CN111429242B

CN111429242B - Combined pushing method and device for transfer notes

Info

Publication number: CN111429242B
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: 2023-04-28
Anticipated expiration: 2040-03-18
Also published as: CN111429242A

Abstract

The embodiment of the application provides a transfer cash note combination pushing method and device, wherein 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 corresponding to the sum subintervals respectively, and acquiring target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values corresponding to the preset bill combinations respectively 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 smallest target value from the target values of the linear constraint models, and determining the corresponding bill combination as a target transfer bill combination for pushing to a target user. The method and the device can ensure that the acquired transfer bill combination is the current optimal combination, can effectively improve the efficiency of acquiring the transfer bill combination, and further can effectively improve the accuracy and the efficiency of transfer bill combination pushing for bill buyers.

Description

Combined pushing method and device for transfer notes

Technical Field

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

Background

Bill transfer refers to the act of a financial institution such as a bank transferring unexpired, on-hand bill to another financial institution in order to obtain transfer funds. Typically, the ticket purchaser will present his desired total amount of the ticket and the range of the deadline of the ticket, and in principle the bank will combine a set of tickets for the customer's expectations with as low a weighted discount rate as possible from the stock of the ticket for three attributes of the ticket amount, expiration date and daily discount rate.

In some financial institutions, the stock of notes can typically be thousands or more, and after a customer presents a purchase condition, the financial institution's system needs to provide an optimal package of combined notes to the customer within a few seconds (e.g., 8 seconds). The current practice is to select notes based on a sorting mode to group the notes, however, although this mode can meet the requirement of timeliness, the weighted discount rate of the combined notes is often not optimal. If the optimal package scheme is to be obtained, the problem can be converted into a nonlinear optimization problem with constraint conditions, but the solving speed of the nonlinear optimization problem in the industry at present is not very high, and the optimal solution can be usually obtained by calculating more than a few hours under the condition of more variables, that is, the existing pushing mode of the transfer bill combination cannot simultaneously consider the optimality and the effectiveness of the transfer bill combination, and further the pushing accuracy and the pushing efficiency of bill buyers cannot be realized.

Disclosure of Invention

Aiming at the problems in the prior art, the application provides a transfer note combination pushing method and device, which can effectively improve the efficiency of acquiring the transfer note combination on the basis of ensuring that the acquired transfer note combination is the current optimal combination, and further can effectively improve the accuracy and efficiency of transfer note combination pushing for a note purchaser.

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

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

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

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

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

Further, the feature summary value includes: weighted discount rate summary values;

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

correspondingly, the objective function of the linear constraint model is used for solving the minimum value in the weighted discount interest 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 tuning item;

the fine tuning item includes: sum of products of the respective notes in the corresponding note combination and the target variable;

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

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

The first constraint condition is used for indicating that the sum of products of the sum of the bills and the target variable is in the corresponding sum subinterval;

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

and a third constraint condition, which is used for representing that the value of the target variable is 0 or 1.

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

and discretely dividing the total sum range of the target bill into a preset number of sum subintervals.

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

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

acquiring an acquisition request aiming at the 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 the linear constraint model corresponding to each monetary subinterval respectively comprises the following steps:

determining the second constraint condition by applying the target bill combination time range;

generating the first constraint conditions corresponding to the amount subintervals respectively by applying the amount subintervals respectively;

and generating linear constraint models respectively corresponding to the amount subintervals respectively based on the preset objective function, the preset third constraint condition, the second constraint condition and the first constraint condition respectively corresponding to the amount subintervals.

Further, after the bill combination corresponding to the minimum target value is determined as the target transfer cash bill combination for pushing to the target user, the method further comprises:

generating a corresponding transfer bill combination scheme according to the bill combination corresponding to the minimum value selected from the target values, wherein the transfer bill combination scheme comprises characteristic information of each current bill in the bill combination, which is in an unexpired state;

and sending the transfer note combination scheme to at least one client terminal corresponding to the acquisition request for the transfer note combination.

In a second aspect, the present application provides a transfer presentation instrument combination pushing device comprising:

the sum subinterval dividing 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 corresponding to the monetary subintervals respectively and obtaining target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values corresponding to preset bill combinations respectively to serve as the target values; the ticket combination includes a plurality of posted tickets that are currently in an unexpired state;

and the transfer note combination acquisition module is used for selecting the smallest target value from the target values of the linear constraint models, and determining the note combination corresponding to the smallest target value as a target transfer note combination for pushing to a target user.

and a third constraint condition, which is used for representing the numerical value between 0 and 1 of the target variable.

Further, the sum subinterval dividing module divides the total sum range of the pre-acquired target bill combination into a plurality of sum subintervals, including:

the fixed number dividing unit is used for discretely dividing the total amount range of the target bill combination into preset number of amount subintervals.

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, 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.

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

correspondingly, the linear constraint model generating module generates linear constraint models corresponding to the monetary subintervals respectively, and the linear constraint model generating module comprises the following steps:

A second constraint condition determining unit, configured to determine the second constraint condition by applying the target ticket combination time range;

the first constraint condition determining unit is used for respectively generating the first constraint conditions corresponding to the amount subintervals by applying the amount subintervals;

the linear constraint model generation unit is used for respectively generating linear constraint models corresponding to the monetary subareas based on the preset objective function, the preset third constraint condition, the second constraint condition and the first constraint condition corresponding to the monetary subareas.

the combination scheme generating module is used for generating a corresponding transfer bill combination scheme according to the bill combination corresponding to the minimum value selected from the target values, wherein the transfer bill combination scheme comprises characteristic information of each current bill in the bill combination, which is in an unexpired state;

and the combined scheme pushing module is used for sending the transfer note combination scheme to at least one client terminal corresponding to the acquisition request aiming at the transfer note combination.

In a third aspect, the present application provides an electronic device, including 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 instrument combination pushing method when the program is executed.

In a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the transfer ticket combination pushing method.

According to the technical scheme, the method and the device for pushing the transfer cash notes in the combined mode, 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 corresponding to the monetary subintervals respectively, and obtaining target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values corresponding to preset bill combinations respectively to serve as the target values; the ticket combination includes a plurality of posted tickets that are currently in an unexpired state; selecting the minimum target value from the target values of the linear constraint models, determining a bill combination corresponding to the minimum target value as a target transfer bill combination for pushing to a target user, and converting the original nonlinear problem in the existing transfer bill combination acquisition mode into a linear problem, so that the efficiency of acquiring the transfer bill combination can be effectively improved on the basis of ensuring that the acquired transfer bill combination is the current optimal combination, and the same combination scheme as the nonlinear problem can be calculated and obtained in only a few milliseconds; the reliability of the transfer cash note combination process is high, and the customer requirements can be met in an optimal combination mode with the lowest selling cost through an on-line system; and then can effectively improve the accuracy, reliability and efficiency that transfer notes bill combination was pushed to bill purchaser for the bill purchaser can learn the current best transfer notes bill combination fast and accurately, and then can effectively improve bill purchaser and transfer notes bill combination purchasing's efficiency and convenience, improves 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 that are required in the embodiments or the description of the prior art will be briefly described, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

Fig. 1 is a flow diagram of a method for pushing a transfer cash ticket combination in an embodiment of the present application.

Fig. 2 is a flow chart of a method for pushing a transfer ticket combination including step 110 in an embodiment of the present application.

Fig. 3 is a flow chart of a method for pushing a transfer ticket assembly including step 120 in an embodiment of the present application.

Fig. 4 is a flow chart of a method for pushing a transfer ticket combination including step 010 in the embodiment of the present application.

Fig. 5 is a schematic flowchart of step 200 in the method for pushing the transfer notes in combination according to the embodiment of the application.

Fig. 6 is a flow chart of a method for pushing a transfer ticket

combination including steps

400 and 500 in an embodiment of the present application.

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

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

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

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

Fig. 11 is a schematic structural diagram of a transfer note 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 configuration of a transfer note combination pushing device in an embodiment of the present application.

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

Fig. 14 is a schematic view of a third structure of a transfer note combination pushing device in an embodiment of the present application.

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

Detailed Description

For the purposes of making the objects, technical solutions and advantages of the embodiments of the present application more clear, 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 apparent that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, are intended to be within the scope of the present application.

In order to solve the problems that the existing transfer note combination pushing mode cannot simultaneously consider the optimality and timeliness of the transfer note combination and further cannot realize the pushing accuracy and efficiency of a note purchaser, the application provides a transfer note combination pushing method, a transfer note combination pushing device, electronic equipment and a computer readable storage medium for realizing the transfer note combination pushing method, wherein the pre-acquired target note combination total amount range is divided into a plurality of amount subintervals; generating linear constraint models corresponding to the monetary subintervals respectively, and obtaining target values of the linear constraint models, wherein the linear constraint models are used for solving minimum values in feature summary values corresponding to preset bill combinations respectively to serve as the target values; the ticket combination includes a plurality of posted tickets that are currently in an unexpired state; selecting the minimum target value from the target values of the linear constraint models, determining a bill combination corresponding to the minimum target value as a target transfer bill combination for pushing to a target user, and converting the original nonlinear problem in the existing transfer bill combination acquisition mode into a linear problem, so that the efficiency of acquiring the transfer bill combination can be effectively improved on the basis of ensuring that the acquired transfer bill combination is the current optimal combination, and the same combination scheme as the nonlinear problem can be calculated and obtained in only a few milliseconds; the reliability of the transfer cash note combination process is high, and the customer requirements can be met in an optimal combination mode with the lowest selling cost through an on-line system; and then can effectively improve the accuracy, reliability and efficiency that transfer notes bill combination was pushed to bill purchaser for the bill purchaser can learn the current best transfer notes bill combination fast and accurately, and then can effectively improve bill purchaser and transfer notes bill combination purchasing's efficiency and convenience, improves user experience.

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

It will be appreciated that the bill combination referred to in one or more embodiments of the present application refers to a collection of any number of posted bills currently in an unexpired state, and that for ease of description, the bill combination in one or more embodiments of the present application may also be referred to as a bill package; correspondingly, the target transfer cash ticket combination mentioned in one or more embodiments of the present application refers to a ticket set which is pushed to a target user, meets the current purchase condition of the user and is currently optimal, wherein the current optimal ticket set is obtained based on the transfer cash ticket combination pushing method provided by the embodiment of the present application.

The following examples are given by way of illustration.

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

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

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

It will be appreciated that the target bill combination total amount range is used to represent a purchase price interval of bill combinations that the user desires to be able to transfer, and the target bill combination total amount range may be expressed as: [ M ] _min ，M _max ]。

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

[M _min ,M ₁ ],[M ₁ ,M ₂ ],…,[M _z ,M _max ]where z is the total number of monetary subintervals.

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

In step 200, the transfer note combination pushing device obtains a standard form of a linear constraint model in advance, where the standard form is obtained by converting an existing nonlinear model into a linear model in advance, specifically, assuming that a bank has a plurality of note stock amounts, and the amount, interest and deadline information of each note are known, an optimal transfer note combination scheme can be obtained by using a nonlinear model for representing that the weighted average of the combined note packages is minimum, and solving such a nonlinear model is usually a branch definition method, and assuming that in the case of 1000 candidate notes, it takes approximately two hours to solve the nonlinear model by using a commercial general optimization solver lingo11, which obviously cannot meet the timeliness requirement of pushing the transfer note combination to the customer on the bank line.

Based on this, the transfer note combination pushing device converts the nonlinear model into a standard form of the linear constraint model for solving a minimum value in the feature summary value corresponding to each preset note combination as the target value, but since the feature summary value can be used to represent a value such as a weighted transfer note benefit summary value, in order to ensure that the obtained transfer note combination is the current optimal combination first, it is necessary to divide the total value range of the target note combination into a plurality of value subintervals with a sufficiently small interval value in step 100, and generate the linear constraint model for each value subinterval based on the standard form in step 200.

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

In order to effectively improve efficiency of obtaining a transfer note combination, in an embodiment of the transfer note combination pushing method provided in the present application, the feature summary value in the transfer note combination pushing method includes: weighted discount rate summary values; the weighted discount rate summary value includes: the amount m of each bill in the corresponding bill combination _i Interest rate r _i Time d _i Preset target variable delta _i Where i represents the sum of the products of the ith ticket, delta _i And (3) for the variable to be solved, the value is 0 or 1, and whether the current ith bill is selected to be added into the combination is indicated. It will be appreciated that for ease of illustration, 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 the minimum value in the weighted discount interest rate summary value corresponding to each bill combination, and the method is specifically shown in the following formula (1):

when the bill package total amount

When the upper and lower limits of (2) are relatively close, i.e. M _min ≈M _max When the denominator corresponding to the question (1) is a constant, the question (1) and the question (3) are substantially equivalent, where n is the stock number of the plurality of posted notes currently in an unexpired state.

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

The weighted discount rate summary value includes: amount m _i Interest rate r _i Time d _i Preset target variable delta _i And the sum of the products of (a) is provided.

The fine tuning item includes: the amount m of each bill in the corresponding bill combination _i Target variable delta _i And the sum of the products of (a) is provided.

Correspondingly, the objective function of the linear constraint model is used for solving the minimum value in the difference value between the weighted discount interest rate summary value and the fine tuning term corresponding to each bill group, and the method is specifically shown in the following formula (2):

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

Two problems are caused by changing the form into the followingWill be closer:

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 improved.

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

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

st

wherein [ M _k ，M _k+1 ]And the sum subinterval corresponding to the current objective function and the constraint condition is obtained.

In order to effectively improve the efficiency of dividing the monetary subinterval so as 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 one embodiment of the transfer note combination pushing method, the monetary subinterval may be divided in a fixed interval number manner; the step 100 in the transfer cash note combination pushing method specifically comprises the following contents:

step 110: and discretely dividing the total sum range of the target bill into a preset number of sum subintervals.

For example, a parameter M entered by a customer may be received _min ,M _max ,D _min And D _max The method comprises the steps of carrying out a first treatment on the surface of the For interval [ M _min ,M _max ]Performing discretization subdivision, wherein the subdivision is divided into 100 amount subintervals, such as:

[M _min ,M ₁ ],[M ₁ ,M ₂ ],…,[M ₉₉ ,M _max ]。

based on the above, the method and the device divide the amount subintervals in a manner of fixing the number of intervals (for example, the 100 amount subintervals), so that stability of the solving speed of the model can be effectively guaranteed, the problem that the solving speed is reduced in production due to excessive division of the amount subintervals is solved, and further, the situation that waiting time of a user is too long and service experience is influenced due to the fact that the time requirement cannot be met can be avoided.

In order to further improve the efficiency of the amount subinterval division and improve the intelligentization degree of the amount subinterval division so as to further improve the efficiency of obtaining the transfer note combination, in an embodiment of the transfer note combination pushing method of the present application, referring to fig. 3, in one embodiment of the transfer note combination pushing method, the amount subinterval may be divided in a manner of fixing the interval amount; the step 100 in the transfer cash note combination pushing method specifically comprises the following contents:

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

In order to effectively improve the intelligentization degree of the transfer note combination pushing, and improve the convenience for a user to obtain the transfer note combination, in an embodiment of the transfer note combination pushing method of the present application, referring to fig. 4, in one embodiment of the transfer note combination pushing method, before step 100 in the transfer note combination pushing method, the following is further specifically included:

Step 010: and acquiring an acquisition request aiming at the transfer cash note combination, wherein the acquisition request comprises a target note combination time range and a target note combination total amount range.

Correspondingly, referring to fig. 5, step 200 in the transfer note combination pushing method specifically includes the following:

step 210: and determining the second constraint condition by applying the target bill combination time range.

Step 220: and respectively generating the first constraint conditions corresponding to the amount subintervals by applying the amount subintervals.

Step 230: and generating linear constraint models respectively corresponding to the amount subintervals respectively based on the preset objective function, the preset third constraint condition, the second constraint condition and the first constraint condition respectively corresponding to the amount subintervals.

With respect to the foregoing, in an embodiment of the method for pushing a transfer note combination of the present application, referring to fig. 6, in one embodiment of the method for pushing a transfer note combination, after step 300 in the method for pushing a transfer note combination, the following is specifically included:

step 400: and generating a corresponding transfer bill combination scheme according to the bill combination corresponding to the minimum value selected from the target values, wherein the transfer bill combination scheme comprises the characteristic information of the current bill in the bill combination, which is in an unexpired state.

Step 500: and sending the transfer note combination scheme to at least one client terminal corresponding to the acquisition request for the transfer note combination.

It will be appreciated that the characteristic information includes a unique identification of the item on which it has been posted, the current transaction status, amount, interest rate, and deadline, among other information that is indicative of the current characteristics of the item.

It can be appreciated that the acquisition request for the transfer note combination can be sent to the transfer note combination pushing device by the target user through the client terminal held by the target user, and the manager can also send the acquisition request for the transfer note combination to the transfer note combination pushing device by himself based on the requirement of the target user, so that the transfer note combination can be pushed timely and intelligently to a potential client who purchases the user for a long time or has a purchase requirement, and further the transaction convenience of the transfer note combination can be effectively increased.

Based on the above, if the acquisition request for the transfer note combination is sent by the target user, the transfer note combination pushing device may directly send the transfer note combination scheme to the application program in the client terminal of the target user after generating the transfer note combination scheme corresponding to the acquisition request, so as to facilitate the target user to check the transfer note combination scheme from the application program, and directly perform the note purchasing operation for the transfer note combination scheme in the application program, thereby effectively improving user experience, and effectively improving the efficiency and convenience of the user for transfer note combination purchase.

And if the acquisition request for the transfer note combination is sent by a manager, the transfer note combination pushing device may first read the identifier of the client terminal of the corresponding at least one target user from the acquisition request after generating the transfer note combination scheme corresponding to the acquisition request; and then the transfer bill combination scheme is sent to the client terminal of the corresponding at least one target user according to the identification, and the transfer bill combination scheme can be sent to the client terminal of the manager, so that the manager operates the client terminal to push the transfer bill combination scheme to the client terminal of the at least one target user, and the transfer bill combination can be timely and intelligently pushed to potential customers who purchase users for a long time or have purchase demands, and further the transaction convenience of the transfer bill combination can be effectively increased.

In order to further explain the scheme, the application also provides a specific application example of the transfer cash note combination pushing method, and the specific application example of the application relates to the use of a nonlinear-to-discretization linear method for solving the problem of too slow calculation of the optimal solution, and relates to the artificial intelligence technology; the transfer cash note combined pushing method specifically comprises the following steps:

Assuming that a bank has n notes, the sum, interest rate and deadline of each note are respectively m _i r _i d _i An optimal combination can be found by solving the following model.

st(5)

Wherein M is _min And M _max Upper and lower limits of total amount of bill package required by customer, D _min And D _max There is a required upper and lower limit on the deadline of each ticket for the customer. Delta _i And (3) for the variable to be solved, the value is 0 or 1, and whether the current ith bill is selected to be added into the combination is indicated.

The first part of the model equation (4) is an objective function that is a nonlinear function that indicates that the weighted average discount rate of the combined ticket bundles is minimal. Equation (5) is a constraint; the total amount representing the combined bundle of notes must be within the customer-defined range, and the deadline for each note is also within the customer-requested interval. The constraints are linear. This is a typical nonlinear 0-1 constraint programming problem. Typically solving such models is a branch definition method. In the case of 1000 candidate notes, solving the above model using a commercial generic optimization solver lingo11 takes approximately two hours, which obviously cannot meet the on-line timeliness requirement. The main reason is that the objective function of the model is a nonlinear function and a nonlinear monotonic function brings inconvenience to the search of the solution.

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

the constraint is unchanged. When the bill package total amount

When the upper and lower limits of (2) are relatively close, i.e. M _min ≈M _max When the denominator corresponding to the formula (4) is a constant, the formulas (1) and (4) are substantially equivalent. At this time, if a fine tuning term is added in the formula (1)>

The two problems will be closer if the following is changed:

and the formula (2) is used for replacing the formula (4) to obtain the optimal solution, so that the calculation speed can be greatly improved.

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

1) Accept parameter M input by customer _min ,M _max ,D _min And D _max

2) For interval [ M _min ,M _max ]Performing discretization subdivision, and subdividing into 100 cells, such as:

[M _min ,M ₁ ],[M ₁ ,M ₂ ],…,[M ₉₉ ,M _max ]

3) Modeling each of these hundred intervals:

4) The 100 models are solved in turn by the pulp program to obtain 100 target values { O } _k }；

5) Let o=min { O } _k The optimal solution under the } is taken as the optimal solution of the whole problem, and the solution is taken as the client combined bill.

The specific flow of the fast and optimal combination method of the transfer notes is shown in fig. 7, and specifically includes the following contents:

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

s102: discretizing the total bill sum interval into 100 adjacent communities;

S103: establishing a 0-1 linear constraint model for each cell;

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

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

The fast optimal combination system of the transfer notes for implementing the fast optimal combination method of the transfer notes is shown in fig. 8, wherein the client input parameter module 1 is used for executing S101; the model building and solving module 2 is configured to perform S102 to S105 described above; the calculation result returning module 3 is used for combining the best bill group package according to the model solving result and presenting the best bill group package to the client 4.

In one specific example, 1000 stock notes are selected as candidate sets, simulating customer input M _min =900 ten thousand, M _max =1000 ten thousand, D _min =300 days, D _max =500 days; solving equation (4) and 100 equations (2) after the transformation decomposition using lingo11 and pulp, respectively, gave the results shown in table 1 below.

TABLE 1

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It can be seen that the solution speed of commercial software is faster than that of open source software Pulp under normal conditions. However, as can be seen from the results, even the link 11 solves a globally optimal solution of a nonlinear equation (4) for 1.85 hours, while Pulp solves 100 equations (2) for only 0.05s. And the global optimal solutions obtained by the two solutions are identical. The problem that the optimal group package on the line cannot be on the line due to too low calculation speed is solved. The new transfer cash note combination pushing method can bring greater benefits and efficiency to a certain bank.

For software aspect, in order to 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 further effectively improve the accuracy and efficiency of transfer note combination pushing for a note buyer, the application provides an embodiment of a transfer note combination pushing device for realizing all or part of contents in the transfer note combination pushing method, referring to fig. 9, the transfer note combination pushing device specifically includes the following contents:

and the sum subinterval dividing module 10 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 20 is configured to generate linear constraint models corresponding to the monetary subintervals respectively, and obtain target values of the linear constraint models, where the linear constraint models are used to solve a minimum value in feature summary values corresponding to preset bill combinations respectively as the target values; the ticket combination includes a plurality of posted tickets that are currently in an unexpired state.

The transfer note combination obtaining module 30 is configured to select a smallest target value from the target values of the linear constraint models, and determine a note combination corresponding to the smallest target value as a target transfer note combination for pushing to a target user.

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

On this basis, in order to be able to further improve the accuracy of obtaining the transfer note combination on the basis of effectively improving the efficiency of obtaining the transfer note combination, further guarantee the optimization degree of transfer note combination, in an embodiment of the transfer note combination pusher provided in this application, the feature summary value in the transfer note combination pusher includes: the difference between the weighted discount rate summary value and a predetermined fine tuning term. The weighted discount rate summary value includes: sum of products of sum, interest rate, deadline and preset target variables of each bill in the corresponding bill combination; the fine tuning item includes: sum of products of the respective notes in the corresponding note combination and the target variable; correspondingly, the objective function of the linear constraint model is used for solving the minimum value in the difference value between the weighted discount interest rate summary value and the fine tuning item corresponding to each bill group.

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

In order to effectively improve the efficiency of dividing the monetary subintervals so as to further improve the efficiency of acquiring the transfer note combinations, in an embodiment of the transfer note combination pushing device of the present application, referring to fig. 10, in one embodiment of the transfer note combination pushing device, the monetary subintervals may be divided in a fixed interval number manner; the money subinterval dividing module 10 in the transfer cash note combination pushing device specifically comprises the following contents:

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

In order to further improve the efficiency of the amount subinterval division and improve the intelligentization degree of the amount subinterval division so as to further improve the efficiency of obtaining the transfer note combination, in an embodiment of the transfer note combination pushing device of the present application, referring to fig. 11, in an embodiment of the transfer note combination pushing device, the amount subinterval may be divided in a manner of fixing the interval amount; the money subinterval dividing module 10 in the transfer cash note combination 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 subintervals based on a preset amount span threshold, so that a difference value between an upper limit value and a lower limit value in each of the amount subintervals is smaller than or equal to the amount span threshold.

In order to effectively improve the intelligentization degree of transfer note combination pushing, improve the convenience of obtaining transfer note combination by a user, in an embodiment of the transfer note combination pushing device of the present application, see fig. 12, in one embodiment of the transfer note combination pushing device, the transfer note combination pushing device further specifically includes the following contents:

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

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

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

And a first constraint condition determining unit 22, configured to apply each of the amount subintervals to generate the first constraint condition corresponding to each of the amount subintervals.

A linear constraint model generating unit 23, configured to generate a linear constraint model corresponding to each of the monetary subintervals based on the preset objective function, the preset third constraint condition, the second constraint condition, and the first constraint condition corresponding to each of the monetary subintervals.

In view of the foregoing, in an embodiment of the present application, referring to fig. 14, in one embodiment of the present application, the present application further specifically includes the following contents in the present application:

A combination scheme generating module 40, configured to generate a corresponding transfer note combination scheme according to a note combination corresponding to the minimum value selected from the target values, where the transfer note combination scheme includes feature information of each of the attached notes currently in an unexpired state in the note combination;

and the combined scheme pushing module 50 is configured to send the transfer note combination scheme to at least one client terminal corresponding to the acquisition request for the transfer note combination.

As can be seen from the above description, the transfer note combination pushing device provided by the embodiment of the present application converts the original nonlinear problem in the existing transfer note combination obtaining manner into a linear problem, so that the efficiency of obtaining the transfer note combination can be effectively improved on the basis of ensuring that the obtained transfer note combination is the current optimal combination, and the combination scheme with the same nonlinear problem can be obtained by calculation in only a few milliseconds; the reliability of the transfer cash note combination process is high, and the customer requirements can be met in an optimal combination mode with the lowest selling cost through an on-line system; and then can effectively improve the accuracy, reliability and efficiency that transfer notes bill combination was pushed to bill purchaser for the bill purchaser can learn the current best transfer notes bill combination fast and accurately, and then can effectively improve bill purchaser and transfer notes bill combination purchasing's efficiency and convenience, improves user experience.

For the hardware aspect, in order to effectively improve the efficiency of acquiring the transfer note combination on the basis of ensuring that the acquired transfer note combination is the current optimal combination, and further effectively improve the accuracy and efficiency of transfer note combination pushing for a note purchaser, the application provides an embodiment of an electronic device for realizing all or part of contents in the transfer note combination pushing method, wherein the electronic device 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 communication with each other through the bus; the communication interface is used for realizing information transmission between the electronic equipment and related equipment such as the user terminal, the related database and the like; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, etc., and the embodiment is not limited thereto. In this embodiment, the electronic device may refer to an embodiment of the method for pushing a transfer note combination in the embodiment, and an embodiment of the transfer note combination pushing device is implemented, and the contents thereof are incorporated herein, and are not repeated here.

Fig. 15 is a schematic block diagram of a system configuration of the electronic device 9600 of the embodiment of the present application. As shown in fig. 15, the electronic device 9600 may 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 structures to implement telecommunications functions or other functions.

In one embodiment, the transfer presentation instrument combination push function may be integrated into the central processor. Wherein the central processor may be configured to control:

Based on the above, the sum subintervals can divide the total sum range of the target bill combination into a plurality of subintervals in sequence from small to large.

As can be seen from the above description, the electronic device provided in the embodiment of the present application converts the original nonlinear problem in the existing method for obtaining the transfer note combination into the linear problem, so that the efficiency of obtaining the transfer note combination can be effectively improved on the basis of ensuring that the obtained transfer note combination is the current optimal combination, and the combination scheme similar to the nonlinear problem can be obtained by calculation in only a few milliseconds; the reliability of the transfer cash note combination process is high, and the customer requirements can be met in an optimal combination mode with the lowest selling cost through an on-line system; and then can effectively improve the accuracy, reliability and efficiency that transfer notes bill combination was pushed to bill purchaser for the bill purchaser can learn the current best transfer notes bill combination fast and accurately, and then can effectively improve bill purchaser and transfer notes bill combination purchasing's efficiency and convenience, improves 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 implemented under 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 need not include all of the components shown in fig. 15; in addition, the electronic device 9600 may further include components not shown in fig. 15, and reference may be made to the related art.

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

The memory 9140 may 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 about failure may be stored, and a program for executing the information may be stored. And the central processor 9100 can execute the program stored in the memory 9140 to realize information storage or processing, and the like.

The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, but not limited to, an LCD display.

The memory 9140 may be a solid state memory such as Read Only Memory (ROM), random Access Memory (RAM), SIM card, etc. But also a memory which holds information even when powered down, can be selectively erased and provided with further data, an example of which is sometimes referred to as EPROM or the like. The memory 9140 may also be some other type of device. The 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 storing application programs and function programs or a flow for executing operations of the electronic device 9600 by the central processor 9100.

The memory 9140 may also include a data store 9143, the data store 9143 for storing 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 of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, address book applications, etc.).

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

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, etc., 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 to receive audio input from the microphone 9132 to implement usual telecommunications functions. The audio processor 9130 can include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100 so that sound can be recorded locally through the microphone 9132 and sound stored locally can be played through the speaker 9131.

The embodiments of the present application further provide a computer readable storage medium capable of implementing all the steps in the transfer ticket combination pushing method in the above embodiments, 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 in the transfer ticket combination pushing method in the above embodiments that the execution subject is a server or a client, for example, the processor implements the following steps when executing the computer program:

As can be seen from the above description, the computer readable storage medium provided in the embodiments of the present application converts the original nonlinear problem in the existing transfer note combination obtaining manner into a linear problem, so that the efficiency of obtaining the transfer note combination can be effectively improved on the basis of ensuring that the obtained transfer note combination is the current optimal combination, and the combination scheme with the same nonlinear problem can be obtained by calculation in only a few milliseconds; the reliability of the transfer cash note combination process is high, and the customer requirements can be met in an optimal combination mode with the lowest selling cost through an on-line system; and then can effectively improve the accuracy, reliability and efficiency that transfer notes bill combination was pushed to bill purchaser for the bill purchaser can learn the current best transfer notes bill combination fast and accurately, and then can effectively improve bill purchaser and transfer notes bill combination purchasing's efficiency and convenience, improves user experience.

It will be apparent to those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 principles and embodiments of the present invention have been described in detail with reference to specific examples, which are provided to facilitate understanding of the method and core ideas of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.

Claims

1. The method for pushing the transfer cash notes in combination is characterized by comprising the following steps of:

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

the feature summary value includes: the weighted discount rate summary value or the difference between the weighted discount rate summary value and a preset fine tuning term;

The constraint conditions corresponding to the objective function of the linear constraint model comprise:

a first constraint condition, which is used for indicating that the sum of the products of the sum of the bills and the target variable in the corresponding bill combination is in the corresponding sum subinterval;

2. The transfer slip combination pushing method of claim 1, wherein when the feature summary values comprise weighted interest rate summary values, an objective function of the linear constraint model is used to solve for a minimum in the weighted interest rate summary values for each of the slip combinations.

3. The transfer slip combination pushing method of claim 1, wherein when the feature summary value comprises a difference between a weighted slip summary value and a preset trim term, an objective function of the linear constraint model is used to solve for a minimum value in the difference between the weighted slip summary value and the trim term for each respective one of the slip groups.

4. The transfer note combination pushing method as claimed in claim 1, wherein the dividing the pre-acquired target note combination total amount range into a plurality of amount subintervals includes:

5. The transfer note combination pushing method as claimed in claim 1, wherein the dividing the pre-acquired target note combination total amount range into a plurality of amount subintervals includes:

6. A transfer note combination pushing method as claimed in claim 2 or 3, further comprising, before said dividing the pre-acquired target note combination total amount range into a plurality of amount subintervals:

7. The transfer note combination pushing method as claimed in claim 6, further comprising, after the determining the note combination corresponding to the minimum target value as the target transfer note combination for pushing to the target user:

8. A transfer presentation instrument combination pushing device, comprising:

the transfer cash note combination acquisition module is used for selecting a minimum target value from target values of the linear constraint models, and determining a note combination corresponding to the minimum target value as a target transfer cash note combination for pushing to a target user;

9. The transfer notes combination pushing device of claim 8, wherein when the feature summary values include weighted notes summary values, an objective function of the linear constraint model is used to solve for a minimum in the weighted notes combination summary values for each respective notes combination.

10. The transfer slip combination pushing device of claim 8, wherein when the feature summary value comprises a difference between a weighted slip summary value and a preset trim term, an objective function of the linear constraint model is used to solve for a minimum value in the difference between the weighted slip summary value and the trim term for each respective one of the slip groups.

11. The transfer note combination pushing device of claim 8, wherein the amount subinterval dividing module divides a pre-acquired target note combination total amount range into a plurality of amount subintervals, comprising:

12. The transfer note combination pushing device of claim 8, wherein the amount subinterval dividing module divides a pre-acquired target note combination total amount range into a plurality of amount subintervals, comprising:

13. The transfer note combination pushing device according to claim 9 or 10, further comprising, before the dividing the pre-acquired target note combination total amount range into a plurality of amount subintervals:

14. The transfer slip combination pushing device of claim 13, further comprising, after the determining the slip combination corresponding to the minimum target value as the target transfer slip combination for pushing to the target user:

15. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the transfer presentation instrument combination pushing method of any of claims 1 to 7 when the program is executed by the processor.

16. A computer readable storage medium having stored thereon a computer program, characterized in that the computer program, when executed by a processor, implements the steps of the transfer presentation instrument combination pushing method of any of claims 1 to 7.