivery time of the current delivery to the delivery address is less than the average delivery time of the historical delivery to the delivery address, expanding the range of the basic delivery amount.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a method and an apparatus for adjusting quota data.
Background
At present, in order to improve user experience and obtain more users, banks actively develop humanized money delivery service and safely deliver money applied by users to a place designated by the users.
The user can send a money sending request to the bank through a client side such as a mobile phone bank, and after the server carries out identity verification, authority verification and other processing on the money sending request, the staff sends the amount of money applied by the user to a specified place according to money sending information obtained from the server. Since the delivery service is provided with the delivery amount range in consideration of the delivery cost and the like, the amount of money requested by the user must be within the set delivery limit range.
However, the range of the payout amount set in the related art is fixed and completely uniform. Therefore, the upper limit and the lower limit of the payment provided for the user are the same and will not change according to the different payment situations, so that the requirement of the user cannot be well met.
Disclosure of Invention
Based on the defects of the prior art, the invention provides a method and a device for adjusting quota data, which are used for solving the problem that the actual requirements of users cannot be well met by adopting fixed and uniform payment sending amount in the prior art.
In order to achieve the purpose, the invention provides the following technical scheme:
the invention provides a method for adjusting quota data, which comprises the following steps:
receiving a money sending request sent by a client; wherein the money sending request carries a money sending address;
determining theoretical delivery time of the delivery address of the time, and calculating average delivery time of historical delivery addresses;
adjusting a preset basic payment amount range according to a comparison result of the theoretical delivery time of the current payment address and the average delivery time of the historical payment addresses to obtain the current payment amount range;
wherein if the theoretical delivery time of the present delivery to the delivery address is longer than the average delivery time of the historical delivery to the delivery address, the basic delivery amount range is reduced; and if the theoretical delivery time of the current delivery to the delivery address is less than the average delivery time of the historical delivery to the delivery address, expanding the range of the basic delivery amount.
Optionally, in the above method, before the determining a theoretical delivery time of the delivery to the delivery address this time and calculating an average delivery time of the historical deliveries to the delivery address, the method further includes:
determining a plurality of paths which can reach the cash-sending address, and sending the paths which can reach the cash-sending address to the client;
when a path selection instruction fed back by a client is received, determining a path corresponding to the path selection instruction as a target path.
Optionally, in the method, the determining a theoretical delivery time of the current delivery to the delivery address includes:
screening and obtaining the historical delivery time of the historical delivery service which is delivered to the delivery address through the target path in a first preset historical time period from the delivery time of all the historical delivery services;
calculating the average value of the historical delivery time of all the historical delivery services delivered to the delivery address through the target path in the first preset historical time period to obtain the average historical delivery time of the delivery address delivered to the delivery address through the target path in the first preset historical time period;
and calculating the average value of the average historical delivery time and the theoretical time consumption for finishing the target path at present to obtain the theoretical delivery time for delivering the money to the delivery address at this time.
Optionally, in the above method, the calculating an average delivery time of the historical delivery to the delivery address includes:
screening and obtaining the historical delivery time of the historical delivery service which is delivered to the delivery address in a second preset historical time period from the delivery time of all the historical delivery services;
and calculating the average value of the historical delivery time of the historical delivery service delivering to the delivery address in the second preset historical time period to obtain the average delivery time of the historical delivery address in the second preset time period.
Optionally, in the above method, the adjusting a preset basic payment amount range according to a comparison result between the theoretical delivery time of the current delivery to the payment address and the average delivery time of the historical delivery to the payment address to obtain the current payment amount range includes:
dividing the average delivery time of the historical delivery to the delivery address by the theoretical delivery time of the current delivery to the delivery address, substituting the calculation result into a calculation formula of an upper limit adjustment coefficient to calculate an upper limit adjustment coefficient, and substituting the calculation result of dividing the theoretical delivery time of the current delivery to the delivery address by the average delivery time of the historical delivery to the delivery address into a calculation formula of a lower limit adjustment coefficient to calculate a lower limit adjustment coefficient;
wherein, the calculation formula of the upper limit adjustment coefficient is as follows: s-3/4 +1/4 (W/V); the calculation formula of the lower limit adjustment coefficient is as follows: r is 3/4+1/4(V/W), W is the average delivery time of the historical delivery service, and V is the theoretical delivery time of the current delivery address;
multiplying the upper limit amount of the basic payment amount range by the upper limit adjusting coefficient to obtain the upper limit amount of the current payment amount range, and multiplying the lower limit amount of the basic payment amount range by the lower limit adjusting coefficient to obtain the lower limit amount of the current payment amount range.
Another aspect of the present invention provides a device for adjusting credit data, including:
the receiving unit is used for receiving a money sending request sent by a client; wherein the money sending request carries a money sending address;
a first determination unit, configured to determine a theoretical delivery time for delivering the money to the delivery address this time;
a first calculation unit configured to calculate an average delivery time of the past delivery to the delivery address;
an adjusting unit, configured to adjust a preset basic payment amount range according to a comparison result between the theoretical delivery time of the current payment address and the average delivery time of the historical payment addresses, so as to obtain the current payment amount range;
wherein if the theoretical delivery time of the present delivery to the delivery address is longer than the average delivery time of the historical delivery to the delivery address, the basic delivery amount range is reduced; and if the theoretical delivery time of the current delivery to the delivery address is less than the average delivery time of the historical delivery to the delivery address, expanding the range of the basic delivery amount.
Optionally, in the above apparatus, further comprising:
a second determining unit, configured to determine multiple paths that can be sent to the delivery address, and send the multiple paths that can be sent to the delivery address to the client;
and the third determining unit is used for determining the path corresponding to the path selection instruction as the target path when the path selection instruction fed back by the client is received.
Optionally, in the above apparatus, the first determining unit includes:
the first screening unit is used for screening the delivery time of the historical delivery service which is delivered to the delivery address through the target path in a first preset historical time period from the delivery time of all the historical delivery services;
a second calculation unit, configured to calculate an average value of historical delivery times of all historical delivery services for delivering to the delivery address through the target route within a first preset historical time period, and obtain an average historical delivery time for delivering to the delivery address through the target route within the first preset historical time period;
and the third calculating unit is used for calculating the average value of the average historical delivery time and the theoretical time consumption for finishing the target path at present to obtain the theoretical delivery time for delivering the money to the delivery address at this time.
Optionally, in the above apparatus, the first calculating unit includes:
the second screening unit is used for screening the delivery time of the historical delivery service which is delivered to the delivery address in a second preset historical time period from the delivery time of all the historical delivery services;
and the first calculating subunit is used for calculating the average value of the historical delivery time of the historical delivery service delivering to the delivery address in the second preset historical time period to obtain the average delivery time of the historical delivery address in the second preset time period.
Optionally, in the above apparatus, the adjusting unit includes:
a fourth calculation unit configured to calculate an upper limit adjustment coefficient by substituting a calculation result of dividing the average delivery time to the delivery address by the theoretical delivery time to the delivery address this time into a calculation formula of an upper limit adjustment coefficient, and calculate a lower limit adjustment coefficient by substituting a calculation result of dividing the theoretical delivery time to the delivery address this time by the average delivery time to the delivery address history into a calculation formula of a lower limit adjustment coefficient;
wherein, the calculation formula of the upper limit adjustment coefficient is as follows: s-3/4 +1/4 (W/V); the calculation formula of the lower limit adjustment coefficient is as follows: r is 3/4+1/4(V/W), W is the average delivery time of the historical delivery service, and V is the theoretical delivery time of the current delivery address;
and the fifth calculation unit is used for multiplying the upper limit amount of the basic payment amount range by the upper limit adjustment coefficient to obtain the upper limit amount of the current payment amount range, and multiplying the lower limit amount of the basic payment amount range by the lower limit adjustment coefficient to obtain the lower limit amount of the current payment amount range.
The invention provides a limit data adjusting method, which comprises the steps of determining the theoretical delivery time of a current delivery address when receiving a delivery request sent by a client, calculating the average delivery time of a historical delivery address, automatically adjusting a preset basic delivery limit according to the comparison result between the theoretical delivery time of the current delivery address and the average delivery time of the historical delivery address, and automatically reducing the basic delivery amount range when the theoretical delivery time of the current delivery address is greater than the average delivery time of the historical delivery address; and when the theoretical delivery time of the current delivery address is less than the average delivery time of the historical delivery addresses, expanding the range of the basic delivery amount to obtain the range of the current delivery amount. Therefore, the method and the device realize that the range of the payment amount is automatically adjusted according to the relative duration of the delivery time of the payment service, and the range of the payment amount is obtained. The uniform and unchangeable payment sending amount range is not adopted any more, so that the requirements of users are better met.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic flow chart illustrating a method for adjusting quota data according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of another method for adjusting credit data according to an embodiment of the present invention;
FIG. 3 is a schematic flow chart of another method for adjusting credit data according to an embodiment of the present invention;
FIG. 4 is a schematic flow chart illustrating another method for adjusting credit data according to an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of an adjustment apparatus for credit data according to another embodiment of the present invention;
fig. 6 is a schematic structural diagram of a first determining unit according to another embodiment of the present invention;
fig. 7 is a schematic structural diagram of a first computing unit according to another embodiment of the present invention;
fig. 8 is a schematic structural diagram of an adjusting unit according to another embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiment of the invention provides a method for adjusting quota data, which comprises the following steps as shown in figure 1:
s101, receiving a money sending request sent by a client, wherein the money sending request carries a money sending address.
Wherein, the money sending address refers to the place to which the money is sent and is designated by the user.
Specifically, the user may initiate a money delivery service request through a client such as a mobile banking, an internet banking or a self-service device. At this time, the address to which the user requests money to be sent is obtained, that is, the specific sending address of the sending service is obtained.
S102, determining the theoretical delivery time of the current delivery address and calculating the average delivery time of the historical delivery addresses.
Wherein, the delivery time refers to the time taken by the delivery person from the departure to the delivery of the money to the delivery address.
Alternatively, the theoretical time to reach the present delivery address may be the theoretical time from the delivery starting point to the delivery address fed back by the map software, or the theoretical time to reach the present delivery address with money may be estimated from the time taken to reach the delivery address from the same delivery starting point.
The average delivery time of the past delivery destination is an average of the time taken for the delivery service to deliver the past delivery destination. Specifically, each delivery service needs to record a delivery address and corresponding delivery time, so that a plurality of delivery times which are previously delivered to the delivery address can be obtained from the record, and an average value is calculated to obtain the average delivery time of the historical delivery to the delivery address.
S103, adjusting a preset basic payment amount range according to a comparison result of the theoretical delivery time of the current delivery address and the average delivery time of the historical delivery addresses, and obtaining the current payment amount range.
The preset basic payment amount range refers to the upper limit and the lower limit of the uniform payment amount which are set before the payment amount is determined. At this time, unlike the corresponding technique, in the embodiment of the present invention, the basic delivery amount range is not the delivery amount range that is finally provided to the user. In the embodiment of the invention, the preset basic payment amount range is adjusted according to the comparison result of the theoretical delivery time of the current delivery address and the average delivery time of the historical delivery address, so that the payment amount range is obtained. Therefore, the delivery amount range provided to the user in the embodiment of the present invention is obtained by performing corresponding adjustment according to the delivery time of each delivery service delivery address, and is not constant.
Specifically, the longer the theoretical delivery time of the delivery address is, the longer the description distance is, and the greater the cost and risk of the delivery service are. Therefore, when the theoretical delivery time of the present delivery address is longer than the average delivery time of the past delivery addresses, the basic delivery amount range is reduced. Alternatively, the decreasing the range of the basic payout amount may be raising a lower limit of the basic payout amount or lowering an upper limit of the basic payout amount. Of course, the lower limit of the basic payout amount may be increased and the upper limit of the basic payout amount may be decreased.
For example, the shorter the theoretical delivery time of the delivery address, the closer the route is, the smaller the cost and risk of the delivery service, and the larger the number of customers in the lower range of the bank. Therefore, if the theoretical delivery time of the present delivery address is shorter than the average delivery time of the past delivery addresses, the basic delivery amount range is expanded. Also, the range of the basic payout amount may be expanded by lowering the lower limit of the basic payout amount or by raising the upper limit of the basic payout amount. Of course, the lower limit of the basic payment amount may be lowered and the upper limit of the basic payment amount may be raised.
The method for adjusting the quota data provided by the embodiment of the invention sets the range of the basic payment amount under the condition of comprehensively considering the region. When receiving a cash-delivery request sent by a client, automatically adjusting the set basic cash-delivery amount by determining the theoretical delivery time of the current cash-delivery address and calculating the average delivery time of the historical cash-delivery address, and then automatically reducing the basic cash-delivery amount range when the theoretical delivery time of the current cash-delivery address is greater than the average delivery time of the historical cash-delivery address; and when the theoretical delivery time of the current delivery address is less than the average delivery time of the historical delivery addresses, expanding the range of the basic delivery amount to obtain the range of the current delivery amount. Therefore, the method and the device realize that the range of the payment amount is automatically adjusted according to the relative duration of the delivery time of the payment service, and the range of the payment amount is obtained. The uniform and unchangeable payment sending amount range is not adopted any more, so that the requirements of users are better met.
Another embodiment of the present invention provides another method for adjusting credit data, as shown in fig. 2, including:
s201, receiving a money sending request sent by a client, wherein the money sending request carries a money sending address.
It should be noted that, the specific implementation process of step S201 may refer to step S101 in the method embodiment corresponding to fig. 1, and is not described herein again.
S202, determining a plurality of routes of the delivery addresses and sending the routes of the delivery addresses to the client.
Since there are usually multiple routes from the delivery trigger point to the delivery address, the present invention determines multiple routes for the deliverable address and sends the multiple routes to the client for selection by the user.
And S203, when the path selection instruction fed back by the client is received, determining the path corresponding to the path selection instruction as a target path.
The target path is a path for sending money to the money sending address subsequently.
Specifically, after the user selects one of the paths through the client, the client feeds back a path selection instruction. The path selection instruction may carry an identifier of a path selected by the user. When a path selection instruction fed back by the client is received, determining a path corresponding to the path selection instruction as a target path, namely determining the path selected by the user as the target path.
Of course, the selection of the target path by the user is only one of the alternative ways. The path with the shortest arrival time may be determined as the target path by default, or a path with a lower accident rate and a higher safety may be selected as the target path.
S204, determining the theoretical delivery time of the current delivery of the delivery address through the target route, and calculating the average delivery time of the historical delivery addresses.
Optionally, in an embodiment of the present invention, an implementation manner of determining a theoretical time of a theoretical delivery destination of the delivery destination through the target route at this time is as shown in fig. 3, and specifically includes:
s301, the historical delivery time of the historical delivery service for delivering the delivery address through the target path in the first preset historical time period is screened from the delivery time of all the historical delivery services.
The first preset historical time period refers to a historical time period which is far away from the current preset time. For example, the last three months, the last six months, or the last year, etc. Since the availability of the delivery service too long from the current time is low, it is necessary to set a time period to be able to acquire data of the delivery service with a higher reference. Typically, the first preset historical period of time is set to the past 6 months.
Specifically, in the embodiment of the present invention, for each delivery service, a target route of the delivery, a delivery address, and a delivery time are recorded. Therefore, the delivery time of the historical delivery service for delivering the same delivery address through the target route selected by the user in the past 6 months can be screened from the delivery times of all the historical delivery services.
S302, calculating an average value of historical delivery time of the historical delivery service for delivering the delivery address through the target path in the first preset historical time period, and obtaining the average historical delivery time for delivering the delivery address through the target path in the first preset historical time period.
S303, calculating the average value of the average historical delivery time and the theoretical time consumption of the current completed target path to obtain the theoretical delivery time of the current delivery and delivery address.
The current theoretical time consumption for completing the target path refers to the current theoretical time consumption for reaching the end point of the target path from the starting point of the target path through the specified target path. Specifically, the theoretical time consumption for currently completing the target path can be obtained through third-party map software.
Optionally, in an embodiment of the present invention, an implementation manner of calculating an average delivery time of a historical delivery destination, as shown in fig. 4, specifically includes:
s401, the historical delivery time of the historical delivery service of the delivery address in the second preset historical time period is obtained through screening from the delivery time of all the historical delivery services.
Wherein the second preset history time period is defined the same as the first preset history time period. Optionally, the second preset historical time period may be the same as or different from the first preset historical time period.
Since the past delivery time of all the past delivery services delivered to the delivery destination is acquired this time, the history of all the past delivery services that have to deliver money to the delivery destination through any route is not limited to the past delivery time of all the past delivery services that have to pass through the destination route. Since the number of the historical delivery times of the obtained historical delivery service is also relatively large without being limited to passing through the target route, the second preset historical period of time is generally longer than the first preset historical period of time.
S402, calculating the average value of the delivery time of the historical delivery and delivery addresses to obtain the average delivery time of the historical delivery and delivery addresses in a second preset time period.
S205, the calculation result of dividing the average delivery time of the past delivery to the delivery address by the theoretical delivery time of the current delivery address is substituted into the calculation formula of the upper limit adjustment coefficient to calculate the upper limit adjustment coefficient, and the calculation result of dividing the theoretical delivery time of the current delivery address by the average delivery time of the past delivery address is substituted into the calculation formula of the lower limit adjustment coefficient to calculate the lower limit adjustment coefficient.
Wherein, the calculation formula of the upper limit adjustment coefficient is as follows: and S is 3/4+1/4 (W/V). The calculation formula of the lower limit adjustment coefficient is as follows: r is 3/4+1/4(V/W), W is the average delivery time of the historical delivery service, and V is the theoretical delivery time of the current delivery to the delivery address.
That is, in the embodiment of the present invention, after the upper limit adjustment coefficient and the lower limit adjustment coefficient are calculated, the basic payment amount range is adjusted by the upper limit adjustment coefficient and the lower limit adjustment coefficient, instead of directly adjusting the basic payment amount range, so that the basic payment amount range can be accurately adjusted even when the difference between the average delivery time of the historical delivery addresses and the theoretical delivery time of the current delivery address is small.
S206, multiplying the upper limit of the basic payment amount range by the upper limit adjusting coefficient to obtain the upper limit of the current payment amount range, and multiplying the lower limit of the basic payment amount range by the lower limit adjusting coefficient to obtain the lower limit of the current payment amount range.
That is, in the embodiment of the present invention, the basic payment amount range is adjusted by adjusting the upper limit amount of the basic payment amount range and the lower limit amount of the basic payment amount range at the same time, so as to obtain the current payment amount range, i.e., the upper limit amount and the lower limit amount of the current payment amount range.
According to the calculation formula of the upper limit adjustment coefficient and the calculation formula of the lower limit adjustment coefficient, the theoretical delivery time of the current delivery address is larger than the average delivery time of the historical delivery addresses, the upper limit adjustment coefficient is smaller, and therefore the calculated upper limit amount of the current delivery amount range is smaller; correspondingly, the larger the lower limit adjustment coefficient is, the larger the lower limit amount of the current payment amount range is calculated to be. Thereby reducing the range of basic payment amount. In the same way, the range of the basic payment amount can be enlarged on the contrary.
Another embodiment of the present invention provides an adjustment apparatus for credit data, as shown in fig. 5, including:
the receiving unit 501 is configured to receive a cash dispensing request sent by a client. Wherein the cash transfer request carries a cash transfer address.
It should be noted that, the specific working process of the receiving unit 501 may refer to the specific implementation process of step S101 in the foregoing method embodiment, and details are not described here.
A first determining unit 502, configured to determine a theoretical delivery time of the current delivery address.
It should be noted that, the specific working process of the first determining unit 502 may refer to the specific implementation process of step S102 in the foregoing method embodiment, and is not described herein again.
A first calculation unit 503 for calculating an average delivery time of the historical delivery addresses.
It should be noted that, the specific working process of the first calculating unit 503 may refer to the specific implementation process of step S102 in the foregoing method embodiment, and is not described herein again.
An adjusting unit 504, configured to adjust a preset basic delivery amount range according to a comparison result between a theoretical delivery time of the current delivery address and an average delivery time of the historical delivery addresses, to obtain the current delivery amount range.
Wherein if the theoretical delivery time of the present delivery address is longer than the average delivery time of the historical delivery addresses, the basic delivery amount range is reduced. If the theoretical delivery time of the current delivery address is less than the average delivery time of the historical delivery addresses, the range of the basic delivery amount is expanded.
It should be noted that, the specific working process of the adjusting unit 504 may refer to the specific implementation process of step S103 in the foregoing method embodiment, and is not described herein again.
Optionally, in another embodiment of the present invention, the device for adjusting credit line data further includes:
and the second determining unit is used for determining a plurality of routes of the delivery addresses and sending the routes of the delivery addresses to the client.
And the third determining unit is used for determining the path corresponding to the path selection instruction as the target path when the path selection instruction fed back by the client is received.
It should be noted that, for the specific working processes of the second determining unit and the third determining unit, reference may be made to the specific implementation processes of step S202 and step S2003 in the foregoing method embodiment, and details are not described here again.
Optionally, in another embodiment of the present invention, the first determining unit 502, as shown in fig. 6, includes:
a first filtering unit 601, configured to filter the delivery time of the historical delivery service for obtaining the delivery address through the target route in the first preset historical time period from the delivery time of all the historical delivery services.
It should be noted that, the specific working process of the first screening unit 601 may refer to the specific implementation process of step S301 in the foregoing method embodiment, and details are not described here.
A second calculating unit 602, configured to calculate an average value of historical delivery times of all historical delivery services for delivering the delivery address through the target route in the first preset historical time period, and obtain an average historical delivery time for delivering the delivery address through the target route in the first preset historical time period.
It should be noted that, the specific working process of the second calculating unit 602 may refer to the specific implementation process of step S302 in the foregoing method embodiment, and details are not described here.
A third calculating unit 603, configured to calculate an average value of the average historical delivery time and the theoretical time consumption of the current completed target path, to obtain a theoretical delivery time of the current delivery and payment address.
It should be noted that, the specific working process of the third calculating unit 603 may refer to the specific implementation process of step S303 in the foregoing method embodiment, and details are not described here.
Optionally, in another embodiment of the present invention, the first calculating unit 503, as shown in fig. 7, includes:
a second filtering unit 701 configured to filter the delivery time of the historical delivery service for which the delivery address is delivered within a second preset historical time period from the delivery times of all the historical delivery services.
It should be noted that, the specific working process of the second screening unit 701 may refer to the specific implementation process of step S401 in the foregoing method embodiment, and details are not described here.
A first calculating subunit 702, configured to calculate an average value of historical delivery times of the historical delivery service of the delivery address in a second preset historical time period, to obtain an average delivery time of the historical delivery address in the second preset time period.
It should be noted that, the specific working process of the first calculating subunit 702 may refer to the specific implementation process of the step S402 in the foregoing method embodiment, and details are not described here.
Optionally, in another embodiment of the present invention, the adjusting unit 504, as shown in fig. 8, includes:
a fourth calculating unit 801, configured to calculate an upper limit adjustment coefficient by substituting a calculation result of dividing the average delivery time of the past delivery address by the theoretical delivery time of the present delivery address into a calculation formula of the upper limit adjustment coefficient, and calculate a lower limit adjustment coefficient by substituting a calculation result of dividing the theoretical delivery time of the present delivery address by the average delivery time of the past delivery address into a calculation formula of the lower limit adjustment coefficient.
Wherein, the calculation formula of the upper limit adjustment coefficient is as follows: s-3/4 +1/4 (W/V); the calculation formula of the lower limit adjustment coefficient is as follows: r is 3/4+1/4(V/W), W is the average delivery time of the historical delivery service, and V is the theoretical delivery time of the present delivery address.
It should be noted that, the specific working process of the fourth calculating unit 801 may refer to the specific implementation process of step S205 in the foregoing method embodiment, and details are not described here again.
A fifth calculating unit 802, configured to multiply the upper limit amount of the basic payment amount range with the upper limit adjustment coefficient to obtain the upper limit amount of the current payment amount range, and multiply the lower limit amount of the basic payment amount range with the lower limit adjustment coefficient to obtain the lower limit amount of the current payment amount range.
It should be noted that, the specific working process of the fifth calculating unit 802 may refer to the specific implementation process of the step S206 in the foregoing method embodiment, and details are not described here.
The adjusting device of the amount data provided by the embodiment of the invention sets the range of the basic payment amount under the condition of comprehensively considering the region. When a receiving unit receives a money sending request sent by a client, determining the theoretical delivery time of the current delivery address through a first determining unit, calculating the average delivery time of a historical delivery address through a first calculating unit, then automatically adjusting the set basic delivery amount through an adjusting unit according to the comparison result between the theoretical delivery time of the current delivery address and the average delivery time of the historical delivery address, and automatically reducing the basic delivery amount range when the theoretical delivery time of the current delivery address is greater than the average delivery time of the historical delivery address; and when the theoretical delivery time of the current delivery address is less than the average delivery time of the historical delivery addresses, expanding the range of the basic delivery amount to obtain the range of the current delivery amount. Therefore, the method and the device realize that the range of the payment amount is automatically adjusted according to the relative duration of the delivery time of the payment service, and the range of the payment amount is obtained. The uniform and unchangeable payment sending amount range is not adopted any more, so that the requirements of users are better met.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method for adjusting quota data is characterized by comprising the following steps:
receiving a money sending request sent by a client; wherein the money sending request carries a money sending address;
determining theoretical delivery time of the delivery address of the time, and calculating average delivery time of historical delivery addresses;
adjusting a preset basic payment amount range according to a comparison result of the theoretical delivery time of the current payment address and the average delivery time of the historical payment addresses to obtain the current payment amount range;
wherein if the theoretical delivery time of the present delivery to the delivery address is longer than the average delivery time of the historical delivery to the delivery address, the basic delivery amount range is reduced; and if the theoretical delivery time of the current delivery to the delivery address is less than the average delivery time of the historical delivery to the delivery address, expanding the range of the basic delivery amount.
2. The method of claim 1, wherein prior to determining a theoretical delivery time for the present delivery to the delivery address and calculating an average delivery time for historical deliveries to the delivery address, further comprising:
determining a plurality of paths which can reach the cash-sending address, and sending the paths which can reach the cash-sending address to the client;
when a path selection instruction fed back by a client is received, determining a path corresponding to the path selection instruction as a target path.
3. The method of claim 2, wherein determining a theoretical delivery time for the current delivery to the delivery address comprises:
screening and obtaining the historical delivery time of the historical delivery service which is delivered to the delivery address through the target path in a first preset historical time period from the delivery time of all the historical delivery services;
calculating the average value of the historical delivery time of all the historical delivery services delivered to the delivery address through the target path in the first preset historical time period to obtain the average historical delivery time of the delivery address delivered to the delivery address through the target path in the first preset historical time period;
and calculating the average value of the average historical delivery time and the theoretical time consumption for finishing the target path at present to obtain the theoretical delivery time for delivering the money to the delivery address at this time.
4. The method of claim 1, wherein calculating an average delivery time for historical deliveries to the delivery address comprises:
screening and obtaining the historical delivery time of the historical delivery service which is delivered to the delivery address in a second preset historical time period from the delivery time of all the historical delivery services;
and calculating the average value of the historical delivery time of the historical delivery service delivering to the delivery address in the second preset historical time period to obtain the average delivery time of the historical delivery address in the second preset time period.
5. The method according to claim 1, wherein the adjusting a preset basic payment amount range according to the comparison result between the theoretical delivery time of the current delivery to the delivery address and the average delivery time of the historical delivery to the delivery address to obtain the current payment amount range comprises:
dividing the average delivery time of the historical delivery to the delivery address by the theoretical delivery time of the current delivery to the delivery address, substituting the calculation result into a calculation formula of an upper limit adjustment coefficient to calculate an upper limit adjustment coefficient, and substituting the calculation result of dividing the theoretical delivery time of the current delivery to the delivery address by the average delivery time of the historical delivery to the delivery address into a calculation formula of a lower limit adjustment coefficient to calculate a lower limit adjustment coefficient;
wherein, the calculation formula of the upper limit adjustment coefficient is as follows: s-3/4 +1/4 (W/V); the calculation formula of the lower limit adjustment coefficient is as follows: r is 3/4+1/4(V/W), W is the average delivery time of the historical delivery service, and V is the theoretical delivery time of the current delivery address;
multiplying the upper limit amount of the basic payment amount range by the upper limit adjusting coefficient to obtain the upper limit amount of the current payment amount range, and multiplying the lower limit amount of the basic payment amount range by the lower limit adjusting coefficient to obtain the lower limit amount of the current payment amount range.
6. An adjustment device for credit data, comprising:
the receiving unit is used for receiving a money sending request sent by a client; wherein the money sending request carries a money sending address;
a first determination unit, configured to determine a theoretical delivery time for delivering the money to the delivery address this time;
a first calculation unit configured to calculate an average delivery time of the past delivery to the delivery address;
an adjusting unit, configured to adjust a preset basic payment amount range according to a comparison result between the theoretical delivery time of the current payment address and the average delivery time of the historical payment addresses, so as to obtain the current payment amount range;
wherein if the theoretical delivery time of the present delivery to the delivery address is longer than the average delivery time of the historical delivery to the delivery address, the basic delivery amount range is reduced; and if the theoretical delivery time of the current delivery to the delivery address is less than the average delivery time of the historical delivery to the delivery address, expanding the range of the basic delivery amount.
7. The apparatus of claim 6, further comprising:
a second determining unit, configured to determine multiple paths that can be sent to the delivery address, and send the multiple paths that can be sent to the delivery address to the client;
and the third determining unit is used for determining the path corresponding to the path selection instruction as the target path when the path selection instruction fed back by the client is received.
8. The apparatus of claim 7, wherein the first determining unit comprises:
the first screening unit is used for screening the delivery time of the historical delivery service which is delivered to the delivery address through the target path in a first preset historical time period from the delivery time of all the historical delivery services;
a second calculation unit, configured to calculate an average value of historical delivery times of all historical delivery services for delivering to the delivery address through the target route within a first preset historical time period, and obtain an average historical delivery time for delivering to the delivery address through the target route within the first preset historical time period;
and the third calculating unit is used for calculating the average value of the average historical delivery time and the theoretical time consumption for finishing the target path at present to obtain the theoretical delivery time for delivering the money to the delivery address at this time.
9. The apparatus of claim 6, wherein the first computing unit comprises:
the second screening unit is used for screening the delivery time of the historical delivery service which is delivered to the delivery address in a second preset historical time period from the delivery time of all the historical delivery services;
and the first calculating subunit is used for calculating the average value of the historical delivery time of the historical delivery service delivering to the delivery address in the second preset historical time period to obtain the average delivery time of the historical delivery address in the second preset time period.
10. The apparatus of claim 6, wherein the adjusting unit comprises:
a fourth calculation unit configured to calculate an upper limit adjustment coefficient by substituting a calculation result of dividing the average delivery time to the delivery address by the theoretical delivery time to the delivery address this time into a calculation formula of an upper limit adjustment coefficient, and calculate a lower limit adjustment coefficient by substituting a calculation result of dividing the theoretical delivery time to the delivery address this time by the average delivery time to the delivery address history into a calculation formula of a lower limit adjustment coefficient;
wherein, the calculation formula of the upper limit adjustment coefficient is as follows: s-3/4 +1/4 (W/V); the calculation formula of the lower limit adjustment coefficient is as follows: r is 3/4+1/4(V/W), W is the average delivery time of the historical delivery service, and V is the theoretical delivery time of the current delivery address;
and the fifth calculation unit is used for multiplying the upper limit amount of the basic payment amount range by the upper limit adjustment coefficient to obtain the upper limit amount of the current payment amount range, and multiplying the lower limit amount of the basic payment amount range by the lower limit adjustment coefficient to obtain the lower limit amount of the current payment amount range.
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| CN112150734A (en) * | 2020-09-27 | 2020-12-29 | 中国银行股份有限公司 | Self-service equipment transaction limit processing method, device and system and computer equipment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112150734A (en) * | 2020-09-27 | 2020-12-29 | 中国银行股份有限公司 | Self-service equipment transaction limit processing method, device and system and computer equipment |
| CN112150734B (en) * | 2020-09-27 | 2022-05-27 | 中国银行股份有限公司 | Self-service equipment transaction limit processing method, device and system and computer equipment |
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