CN110910069A - Method and device for adjusting limit data - Google Patents
Method and device for adjusting limit data Download PDFInfo
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- CN110910069A CN110910069A CN201911183513.XA CN201911183513A CN110910069A CN 110910069 A CN110910069 A CN 110910069A CN 201911183513 A CN201911183513 A CN 201911183513A CN 110910069 A CN110910069 A CN 110910069A
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- 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
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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
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Abstract
The application provides a method and a device for adjusting quota data, wherein the method comprises the following steps: acquiring a user identifier of a target user; acquiring a plurality of historical adjustment records corresponding to the user identification; wherein the history adjustment record is a record of the target user adjusting the range of the basic payment amount in the past history period; the historical adjustment record comprises an upper limit adjustment record and a lower limit adjustment record; adjusting the upper limit amount of the basic payment amount range according to the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records to obtain the upper limit amount of the payment amount of the target user in the current period, and adjusting the lower limit amount of the basic payment amount range according to the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period. Wherein the adjustment direction is up-regulation or down-regulation.
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 places specified by 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 each user are the same, and different payment ranges are not provided according to different conditions of the users, so that the requirements of different users 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, so as to solve the problem that the prior art can not provide different payment amount ranges for users according to different users, so that the requirements of different users can not be well met.
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:
acquiring a user identifier of a target user;
acquiring a plurality of historical adjustment records corresponding to the user identification; wherein the history adjustment record is a record of the target user adjusting the range of the basic payment amount in the past history period; the historical adjustment record comprises an upper limit adjustment record and a lower limit adjustment record;
adjusting the upper limit amount of the basic payment amount range according to the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records to obtain the upper limit amount of the payment amount of the target user in the current period, and adjusting the lower limit amount of the basic payment amount range according to the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period;
wherein the adjustment direction is up-regulation or down-regulation; the adjustment direction of the upper limit amount of the basic payment amount range is determined by the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records; the adjustment direction of the lower limit amount of the basic payment amount range is determined by the adjustment direction of the lower limit amount adjustment records of the plurality of historical adjustment records.
Optionally, in the foregoing method, after obtaining the user identifier of the target user, the method further includes:
judging whether the target user has adjusted the range of the basic payment sending amount in the current period;
and if the target user is judged not to have adjusted the basic payment amount range in the current period, executing the obtaining of the plurality of historical adjustment records corresponding to the user identification.
Optionally, in the foregoing method, the obtaining a plurality of history adjustment records corresponding to the user identifier includes:
searching out a history adjustment record corresponding to the user identifier from all history adjustment records;
and selecting the historical adjustment records of the historical periods with preset number nearest to the current period from all the historical adjustment records corresponding to the user identification.
Optionally, in the method, the adjusting the upper limit of the basic payment amount range according to the adjustment direction of the upper limit adjustment record of the plurality of historical adjustment records to obtain the upper limit of the payment amount of the target user in the current period includes:
determining the adjustment direction of the upper limit adjustment record of each historical adjustment record;
judging whether the adjustment directions of the upper limit adjustment records of the plurality of historical adjustment records are the same;
if the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records are judged to be the same, adjusting the upper limit coefficient of the basic payment amount range according to the adjustment directions;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the upper limit coefficient and the per-person deposit amount;
and multiplying the upper limit coefficient of the adjusted basic payment amount range with the per-capita deposit amount to obtain the upper limit amount of the payment amount of the target user in the current period.
Optionally, in the method, the adjusting the lower limit amount of the basic payment amount range according to the adjustment direction of the lower limit amount adjustment record of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period includes:
determining the adjustment direction of the lower limit adjustment record of each historical adjustment record;
judging whether the adjustment directions of the lower limit adjustment records of the plurality of historical adjustment records are the same;
if the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records are judged to be the same, adjusting the lower limit coefficient of the basic payment amount range according to the adjustment directions;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the lower limit coefficient and the per-person deposit amount;
and multiplying the lower limit coefficient of the adjusted basic payment amount range with the per-person deposit amount to obtain the lower limit amount of the payment amount of the target user in the current period.
Another aspect of the present invention provides a device for adjusting credit data, including:
the first acquisition unit is used for acquiring a user identifier of a target user;
the second acquisition unit is used for acquiring a plurality of historical adjustment records corresponding to the user identification; wherein the history adjustment record is a record of the target user adjusting the range of the basic payment amount in the past history period; the historical adjustment record comprises an upper limit adjustment record and a lower limit adjustment record;
the upper limit amount adjusting unit is used for adjusting the upper limit amount of the basic payment amount range according to the adjusting direction of the upper limit amount adjusting records of the plurality of historical adjusting records to obtain the upper limit amount of the payment amount of the target user in the current period;
wherein the adjustment direction is up-regulation or down-regulation; the adjustment direction of the upper limit amount of the basic payment amount range is determined by the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records;
a lower limit amount adjusting unit, configured to adjust the lower limit amount of the basic payment amount range according to the adjustment direction of the lower limit amount adjustment record of the multiple historical adjustment records, so as to obtain the lower limit amount of the payment amount of the target user in the current period;
the adjustment direction of the lower limit amount of the basic payment amount range is determined by the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records.
Optionally, in the above apparatus, further comprising:
the first judgment unit is used for judging whether the target user has adjusted the basic payment amount range in the current period;
when the first judging unit judges that the target user does not adjust the basic payment amount range in the current period, the second acquiring unit executes the acquisition of the plurality of historical adjustment records corresponding to the user identification.
Optionally, in the above apparatus, the second obtaining unit includes:
the searching unit is used for searching the historical adjustment records corresponding to the user identification from all the historical adjustment records;
and the selecting unit is used for selecting the historical adjustment records of the historical periods with preset number nearest to the current period from all the historical adjustment records corresponding to the user identification.
Optionally, in the above apparatus, the upper limit amount adjusting unit includes:
the first determining unit is used for determining the adjusting direction of the upper limit adjusting record of each historical adjusting record;
the second judgment unit is used for judging whether the adjustment directions of the upper limit adjustment records of the plurality of historical adjustment records are the same or not;
an upper limit coefficient adjusting unit, configured to adjust an upper limit coefficient of the basic payment amount range according to the adjustment direction when the second determining unit determines that the adjustment directions of the upper limit amount adjustment records of the multiple historical adjustment records are the same;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the upper limit coefficient and the per-person deposit amount;
and the first calculation unit is used for multiplying the upper limit coefficient of the adjusted basic payment amount range with the per-person deposit amount to obtain the upper limit amount of the payment amount of the target user in the current period.
Optionally, in the above apparatus, the lower limit amount adjusting unit includes:
the second determining unit is used for determining the adjusting direction of the lower limit adjusting record of each historical adjusting record;
a third judging unit, configured to judge whether adjustment directions of lower limit adjustment records of the multiple historical adjustment records are the same;
a lower limit coefficient adjusting unit, configured to adjust a lower limit coefficient of the basic payment amount range according to the adjustment direction when the third determining unit determines that the adjustment directions of the lower limit amount adjustment records of the multiple historical adjustment records are the same;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the lower limit coefficient and the per-person deposit amount;
and the second calculation unit is used for multiplying the lower limit coefficient of the adjusted basic payment amount range with the per-person deposit amount to obtain the lower limit amount of the payment amount of the target user in the current period.
According to the method and the device for adjusting the limit data, provided by the invention, a plurality of historical adjustment records corresponding to the user identification are obtained through the user identification of the target user. Then, according to the adjustment direction of the upper limit adjustment records of the plurality of historical adjustment records, the upper limit of the basic payment amount range is adjusted to obtain the upper limit of the payment amount of the target user in the current period, and according to the adjustment direction of the lower limit adjustment records in the plurality of historical adjustment records, the lower limit of the basic payment amount range is adjusted to obtain the lower limit of the payment amount of the target user in the current period. Therefore, the adjustment rule of a plurality of historical adjustment records of the target user is used for automatically adjusting the basic payment amount range for the target user, and the payment amount range of the target user in the current period is obtained. Therefore, the corresponding payment amount range can be provided for the user according to different conditions of the user, and the requirements of different users are well 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 another embodiment of the present invention;
FIG. 3 is a schematic flow chart of another method for adjusting credit data according to another embodiment of the present invention;
FIG. 4 is a schematic flow chart illustrating another method for adjusting credit data according to another 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 second obtaining unit according to another embodiment of the present invention;
FIG. 7 is a schematic structural diagram of an upper limit adjusting unit according to another embodiment of the present invention;
fig. 8 is a schematic structural diagram of a lower limit adjusting unit according to another embodiment of the 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, obtaining a user identification of a target user.
It should be noted that the user identifier is a unique identifier configured for each user in advance. Specifically, the account number of the user may be configured as the user identifier, or the identification number of the user may be configured as the user identifier, or a unique identifier may be additionally allocated to each user.
Wherein the target user is any user who enjoys the money transfer service.
S102, obtaining a plurality of historical adjustment records corresponding to the user identification.
The history adjustment record is a record of the target user adjusting the basic payment amount range in the past history period. The history adjustment record comprises an upper limit adjustment record and a lower limit adjustment record.
It should be noted that, in the embodiment of the present invention, a uniform basic payment amount range is configured in advance. Specifically, the basic payment amount range is an interval formed by an upper limit amount and a lower limit amount of the basic payment amount range. Namely, the upper limit amount and the lower limit amount of the unified basic payment amount range are preset.
However, in the embodiment of the present invention, the user may adjust the upper limit amount and the lower limit amount of the basic payment amount range by sending an application. After receiving the application of the user, the system verifies the user information such as deposit, credit and the like of the user and determines whether the user meets the condition of the amount to be adjusted. If the user meets the condition of the amount to be adjusted, the basic payment sending range can be adjusted according to the adjustment amount applied by the user. However, it is considered that the conditions of the user are not always changed and the situation of the bank itself is changed. The adjustment of the basic payment amount range is provided with an adjustment period, so that when the current period is finished, the user can automatically recover the basic payment amount range after adjusting the basic payment amount range in the current period. In order to avoid the situation that a user with a demand needs to apply for each period, the embodiment of the invention acquires a plurality of historical adjustment records of the user, automatically adjusts the basic sending amount range for the user according to the acquired plurality of historical adjustment records of the user, obtains the sending amount range of the current period, and does not need the user to actively apply.
Optionally, when the user adjusts the basic payment amount range each time, the user identifier of the user is recorded, and information such as the specific adjusted upper limit amount and lower limit amount is recorded, so as to obtain a corresponding historical adjustment record, i.e. obtain a corresponding upper limit amount adjustment record and lower limit amount adjustment record. Therefore, according to the user identifier of the target user, a plurality of history adjustment records corresponding to the user identifier can be obtained.
S103, adjusting the upper limit amount of the basic payment amount range according to the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records to obtain the upper limit amount of the payment amount of the target user in the current period, and adjusting the lower limit amount of the basic payment amount range according to the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period.
Wherein the adjustment direction is up-regulation or down-regulation. The adjustment direction of the upper limit amount of the basic payment amount range is determined by the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records. The adjustment direction of the lower limit amount of the basic payment amount range is determined by the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records. That is to say, specifically, the upper limit amount and the lower limit amount of the basic payment amount range are adjusted up or down, which needs to be determined according to the adjustment directions of the obtained upper limit amount adjustment records of the plurality of historical adjustment records and the adjustment directions of the obtained lower limit amount adjustment records of the plurality of historical adjustment records.
Optionally, a larger proportionality coefficient may be preset, and when the number of the upper limit amount adjustment records of the historical adjustment records in one adjustment direction is equal to or greater than the preset proportionality coefficient in the number of the upper limit amount adjustment records of all the historical adjustment records, the adjustment direction is determined as the adjustment direction of the upper limit amount of the basic payment amount range. Specifically, the adjustment limit of the upper limit of the basic payment amount range may be determined according to the adjustment limit in the upper limit adjustment record of all the historical adjustment records. For example, the adjustment amount of the upper limit amount in the range of the basic payment amount may be determined as the average value of the adjustment amount in the upper limit amount adjustment records of all the history adjustment records.
Similarly, when the number of the upper limit amount adjustment records of the historical adjustment records in one adjustment direction accounts for the number of the lower limit amount adjustment records of all the historical adjustment records and is equal to or larger than a preset proportionality coefficient, the adjustment direction is determined as the adjustment direction of the lower limit amount of the basic payment amount range. Specifically, the adjustment limit of the lower limit of the basic payment amount range may be determined according to the adjustment limit in the lower limit adjustment records of all the historical adjustment records.
It should be noted that, if the number of the upper limit amount adjustment records of the historical adjustment records in the two adjustment directions is smaller than the preset proportionality coefficient in the number of the lower limit amount adjustment records of all the historical adjustment records, the upper limit amount of the basic payment amount range is not adjusted. Similarly, in the same situation, the lower limit of the basic payment amount range is not adjusted. Of course, this is only one of the alternative ways, and other adjustment strategies may be used to adjust the basic value unit range.
The plurality of historical adjustment records can well reflect the adjustment rule of the target user for adjusting the basic payment amount range, so that the payment amount range of the current period obtained after adjustment can well meet the requirement of the target user according to the plurality of historical adjustment records.
According to the method for adjusting the limit data, provided by the embodiment of the invention, a plurality of historical adjustment records corresponding to the user identification are obtained through the user identification of the target user. Then, according to the adjustment direction of the upper limit adjustment records of the plurality of historical adjustment records, the upper limit of the basic payment amount range is adjusted to obtain the upper limit of the payment amount of the target user in the current period, and according to the adjustment direction of the lower limit adjustment records in the plurality of historical adjustment records, the lower limit of the basic payment amount range is adjusted to obtain the lower limit of the payment amount of the target user in the current period. Therefore, the adjustment rule of a plurality of historical adjustment records of the target user is used for automatically adjusting the basic payment amount range for the target user, and the payment amount range of the target user in the current period is obtained. Therefore, the corresponding payment amount range can be provided for the user according to different conditions of the user, and the requirements of different users are well met.
Another embodiment of the present invention provides another method for adjusting credit data, as shown in fig. 2, including:
s201, obtaining a user identification of a target user.
It should be noted that, for the specific implementation of step S201, reference may be made to step S101 in the above method embodiment accordingly.
S202, judging whether the target user has adjusted the range of the basic payment sending amount in the current period.
Since the user adjusts the basic sending amount range, which indicates that the current sending amount range best meets the user's requirements, the target user does not need to adjust the basic sending amount when the target user has adjusted the basic sending amount range in the current period.
Specifically, it may be determined whether the target user has adjusted the range of the basic sending amount in the current period by determining whether there is a history adjustment record for the current period. Therefore, whether the target user adjusts only the upper limit amount or the lower limit amount of the basic payment amount range in the current period or adjusts both the upper limit amount and the lower limit amount of the basic payment amount range, it is determined that the target user has adjusted the basic payment amount range in the current period.
If the step S202 is executed to determine that the target user has not adjusted the basic payment amount range in the current period, the step S203 is executed.
S203, searching the history adjustment record corresponding to the user identification from all the history adjustment records.
S204, selecting the historical adjustment records of the historical periods with preset number, which are nearest to the current period, from all the historical adjustment records corresponding to the user identification.
Because the history adjustment records of the history period too long from the current period do not well reflect the recent requirements of the user. Therefore, in the embodiment of the present invention, the obtained history adjustment record is the history adjustment record of the history period closest to the current period by the preset number. The preset number can be set according to actual requirements and the length of the period. For example, if a period is one year, the historical adjustment records of the past three years most reflect the current requirements of the target user, so the preset number may be set to three.
S205, adjusting the upper limit amount of the basic payment amount range according to the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records to obtain the upper limit amount of the payment amount of the target user in the current period, and adjusting the lower limit amount of the basic payment amount range according to the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period.
Optionally, in another embodiment of the present invention, in step S205, an implementation method for adjusting the upper limit of the basic payment amount range according to the adjustment direction of the upper limit adjustment records of the plurality of historical adjustment records to obtain the upper limit of the payment amount of the target user in the current period is shown in fig. 3, and includes:
s301, determining the adjustment direction of the upper limit adjustment record of each historical adjustment record.
Specifically, when recording the adjustment amount record, if the adjustment direction is up, the adjustment amount may be recorded as a positive number, and if the adjustment direction is down, the adjustment amount may be recorded as a negative number. Therefore, the adjustment direction of the upper limit value unit adjustment record of each historical adjustment record can be determined according to whether the adjustment value unit in the upper limit value unit adjustment record of each historical adjustment record is a positive number or a negative number.
S302, judging whether the adjustment directions of the upper limit adjustment records of the plurality of historical adjustment records are the same.
Because the adjustment directions of the upper limit amount adjustment records of the historical adjustment records of the user in different periods are different, it is difficult to ensure that the user can meet the requirements of the user only if the adjustment of the upper limit amount of the basic money sending amount in the current period needs to be adjusted up or down, and therefore the target user cannot be well prevented from further applying for adjusting the upper limit amount. Therefore, in order to ensure that the upper limit value unit of the adjusted payment amount range more accurately meets the requirements of the user, in the embodiment of the present invention, the upper limit value unit of the basic payment amount range is adjusted only when the adjustment directions of the upper limit value unit adjustment records of all the historical adjustment records that must be obtained are required to be the same.
Therefore, if it is determined in step S302 that the adjustment directions of the upper limit adjustment records of the plurality of history adjustment records are the same, step S303 is executed.
S303, adjusting an upper limit coefficient of the basic payment amount range according to the adjusting direction, wherein the upper limit amount of the basic payment amount range is equal to the product of the upper limit coefficient and the per-person deposit amount.
Specifically, in the embodiment of the present invention, the upper limit amount of the basic payment amount range is equal to the product of the upper limit coefficient and the per-capita deposit amount. Namely, in the embodiment of the invention, the upper limit amount of the basic payment amount range is obtained through the upper limit coefficient of the basic payment amount range. Therefore, the upper limit value unit of the basic payment amount range can be adjusted by adjusting the upper limit coefficient of the basic payment amount range. Of course, this is only one of the alternative ways, and the upper limit value unit of the basic payment amount range can also be directly adjusted.
The adjustment direction of the upper limit coefficient of the basic payment amount range is the same as the adjustment direction of the upper limit amount adjustment record of the acquired historical adjustment record.
Alternatively, the adjustment value of the upper limit coefficient of the range of the basic payment amount can be determined according to the adjustment limit of the historical adjustment record of the historical period. Since the upper limit adjustment record of the history period closer to the current period reflects the current requirement of the user, the influence of the adjustment value of the upper limit adjustment record of the history period closer to the current period on the adjustment value of the upper limit coefficient of the basic payment amount range should be larger.
Therefore, the upper limit coefficient of the range of the basic payment amount after adjustment in each history period can be calculated according to the adjustment amount of the upper limit adjustment record in the history adjustment record in each history period. Then, the adjustment value of the upper limit coefficient of the basic payment amount range is added to the product of the upper limit coefficient of the basic payment amount range adjusted in the history period and the corresponding specific gravity coefficient, so that the upper limit coefficient of the basic payment amount range in the current period is obtained. Wherein, the proportion coefficient is preselectively set, and the closer the historical period is to the current period, the larger the corresponding proportion coefficient is.
For example, when a period is one year, the adjustment limit of the upper limit adjustment record of the last three years is obtained, and the last first year, the last second year and the third year are respectively obtained through calculation, and the upper limit coefficient of the whole basic payment amount range is as follows: f1, F2 and F3. When the adjustment direction is up, the upper limit coefficient of the basic payment amount range is positive, and when the adjustment direction is down, the upper limit coefficient of the basic payment amount range is negative. And the specific gravity coefficients corresponding to this period are 1/4, 1/8 and 1/18, respectively, and the upper limit coefficient of the basic payment amount range of the current period is: f ═ G + F/4+ (F2)/8+ (F3)/16. Wherein G is an upper limit coefficient of the adjusted basic payment amount range.
S304, multiplying the upper limit coefficient of the adjusted basic payment amount range with the per-capita deposit amount to obtain the upper limit amount of the payment amount of the target user in the current period.
Optionally, in another embodiment of the present invention, in step S205, an implementation method for adjusting the lower limit amount of the basic payment amount range according to the adjustment direction of the lower limit amount adjustment records of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period is shown in fig. 4, and includes:
s401, determining the adjustment direction of the lower limit adjustment record of each historical adjustment record.
S402, judging whether the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records are the same.
If it is determined in step S402 that the adjustment directions of the lower limit amount adjustment records of the plurality of history adjustment records are the same, step S403 is performed.
And S403, adjusting a lower limit coefficient of the basic payment amount range according to the adjustment direction, wherein the lower limit amount of the basic payment amount range is equal to the product of the lower limit coefficient and the per-person deposit amount.
S404, multiplying the lower limit coefficient of the adjusted basic payment amount range with the per-person deposit amount to obtain the lower limit amount of the payment amount of the target user in the current period.
The lower limit value unit of the basic payout amount range is adjusted according to the adjustment direction of the lower limit value unit adjustment records of the plurality of history adjustment records, and the same method as the adjustment method of the upper limit value unit of the basic payout amount range can be adopted. Therefore, in the embodiment of the present invention, specific implementation manners of steps S401 to S404 may correspondingly refer to specific implementation processes of steps S301 to S304 in the foregoing method embodiment, and details are not described here again.
Another embodiment of the present invention provides an adjustment apparatus for credit data, as shown in fig. 5, including:
a first obtaining unit 501, configured to obtain a user identifier of a target user.
It should be noted that, the specific working process of the first obtaining unit 501 may refer to step S101 in the foregoing method embodiment accordingly, and details are not described here again.
A second obtaining unit 502, configured to obtain multiple history adjustment records corresponding to the user identifier.
The history adjustment record is a record of the target user adjusting the basic payment amount range in the past history period; the history adjustment record comprises an upper limit adjustment record and a lower limit adjustment record.
It should be noted that, the specific working process of the second obtaining unit 502 may refer to step S103 in the foregoing method embodiment accordingly, and details are not described here again.
The upper limit amount adjusting unit 503 is configured to adjust the upper limit amount of the basic payment amount range according to the adjustment direction of the upper limit amount adjustment records of the plurality of historical adjustment records, so as to obtain the upper limit amount of the payment amount of the target user in the current period.
Wherein the adjustment direction is up-regulation or down-regulation. The adjustment direction of the upper limit amount of the basic payment amount range is determined by the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records.
It should be noted that, the specific working process of the upper limit amount adjusting unit 503 may refer to step S103 in the above method embodiment, which is not described herein again.
A lower limit amount adjusting unit 504, configured to adjust the lower limit amount of the basic payment amount range according to the adjustment direction of the lower limit amount adjustment records of the multiple historical adjustment records, so as to obtain the lower limit amount of the payment amount of the target user in the current period.
The adjustment direction of the lower limit amount of the basic payment amount range is determined by the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records.
It should be noted that, the specific working process of the lower limit value unit 504 may also refer to step S103 in the above method embodiment, which is not described herein again.
Optionally, in another embodiment of the present invention, the device for adjusting credit line data further includes:
and the first judgment unit is used for judging whether the target user has adjusted the basic sending amount range in the current period.
When the first determining unit determines that the target user has not adjusted the range of the basic payment amount in the current period, the second obtaining unit 502 performs obtaining of a plurality of historical adjustment records corresponding to the user identifier.
It should be noted that, the specific working process of the first determining unit may refer to step S202 in the foregoing method embodiment accordingly, and details are not repeated here.
Optionally, in another embodiment of the present invention, as shown in fig. 6, the second obtaining unit 502 includes:
a searching unit 601, configured to search all history adjustment records for a history adjustment record corresponding to the user identifier.
It should be noted that, the specific working process of the searching unit 601 may refer to step S203 in the foregoing method embodiment accordingly, which is not described herein again.
A selecting unit 602, configured to select history adjustment records of a preset number of history periods closest to the current period from all history adjustment records corresponding to the user identifier.
It should be noted that, the specific working process of the selecting unit 602 may refer to step S204 in the foregoing method embodiment accordingly, which is not described herein again.
Optionally, in another embodiment of the present invention, as shown in fig. 7, the upper limit amount adjusting unit 503 includes:
a first determining unit 701, configured to determine an adjustment direction of the upper limit amount adjustment record of each historical adjustment record.
It should be noted that, the specific working process of the first determining unit 701 may refer to step S301 in the foregoing method embodiment accordingly, and details are not repeated here.
The second determining unit 702 is used for determining whether the adjustment directions of the upper limit adjustment records of the plurality of historical adjustment records are the same.
It should be noted that, the specific working process of the second determining unit 702 may refer to step S302 in the foregoing method embodiment accordingly, and is not described herein again.
An upper limit coefficient adjusting unit 703 is configured to adjust the upper limit coefficient of the basic payment amount range according to the adjustment direction when the second determining unit 702 determines that the adjustment directions of the upper limit amount adjustment records of the plurality of history adjustment records are the same.
Wherein, the upper limit amount of the basic payment amount range is equal to the product of the upper limit coefficient and the per-person deposit amount.
It should be noted that, the specific working process of the upper limit coefficient adjusting unit 703 may refer to step S303 in the foregoing method embodiment accordingly, and is not described herein again.
The first calculating unit 704 is configured to multiply the upper limit coefficient of the adjusted basic payment amount range with the per-capita deposit amount to obtain an upper limit amount of the payment amount of the target user in the current period.
It should be noted that, the specific working process of the first calculating unit 704 may refer to step S304 in the foregoing method embodiment accordingly, and is not described herein again.
Optionally, in another embodiment of the present invention, as shown in fig. 8, the lower limit amount adjustment unit 504 includes:
a second determining unit 801, configured to determine an adjustment direction of the lower limit amount adjustment record of each historical adjustment record.
The third determining unit 802 is configured to determine whether adjustment directions of the lower limit adjustment records of the plurality of history adjustment records are the same.
A lower limit coefficient adjusting unit 803, configured to adjust the lower limit coefficient of the basic payment amount range according to the adjustment direction if the third determining unit 802 determines that the adjustment directions of the lower limit amount adjustment records of the plurality of history adjustment records are the same.
Wherein, the upper limit amount of the basic payment amount range is equal to the product of the lower limit coefficient and the per-person deposit amount.
The second calculating unit 804 is configured to multiply the lower limit coefficient of the adjusted basic payment amount range with the per-capita deposit amount to obtain a lower limit amount of the payment amount of the target user in the current period.
It should be noted that the specific working process of the lower limit value unit 504 may be the same as the working process of the upper limit value unit 503, so that the specific working process of the above steps in the embodiment of the present invention may refer to the specific implementation processes of step S301 to step S304 in the above embodiment, and will not be described herein again.
According to the adjusting device for the quota data, provided by the embodiment of the invention, the second obtaining unit obtains a plurality of historical adjusting records corresponding to the user identification through the user identification of the target user obtained by the first obtaining unit. Then, the upper limit adjusting unit adjusts the upper limit of the basic payment amount range according to the adjusting direction of the upper limit adjusting records of the plurality of historical adjusting records to obtain the upper limit of the payment amount of the target user in the current period; and the lower limit adjusting unit adjusts the lower limit of the basic payment amount range according to the adjusting direction of the lower limit adjusting record in the plurality of historical adjusting records to obtain the lower limit of the payment amount of the target user in the current period. Therefore, the adjustment rule of a plurality of historical adjustment records of the target user is used for automatically adjusting the basic payment amount range for the target user, and the payment amount range of the target user in the current period is obtained. Therefore, the corresponding payment amount range can be provided for the user according to different conditions of the user, and the requirements of different users are well 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:
acquiring a user identifier of a target user;
acquiring a plurality of historical adjustment records corresponding to the user identification; wherein the history adjustment record is a record of the target user adjusting the range of the basic payment amount in the past history period; the historical adjustment record comprises an upper limit adjustment record and a lower limit adjustment record;
adjusting the upper limit amount of the basic payment amount range according to the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records to obtain the upper limit amount of the payment amount of the target user in the current period, and adjusting the lower limit amount of the basic payment amount range according to the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period;
wherein the adjustment direction is up-regulation or down-regulation; the adjustment direction of the upper limit amount of the basic payment amount range is determined by the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records; the adjustment direction of the lower limit amount of the basic payment amount range is determined by the adjustment direction of the lower limit amount adjustment records of the plurality of historical adjustment records.
2. The method of claim 1, after obtaining the user identifier of the target user, further comprising:
judging whether the target user has adjusted the range of the basic payment sending amount in the current period;
and if the target user is judged not to have adjusted the basic payment amount range in the current period, executing the obtaining of the plurality of historical adjustment records corresponding to the user identification.
3. The method of claim 1, wherein obtaining a plurality of historical adjustment records corresponding to the user identifier comprises:
searching out a history adjustment record corresponding to the user identifier from all history adjustment records;
and selecting the historical adjustment records of the historical periods with preset number nearest to the current period from all the historical adjustment records corresponding to the user identification.
4. The method as claimed in claim 1, wherein the adjusting the upper limit value unit of the basic payment amount range according to the adjustment direction of the upper limit value unit adjustment records of the plurality of historical adjustment records to obtain the upper limit value unit of the payment amount unit of the target user in the current period comprises:
determining the adjustment direction of the upper limit adjustment record of each historical adjustment record;
judging whether the adjustment directions of the upper limit adjustment records of the plurality of historical adjustment records are the same;
if the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records are judged to be the same, adjusting the upper limit coefficient of the basic payment amount range according to the adjustment directions;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the upper limit coefficient and the per-person deposit amount;
and multiplying the upper limit coefficient of the adjusted basic payment amount range with the per-capita deposit amount to obtain the upper limit amount of the payment amount of the target user in the current period.
5. The method as claimed in claim 1, wherein the adjusting the lower limit amount of the basic payment amount range according to the adjustment direction of the lower limit amount adjustment record of the plurality of historical adjustment records to obtain the lower limit amount of the payment amount of the target user in the current period comprises:
determining the adjustment direction of the lower limit adjustment record of each historical adjustment record;
judging whether the adjustment directions of the lower limit adjustment records of the plurality of historical adjustment records are the same;
if the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records are judged to be the same, adjusting the lower limit coefficient of the basic payment amount range according to the adjustment directions;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the lower limit coefficient and the per-person deposit amount;
and multiplying the lower limit coefficient of the adjusted basic payment amount range with the per-person deposit amount to obtain the lower limit amount of the payment amount of the target user in the current period.
6. An adjustment device for credit data, comprising:
the first acquisition unit is used for acquiring a user identifier of a target user;
the second acquisition unit is used for acquiring a plurality of historical adjustment records corresponding to the user identification; wherein the history adjustment record is a record of the target user adjusting the range of the basic payment amount in the past history period; the historical adjustment record comprises an upper limit adjustment record and a lower limit adjustment record;
the upper limit amount adjusting unit is used for adjusting the upper limit amount of the basic payment amount range according to the adjusting direction of the upper limit amount adjusting records of the plurality of historical adjusting records to obtain the upper limit amount of the payment amount of the target user in the current period;
wherein the adjustment direction is up-regulation or down-regulation; the adjustment direction of the upper limit amount of the basic payment amount range is determined by the adjustment directions of the upper limit amount adjustment records of the plurality of historical adjustment records;
a lower limit amount adjusting unit, configured to adjust the lower limit amount of the basic payment amount range according to the adjustment direction of the lower limit amount adjustment record of the multiple historical adjustment records, so as to obtain the lower limit amount of the payment amount of the target user in the current period;
the adjustment direction of the lower limit amount of the basic payment amount range is determined by the adjustment directions of the lower limit amount adjustment records of the plurality of historical adjustment records.
7. The apparatus of claim 6, further comprising:
the first judgment unit is used for judging whether the target user has adjusted the basic payment amount range in the current period;
when the first judging unit judges that the target user does not adjust the basic payment amount range in the current period, the second acquiring unit executes the acquisition of the plurality of historical adjustment records corresponding to the user identification.
8. The apparatus of claim 6, wherein the second obtaining unit comprises:
the searching unit is used for searching the historical adjustment records corresponding to the user identification from all the historical adjustment records;
and the selecting unit is used for selecting the historical adjustment records of the historical periods with preset number nearest to the current period from all the historical adjustment records corresponding to the user identification.
9. The apparatus of claim 6, wherein the upper limit amount adjusting unit comprises:
the first determining unit is used for determining the adjusting direction of the upper limit adjusting record of each historical adjusting record;
the second judgment unit is used for judging whether the adjustment directions of the upper limit adjustment records of the plurality of historical adjustment records are the same or not;
an upper limit coefficient adjusting unit, configured to adjust an upper limit coefficient of the basic payment amount range according to the adjustment direction when the second determining unit determines that the adjustment directions of the upper limit amount adjustment records of the multiple historical adjustment records are the same;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the upper limit coefficient and the per-person deposit amount;
and the first calculation unit is used for multiplying the upper limit coefficient of the adjusted basic payment amount range with the per-person deposit amount to obtain the upper limit amount of the payment amount of the target user in the current period.
10. The apparatus of claim 6, wherein the lower limit amount adjusting unit comprises:
the second determining unit is used for determining the adjusting direction of the lower limit adjusting record of each historical adjusting record;
a third judging unit, configured to judge whether adjustment directions of lower limit adjustment records of the multiple historical adjustment records are the same;
a lower limit coefficient adjusting unit, configured to adjust a lower limit coefficient of the basic payment amount range according to the adjustment direction when the third determining unit determines that the adjustment directions of the lower limit amount adjustment records of the multiple historical adjustment records are the same;
wherein, the upper limit amount of the basic payment amount range is equal to the product of the lower limit coefficient and the per-person deposit amount;
and the second calculation unit is used for multiplying the lower limit coefficient of the adjusted basic payment amount range with the per-person deposit amount to obtain the lower limit amount of the payment amount of the target user in the current period.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911183513.XA CN110910069A (en) | 2019-11-27 | 2019-11-27 | Method and device for adjusting limit data |
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| CN201911183513.XA CN110910069A (en) | 2019-11-27 | 2019-11-27 | Method and device for adjusting limit data |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112380259A (en) * | 2020-12-29 | 2021-02-19 | 四川新网银行股份有限公司 | Method for improving processing speed of real-time online transaction share of online deposit product |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112380259A (en) * | 2020-12-29 | 2021-02-19 | 四川新网银行股份有限公司 | Method for improving processing speed of real-time online transaction share of online deposit product |
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