CN111105306A - Resource transaction strategy determination method and device and server - Google Patents
Resource transaction strategy determination method and device and server Download PDFInfo
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- CN111105306A CN111105306A CN201911305526.XA CN201911305526A CN111105306A CN 111105306 A CN111105306 A CN 111105306A CN 201911305526 A CN201911305526 A CN 201911305526A CN 111105306 A CN111105306 A CN 111105306A
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Abstract
The invention provides a method, a device and a server for determining a resource transaction strategy, wherein the method comprises the following steps: receiving a transaction request initiated by a user to a target object; acquiring a candidate resource transaction strategy corresponding to the transaction request based on the service information; if the candidate resource transaction strategies are multiple, taking the resource provider corresponding to the candidate resource transaction strategies as a target resource provider; adjusting the cost priority of each target resource provider based on the amount of the released resources of the target resource provider; according to the sequence of the adjusted cost priority from big to small, sequentially initiating an audit request to the target resource provider until the received audit result is that the audit is passed, and stopping sending the audit request to the next target resource provider; and determining the resource transaction strategy corresponding to the transaction request according to the candidate resource transaction strategy which passes the audit result. The invention can effectively improve the rationality of determining the resource transaction strategy.
Description
Technical Field
The invention relates to the technical field of communication, in particular to a method, a device and a server for determining a resource transaction strategy.
Background
With the development of internet technology, a variety of network transaction platforms have been gradually introduced to facilitate users to complete transactions such as fund purchases or physical changes on the network, and for higher value related transaction processes such as vehicle purchases or house rentals, the network transaction platforms can also generally provide loan services for the users, and the users can credit resources providers such as banks with funds or goods through the network transaction platforms, and then complete transactions by using the funds or goods obtained by loan. Currently, a network transaction platform may cooperate with a plurality of resource providers, each resource provider provides a plurality of loan schemes, and when the network transaction platform provides a loan service for a user, the network transaction platform may select a loan scheme from the plurality of loan schemes to loan the user, and in order to quickly select a desired loan scheme, in the prior art, priorities of the loan schemes are generally set according to a single dimension, so as to provide the loan service for the user according to a preferentially selected loan scheme, for example, the priorities are set according to the loan interest rates of the resource providers of the loan schemes, but the loan scheme selected in this way has a problem of poor rationality.
Disclosure of Invention
The invention aims to provide a method, a device and a server for determining a resource transaction strategy, which can effectively improve the rationality of determining the resource transaction strategy.
In a first aspect, an embodiment provides a method for determining a resource transaction policy, where the method is applied to a transaction server configured with a plurality of resource transaction policies; each resource transaction strategy corresponds to one resource provider, and the method comprises the following steps: receiving a transaction request initiated by a user to a target object; wherein the transaction request carries service information required for transaction of the target object; acquiring a candidate resource transaction strategy corresponding to the transaction request based on the service information; if the candidate resource transaction strategies are multiple, taking the resource provider corresponding to the candidate resource transaction strategies as a target resource provider; adjusting the cost priority of each target resource provider based on the amount of resources released by the target resource provider; the cost priority is used for representing the income size of the candidate resource trading strategy corresponding to the target resource provider; according to the sequence of the adjusted cost priority from big to small, sequentially initiating an audit request to the target resource provider until the received audit result is that the audit is passed, and stopping sending the audit request to the next target resource provider; the auditing request carries identification information of a candidate transaction strategy corresponding to the target resource provider; and determining the resource transaction strategy corresponding to the transaction request according to the candidate resource transaction strategy which passes the audit result.
In an optional embodiment, the step of obtaining a candidate resource trading policy corresponding to the trading request based on the service information includes: acquiring identification information of each resource transaction strategy; inputting the transaction request and identification information of each resource transaction strategy into a pre-configured rule component so that the rule component outputs identification information of at least one candidate resource transaction strategy aiming at the transaction request; the rule component is pre-configured with constraint conditions corresponding to the resource transaction strategies; and the constraint condition corresponding to the candidate resource trading strategy meets the service information.
In an alternative embodiment, the step of adjusting the cost priority of each target resource provider based on the amount of released resources of the target resource provider comprises: acquiring the cost priority of the target resource provider; calculating the priority distribution probability of the target resource provider based on the released resource amount of the target resource provider and the cost priority by using a dynamic quota algorithm; and adjusting the cost priority of the target resource provider according to the priority distribution probability of the target resource provider.
In an optional embodiment, the step of calculating, by using a dynamic quota algorithm, a preferential allocation probability of the target resource provider based on the amount of released resources of the target resource provider and the cost priority includes: judging whether the cost priorities of the target resource providers are the same; if yes, determining a resource issuing cycle of the target resource provider according to the amount of the issued resources of the target resource provider; each target resource provider is pre-configured with a plurality of resource issuing cycles, and the target transaction amount of each resource issuing cycle is different; for the target resource providers in the same resource issuing period, calculating a square value of the residual resource amount of the resource issuing period in which the target resource providers are located, and calculating a quotient of the square value and the target resource amount of the resource issuing period in which the target resource providers are located to obtain a weight factor of the target resource providers; determining the priority distribution probability of the target resource provider according to the weight factor of the target resource provider; wherein the preferential allocation probability is positively correlated with the weighting factor.
In an optional embodiment, the step of determining a resource issuance period of the target resource provider according to the amount of the issued resource of the target resource provider includes: for each target resource provider, sequentially calculating the difference value between the target resource amount of the resource distribution cycle configured by the target resource provider and the released resource amount of the resource provider according to the sequence from small to large of the resource distribution cycle, and obtaining the residual resource amount of the resource distribution cycle until the residual resource amount of the resource distribution cycle is greater than a preset threshold; and determining the resource distribution cycle with the residual resource amount larger than the preset threshold value as the resource distribution cycle of the target resource provider.
In an optional embodiment, the step of initiating an audit request to the target resource provider in sequence according to the order from large to small of the adjusted cost priority until the received audit result is that the audit is passed includes: initiating an auditing request to a target resource provider with the highest cost priority according to the adjusted priority; judging whether an audit result fed back by the target resource provider with the highest cost priority is received within a preset time length; if not, initiating an audit request to a target resource provider with a next cost priority until an audit result is received and the audit result is that the audit is passed; and the initiating times of the auditing request are less than the preset times.
In an alternative embodiment, the method further comprises: and if the candidate resource transaction strategy is one, determining the resource transaction strategy corresponding to the transaction request by using the candidate resource transaction strategy.
In an alternative embodiment, the transaction server comprises a vehicle transaction server.
In a second aspect, an embodiment provides an apparatus for determining a resource transaction policy, where the apparatus is applied to a transaction server configured with a plurality of resource transaction policies; each resource transaction policy corresponds to a resource provider, and the device comprises: the request receiving module is used for receiving a transaction request initiated by a user to a target object; wherein the transaction request carries service information required for transaction of the target object; the strategy acquisition module is used for acquiring a candidate resource transaction strategy corresponding to the transaction request based on the service information; a provider determining module, configured to, if there are multiple candidate resource transaction policies, take a resource provider corresponding to the candidate resource transaction policy as a target resource provider; the priority adjusting module is used for adjusting the cost priority of each target resource provider based on the amount of the released resources of the target resource provider; the cost priority is used for representing the income size of the candidate resource trading strategy corresponding to the target resource provider; the request initiating module is used for sequentially initiating auditing requests to the target resource providers according to the sequence of the adjusted cost priorities from large to small until the received auditing result is that the auditing is passed, and stopping sending the auditing request to the next target resource provider; the auditing request carries identification information of a candidate transaction strategy corresponding to the target resource provider; and the first determining module is used for determining the resource trading strategy corresponding to the trading request by taking the auditing result as the candidate resource trading strategy which passes the auditing.
In a third aspect, an embodiment provides a server, including a processor and a memory; the memory has stored thereon a computer program which, when executed by the processor, performs the method of any of the preceding embodiments.
In a fourth aspect, embodiments provide a computer storage medium for storing computer software instructions for use in a method according to any one of the preceding embodiments.
The method, the device and the server for determining the resource transaction strategies provided by the embodiment of the invention are applied to a transaction server configured with a plurality of resource transaction strategies, each resource transaction strategy corresponds to a resource provider, firstly, a transaction request initiated by a user for a target object is received, the transaction request carries service information required by the transaction target object, candidate resource transaction strategies corresponding to the transaction request are obtained based on the service information, if a plurality of candidate resource transaction strategies are determined, the resource providers corresponding to the candidate resource transaction strategies are taken as the target resource providers, the cost priority of the target resource providers is adjusted according to the amount of released resources of the target resource providers, then, audit requests are initiated to the target resource providers in sequence according to the sequence of the adjusted cost priority from large to small until the received audit result is that the audit is passed, stopping sending the auditing request and determining the resource trading strategy corresponding to the trading request by taking the auditing result as the candidate resource trading strategy which passes the auditing. After the plurality of candidate resource transaction strategies are obtained, the cost priority of the target resource provider is adjusted according to the released resource amount of the target resource provider corresponding to the candidate resource transaction strategies, so that the reliability of the adjusted cost priority is effectively improved, and the resource transaction strategies corresponding to the transaction requests can be more reasonable when the resource transaction strategies are determined on the basis of the adjusted cost priority.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
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, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic flowchart illustrating a method for determining a resource transaction policy according to an embodiment of the present invention;
FIG. 2 is an interaction diagram of a rule component according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating another method for determining a resource transaction policy according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of a resource transaction policy determining apparatus according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of another resource transaction policy determining apparatus according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the embodiments, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. 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 consideration of the fact that the rationality of the fund transaction strategy determined and obtained in the prior art is poor, the method, the device and the server for determining the resource transaction strategy are provided, and the rationality of determining the resource transaction strategy can be effectively improved.
To facilitate understanding of the present embodiment, first, a detailed description is given of a method for determining a resource transaction policy disclosed in an embodiment of the present invention, where the method is applied to a transaction server, and the transaction server is configured with a plurality of resource transaction policies, and each resource transaction policy corresponds to a resource provider, where the resource transaction policy may include a financial loan policy or an article loan policy, and the resource provider may include a financial institution such as a bank, and referring to a flowchart of a method for determining a resource transaction policy shown in fig. 1, the method may include the following steps S102 to S112:
step S102, receiving a transaction request initiated by a user to a target object.
The transaction request carries service information required by a transaction target object, wherein the target object may include a vehicle to be sold, a commodity to be sold, a house to be rented, and the like, the service information may include a purchase intention of a user, and taking the target object as a vehicle as an example, the service information may include a transaction city, a listing city of the vehicle, or a first payment amount of the vehicle, and the like. In one embodiment, the information to be filled in can be displayed through a preset page to prompt the user to fill in the required service information; the method comprises the steps that a preset page is displayed for a user, so that the user can conveniently select service information required by a transaction target object from the plurality of optional service information, wherein a confirmation control is configured in the preset page, and when the point touch operation of the user on the confirmation control is monitored, a transaction request can be obtained based on the service information filled in by the user or the selected service information.
And step S104, acquiring a candidate resource transaction strategy corresponding to the transaction request based on the service information.
In one embodiment, each resource trading strategy may be preconfigured with constraints, and the constraints of the candidate resource trading strategy should satisfy the service information, for example, the constraints in the resource trading strategy a1 include "the trading city is city C1", the constraints of the resource trading strategy a2 include "the trading city is city C2", and if the service information includes that the trading city desired by the user is city C2, the resource trading strategy a2 is determined to be the candidate trading strategy.
And step S106, if the candidate resource trading strategies are multiple, taking the resource provider corresponding to the candidate resource trading strategies as a target resource provider.
In practical application, if a plurality of candidate resource transaction strategies are obtained, in order to further select a required resource transaction strategy from the candidate resource transaction strategies, the resource transaction strategies can be selected on the basis of the resource provider corresponding to the candidate resource transaction strategies, so that the resource provider corresponding to the candidate resource transaction strategies is used as the target resource provider in the embodiment of the invention. For example, if the candidate resource transaction policy a1 corresponds to resource provider M1, the candidate resource transaction policy a2 corresponds to resource provider M2, and the candidate resource transaction policy A3 corresponds to resource provider M2, then resource provider M1 and resource provider M2 will be the target resource providers.
Step S108, based on the amount of the released resources of the target resource providers, the cost priority of each target resource provider is adjusted.
If the target resource provider is a bank, the amount of the released resource may include a deposit amount, and the cost priority is used to represent the profit size of the candidate resource transaction policy corresponding to the application target resource provider. In practical application, any one of the sorting methods may be adopted to set the cost priority of each resource provider in advance, and the preset cost priority is adjusted based on the amount of the released resources of the target resource provider, so as to obtain an adjusted cost priority with higher reliability.
And step S110, initiating auditing requests to the target resource providers in sequence according to the sequence of the adjusted cost priorities from large to small, and stopping sending the auditing request to the next target resource provider until the received auditing result is that the auditing is passed.
The audit request carries identification information of the candidate transaction policy corresponding to the target resource provider, wherein the identification information of the candidate transaction policy may include name information or number information of the candidate transaction policy, and the like. Assuming that, in the adjusted cost priorities, a target resource provider M1 with the highest cost priority corresponds to the candidate resource transaction policy a1, a target resource provider M2 with a medium cost priority corresponds to the candidate resource transaction policy a2 and the candidate resource transaction policy A3, and a target resource provider M3 with the lowest cost priority corresponds to the candidate resource transaction policy a4, first, an audit request is sent to the target resource provider M1, if an audit result fed back by the target resource provider M1 is not received or the received audit result is an audit failure, an audit request is sent to the target resource provider M2, and if the audit result fed back by the target resource provider is an audit pass and the audit result carries identification information of the candidate transaction policy A3, the sending of the audit request to the target resource provider M3 is stopped.
And step S112, determining the resource trading strategy corresponding to the trading request by taking the auditing result as the candidate resource trading strategy which is approved by auditing. For example, if the audit result that passes the audit carries the identification information of the candidate transaction policy A3, the candidate transaction policy A3 is determined as the resource transaction policy corresponding to the transaction request.
According to the method for determining the resource transaction strategy, provided by the embodiment of the invention, after a plurality of candidate resource transaction strategies are obtained, the cost priority of the target resource provider is adjusted according to the released resource amount of the target resource provider corresponding to the candidate resource transaction strategies, so that the reliability of the adjusted cost priority is effectively improved, and therefore, when the resource transaction strategy corresponding to the transaction request is determined on the basis of the adjusted cost priority, the determined resource transaction strategy can be more reasonable.
When the candidate resource transaction strategy is obtained, the embodiment of the invention can pre-configure the filtering rule set which can comprise a plurality of constraint conditions of each resource transaction strategy, and determine the resource transaction strategy of which the constraint conditions meet the service information as the candidate resource transaction strategy. However, considering that the configured filtering rule set in the prior art is not convenient to manage, such as the existing filtering rule set has the problem of being inconvenient to expand and modify, the implementation of the present invention can be performed according to the following (1) to (2) when acquiring the candidate resource transaction policy corresponding to the transaction request based on the service information:
(1) and acquiring identification information of each resource transaction strategy. In one embodiment, the identification information of each resource trading policy may be represented in the form of a list.
(2) Inputting the transaction request and the identification information of each resource transaction strategy into a pre-configured rule component so that the rule component outputs the identification information of at least one candidate resource transaction strategy aiming at the transaction request; the rule component is pre-configured with constraint conditions corresponding to each resource transaction strategy; and the constraint condition corresponding to the candidate resource trading strategy meets the service information. In the embodiment of the invention, the constraint condition corresponding to each candidate resource transaction strategy is packaged in the rule component, and the constraint condition can be conveniently managed through the componentized filtering rule set. In practical application, user information (such as credit check registration information or driving license information) of a user can be acquired, and the transaction request, the identification information in a list form and the user information are jointly input into the rule component, so that the rule component screens the resource transaction policy based on the input service information, the input user information and constraint conditions corresponding to the identification information, and outputs identification information of candidate resource transaction policies completely meeting the service information and the user information.
In order to facilitate understanding of determining a candidate resource transaction policy by using a rule component, an embodiment of the present invention provides an interaction diagram of the rule component, as shown in fig. 2, fig. 2 illustrates that multiple constraint conditions such as user attribute information (i.e., human constraint), vehicle attribute information (i.e., vehicle constraint), asset party attribute information (i.e., resource provider constraint) and the like are encapsulated in the rule component, after a transaction request and identification information of a resource transaction policy are input to the rule interaction component, the rule interaction component filters the user attribute information, the vehicle attribute information, and the asset party attribute information according to service information carried in a transaction request, respectively, until all the constraint conditions meet the service information, and outputs the identification information of the resource transaction policy corresponding to the constraint conditions.
Considering that in the prior art, when the cost priority of the resource provider is configured, the priority hierarchy is too single, and therefore, in order to optimize the cost priority of the target resource provider, the embodiment of the present invention may perform the step of adjusting the cost priority of each target resource provider based on the amount of released resources of the target resource provider according to the following steps 1 to 3:
step 1, obtaining the cost priority of a target resource provider. The acquired cost priority may also be referred to as an asset side echelon. In one embodiment, any prioritization method may be used to determine the asset placement of each resource provider, and one asset side fleet may correspond to multiple resource providers, for example, a first asset side fleet (i.e., a first cost priority) corresponds to resource provider M1, and a second asset side fleet (i.e., a second cost priority) corresponds to resource provider M2 and resource provider M3. Taking the resource transaction policy including the financial loan policy as an example, the financial institutions may be divided into a plurality of asset party echelons according to the combined cost of each financial institution, when the combined cost is greater than a first threshold and less than a second threshold, the resource provider is in the first asset party echelon, when the combined cost is greater than the second threshold and less than a third threshold, the resource provider is in the second asset party echelon, and then the resource party echelon where the target resource provider is located may be determined from the asset party echelons where each resource provider is located.
And 2, calculating the priority distribution probability of the target resource provider by using a dynamic quota algorithm based on the amount of the released resources and the cost priority of the target resource provider.
To facilitate understanding of step 2 above, an embodiment of the present invention provides a specific implementation manner for calculating a priority allocation probability of a target resource provider based on an amount of released resources and a cost priority of the target resource provider by using a dynamic quota algorithm, which is specifically referred to as the following step 2.1 to step 2.4:
and 2.1, judging whether the cost priorities of the target resource providers are the same. For example, assuming that the target resource first asset party fleet corresponds to the target resource provider M1, and the second asset party fleet corresponds to the target resource provider M2 and the target resource provider M3, it may be determined that the cost priority of the target resource provider M2, the target resource provider M3 is different from the cost priority of the target resource provider M1, and the cost priority of the target resource provider M2 is the same as the cost priority of the target resource provider M3.
Step 2.2, if yes, determining a resource distribution cycle of the target resource provider according to the quantity of the distributed resources of the target resource provider; each target resource provider is pre-configured with a plurality of resource issuing cycles, and the target transaction amount of each resource issuing cycle is different. For target resource providers with the same cost priority, the priority of each target resource provider in the cost priority needs to be further determined. For example, a first resource issuing cycle and a second resource issuing cycle are configured in advance for one resource provider, the priority level of the first resource issuing cycle is higher than that of the second resource issuing cycle, the resource issuing starting time of the first resource issuing cycle is 2019, 10, 1 and 1 month, the resource issuing cycle is 1 month, and the target resource amount is 100 ten thousand, the resource issuing starting time of the second resource issuing cycle is 2019, 10, 1 and 1 month, the resource issuing cycle is 6 and the target resource amount is 5000 ten thousand, and the resource issuing cycle in which the target resource provider is located is determined according to the issued resource amount of the target resource provider in each resource issuing cycle.
In one embodiment, the step of determining the resource issuance period of the target resource provider according to the amount of issued resources of the target resource provider may be performed according to the following steps 2.2.1 to 2.2.2:
and 2.2.1, sequentially calculating the difference value between the target resource amount of the resource distribution cycle configured by each target resource provider and the released resource amount of the resource provider according to the sequence of the resource distribution cycle from small to large aiming at each target resource provider, and obtaining the residual resource amount of the resource distribution cycle until the residual resource amount of the resource distribution cycle is larger than a preset threshold value. In an embodiment, the released resource amount of the target resource provider may be recorded in real time to obtain a real-time table, or the released resource amount of the target resource provider may be recorded according to a preset period, for example, the released resource amount of the target resource provider is recorded in a period of one day or one month to obtain an day table and a month table, respectively, where the real-time table, the day table and the month table may also be understood as performing three-level filing on the released resource amount of the target resource, so as to improve the performance of counting the released resource amount. Taking the above-mentioned step in the first resource issuing cycle and the second resource issuing as an example, if the date when the user submits the transaction request is 2019, 12 and 20 days, the remaining resource amount of the first resource issuing cycle is equal to 100 ten thousand minus the difference between the issued resource amounts of "2019, 12 and 1 days" and "2019, 12 and 20 days", and the remaining resource amount of the second resource issuing cycle is equal to 5000 ten thousand minus the difference between the issued resource amounts of "2019, 10 and 1 days" and "2019, 12 and 20 days".
And 2.2.2, determining the resource distribution cycle with the residual resource amount larger than the preset threshold as the resource distribution cycle of the target resource provider. In practical application, the preset threshold may be set to 0, assuming that the remaining resource amount of the first resource allocation cycle is equal to 0, since the remaining resource amount of the first resource allocation cycle is not greater than 0, the remaining resource amount of the second resource allocation cycle is continuously calculated to obtain 1000 ten thousand remaining resource amounts equal to the second resource allocation cycle, and since the remaining resource amount of the second resource allocation cycle is greater than 0, the next resource allocation cycle is not calculated any more, and the second resource allocation cycle is determined as the resource allocation cycle where the target resource provider is located. Assuming that the cost priority of the target resource provider M2, the cost priority of the target resource provider M3 and the cost priority of the target resource provider M4 are all the same, respectively calculating a resource issuing period in which each target resource provider is located, and if the target resource provider M2 and the target resource provider M3 are both in the second resource issuing period and the target resource provider M4 is in the first resource issuing period, adjusting the cost priorities of the target resource provider M2 and the target resource provider M3 to be lower than the cost priority of the target resource provider M4.
And 2.3, for the target resource providers in the same resource issuing period, calculating the square value of the residual resource amount of the resource issuing period in which the target resource providers are positioned, and calculating the quotient of the square value and the target resource amount of the resource issuing period in which the target resource providers are positioned, so as to obtain the weight factor of the target resource providers. If the resource distribution cycles of the target resource providers are the same, the cost priority of the target resource provider in the same resource distribution cycle needs to be continuously adjusted. Taking the second resource issuing period as an example, the weighting factor W of the second resource issuing period is (1000 ten thousand)2And/5000 ten thousand.
And 2.4, determining the priority distribution probability of the target resource provider according to the weight factor of the target resource provider. The preferential distribution probability is positively correlated with the weight factor, that is, the larger the weight factor of the target resource provider is, the higher the preferential distribution probability of the target resource provider is. In one embodiment, the priority assignment probabilities of the target resource providers may be configured in descending order of weighting factors, for example, for the target resource provider M2 and the target resource provider M3, where the weighting factor of the target resource provider M2 is greater than the weighting factor of the target provider M3, the priority assignment probability of the target resource provider M2 is configured to be 0.8, and the priority assignment probability of the target resource provider M3 is configured to be 0.6, until the priority assignment probability of each target resource provider in the same resource issuance period is determined according to the weighting factor of each target resource provider.
And 3, adjusting the cost priority of the target resource provider according to the priority distribution probability of the target resource provider. The higher the priority assignment probability of the target resource provider is, the higher the adjusted cost priority of the target resource provider may be. For example, the target resource provider M2 has a priority assignment probability of 0.8, which indicates that the highest probability of the adjusted cost priority of the target resource provider M2 in the same resource issuance period is 80%. The adjusted cost priorities determined through the steps 1 to 3 are ranked from high to low as a target resource provider M1, a target resource provider M4, a target resource provider M2 and a target resource provider M3.
Through the method, the cost priority of the target resource provider is divided in a multi-dimensional manner, so that the determination process of the cost priority is more flexible, and the cost priority of the target resource provider is better optimized.
In order to accelerate the auditing efficiency of the auditing request, the embodiment of the invention initiates the auditing requests to the target resource provider in sequence according to the sequence from large to small of the adjusted cost priority, and the step S110 can be executed according to the following steps a to c until the received auditing result is that the auditing is passed:
and step a, initiating an auditing request to a target resource provider with the highest cost priority according to the adjusted priority. Assuming that the adjusted cost priorities are ranked from high to low as the target resource provider M1, the target resource provider M4, the target resource provider M2, and the target resource provider M3, an audit request is first initiated to the target resource provider M1.
And b, judging whether an audit result fed back by the target resource provider with the highest cost priority is received within a preset time length. If not, executing the step c; if the result is that the audit result fed back by the target resource provider M1 is approved, the audit request is stopped being initiated to the target resource provider M4 when the audit result is that the audit is approved, the candidate resource transaction policy which is approved is determined as the resource transaction policy corresponding to the transaction request, and the audit request is continuously initiated to the target resource provider M4 when the audit result is that the audit is failed.
And c, initiating an audit request to the target resource provider with the next cost priority until an audit result is received and the audit result is that the audit is passed. And if the auditing result fed back by the target resource provider M1 is not received within the preset time length, continuously initiating an auditing request to the target resource provider M4 until the auditing result is received and the auditing result is that the auditing is passed.
Considering the problem of auditing efficiency, the number of times of initiating the auditing request can be limited to be less than the preset number of times, assuming that the preset number of times is 3, if the target resource provider M1, the target resource provider M4 and the target resource provider M2 are all auditing results that are passed by the feedback auditing, the auditing request is not initiated to the target resource provider M3 any more, at this time, information of transaction failure can be directly fed back to the user, and by limiting the number of times of initiating the auditing request, the auditing efficiency can be improved to a certain extent. In addition, the number of times of the credit review inquiry can be limited, for example, the number of times of the credit review inquiry is limited to 2, if the target resource provider M1, the target resource provider M4, and the target resource provider M2 all need to query the credit review information of the user, the target resource provider M3 does not need to query the credit review information of the user, and if the target resource provider M1 and the target resource provider M4 both feed back that the audit is passed within a preset time length, the audit request is not initiated to the target resource provider M2 and the audit request is initiated to the target resource provider M3.
In one embodiment, if there is one candidate resource trading policy, the candidate resource trading policy is used to determine the resource trading policy corresponding to the trading request. If only one candidate resource transaction strategy is output after being filtered by the regular component, the candidate resource transaction strategy is directly determined as the resource transaction strategy corresponding to the transaction request.
On the basis of the method for determining a resource transaction policy provided in the foregoing embodiment, the embodiment of the present invention provides a specific application example of the method for determining a resource transaction policy, and the embodiment of the present invention is described by taking an example in which a transaction server includes a vehicle transaction server, with reference to a flow diagram of another method for determining a resource transaction policy shown in fig. 3, where the method mainly includes the following steps S302 to S306:
step S302, screening candidate financial schemes by using a filtering rule set. Wherein, the candidate financial proposal is also the candidate resource trading strategy. In practical applications, the purchasing intention of the user, the loan credit qualification, the purchasing city of the customer, the city of interest on the card, the loan city, and the personal information of the user all influence whether the financial plan of the customer can be successfully traded, and the information can be filled or selected by the user. In addition, the filtering rule set can be configured into the rule component in a factory mode or a singleton mode, the filtering rule set can be conveniently applied to other scenes by componentizing the filtering rule set, and the rule component can be directly called to complete screening on the assumption that a new vehicle configuration scene or a used vehicle configuration scene needs to use a certain constraint condition in the filtering rule set, without respectively configuring the filtering rule set aiming at various scenes.
For convenience of understanding the step S302, the embodiment of the present invention provides a specific example of screening candidate financial solutions by using a filtering rule set, assuming an existing financial solution a, a financial solution B, and a financial solution C, where the filtering rule set is configured with the following constraints: the constraint conditions of the financial scheme A comprise that a loan city is required to be consistent with a vehicle license city, the constraint conditions of the financial scheme B comprise that a user owns a formal license, the constraint conditions of the financial scheme C comprise that the loan city and the vehicle license city are not limited, and the user is allowed to own the license after one month, if service information carried by a transaction request of the user comprises 30% of first payment, 70% of loan, the loan city is Beijing, the vehicle license city is Shijiazhuan, and the user information comprises no license, the service information and the user information are input into a filtering rule set at the moment, and the filtering rule set outputs the financial scheme C.
In one embodiment, the rule component may be a filtering rule that constrains a plurality of items of information, such as user attribute information, vehicle attribute information, and asset party attribute information, where an asset party, that is, the resource provider, may include a financial institution, such as a bank, and the vehicle attribute information is taken as an example for illustration, and table 1 illustrates a limiting condition of the asset party on the vehicle, where the filtering rule that indicates that the asset party 1 supports includes a vehicle rule 1 and a vehicle rule 4, and the filtering rule that indicates that the asset party 2 supports includes a vehicle rule 3 and a vehicle rule 4. The user attribute information, the vehicle attribute information, and the asset side attribute information may be set based on actual rules, which is not limited in this embodiment of the present invention.
TABLE 1
| Asset side | Vehicle rule 1 | Vehicle rule 2 | Vehicle rules 3 | Vehicle rules 4 |
| Asset party 1 | Support for | Do not support | Do not support | Support for |
| Asset side 2 | Do not support | Support for | Support for | Do not support |
Step S304, determining the cost priority of the target bank corresponding to the candidate financial scheme by using a dynamic quota algorithm. In practical applications, if only one candidate financial plan is determined in step S302, the transaction may be performed according to the candidate financial plan, and if multiple candidate financial plans are determined in step S302, the cost of each financial plan needs to be accounted by using a dynamic quota algorithm, wherein the lower the cost of a candidate financial plan, the higher the priority of the candidate financial plan. When the cost priority of a target bank corresponding to the candidate financial scheme is determined by using a dynamic quota algorithm, the ladders of the assets (namely, the cost priority) can be configured in advance, all the assets of the first ladders are always higher than the priority of the assets of the second ladders, the paying stage (namely, the asset issuing period) of the assets is configured, the assets of the same paying stage are dynamically and randomly sequenced, and the priority of each asset is determined. For example, table 2 illustrates an initial target configuration in which all the assets of the first fleet have higher priority than all the assets of the second fleet, i.e., assets 1 and 2 have higher priority than assets 3 and 4 in table 2. Also shown in Table 2 are the target deposit amount for Effector 1 in the first flight (i.e., the aforementioned target resource amount) at stage one of 1000, Effector 1 at stage two of 8000, and Effector 2, Effector 3, and Effector 4 at stage one and stage two, respectively.
TABLE 2
For the assets in the same fleet, the priority of each asset in the fleet may be further determined, and in one embodiment, each loan phase is configured by the loan start time (i.e., the aforementioned resource release start time) and the cycle period (i.e., the aforementioned resource release period) of each asset. Table 3 shows the released amount monitored in real time (i.e., the amount of the released resource), and in practical applications, the released amount of each asset party can be obtained by separately counting the real-time table, the day table and the month table, so as to improve the performance of the calculated released amount.
TABLE 3
After the placed amount of each asset party is determined, the remaining placed amount (i.e., the remaining resource amount) of each asset party in each placing stage may be calculated, where table 4 shows the remaining placed amount of each asset party in each placing stage, and the calculation method of the remaining placed amount may be referred to the foregoing step 2.2.1, which is not described herein again. In addition, taking the asset side 1 in table 4 as an example, the asset side 1 is in the second payout stage because the remaining payout amount in the first stage is 0 and the remaining payout amount in the second stage is 6800.
TABLE 4
Based on the calculated remaining deposit amount of each asset party at the deposit stage, in table 4, the weighting factor of each asset party can be calculated, and table 5 shows the weighting factor of each asset party, wherein the calculation method of the weighting factor can be performed in the step 2.3, which is not described herein again.
TABLE 5
In one embodiment, the higher the weighting factor of the asset side, the higher the configured probability of a priority hit (i.e., the aforementioned probability of priority assignment) for the asset side, the random probability sequence numbers such as 1, 2, 3, 4, 5 are assigned to the asset side according to the probability of a priority hit, wherein the probability of a priority hit is inversely proportional to the random probability sequence number, and table 6 illustrates the random probability sequence number for each asset side.
TABLE 6
Where the gradient priority, phase priority and random probability sequence number for each asset side are shown in table 7.
TABLE 7
| Asset side | Asset party 1 | Asset side 2 | Asset side 3 | Asset side 4 |
| Random probability sequence number | 2 | 4 | 3 | 1 |
| Echelon | 1 | 1 | 2 | 2 |
| Phases | 2 | 1 | 2 | 1 |
On the basis of tables 2 to 7, the following ranking in the dynamic quota algorithm (ranking algorithm) provided by the embodiment of the present invention is based on the former ranking, and the exchange of positions is performed. Carrying out position exchange when the conditions are met, keeping the original relative sequence unchanged when the conditions are not met, specifically, carrying out echelon sequencing firstly: the echelons are sorted from small to large; and then, stage sequencing: carrying out paying stage sorting from small to large under the condition of the same echelon; and finally, sequencing random probability sequence numbers: and sequencing the probability sequence numbers from small to large under the condition of the same paying stage of the same echelon. The embodiment of the invention provides an application example of determining cost priority of a target bank corresponding to a candidate financial scheme by using a dynamic quota algorithm, which comprises the steps of firstly carrying out echelon sequencing to obtain (an asset party 1, an asset party 2) > (an asset party 3 and an asset party 4), and respectively carrying out stage sequencing on a first echelon and a second echelon, wherein the priority of the asset party 2 in the first echelon is greater than that of the asset party 1 in the first stage, the asset party 2 in the first stage, the priority of the asset party 3 in the second echelon in the first stage and the priority of the asset party 4 in the second stage are greater than that of the asset party 3, so that (the asset party 2) > (the asset party 1) > (the asset party 4) > (the asset party 3) is obtained, and then the final priority can be determined. If the same stage of the same echelon exists, the random probability sequence numbers are sorted, and if the sorting result of the echelon sorting is (asset party 1, asset party 2) > (asset party 4) > (asset party 3), according to the random probability sequence numbers shown in table 7, (asset party 2) > (asset party 1) > (asset party 4) > (asset party 3) can be obtained.
And S306, sending auditing requests to the target bank in sequence according to the cost priority until the received auditing result is that the auditing is passed, and determining the candidate financial scheme corresponding to the passed target bank as the target financial scheme. In practical application, the embodiment of the present invention uses a message notification manner such as Kafka mechanism to implement circulation of a routing state to sequentially request an asset party to perform audit according to a priority order, when receiving asset party message feedback, the judgment is successful or not, the success indicates that the current routing passes, and the failure continues to request the next asset party to perform audit until the end. According to the embodiment of the invention, the auditing request can be automatically submitted through the mode, after one asset party rejects, the next asset party submits the auditing request automatically, and the message transfer station receives the order and the fund result, so that asynchronous auditing is realized, the auditing robustness can be enhanced, the time of waiting for approval of a user is shortened, and the user experience is further improved. After the request of the examination is initiated, the property side decides whether to approve the loan for the user, and the property side feeds back that the examination is passed and stops initiating the examination request to the next property side. And if the asset party does not feed back that the audit is passed, the server receives the feedback of the audit failure, further refuses to pay the user, and continues to initiate an audit request to the next asset party, so as to circulate until the asset party feeds back that the audit is passed or all the asset parties finish the audit.
In order to optimize the above asynchronous auditing process, the embodiment of the present invention further performs the following restrictions on the route:
(1) timeout skip: and presetting the overtime of each asset party, and stopping waiting and sending an audit request to the next asset party if the audit result fed back by the asset party is not received within the preset overtime.
(2) And (4) auditing times: the maximum audit times (i.e. the number of audits of the asset requesting party) of one route are configured in advance, for example, the maximum audit times are configured for 3 times, and if one route includes 5 candidate financial schemes, only 3 audit requests are initiated according to the priority, and the remaining 2 candidate financial schemes are automatically abandoned.
(3) And (4) crediting and checking times: presetting the inquiry times of user credit investigation with maximum routing at one time, and presetting whether each asset party needs credit investigation. For example, the maximum number of times of inquiry of one route is 2, and it is assumed that an audit request is sent to 4 asset parties, where 3 asset parties need to inquire user credit, and 1 asset party does not need to inquire user credit, at this time, the route will initiate an audit request to 2 asset parties needing to inquire user credit and an audit request to 1 asset party not needing to inquire user credit according to priority.
In summary, the embodiments of the present invention provide a pluggable and componentized filter rule set, which can increase the diversity of the filter rule set and facilitate the management of the filter rule set. In addition, the dynamic quota algorithm can be used for carrying out multi-dimensional sequencing on the priority of the asset provider, so that the reliability of the priority is improved, and the cost of the obtained asset transaction strategy is lower. In addition, the embodiment of the invention realizes the message interaction between the transaction platform and the asset party through the asynchronous auditing method, and can effectively improve the auditing efficiency so as to rapidly determine the resource transaction strategy for the user.
As for the method for determining a resource transaction policy provided in the foregoing embodiment, an embodiment of the present invention provides a device for determining a resource transaction policy, where the device is applied to a transaction server, and the transaction server is configured with a plurality of resource transaction policies; each resource transaction policy corresponds to a resource provider, and referring to a schematic structural diagram of a resource transaction policy determining apparatus shown in fig. 4, the apparatus includes the following parts:
a request receiving module 402, configured to receive a transaction request initiated by a user for a target object; the transaction request carries service information required by the transaction target object.
And a policy obtaining module 404, configured to obtain a candidate resource transaction policy corresponding to the transaction request based on the service information.
And a provider determining module 406, configured to, if there are multiple candidate resource transaction policies, take the resource provider corresponding to the candidate resource transaction policy as a target resource provider.
A priority adjustment module 408, configured to adjust a cost priority of each target resource provider based on the amount of the released resources of the target resource provider; the cost priority is used for representing the profit size of the candidate resource trading strategy corresponding to the application target resource provider.
A request initiating module 410, configured to initiate an audit request to the target resource provider in sequence according to the sequence from large to small of the adjusted cost priority, and stop sending the audit request to the next target resource provider until the received audit result is that the audit is passed; the auditing request carries identification information of the candidate transaction strategy corresponding to the target resource provider.
And the first determining module 412 is configured to determine a resource trading policy corresponding to the trading request according to the candidate resource trading policy that is obtained by the auditing result.
According to the device for determining the resource transaction strategy, provided by the embodiment of the invention, after a plurality of candidate resource transaction strategies are obtained, the cost priority of the target resource provider is adjusted according to the released resource amount of the target resource provider corresponding to the candidate resource transaction strategies, so that the reliability of the adjusted cost priority is effectively improved, and therefore, when the resource transaction strategy corresponding to the transaction request is determined on the basis of the adjusted cost priority, the determined resource transaction strategy can be more reasonable.
In an embodiment, the policy obtaining module 404 is further configured to: acquiring identification information of each resource transaction strategy; inputting the transaction request and the identification information of each resource transaction strategy into a pre-configured rule component so that the rule component outputs the identification information of at least one candidate resource transaction strategy aiming at the transaction request; the rule component is pre-configured with constraint conditions corresponding to each resource transaction strategy; and the constraint condition corresponding to the candidate resource trading strategy meets the service information.
In one embodiment, the priority adjustment module 408 is further configured to: acquiring the cost priority of a target resource provider; calculating the priority distribution probability of the target resource provider based on the amount of the released resources and the cost priority of the target resource provider by using a dynamic quota algorithm; and adjusting the cost priority of the target resource provider according to the priority distribution probability of the target resource provider.
In one embodiment, the priority adjustment module 408 is further configured to: judging whether the cost priorities of the target resource providers are the same; if yes, determining a resource issuing cycle of the target resource provider according to the amount of the issued resources of the target resource provider; each target resource provider is pre-configured with a plurality of resource issuing cycles, and the target transaction amount of each resource issuing cycle is different; for a target resource provider in the same resource issuing period, calculating a square value of the residual resource amount of the resource issuing period in which the target resource provider is located, and calculating a quotient of the square value and the target resource amount of the resource issuing period in which the target resource provider is located to obtain a weight factor of the target resource provider; determining the priority distribution probability of the target resource provider according to the weight factor of the target resource provider; wherein the preferential distribution probability is positively correlated with the weight factor.
In one embodiment, the priority adjustment module 408 is further configured to: for each target resource provider, sequentially calculating the difference value between the target resource amount of the resource distribution cycle configured by the target resource provider and the released resource amount of the resource provider according to the sequence of the resource distribution cycle from small to large to obtain the residual resource amount of the resource distribution cycle until the residual resource amount of the resource distribution cycle is larger than a preset threshold; and determining the resource distribution cycle with the residual resource amount larger than the preset threshold as the resource distribution cycle of the target resource provider.
In an embodiment, the request initiation module 410 is further configured to: initiating an auditing request to a target resource provider with the highest cost priority according to the adjusted priority; judging whether an audit result fed back by a target resource provider with the highest cost priority is received within a preset time length; if not, initiating an audit request to a target resource provider with a next cost priority until an audit result is received and the audit result is that the audit is passed; and the initiating times of the auditing request are less than the preset times.
On the basis of fig. 4, an embodiment of the present invention further provides another device for determining a resource transaction policy, referring to a schematic structural diagram of another device for determining a resource transaction policy shown in fig. 5, where the device for determining a resource transaction policy further includes: a second determining module 502, configured to determine, if there is one candidate resource transaction policy, a resource transaction policy corresponding to the transaction request according to the candidate resource transaction policy.
In one embodiment, the transaction server comprises a vehicle transaction server.
The device provided by the embodiment of the present invention has the same implementation principle and technical effect as the method embodiments, and for the sake of brief description, reference may be made to the corresponding contents in the method embodiments without reference to the device embodiments.
The embodiment of the invention provides a server, which particularly comprises a processor and a storage device; the storage means has stored thereon a computer program which, when executed by the processor, performs the method of any of the above described embodiments.
Fig. 6 is a schematic structural diagram of a server according to an embodiment of the present invention, where the server 100 includes: a processor 60, a memory 61, a bus 62 and a communication interface 63, wherein the processor 60, the communication interface 63 and the memory 61 are connected through the bus 62; the processor 60 is arranged to execute executable modules, such as computer programs, stored in the memory 61.
The Memory 61 may include a high-speed Random Access Memory (RAM) and may also include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. The communication connection between the network element of the system and at least one other network element is realized through at least one communication interface 63 (which may be wired or wireless), and the internet, a wide area network, a local network, a metropolitan area network, and the like can be used.
The bus 62 may be an ISA bus, PCI bus, EISA bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 6, but that does not indicate only one bus or one type of bus.
The memory 61 is used for storing a program, the processor 60 executes the program after receiving an execution instruction, and the method executed by the apparatus defined by the flow process disclosed in any of the foregoing embodiments of the present invention may be applied to the processor 60, or implemented by the processor 60.
The processor 60 may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware or instructions in the form of software in the processor 60. The Processor 60 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the device can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, or a discrete hardware component. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory 61, and the processor 60 reads the information in the memory 61 and, in combination with its hardware, performs the steps of the above method.
The computer program product of the readable storage medium provided in the embodiment of the present invention includes a computer readable storage medium storing a program code, where instructions included in the program code may be used to execute the method described in the foregoing method embodiment, and specific implementation may refer to the foregoing method embodiment, which is not described herein again.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (11)
1. The method for determining the resource transaction strategy is applied to a transaction server, wherein the transaction server is configured with a plurality of resource transaction strategies; each resource transaction strategy corresponds to one resource provider, and the method comprises the following steps:
receiving a transaction request initiated by a user to a target object; wherein the transaction request carries service information required for transaction of the target object;
acquiring a candidate resource transaction strategy corresponding to the transaction request based on the service information;
if the candidate resource transaction strategies are multiple, taking the resource provider corresponding to the candidate resource transaction strategies as a target resource provider;
adjusting the cost priority of each target resource provider based on the amount of resources released by the target resource provider; the cost priority is used for representing the income size of the candidate resource trading strategy corresponding to the target resource provider;
according to the sequence of the adjusted cost priority from big to small, sequentially initiating an audit request to the target resource provider until the received audit result is that the audit is passed, and stopping sending the audit request to the next target resource provider; the auditing request carries identification information of a candidate transaction strategy corresponding to the target resource provider;
and determining the resource transaction strategy corresponding to the transaction request according to the candidate resource transaction strategy which passes the audit result.
2. The method of claim 1, wherein the step of obtaining the candidate resource transaction policy corresponding to the transaction request based on the service information comprises:
acquiring identification information of each resource transaction strategy;
inputting the transaction request and identification information of each resource transaction strategy into a pre-configured rule component so that the rule component outputs identification information of at least one candidate resource transaction strategy aiming at the transaction request; the rule component is pre-configured with constraint conditions corresponding to the resource transaction strategies; and the constraint condition corresponding to the candidate resource trading strategy meets the service information.
3. The method of claim 1, wherein the step of adjusting the cost priority of each of the target resource providers based on the amount of resources released by the target resource provider comprises:
acquiring the cost priority of the target resource provider;
calculating the priority distribution probability of the target resource provider based on the released resource amount of the target resource provider and the cost priority by using a dynamic quota algorithm;
and adjusting the cost priority of the target resource provider according to the priority distribution probability of the target resource provider.
4. The method of claim 3, wherein the step of calculating the preferential allocation probability of the target resource provider based on the amount of released resources of the target resource provider and the cost priority using a dynamic quota algorithm comprises:
judging whether the cost priorities of the target resource providers are the same;
if yes, determining a resource issuing cycle of the target resource provider according to the amount of the issued resources of the target resource provider; each target resource provider is pre-configured with a plurality of resource issuing cycles, and the target transaction amount of each resource issuing cycle is different;
for the target resource providers in the same resource issuing period, calculating a square value of the residual resource amount of the resource issuing period in which the target resource providers are located, and calculating a quotient of the square value and the target resource amount of the resource issuing period in which the target resource providers are located to obtain a weight factor of the target resource providers;
determining the priority distribution probability of the target resource provider according to the weight factor of the target resource provider; wherein the preferential allocation probability is positively correlated with the weighting factor.
5. The method according to claim 4, wherein the step of determining the resource release period of the target resource provider according to the released resource amount of the target resource provider comprises:
for each target resource provider, sequentially calculating the difference value between the target resource amount of the resource distribution cycle configured by the target resource provider and the released resource amount of the resource provider according to the sequence from small to large of the resource distribution cycle, and obtaining the residual resource amount of the resource distribution cycle until the residual resource amount of the resource distribution cycle is greater than a preset threshold;
and determining the resource distribution cycle with the residual resource amount larger than the preset threshold value as the resource distribution cycle of the target resource provider.
6. The method according to claim 1, wherein the step of initiating audit requests to the target resource provider in sequence according to the adjusted cost priorities from large to small until the received audit result is that the audit is passed includes:
initiating an auditing request to a target resource provider with the highest cost priority according to the adjusted priority;
judging whether an audit result fed back by the target resource provider with the highest cost priority is received within a preset time length;
if not, initiating an audit request to a target resource provider with a next cost priority until an audit result is received and the audit result is that the audit is passed;
and the initiating times of the auditing request are less than the preset times.
7. The method of claim 1, further comprising:
and if the candidate resource transaction strategy is one, determining the resource transaction strategy corresponding to the transaction request by using the candidate resource transaction strategy.
8. The method of claim 1, wherein the transaction server comprises a vehicle transaction server.
9. The device for determining the resource transaction strategy is applied to a transaction server, and the transaction server is configured with a plurality of resource transaction strategies; each resource transaction policy corresponds to a resource provider, and the device comprises:
the request receiving module is used for receiving a transaction request initiated by a user to a target object; wherein the transaction request carries service information required for transaction of the target object;
the strategy acquisition module is used for acquiring a candidate resource transaction strategy corresponding to the transaction request based on the service information;
a provider determining module, configured to, if there are multiple candidate resource transaction policies, take a resource provider corresponding to the candidate resource transaction policy as a target resource provider;
the priority adjusting module is used for adjusting the cost priority of each target resource provider based on the amount of the released resources of the target resource provider; the cost priority is used for representing the income size of the candidate resource trading strategy corresponding to the target resource provider;
the request initiating module is used for sequentially initiating auditing requests to the target resource providers according to the sequence of the adjusted cost priorities from large to small until the received auditing result is that the auditing is passed, and stopping sending the auditing request to the next target resource provider; the auditing request carries identification information of a candidate transaction strategy corresponding to the target resource provider;
and the first determining module is used for determining the resource trading strategy corresponding to the trading request by taking the auditing result as the candidate resource trading strategy which passes the auditing.
10. A server, comprising a processor and a memory;
the memory has stored thereon a computer program which, when executed by the processor, performs the method of any of claims 1 to 8.
11. A computer storage medium storing computer software instructions for use in the method of any one of claims 1 to 8.
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