CN111429242A

CN111429242A - Combined pushing method and device for transfer cash note

Info

Publication number: CN111429242A
Application number: CN202010189944.3A
Authority: CN
Inventors: 卢健; 强锋; 许琦; 彭斌
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-03-18
Filing date: 2020-03-18
Publication date: 2020-07-17
Anticipated expiration: 2040-03-18
Also published as: CN111429242B

Abstract

The embodiment of the application provides a transfer presentation bill combination pushing method and device, and the method comprises the following steps: dividing the total sum range of the pre-acquired target bill combination into a plurality of sum subintervals; generating linear constraint models respectively corresponding to the money subintervals, and acquiring target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in the feature summary values respectively corresponding to the preset bill combinations to serve as the target values; the ticket combination comprises a plurality of posted tickets which are currently in an unexpired state; and selecting the minimum target value from the target values of the linear constraint models, and determining the bill combination corresponding to the minimum target value as a target reprint bill combination for pushing to a target user. According to the method and the device, the efficiency of acquiring the transfer note combination can be effectively improved on the basis of ensuring that the acquired transfer note combination is the current optimal combination, and the accuracy and the efficiency of transferring the transfer note combination pushing to the note purchaser can be effectively improved.

Description

Combined pushing method and device for transfer cash note

Technical Field

The application relates to the technical field of data processing, in particular to a transfer note combination pushing method and device.

Background

The bill transfer and discount refers to the act of transferring an unexpired and discounted bill to another financial institution in a discount manner in order to obtain turnover funds by the financial institution such as a bank. Usually, the ticket purchaser will offer a range of total amount of tickets and duration of tickets he desires, and in principle the bank will combine from the stock of tickets in three attributes of amount of tickets, expiry date and daily interest rate a set of tickets sold to the customer that meets the customer's expectations and has as low a weighted discount rate as possible.

In some financial institutions, the stock of bills can reach thousands of sheets or more, and after the customer sets up a purchase condition, the system of the financial institution needs to provide an optimal combination bill package to the customer within several seconds (for example, 8 seconds). The current practice is mainly to select the bills for packing based on the sorting mode, however, although the method can meet the requirement of timeliness, the weighted posting rate of the combined bill packages is not optimal. If an optimal package scheme is to be obtained, the problem can be obtained by converting the problem into a nonlinear optimization problem with constraint conditions, but the solving speed of the nonlinear optimization problem in the industry at present cannot be fast, and the optimal solution can be obtained by calculating for more than several hours under the condition of more variables.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a method and a device for pushing a reprint note combination, which can effectively improve the efficiency of obtaining the reprint note combination on the basis of ensuring that the obtained reprint note combination is the current optimal combination, and further can effectively improve the accuracy and efficiency of pushing the reprint note combination to a note buyer.

In order to solve the technical problem, the application provides the following technical scheme:

in a first aspect, the present application provides a transfer presentation note combination pushing method, including:

dividing the total sum range of the pre-acquired target bill combination into a plurality of sum subintervals;

generating linear constraint models respectively corresponding to the money subintervals, and acquiring target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values respectively corresponding to the preset bill combinations to serve as the target values; the ticket combination comprises a plurality of posted tickets which are currently in an unexpired state;

and selecting the minimum target value from the target values of the linear constraint models, and determining the bill combination corresponding to the minimum target value as a target reprint bill combination for pushing to a target user.

Further, the feature summary value includes: weighting the discount rate summary value;

the weighted discount rate summary value includes: sum of the amount, interest rate and term of each bill in the corresponding bill combination and preset target variables;

correspondingly, the objective function of the linear constraint model is used for solving the minimum value in the weighted discount rate summary value corresponding to each bill combination.

Further, the feature summary value includes: the difference between the weighted discount rate summary value and a preset fine adjustment item;

the fine tuning items include: sum of the sum of each bill and the target variable in the corresponding bill combination;

correspondingly, the objective function of the linear constraint model is used for solving a minimum value in the difference value between the weighted discount rate summary value and the fine adjustment term corresponding to each bill group.

Further, the constraint conditions corresponding to the objective function of the linear constraint model include:

a first constraint condition for indicating that the sum of the sum;

the second constraint condition is used for indicating that the deadline of the bill is in the corresponding preset target bill time range;

and a third constraint condition for representing that the target variable is a numerical value between 0 and 1.

Further, the dividing the total amount range of the pre-acquired target bill combination into a plurality of amount subintervals includes:

and discretely dividing the total sum range of the target bill combination into preset number of sub-intervals of the sum.

and based on a preset money span threshold value, discretely dividing the total money range of the target bill combination into a plurality of money subintervals, so that the difference between the upper limit value and the lower limit value in each money subinterval is smaller than or equal to the money span threshold value.

Further, before dividing the total amount range of the pre-acquired target bill combination into a plurality of amount subintervals, the method further comprises the following steps:

acquiring an acquisition request aiming at a transfer cash note combination, wherein the acquisition request comprises a target note combination time range and a target note combination total amount range;

correspondingly, the generating of the linear constraint model corresponding to each money sub-interval includes:

applying the target bill combination time range to determine the second constraint condition;

applying each amount subinterval to respectively generate the first constraint condition corresponding to each amount subinterval;

and respectively generating linear constraint models respectively corresponding to the money sub-intervals on the basis of the preset target function, the preset third constraint condition, the preset second constraint condition and the first constraint condition respectively corresponding to the money sub-intervals.

Further, after the determining the ticket combination corresponding to the minimum target value as the target reprint ticket combination for pushing to the target user, the method further includes:

generating a corresponding transfer presentation bill combination scheme according to the bill combination corresponding to the minimum value selected from the target values, wherein the transfer presentation bill combination scheme comprises the characteristic information of each currently-unexpired presented bill in the bill combination;

and sending the transfer presentation bill combination scheme to at least one client terminal corresponding to the acquisition request of the transfer presentation bill combination.

In a second aspect, the present application provides a transfer note combination pusher, including:

the sum subinterval division module is used for dividing the total sum range of the pre-acquired target bill combination into a plurality of sum subintervals;

the linear constraint model generation module is used for generating linear constraint models respectively corresponding to the money subintervals and acquiring target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values respectively corresponding to the preset bill combinations to serve as the target values; the ticket combination comprises a plurality of posted tickets which are currently in an unexpired state;

and the transfer presentation bill combination acquisition module is used for selecting the minimum target value from the target values of the linear constraint models and determining the bill combination corresponding to the minimum target value as the target transfer presentation bill combination for pushing to the target user.

a first constraint condition for indicating that the sum of the sum;

Further, the money sub-interval dividing module divides the total money range of the pre-acquired target bill combination into a plurality of money sub-intervals, including:

and the fixed quantity dividing unit is used for discretely dividing the total sum range of the target bill combination into preset quantity of sum subintervals.

and the fixed amount dividing unit is used for discretely dividing the total amount range of the target bill combination into a plurality of amount subintervals based on a preset amount span threshold value, so that the difference value between the upper limit value and the lower limit value in each amount subinterval is smaller than or equal to the amount span threshold value.

the system comprises an acquisition request receiving module, a transfer receipt receiving module and a transfer receipt sending module, wherein the acquisition request is used for acquiring an acquisition request aiming at a transfer receipt combination, and the acquisition request comprises a target receipt combination time range and a target receipt combination total amount range;

correspondingly, the linear constraint model generation module generates linear constraint models corresponding to the money subintervals respectively, and the linear constraint models include:

a second constraint condition determining unit, configured to apply the target combination time range to determine the second constraint condition;

a first constraint condition determining unit, configured to apply each of the amount subintervals to generate the first constraint condition corresponding to each of the amount subintervals;

and the linear constraint model generating unit is used for respectively generating linear constraint models respectively corresponding to the money sub-intervals on the basis of the preset objective function, the preset third constraint condition, the preset second constraint condition and the first constraint condition respectively corresponding to the money sub-intervals.

a combination scheme generation module, configured to generate a corresponding transfer presentation note combination scheme according to a note combination corresponding to a minimum value selected from the target values, where the transfer presentation note combination scheme includes feature information of each currently-presented note in the note combination that is in an unexpired state;

and the combination scheme pushing module is used for sending the transfer presentation bill combination scheme to at least one client terminal corresponding to the acquisition request of the transfer presentation bill combination.

In a third aspect, the present application provides an electronic device, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements the steps of the transfer presentation ticket combination pushing method when executing the program.

In a fourth aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the method for pushing a reprint note combination.

According to the technical scheme, the method and the device for pushing the transfer note combination provided by the application comprise the following steps: dividing the total sum range of the pre-acquired target bill combination into a plurality of sum subintervals; generating linear constraint models respectively corresponding to the money subintervals, and acquiring target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values respectively corresponding to the preset bill combinations to serve as the target values; the ticket combination comprises a plurality of posted tickets which are currently in an unexpired state; the minimum target value is selected from the target values of the linear constraint models, the bill combination corresponding to the minimum target value is determined as the target reprint bill combination for pushing to the target user, the original nonlinear problem in the existing reprint bill combination obtaining mode is converted into a linear problem, the efficiency of obtaining the reprint bill combination can be effectively improved on the basis of ensuring that the obtained reprint bill combination is the current optimal combination, and the same combination scheme as the nonlinear problem can be obtained by calculation within a few milliseconds; the reliability of the generation process of the transfer cash note combination is high, and the customer requirements can be met on line in an optimal combination mode at the lowest selling cost; and then can effectively improve accuracy, reliability and efficiency of carrying out the note combination propelling movement of the note purchaser, make the note purchaser can know the current optimal note combination of the note of note and paste fast and accurately, and then can effectively improve the efficiency and convenience that the note purchaser carries out the note combination of note and paste and buy, improve user experience.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic flow chart of a transfer presentation note combination pushing method in an embodiment of the present application.

Fig. 2 is a flowchart illustrating a method for pushing a reprint note combination including step 110 in an embodiment of the present application.

Fig. 3 is a flowchart illustrating a method for pushing a reprint note combination including step 120 in an embodiment of the present application.

Fig. 4 is a flowchart illustrating a method for pushing a reprint note combination including step 010 in the embodiment of the present application.

Fig. 5 is a schematic specific flowchart of step 200 in a transfer presentation ticket combination pushing method in an embodiment of the present application.

Fig. 6 is a schematic flowchart of a method for pushing a reprint note

combination including steps

400 and 500 in an embodiment of the present application.

Fig. 7 is a flow chart of a fast and optimal combination method of a transfer presentation note provided by an application example of the application.

Fig. 8 is a schematic structural diagram of a fast and optimal combination system of transfer presentation notes provided by an application example of the application.

Fig. 9 is a schematic diagram of a first structure of a transfer presentation note combination pushing device in an embodiment of the present application.

Fig. 10 is a schematic structural diagram of a combined transfer note pushing device including a fixed number of dividing units in the embodiment of the present application.

Fig. 11 is a schematic structural diagram of a transfer receipt combination pushing device including a fixed-amount dividing unit in an embodiment of the present application.

Fig. 12 is a schematic diagram of a second structure of a transfer presentation note combination pushing device in the embodiment of the application.

Fig. 13 is a schematic structural diagram of a linear constraint model generation module in a transfer presentation note combination pushing device in an embodiment of the present application.

Fig. 14 is a third structural diagram of a transfer presentation note combined pushing device in the embodiment of the application.

Fig. 15 is a schematic structural diagram of an electronic device in an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all 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 application.

In order to solve the problems that the existing mode for pushing the reprint note combination cannot simultaneously take account of the optimality and timeliness of the reprint note combination and further cannot realize the pushing accuracy and efficiency of a note purchaser, the application provides a method for pushing the reprint note combination, a device for pushing the reprint note combination, electronic equipment and a computer readable storage medium, wherein the method divides the total sum range of the pre-acquired target note combination into a plurality of sum subintervals; generating linear constraint models respectively corresponding to the money subintervals, and acquiring target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values respectively corresponding to the preset bill combinations to serve as the target values; the ticket combination comprises a plurality of posted tickets which are currently in an unexpired state; the minimum target value is selected from the target values of the linear constraint models, the bill combination corresponding to the minimum target value is determined as the target reprint bill combination for pushing to the target user, the original nonlinear problem in the existing reprint bill combination obtaining mode is converted into a linear problem, the efficiency of obtaining the reprint bill combination can be effectively improved on the basis of ensuring that the obtained reprint bill combination is the current optimal combination, and the same combination scheme as the nonlinear problem can be obtained by calculation within a few milliseconds; the reliability of the generation process of the transfer cash note combination is high, and the customer requirements can be met on line in an optimal combination mode at the lowest selling cost; and then can effectively improve accuracy, reliability and efficiency of carrying out the note combination propelling movement of the note purchaser, make the note purchaser can know the current optimal note combination of the note of note and paste fast and accurately, and then can effectively improve the efficiency and convenience that the note purchaser carries out the note combination of note and paste and buy, improve user experience.

Based on the above, the transfer receipt combination pushing device may specifically be an online system of a target bank or other type of financial institution, and the transfer receipt combination pushing device may be capable of obtaining all currently unexpired notes of the target bank or other type of financial institution in advance, and selecting a receipt combination mentioned in one or more embodiments of the present application from the obtained notes.

It is to be understood that the combinations of tickets mentioned in one or more embodiments of the present application refer to a collection of tickets composed of any number of posted tickets currently in an unexpired state, and for convenience of description, the combinations of tickets in one or more embodiments of the present application may also be referred to as a ticket pack; correspondingly, the target reprint note combination mentioned in one or more embodiments of the present application refers to a currently optimal note set that meets the current purchase condition of the user and is used for pushing to the target user, where the currently optimal note set is obtained based on the reprint note combination pushing method provided in the embodiments of the present application.

Specifically, the following examples are given to illustrate the respective embodiments.

In order to effectively improve the efficiency of acquiring the reprint note combination and further effectively improve the accuracy and efficiency of the reprint note combination pushing for the note purchaser on the basis of ensuring that the acquired reprint note combination is the current optimal combination, the application provides an embodiment of the reprint note combination pushing method, and referring to fig. 1, the reprint note combination pushing method specifically comprises the following contents:

step 100: and dividing the total sum range of the pre-acquired target bill combination into a plurality of sum subintervals.

In step 100, the transfer receipt combination pushing device receives a target receipt combination total amount range sent by the client terminal, and it can be understood that the target receipt combination total amount range may be a value range customized by a user having a receipt purchase intention from an application program of the client terminal, one of a plurality of value ranges displayed in advance in the application program of the client terminal may be selected by the user having the receipt purchase intention, or a value range set by a manager in the client terminal according to a user requirement.

It is understood that the target total sum range of the combination of tickets is used for representing the purchase price interval of the combination of tickets which can be reprinted and is expected by the user, and the target total sum range of the combination of tickets can be represented as: [ M ] A_min，M_max]。

Based on this, the sum subintervals may sequentially divide the total sum range of the target bill combination into a plurality of subintervals according to the order of sums from small to large, and the plurality of sum subintervals may be specifically expressed as:

[M_min,M₁],[M₁,M₂],...,[M_z,M_max]wherein z is the total number of money sub-intervals.

Step 200: generating linear constraint models respectively corresponding to the money subintervals, and acquiring target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values respectively corresponding to the preset bill combinations to serve as the target values; the ticket combination includes a plurality of posted tickets currently in an unexpired state.

In step 200, the retrospective bill combination pushing device obtains a standard form of a linear constraint model in advance, the standard form is obtained by converting an existing nonlinear model into a linear model in advance, specifically, assuming that a certain bank has a plurality of bills, and the amount, interest rate and deadline information of each bill are known, an optimal retrospective bill combination scheme can be obtained through a nonlinear model which is used for representing that the weighted average retrospective interest rate of the combined bill pack is the minimum, while a branch definition method is commonly used for solving the nonlinear model, and assuming that under the condition of 1000 candidate bills, the time requirement for pushing the retrospective bill combination to a client on a bank line is obviously not met by using a commercial universal optimization lingo11 to solve the nonlinear model for nearly two hours.

Based on this, the transfer cash note combination pushing device converts the nonlinear model into a standard form of a linear constraint model for solving a minimum value as the target value in the feature summary values corresponding to the preset note combinations, but since the feature summary values can be used for representing numerical values such as a weighted transfer cash rate summary value, in order to ensure that the obtained transfer cash note combination is the current optimal combination, the total amount range of the target note combination needs to be divided into a plurality of amount subintervals with sufficiently small interval numerical values in step 100, and the linear constraint model is generated for each amount subinterval based on the standard form in step 200.

Step 300: and selecting the minimum target value from the target values of the linear constraint models, and determining the bill combination corresponding to the minimum target value as a target reprint bill combination for pushing to a target user.

To effectively improve the acquisitionIn an embodiment of the method for pushing a reprint note combination provided by the present application, the summary value of the characteristics in the reprint note combination pushing method includes: weighting the discount rate summary value; the weighted discount rate summary value includes: the sum m of each bill in the corresponding bill combination_iInterest rate r_iTerm d_iAnd preset target variables_iAnd wherein i represents the ith note,_iand (4) evaluating a value of 0 or 1 for the variable to be solved, and indicating whether the ith bill is selected to be added into the combination. It is to be appreciated that for ease of description, in one or more embodiments of the present application, the ticket refers to a plurality of posted tickets that are currently in an unexpired state.

Correspondingly, the objective function of the linear constraint model is used for solving a minimum value in the weighted discount rate summary value corresponding to each bill combination, and the minimum value is specifically represented by the following formula (1):

when the total sum of the bill package

When the upper and lower limits of (A) are relatively close, i.e. M_min≈M_maxWhen the denominator corresponding to the question (1) is constant, the question (1) and the question (3) are basically equivalent, wherein n is the stock number of the plurality of posted notes currently in the unexpired state.

On this basis, in order to further improve the accuracy of acquiring the reprint note combination and further ensure the optimization degree of the reprint note combination on the basis of effectively improving the efficiency of acquiring the reprint note combination, in an embodiment of the reprint note combination pushing method provided by the present application, the feature summary value in the reprint note combination pushing method includes: the difference between the weighted discount rate summary value and a preset fine tuning term.

The weighted discount rateThe summary values include: amount m_iInterest rate r_iTerm d_iAnd preset target variables_iAnd (4) summing.

The fine tuning items include: the sum m of each bill in the corresponding bill combination_iAnd sum of target variables_i。

Correspondingly, the objective function of the linear constraint model is used to solve a minimum value in the difference between the weighted discount rate summary value and the fine adjustment term corresponding to each bill group, as shown in the following formula (2):

if a fine tuning term is added to the formula (1)

The two problems will be closer together by changing to the following form:

and the formula (2) is used for replacing the original nonlinear model to solve the optimal solution, so that the calculation speed can be greatly increased.

For the above two objective functions, that is, the formula (1) and the formula (2), the corresponding constraint conditions are the same, and in order to further ensure that the obtained reprint note combination is the current optimal combination, in one or more embodiments of the present application, the constraint conditions corresponding to the objective function of the linear constraint model include:

a first constraint condition for indicating that the sum of the sum;

Taking the objective function of formula (2) as an example, the linear constraint model formed by the objective function and the constraint condition is shown as formula (3):

wherein [ M_k，M_k+1]And the sum subintervals are corresponding to the current objective function and the constraint condition.

In order to effectively improve the efficiency of dividing the amount subintervals to further improve the efficiency of acquiring the transfer note combination, in an embodiment of the transfer note combination pushing method of the present application, referring to fig. 2, in an embodiment of the transfer note combination pushing method, the amount subintervals may be divided in a fixed interval number manner; the step 100 of the transfer presentation bill combination pushing method specifically includes the following contents:

step 110: and discretely dividing the total sum range of the target bill combination into preset number of sub-intervals of the sum.

For example, a parameter M entered by a customer may be received_min,M_max,D_minAnd D_max(ii) a For interval [ M_min,M_max]And carrying out discretization subdivision, namely subdividing into 100 sub-intervals of money, such as:

[M_min,M₁],[M₁,M₂],...,[M₉₉,M_max]。

based on the above, the money sub-intervals are divided by a fixed interval number (for example, the above-mentioned 100 money sub-intervals), so that the stability of the model solving speed can be effectively ensured, the problem that the solving speed is slowed down in production due to excessive money sub-interval division is solved, and the situation that the waiting time of a user is too long and the service experience of the user is affected due to the fact that the time requirement cannot be met can be avoided.

In order to further improve the efficiency of dividing the amount subintervals and improve the intelligent degree of dividing the amount subintervals to further improve the efficiency of obtaining the transfer cash note combination, in an embodiment of the transfer cash note combination pushing method of the present application, referring to fig. 3, in an embodiment of the transfer cash note combination pushing method, the amount subintervals may be divided in a fixed interval amount manner; the step 100 of the transfer presentation bill combination pushing method specifically includes the following contents:

step 120: and based on a preset money span threshold value, discretely dividing the total money range of the target bill combination into a plurality of money subintervals, so that the difference between the upper limit value and the lower limit value in each money subinterval is smaller than or equal to the money span threshold value. And then, aiming at the condition that the total amount range of the target bill combination is small, less amount subintervals can be divided, so that the data volume and the difficulty required by the subsequent module for solving are effectively reduced, and the efficiency of obtaining the transfer note combination is further improved.

In order to effectively improve the intelligent degree of the delivery of the reprint note combination and improve the convenience of the user for obtaining the reprint note combination, in an embodiment of the reprint note combination delivery method of the present application, referring to fig. 4, in an embodiment of the reprint note combination delivery method, the following contents are further specifically included before step 100 in the reprint note combination delivery method:

step 010: and acquiring an acquisition request aiming at the transfer discount bill combination, wherein the acquisition request comprises a target bill combination time range and the target bill combination total amount range.

Correspondingly, referring to fig. 5, step 200 of the method for pushing a reprint ticket combination specifically includes the following contents:

step 210: and applying the target bill combination time range to determine the second constraint condition.

Step 220: and applying each amount subinterval to respectively generate the first constraint condition corresponding to each amount subinterval.

Step 230: and respectively generating linear constraint models respectively corresponding to the money sub-intervals on the basis of the preset target function, the preset third constraint condition, the preset second constraint condition and the first constraint condition respectively corresponding to the money sub-intervals.

In view of the above, in an embodiment of the method for pushing a reprint note combination of the present application, referring to fig. 6, in an embodiment of the method for pushing a reprint note combination, the following contents are further specifically included after step 300 in the method for pushing a reprint note combination:

step 400: and generating a corresponding transfer presentation bill combination scheme according to the bill combination corresponding to the minimum value selected from the target values, wherein the transfer presentation bill combination scheme comprises the characteristic information of each currently unexpired presented bill in the bill combination.

Step 500: and sending the transfer presentation bill combination scheme to at least one client terminal corresponding to the acquisition request of the transfer presentation bill combination.

It will be appreciated that the characteristic information includes information indicative of the current characteristics of the ticket, such as the unique identity of the ticket being presented, the current transaction status, the amount of money, the interest rate and the expiry date.

It can be understood that the obtaining request for the transfer cash note combination can be sent to the transfer cash note combination pushing device by a target user through a client terminal held by the target user, and also can be sent to the transfer cash note combination pushing device by a manager based on the requirement of the target user, so that the transfer cash note combination can be timely and intelligently pushed to a long-term purchasing user or a potential client with a purchasing requirement, and further the transaction convenience of the transfer cash note combination can be effectively improved.

Based on this, if the acquisition request for the reprint note combination is sent by the target user, the reprint note combination pushing device can directly send the reprint note combination scheme to the application program in the client terminal of the target user after generating the reprint note combination scheme corresponding to the acquisition request, so that the target user can conveniently check the reprint note combination scheme from the application program, and directly carry out the note purchasing operation for the reprint note combination scheme in the application program, thereby effectively improving the user experience, and effectively improving the efficiency and convenience for the user to purchase the reprint note combination.

If the obtaining request aiming at the transfer presentation bill combination is sent by a manager, the transfer presentation bill combination pushing device can read the identification of the client terminal of at least one corresponding target user from the obtaining request after generating the transfer presentation bill combination scheme corresponding to the obtaining request; and then the transfer cash note combination scheme is sent to the client terminal of at least one corresponding target user according to the identification, and the transfer cash note combination scheme can also be sent to the client terminal of the administrator, so that the administrator operates the client terminal to push the transfer cash note combination scheme to the client terminal of at least one target user, the transfer cash note combination can be timely and intelligently pushed to long-term purchasing users or potential clients with purchasing demands, and the transaction convenience of the transfer cash note combination can be effectively improved.

In order to further explain the scheme, the application also provides a specific application example of the transfer presentation bill combination pushing method, and the specific application example of the application relates to the artificial intelligence technology, which solves the problem that the optimal solution is too slow by using a nonlinear transfer discretization linear method; the combined pushing method of the transfer cash note specifically comprises the following contents:

suppose that a certain bank has n bills in stock, and the sum, interest rate and period of each bill are m respectively_ir_id_iThen an optimal combination solution can be derived by solving the following model.

Wherein M is_minAnd M_maxUpper and lower limits of total amount of bill packs requested by customers, D_minAnd D_maxThere are required upper and lower limits for the duration of each ticket for the customer._iThe value of the variable to be solved is 0 or 1, which indicates whether the current ith bill is selected to be added into the combination。

The first part of the model, formula (4), is an objective function, which is a non-linear function, and represents that the weighted average presentation rate of the combined note packets is the minimum. Formula (5) is a constraint condition; the total amount of the combined note package is required to be within the range defined by the client, and the term of each note is required to be within the range required by the client. The constraints are all linear. This is a typical non-linear 0-1 constrained programming problem. A common method of solving such models is generally branch definition. In the case of 1000 candidate tickets, solving the above model using the commercial universal optimization solver lingo11 takes approximately two hours, which clearly does not meet the on-line timeliness requirement. The main reason is that the objective function of the model is a nonlinear function, a nonlinear monotonic function, which brings inconvenience to the solution search.

In order to solve the problem of too low solving speed, the application changes the formula (4) into the following linear form:

the constraints are unchanged. When the total sum of the bill package

When the upper and lower limits of (A) are relatively close, i.e. M_min≈M_maxThe denominator of equation (4) is constant, and equation (1) and equation (4) are substantially equivalent. At this time, if a fine adjustment term is added to the formula (1)

The two problems will be closer together by changing to the following form:

and the formula (2) is used for solving the optimal solution instead of the formula (4), so that the calculation speed can be greatly improved.

The present application therefore translates the problem into the following computational steps to solve:

1) accepting a parameter M entered by a customer_min,M_max,D_minAnd D_max

2) For interval [ M_min,M_max]And performing discretization subdivision, namely subdividing into 100 cells, such as:

[M_min,M₁],[M₁,M₂],...,[M₉₉,M_max]

3) models are respectively established for the one hundred intervals:

4) solving these 100 models in turn using a pulp program yields 100 target values { O }_k}；

5) When O is min { O ═ O ═ min }_kAnd taking the optimal solution under the situation as the optimal solution of the whole problem, and taking the solution as a client combination bill.

The specific flow of the fast and optimal combination method of the re-posted current ticket is shown in fig. 7, and specifically includes the following contents:

s101: receiving parameters such as total bill amount interval and deadline input by a user;

s102: discretizing the bill total amount interval into 100 adjacent cells;

s103: establishing a 0-1 linear constraint model for each cell;

s104: solving a model global optimal solution of each interval and a target value thereof by using a pulp tool;

s105: and selecting the global optimal solution of the model with the minimum target value from the 100 models as a final solution according to the target value.

And a fast optimal combination system of the reprint ticket for implementing the fast optimal combination method of the reprint ticket is shown in fig. 8, wherein, the customer input parameter module 1 is used for executing the above S101; the model building and solving module 2 is used for executing the steps S102 to S105; and the calculation result returning module 3 is used for combining the optimal bill package according to the model solving result and presenting the optimal bill package to the client 4.

In a toolIn the embodiment, 1000 bills in stock are selected as a candidate set, and customer input M is simulated_min900 ten thousand, M_max1000 ten thousand, D _min300 days, D _max500 days; solving equation (4) and 100 equations (2) after the decomposition of the transformation using lingo11 and pulp, respectively, yields the results shown in table 1 below.

TABLE 1

It can be seen that the solution speed of the commercial software is faster than that of the open source software Pulp in general, but as a result, even though L ingo11 needs 1.85 hours to solve the global optimal solution of one non-linear formula (4), Pulp needs only 0.05s to solve 100 formulas (2), and the global optimal solutions obtained by the two solutions are identical, so that the problem that the online optimal group package cannot be online due to too slow calculation speed is solved.

In terms of software, in order to effectively improve the efficiency of acquiring the reprint note combination and further effectively improve the accuracy and efficiency of the reprint note combination pushing for the note buyer on the basis of ensuring that the acquired reprint note combination is the current optimal combination, the application provides an embodiment of a reprint note combination pushing device for realizing all or part of contents in the reprint note combination pushing method, see fig. 9, and the reprint note combination pushing device specifically comprises the following contents:

and the sum subinterval division module 10 is configured to divide the total sum range of the pre-acquired target bill combination into multiple sum subintervals.

A linear constraint model generation module 20, configured to generate linear constraint models corresponding to the money subintervals, and obtain target values of the linear constraint models, where the linear constraint models are used to solve a minimum value in a feature summary value corresponding to each preset bill combination, and the minimum value is used as the target value; the ticket combination includes a plurality of posted tickets currently in an unexpired state.

And a reprint note combination obtaining module 30, configured to select a minimum target value from the target values of the linear constraint models, and determine a note combination corresponding to the minimum target value as a target reprint note combination for pushing to a target user.

In order to effectively improve the efficiency of acquiring a transfer note combination, in an embodiment of the transfer note combination pushing device provided by the present application, the feature summary value in the transfer note combination pushing device includes: weighting the discount rate summary value; the weighted discount rate summary value includes: sum of the amount, interest rate and term of each bill in the corresponding bill combination and preset target variables; correspondingly, the objective function of the linear constraint model is used for solving the minimum value in the weighted discount rate summary value corresponding to each bill combination.

On the basis, in order to further improve the accuracy of acquiring the reprint note combination and further ensure the optimization degree of the reprint note combination on the basis of effectively improving the efficiency of acquiring the reprint note combination, in an embodiment of the reprint note combination pushing device provided by the application, the feature summary value in the reprint note combination pushing device includes: the difference between the weighted discount rate summary value and a preset fine tuning term. The weighted discount rate summary value includes: sum of the amount, interest rate and term of each bill in the corresponding bill combination and preset target variables; the fine tuning items include: sum of the sum of each bill and the target variable in the corresponding bill combination; correspondingly, the objective function of the linear constraint model is used for solving a minimum value in the difference value between the weighted discount rate summary value and the fine adjustment term corresponding to each bill group.

In order to further ensure that the obtained transfer note combination is the current optimal combination, in an embodiment of the transfer note combination pushing device of the present application, the constraint conditions corresponding to the objective function of the linear constraint model include:

a first constraint condition for indicating that the sum of the sum;

In order to effectively improve the efficiency of dividing the amount subintervals to further improve the efficiency of acquiring the transfer note combination, in an embodiment of the transfer note combination pushing device of the present application, referring to fig. 10, in an embodiment of the transfer note combination pushing device, the amount subintervals may be divided in a fixed number of intervals; the money sub-interval dividing module 10 in the transfer and cash-withdrawal bill combined pushing device specifically comprises the following contents:

and the fixed quantity dividing unit 11 is used for discretely dividing the total sum range of the target bill combination into preset quantity of sum subintervals.

In order to further improve the efficiency of dividing the amount subintervals and improve the intelligent degree of dividing the amount subintervals to further improve the efficiency of obtaining the transfer cash note combination, in an embodiment of the transfer cash note combination pushing method of the present application, referring to fig. 11, in an embodiment of the transfer cash note combination pushing device, the amount subintervals may be divided in a fixed interval amount manner; the money sub-interval dividing module 10 in the transfer and cash-withdrawal bill combined pushing device specifically comprises the following contents:

and the fixed amount dividing unit 12 is configured to discretely divide the total amount range of the target bill combination into a plurality of amount sub-intervals based on a preset amount span threshold, so that a difference between an upper limit value and a lower limit value in each amount sub-interval is smaller than or equal to the amount span threshold.

In order to effectively improve the intelligent degree of the delivery of the reprint note combination and improve the convenience of the user for obtaining the reprint note combination, in an embodiment of the reprint note combination delivery device of the present application, referring to fig. 12, in an embodiment of the reprint note combination delivery device, the reprint note combination delivery device further includes the following contents:

the acquiring request receiving module 01 is used for acquiring an acquiring request aiming at a transfer note combination, wherein the acquiring request comprises a target note combination time range and a target note combination total amount range;

correspondingly, referring to fig. 13, the linear constraint model generating module 20 in the reprint bill combination pushing method specifically includes the following contents:

and a second constraint condition determining unit 21, configured to apply the target combination time range to determine the second constraint condition.

A first constraint condition determining unit 22, configured to apply each of the amount sub-intervals to generate the first constraint condition corresponding to each of the amount sub-intervals.

A linear constraint model generating unit 23, configured to generate linear constraint models respectively corresponding to the money sub-intervals based on the preset objective function, the preset third constraint condition, the preset second constraint condition, and the first constraint condition respectively corresponding to each money sub-interval.

In view of the above, in an embodiment of the transfer receipt combination pushing device of the present application, referring to fig. 14, in an embodiment of the transfer receipt combination pushing device, the following contents are further specifically included in the transfer receipt combination pushing device:

a combination scheme generating module 40, configured to generate a corresponding transfer presentation note combination scheme according to a note combination corresponding to the minimum value selected in each target value, where the transfer presentation note combination scheme includes feature information of each currently-in-unexpired presented note in the note combination;

and the combination scheme pushing module 50 is configured to send the transfer statement bill combination scheme to at least one client terminal corresponding to the obtaining request for the transfer statement bill combination.

As can be seen from the above description, the transfer note combination pushing device provided in the embodiment of the present application converts the original non-linear problem in the existing transfer note combination obtaining manner into a linear problem, and can effectively improve the efficiency of obtaining the transfer note combination on the basis of ensuring that the obtained transfer note combination is the current optimal combination, and can calculate a combination scheme that is the same as the non-linear problem within only a few milliseconds; the reliability of the generation process of the transfer cash note combination is high, and the customer requirements can be met on line in an optimal combination mode at the lowest selling cost; and then can effectively improve accuracy, reliability and efficiency of carrying out the note combination propelling movement of the note purchaser, make the note purchaser can know the current optimal note combination of the note of note and paste fast and accurately, and then can effectively improve the efficiency and convenience that the note purchaser carries out the note combination of note and paste and buy, improve user experience.

In order to effectively improve the efficiency of acquiring the reprint note combination and further effectively improve the accuracy and efficiency of the reprint note combination pushing performed on the note purchaser on the basis of ensuring that the acquired reprint note combination is the current optimal combination, the application provides an embodiment of electronic equipment for realizing all or part of contents in the reprint note combination pushing method, and the electronic equipment specifically comprises the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the electronic equipment and the user terminal and relevant equipment such as a relevant database and the like; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may refer to the embodiments of the method for pushing a reprint note combination and the device for pushing a reprint note combination in the embodiments, which are incorporated herein, and repeated details are not repeated herein.

Fig. 15 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 15, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 15 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the transfer cash note combination pushing function can be integrated into a central processor. Wherein the central processor may be configured to control:

Based on the sum subintervals, the total sum range of the target bill combination can be sequentially divided into a plurality of subintervals according to the order of the sums from small to large.

As can be seen from the above description, according to the electronic device provided in the embodiment of the present application, by converting the original non-linear problem in the existing transit discount bill combination obtaining manner into the linear problem, on the basis of ensuring that the obtained transit discount bill combination is the current optimal combination, the efficiency of obtaining the transit discount bill combination can be effectively improved, and a combination scheme similar to the non-linear problem can be obtained by calculation within only a few milliseconds; the reliability of the generation process of the transfer cash note combination is high, and the customer requirements can be met on line in an optimal combination mode at the lowest selling cost; and then can effectively improve accuracy, reliability and efficiency of carrying out the note combination propelling movement of the note purchaser, make the note purchaser can know the current optimal note combination of the note of note and paste fast and accurately, and then can effectively improve the efficiency and convenience that the note purchaser carries out the note combination of note and paste and buy, improve user experience.

In another embodiment, the transfer note combination pushing device may be configured separately from the central processor 9100, for example, the transfer note combination pushing device may be configured as a chip connected to the central processor 9100, and the transfer note combination pushing function is realized by the control of the central processor.

As shown in fig. 15, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 15; further, the electronic device 9600 may further include components not shown in fig. 15, which can be referred to in the related art.

As shown in fig. 15, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.

The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.

An input unit 9120 provides input to the cpu 9100, the input unit 9120 is, for example, a key or a touch input device, a power supply 9170 supplies power to the electronic apparatus 9600, a display 9160 displays display objects such as images and characters, and the display may be, for example, an L CD display, but is not limited thereto.

The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.

The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).

The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.

An embodiment of the present application further provides a computer-readable storage medium capable of implementing all the steps in the retrospective note combined pushing method in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all the steps of the retrospective note combined pushing method in the foregoing embodiment, where an execution subject of the computer program is a server or a client, for example, when the processor executes the computer program, the processor implements the following steps:

As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application converts the original non-linear problem in the existing transit discount bill combination obtaining manner into a linear problem, so that on the basis of ensuring that the obtained transit discount bill combination is the current optimal combination, the efficiency of obtaining the transit discount bill combination can be effectively improved, and a combination scheme similar to the non-linear problem can be obtained by calculation within only a few milliseconds; the reliability of the generation process of the transfer cash note combination is high, and the customer requirements can be met on line in an optimal combination mode at the lowest selling cost; and then can effectively improve accuracy, reliability and efficiency of carrying out the note combination propelling movement of the note purchaser, make the note purchaser can know the current optimal note combination of the note of note and paste fast and accurately, and then can effectively improve the efficiency and convenience that the note purchaser carries out the note combination of note and paste and buy, improve user experience.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A transfer cash note combination pushing method is characterized by comprising the following steps:

2. The retrospective note combination pushing method of claim 1, wherein the feature summary value includes: weighting the discount rate summary value;

3. The retrospective note combination pushing method of claim 1, wherein the feature summary value includes: the difference between the weighted discount rate summary value and a preset fine adjustment item;

4. The retrospective note combination pushing method according to claim 2 or 3, wherein the constraint conditions corresponding to the objective function of the linear constraint model include:

a first constraint condition for indicating that the sum of the sum;

5. The method for pushing a retrospective note combination according to claim 1, wherein the dividing of the total amount range of the pre-acquired target note combination into a plurality of amount subintervals comprises:

6. The method for pushing a retrospective note combination according to claim 1, wherein the dividing of the total amount range of the pre-acquired target note combination into a plurality of amount subintervals comprises:

7. The method of claim 4, wherein before the dividing the pre-acquired target total amount range of the combination of notes into a plurality of amount subintervals, the method further comprises:

8. The method for pushing a reprint note combination according to claim 7, wherein after determining the note combination corresponding to the minimum target value as the target reprint note combination for pushing to the target user, the method further comprises:

9. The utility model provides a change and paste present bill combination pusher which characterized in that includes:

10. The retrospective note combination presenter of claim 9, wherein the summary value of features includes: weighting the discount rate summary value;

11. The retrospective note combination presenter of claim 9, wherein the summary value of features includes: the difference between the weighted discount rate summary value and a preset fine adjustment item;

12. The apparatus according to claim 10 or 11, wherein the constraint conditions corresponding to the objective function of the linear constraint model include:

a first constraint condition for indicating that the sum of the sum;

13. The apparatus of claim 9, wherein the amount subinterval dividing module divides the total amount range of the pre-obtained target note combination into a plurality of amount subintervals, and comprises:

14. The apparatus of claim 9, wherein the amount subinterval dividing module divides the total amount range of the pre-obtained target note combination into a plurality of amount subintervals, and comprises:

15. The retrospective note combination presenter of claim 12 further comprising, prior to the dividing of the pre-acquired target note combination total dollar range into a plurality of dollar sub-intervals:

16. The apparatus of claim 15, further comprising, after determining the target reprint note combination to be pushed to the target user, the note combination corresponding to the minimum target value:

17. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the retrospective note combination pushing method according to any one of claims 1 to 8 when executing the program.

18. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of the retrospective note combination pushing method according to any one of claims 1 to 8.