CN111738826A - Method and device for identifying abnormal bank charging parameters - Google Patents

Method and device for identifying abnormal bank charging parameters Download PDF

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Publication number
CN111738826A
CN111738826A CN202010554590.8A CN202010554590A CN111738826A CN 111738826 A CN111738826 A CN 111738826A CN 202010554590 A CN202010554590 A CN 202010554590A CN 111738826 A CN111738826 A CN 111738826A
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charging
parameter
checked
value
type
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王玲芳
沈建宾
郭海球
刘悦
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Abstract

The invention provides a method and a device for identifying abnormal bank charging parameters, wherein the method comprises the following steps: acquiring a set value of a charge parameter to be checked and a parameter type corresponding to the charge parameter to be checked; obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset; and if the set value of the charge parameter to be checked is judged to be not matched with the calculated value of the charge parameter to be checked, determining that the charge parameter to be checked is abnormal. The device is used for executing the method. The method and the device for identifying the abnormal bank charging parameters improve the checking efficiency of the charging parameters to be checked.

Description

Method and device for identifying abnormal bank charging parameters
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a device for identifying abnormal bank charging parameters.
Background
At present, commercial banks' profits mainly come from poor interest in loan and intermediate business charges, which are divided into public business charges and personal business charges, different loans involve different loan interest rates, and different businesses also involve different rates.
In the prior art, the most common calculation method for charging business by a bank is to multiply the transaction amount by a corresponding rate to obtain a fee amount, wherein the rate refers to the rate of paying the fee for a certain business, such as the rate of paying the fee to the bank by a business client who generates cross-border remittance. The rate of charging the business by the bank is determined by a plurality of conditions such as products, regions, money amounts, customers and the like, but when the rate of the bank is actually set, the rate is manually set mainly by experience, so that the risk of charging errors caused by manual setting errors exists, and the manually set rate is rechecked manually, so that the efficiency is low and the cost is high.
Disclosure of Invention
For solving the problems in the prior art, embodiments of the present invention provide a method and an apparatus for identifying an abnormal bank charging parameter, which can at least partially solve the problems in the prior art.
On one hand, the invention provides a method for identifying the abnormity of the bank charging parameters, which comprises the following steps:
acquiring a set value of a charge parameter to be checked and a parameter type corresponding to the charge parameter to be checked;
obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset;
and if the set value of the charge parameter to be checked is judged to be not matched with the calculated value of the charge parameter to be checked, determining that the charge parameter to be checked is abnormal.
In another aspect, the present invention provides an apparatus for identifying an abnormal bank charging parameter, including:
the system comprises an acquisition unit, a verification unit and a verification unit, wherein the acquisition unit is used for acquiring a set value of a charging parameter to be checked and a parameter type corresponding to the charging parameter to be checked;
the acquisition unit is used for acquiring a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset;
and the judging unit is used for determining that the to-be-checked charging parameter is abnormal after judging that the set value of the to-be-checked charging parameter is not matched with the calculated value of the to-be-checked charging parameter.
In another aspect, the present invention provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the steps of the method for identifying an abnormal bank charging parameter according to any one of the above embodiments.
In yet another aspect, the present invention provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor implements the steps of the method for identifying an abnormality in a bank charging parameter according to any one of the above embodiments.
The method and the device for identifying the abnormal bank charging parameters can acquire the set value of the charging parameter to be checked and the parameter type corresponding to the charging parameter to be checked, acquire the calculated value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type, determine that the charging parameter to be checked is abnormal after judging that the set value of the charging parameter to be checked is not matched with the calculated value of the charging parameter to be checked, realize the automatic check of the charging parameter to be checked, and improve the check efficiency of the charging parameter to be checked.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart illustrating a method for identifying an abnormal bank charging parameter according to an embodiment of the present invention.
Fig. 2 is a flowchart illustrating a method for identifying an abnormal bank charging parameter according to another embodiment of the present invention.
Fig. 3 is a schematic structural diagram of a system for identifying an abnormal bank charging parameter according to an embodiment of the present invention.
Fig. 4 is a schematic structural diagram of an apparatus for identifying an abnormal bank charging parameter according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of an apparatus for identifying an abnormal bank charging parameter according to another embodiment of the present invention.
Fig. 6 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. When a customer uses a product or service provided by a bank, the bank charges according to the product or service, charges according to a charging mode agreed with the customer in advance, and receives the income of the intermediate business of the bank, so that the customer successfully uses the bank to provide the service, namely the bank finishes one-time charging for the customer. For example, the customer uses a money transfer product provided by a bank that charges the customer for a money transfer based on the amount of money transferred by the customer. The charging parameters of the bank need to be adjusted according to actual conditions, such as national policy adjustment or industry competition needs. The bank charging parameters are numerous, so that errors are difficult to be avoided when the parameters are manually set, and aiming at the problem, the embodiment of the invention provides the method for identifying the abnormal charging parameters of the bank, which can identify the abnormal charging parameters so as to correct the abnormal charging parameters.
Fig. 1 is a schematic flow chart of a method for identifying an abnormal bank charging parameter according to an embodiment of the present invention, and as shown in fig. 1, the method for identifying an abnormal bank charging parameter according to an embodiment of the present invention includes:
s101, acquiring a set value of a charging parameter to be checked and a parameter type corresponding to the charging parameter to be checked;
specifically, when the charging parameter needs to be adjusted, the value of the charging parameter is manually set to obtain the set value of the charging parameter, and the set value of the charging parameter which is manually set needs to be checked to identify whether the set value of the charging parameter which is manually set is accurate, wherein the charging parameter which needs to be checked is the charging parameter to be checked. The server may obtain a set value of the charge parameter to be checked. Each charging parameter corresponds to a parameter type, which may include a fixed charging type, a proportional charging type, and a fractional charging type. The server can also obtain the parameter type corresponding to the charging parameter to be checked. In this case, the adjustment of the charging parameters is usually performed in advance and is effective at a specified date in the future. The execution subject of the identification method for the bank charging parameter abnormity provided by the embodiment of the invention comprises but is not limited to a server.
S102, obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset;
specifically, after the server obtains the set value of the to-be-checked charging parameter and the parameter type corresponding to the to-be-checked charging parameter, the server can obtain the calculation value of the to-be-checked charging parameter according to the set value of the to-be-checked charging parameter, the historical data of the to-be-checked charging parameter and the charging parameter calculation formula corresponding to the parameter type. The charging parameter calculation formula corresponding to the parameter type is preset, and may include a charging parameter calculation formula corresponding to a fixed charging type, a charging parameter calculation formula corresponding to a proportional charging type, and a charging parameter calculation formula corresponding to a segment charging type. The historical data of the charging parameter to be checked may include values used by the charging parameter over a period of time in the past, and a historical period of time for each value used.
For example, when the parameter type corresponding to the charging parameter to be checked is a fixed charging type, the server may obtain a calculation value of the charging parameter to be checked according to a setting value of the charging parameter to be checked, historical data of the charging parameter to be checked, and a charging parameter calculation formula corresponding to the fixed charging type; when the parameter type corresponding to the charging parameter to be checked is a proportional charging type, the parameter to be checked may include an upper charging amount limit, a lower charging amount limit, and a charging ratio, and the server may obtain a calculation value of the upper charging amount limit, a calculation value of the lower charging amount limit, and a calculation value of the charging ratio according to a setting value of the charging ratio, historical data of the charging parameter to be checked, and a charging parameter calculation formula corresponding to the proportional charging type.
S103, if the set value of the to-be-checked fee parameter is judged to be not matched with the calculated value of the to-be-checked fee parameter, determining that the to-be-checked fee parameter is abnormal.
Specifically, after obtaining the calculated value of the charging parameter to be checked, the server compares the set value of the charging parameter to be checked with the calculated value of the charging parameter to be checked, and if the absolute value of the difference between the set value of the charging parameter to be checked and the calculated value of the charging parameter to be checked is less than or equal to a parameter threshold, the set value of the charging parameter to be checked is matched with the calculated value of the charging parameter to be checked, which indicates that the set value of the charging parameter to be checked is accurate and no abnormality exists; if the absolute value of the difference value between the set value of the charging parameter to be checked and the calculated value of the charging parameter to be checked is larger than the parameter threshold, the set value of the charging parameter to be checked is not matched with the calculated value of the charging parameter to be checked, which indicates that the set value of the charging parameter to be checked is inaccurate, and the charging parameter to be checked is abnormal and needs to be corrected. The parameter threshold is set according to actual experience, and the embodiment of the present invention is not limited. It will be appreciated that for different to-be-checked charging parameters, the corresponding parameter thresholds may be different.
The method for identifying the abnormal bank charging parameters can acquire the set value of the charging parameters to be checked and the parameter types corresponding to the charging parameters to be checked, obtain the calculation values of the charging parameters to be checked according to the set value of the charging parameters to be checked, the historical data of the charging parameters to be checked and the charging parameter calculation formulas corresponding to the parameter types, determine that the charging parameters to be checked are abnormal after judging that the set value of the charging parameters to be checked is not matched with the calculation values of the charging parameters to be checked, realize the automatic check of the charging parameters to be checked, and improve the check efficiency of the charging parameters to be checked. In addition, the set value of the charging parameter to be checked is checked through the calculated value of the charging parameter to be checked, which is obtained based on the historical data of the charging parameter to be checked, so that the accuracy of checking the charging parameter is improved.
On the basis of the above embodiments, further, the parameter type is a fixed charging type; correspondingly, the obtaining of the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type includes:
obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the fixed charging type; wherein, the charging parameter calculation formula corresponding to the fixed charging type is as follows:
Figure BDA0002543842370000051
wherein, Fn+1Represents a calculated value of said charging parameter to be checked, TjDenotes the jth historical period, FjFixed charge amount, T, representing jth historical time periodn+1Denotes the next time period, FxSet value, W, representing said charging parameter to be checked1And W2Represents a weight, and W1+W2J is a positive integer and j is less than or equal to n, n being a positive integer.
Specifically, the type corresponding to the charging parameter to be checked may be a fixed charging type, or a charging parameter of a fixed charging type, which may also be referred to as a fixed charging parameter. The products that are part of the bank may be charged using fixed charging parameters. With market changes and competition in the same industry, the value of the fixed charging parameter can be adjusted to meet the needs of actual conditions.
When the type corresponding to the charging parameter to be checked is the fixed charging type, the server can obtain the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the fixed charging type. The historical data of the charging parameters to be checked comprises used numerical values of the charging parameters to be checked in a past period of time and a historical period of time corresponding to each used numerical value. The past period of time may be divided into n historical time periods, which are set according to actual needs, and the embodiment of the present invention is not limited.
The charging parameter calculation formula corresponding to the fixed charging type is as follows:
Figure BDA0002543842370000061
wherein, Fn+1Represents a calculated value of said charging parameter to be checked, TjDenotes the jth historical period, FjFixed charge amount, T, representing jth historical time periodn+1Denotes the next time period, FxSet value, W, representing said charging parameter to be checked1And W2Represents a weight, and W1+W2J is a positive integer and j is less than or equal to n, n being a positive integer. Weight W1And W2The setting can be performed according to practical experience, and the embodiment of the invention is not limited. The next time period is preset, for example, 1 month, and is set according to actual needs, which is not limited in the embodiment of the present invention.
For example, the server obtains the set value of the charging parameter to be checked as FxAnd obtaining a certain product of the bank in the area A for a certain time period T1The fixed charge amount is F1At T1Last time period T2The fixed charge amount is F2At T2Last time period T3The internal fixed charging amount is F3And so on at Tn-1Last time period TnThe fixed charge amount is FnThen F can be set according to the set value of the charge parameter to be checkedx、T1To TnAnd (3) calculating a calculation value of the charging parameter to be checked according to the fixed charging amount in the time period and the formula (1).
On the basis of the above embodiments, further, the parameter type is a proportional charging type, and the charging parameter to be checked includes an upper charging amount limit, a lower charging amount limit, and a charging ratio; correspondingly, the obtaining of the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type includes:
obtaining a calculation value of the upper limit of the charging amount, a calculation value of the lower limit of the charging amount and a calculation value of the charging ratio according to the set value of the charging ratio, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the proportional charging type; wherein, the charging parameter calculation formula corresponding to the proportion charging type is as follows:
Figure BDA0002543842370000062
Figure BDA0002543842370000063
Figure BDA0002543842370000071
wherein, Pm+1A calculated value, T, representing said charge rateiIndicates the ith history period, PiRepresents the charging ratio, T, of the ith historical periodm+1Denotes the next time period, PxSet value representing said charging ratio, α1And α2Represents a weight, and α1+α2＝1，Mm+1A calculation value representing an upper limit of said charge amount, MiUpper limit value of charging amount T representing ith history periodm-maxHistorical time period corresponding to historical maximum value representing upper limit of charging amount, Nm+1A calculation value representing a lower limit of said charge amount, NiLower limit value of charging amount T representing ith history periodm-minAnd a history time period corresponding to the history maximum value of the lower limit of the charging amount, wherein i is a positive integer, m is less than or equal to m, and m is a positive integer.
Specifically, the type corresponding to the charging parameter to be checked may be a proportional charging type, the charging parameter of the proportional charging type may be referred to as a proportional charging parameter, and the proportional charging parameter may include a charging amount upper limit, a charging amount lower limit, and a charging ratio. The amount to be charged can be calculated according to the product of the transaction amount of the product and the charging proportion, and if the amount to be charged is larger than the upper limit of the charging amount, the charging is carried out according to the upper limit of the charging amount; if the amount to be charged is less than the lower limit of the charged amount, charging according to the lower limit of the charged amount; and if the amount to be charged is greater than or equal to the lower limit of the charged amount and less than or equal to the upper limit of the charged amount, charging according to the amount to be charged. For example, the charge parameter of the overseas remittance procedure fee is a proportional charge parameter, and when the transaction amount of the overseas remittance is large, the charge calculated according to the charge ratio is large, and when the transaction amount of the overseas remittance is small, the charge calculated according to the charge ratio is small, so the upper limit and the lower limit of the charge amount of the overseas remittance procedure fee are generally set.
When the type corresponding to the charging parameter to be checked is a proportional charging type, the server may obtain a calculation value of the upper limit of the charging amount, a calculation value of the lower limit of the charging amount, and a calculation value of the charging ratio according to the setting value of the charging ratio, the history data of the charging parameter to be checked, and the charging parameter calculation formula corresponding to the proportional charging type. The historical data of the proportional charging parameter may include charging proportions, upper limits of charging amounts, and lower limits of charging amounts of m historical time periods, which are set according to actual needs, and embodiments of the present invention are not limited.
Wherein, the charging parameter calculation formula corresponding to the proportion charging type is as follows:
Figure BDA0002543842370000072
Figure BDA0002543842370000081
Figure BDA0002543842370000082
wherein, Pm+1A calculated value, T, representing said charge rateiIndicates the ith history period, PiRepresents the charging ratio, T, of the ith historical periodm+1Denotes the next time period, PxIndicating the setting of said charging rateValue, α1And α2Represents a weight, and α1+α2＝1，Mm+1A calculation value representing an upper limit of said charge amount, MiUpper limit value of charging amount T representing ith history periodm-maxHistorical time period corresponding to historical maximum value representing upper limit of charging amount, Nm+1A calculation value representing a lower limit of said charge amount, NiLower limit value of charging amount T representing ith history periodm-minA history time period corresponding to a history maximum value representing a lower limit of the charge amount, i being a positive integer, i being equal to or less than m, m being a positive integer, weight α1And α2The setting can be performed according to practical experience, and the embodiment of the invention is not limited. The value of m is set according to actual needs, and the embodiment of the invention is not limited.
For example, the server obtains the setting value of the charging parameter to be checked as PxAnd obtaining a certain product in the area B for a certain time period T1Inner charging rate of P1The upper limit of the charged amount is M1The lower limit of the charged amount is N1(ii) a At T1Last time period T2Inner charging rate of P2The upper limit of the charged amount is M2The lower limit of the charged amount is N2(ii) a At T2Last time period T3Inner charging rate of P3The upper limit of the charged amount is M3The lower limit of the charged amount is N3(ii) a By analogy, at Tm-1Last time period TmInner charging rate of PmThe upper limit of the charged amount is MmThe lower limit of the charged amount is NmThen, according to the set value of said charging ratio, T1To TmThe charging rate in the time period and the calculation value of the charging rate of the product in the area B calculated by the formula (2) can be calculated according to T1To TmCalculating the upper limit of the charge amount of the product in the area B according to the upper limit of the charge amount in the time period and the formula (3), wherein the upper limit of the charge amount of the product in the area B can be calculated according to the T1To TmAnd (4) calculating the calculation value of the lower limit of the charging amount of the product in the area B according to the lower limit of the charging amount in the time period and the formula (4).
On the basis of the above embodiments, further, the parameter type is a section charging type, and the charging parameter to be checked includes H section charging proportions and H-1 section transaction limits; wherein H is a positive integer greater than or equal to 2; correspondingly, the obtaining of the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type includes:
obtaining the calculated values of H segmented charging proportions and H-1 segmented transaction limits according to the set values of the H segmented charging proportions, the historical data of the charging parameters to be checked and the charging parameter calculation formula corresponding to the segmented charging type; wherein, the charging parameter calculation formula corresponding to the segmented charging type is as follows:
Figure BDA0002543842370000091
Figure BDA0002543842370000092
wherein Q isuIndicating the calculated value of the u-th charging rate, TkDenotes the k-th history period, DukA u-th charging scale value, T, representing a k-th historical time periodz+1Denotes the next time period, DuxSetting value indicating the charging rate of the u-th segment, β1And β2Represents a weight, and β1+β2＝1，CsA calculated value representing the s-th fractional transaction limit, CskAn s-th segmented transaction quota value, T, representing a k-th historical time periods-maxAnd representing the historical time period corresponding to the historical maximum value of the s-th segmented trading limit, wherein k is a positive integer and is less than or equal to z, z is a positive integer, u is a positive integer and is less than or equal to H, and s is a positive integer and is less than or equal to H-1.
Specifically, the parameter type corresponding to the charging parameter to be checked may be a segmented charging type, the charging parameter of the segmented charging type may be referred to as a segmented charging parameter, the segmented charging parameter may include H segmented charging ratios and H-1 segmented transaction limits, and the charging parameter to be checked may be the segmented charging parameter. The transaction limit may be divided into H charging intervals based on H-1 fractional transactions, with each fractional charging ratio corresponding to a charging interval. For example, large remittance, if the fee is charged by using the proportional charging parameter, it is difficult to satisfy the charging requirements for different large remittance amounts. In order to avoid causing customer dissatisfaction, the charging may be performed using a segment charging parameter. For example, a remittance amount of less than 1 ten thousand dollars may charge 10% of the commission fee, a remittance amount of 1 ten thousand dollars to 5 ten thousand dollars may charge 8% of the commission fee, and a remittance amount of greater than 5 ten thousand dollars may charge 6% of the commission fee. Wherein H is a positive integer of 2 or more.
When the parameter type corresponding to the charging parameter to be checked is a segmented charging type, the server may obtain calculated values of H segmented charging ratios and H-1 segmented transaction limits according to setting values of H segmented charging ratios, historical data of the charging parameter to be checked, and a charging parameter calculation formula corresponding to the segmented charging type. The historical data of the segment charging parameters may include segment charging ratios and segment transaction limits of z historical time periods, which are set according to actual needs, and embodiments of the present invention are not limited.
Wherein, the charging parameter calculation formula corresponding to the segmented charging type is as follows:
Figure BDA0002543842370000093
Figure BDA0002543842370000101
wherein Q isuIndicating the calculated value of the u-th charging rate, TkDenotes the k-th history period, DukA u-th charging scale value, T, representing a k-th historical time periodz+1Denotes the next time period, DuxSetting value indicating the charging rate of the u-th segment, β1And β2The weight is represented by a weight that is,and β1+β2＝1，CsA calculated value representing the s-th fractional transaction limit, CskAn s-th segmented transaction quota value, T, representing a k-th historical time periods-maxThe historical time period corresponding to the historical maximum value of the s-th segmented transaction limit is represented, k is a positive integer and is less than or equal to z, z is a positive integer, u is a positive integer and is less than or equal to H, s is a positive integer and is less than or equal to H-1. the value of z is set according to actual needs, and the weight β is not limited in the embodiment of the invention1And β2The setting can be performed according to practical experience, and the embodiment of the invention is not limited. The value of H is set according to actual needs, and the embodiment of the present invention is not limited.
For example, suppose that product X has three charging intervals and the number of charging intervals is not changed for different historical time periods, i.e., H is 3. Product X at a certain location for a certain period of time T1The transaction occurrence amount is 0 to C11In a charge rate of D11The transaction occurrence amount is C11To C21In a charge rate of D21The amount of transaction occurring is greater than C21In a charge rate of D31. At T1Last time period T2The transaction occurrence amount is 0 to C12In a charge rate of D12The transaction occurrence amount is C12To C22In a charge rate of D22The amount of transaction occurring is greater than C22In a charge rate of D32. At T2Last time period T3The transaction occurrence amount is 0 to C13In a charge rate of D13The transaction occurrence amount is C13To C23In a charge rate of D23The amount of transaction occurring is greater than C23In a charge rate of D33(ii) a By analogy, at Tz-1Last time period TzThe transaction occurrence amount is 0 to C1zIn a charge rate of D1zThe transaction occurrence amount is C1zTo C2zIn a charge rate of D2zThe amount of transaction occurring is greater than C2zIn a charge rate of D3z. There are 3 fractional charge ratios and 2 fractional transaction limits per historical time period. Wherein D is11、D21And D31Is a time period T1Fractional charging of C11And C21Is a time period T1The fractional transaction limit of (a); d12、D22And D32Is a time period T2Fractional charging of C12And C22Is a time period T2The fractional transaction limit of (a); d13、D23And D33Is a time period T3Fractional charging of C13And C23Is a time period T3The fractional transaction limit of (a); by analogy, D1z、D2zAnd D3zIs a time period TzFractional charging of C1zAnd C2zIs a time period TzThe fractional transaction limit of (1).
The server can be based on the set value of the 3 fractional charging rates, T1To TzThe section charging ratio in each time period in the time period and formula (5) respectively calculate the calculated values of 3 section charging ratios of the product X in a certain area as follows:
Figure BDA0002543842370000111
Figure BDA0002543842370000112
Figure BDA0002543842370000113
can be according to T1To TzThe calculated values of the 2 segmental transaction limits of the product X in a certain area are respectively:
Figure BDA0002543842370000114
Figure BDA0002543842370000115
fig. 2 is a schematic flow chart of a method for identifying an abnormal bank charging parameter according to another embodiment of the present invention, as shown in fig. 2, based on the foregoing embodiments, further, the method for identifying an abnormal bank charging parameter according to an embodiment of the present invention further includes:
s201, after the charging parameter to be checked is determined to be abnormal, the charging parameter to be checked is added to an abnormal parameter list.
Specifically, the server may add the to-be-checked charge parameter to an abnormality parameter list including the to-be-checked charge parameter that has been determined to be abnormal, after determining that the to-be-checked charge parameter is abnormal.
S202, charging parameter abnormal alarm information is sent, and the charging parameter abnormal alarm information carries the abnormal parameter list.
Specifically, the server may send the charging parameter abnormality alarm information to the bank related person in a manner of an email, a short message, or a system message, so that the bank related person can process the abnormal charging parameter. And the charging parameter abnormal alarm information carries the abnormal parameter list.
Fig. 3 is a schematic structural diagram of a system for identifying an abnormal bank charging parameter according to an embodiment of the present invention, and as shown in fig. 3, the system for identifying an abnormal bank charging parameter according to an embodiment of the present invention includes a charging parameter management module 301, a charging parameter synchronization module 302, a charging parameter control module 303, a charging parameter monitoring module 304, and a charging parameter reminding module 305, where:
the charging parameter management module 301 is connected to the charging parameter synchronization module 302, the charging parameter synchronization module 302 is respectively connected to the charging parameter control module 303 and the charging parameter monitoring module 304, and the charging parameter monitoring module 304 is connected to the charging parameter reminding module 305.
The charging parameter management module 301 provides a charging parameter management function, and a bank parameter manager can add, adjust, query and delete the charging parameter through the charging parameter management module 301. For example, the bank parameter manager may input a setting value of the charging parameter, and the charging parameter management module 301 uses the setting value of the charging parameter as the setting value of the charging parameter to be checked. The charging parameter management module 301 may perform validity check on the setting value of the input charging parameter, that is, check whether the format and length of the setting value are valid.
The charging parameter management module 301 may send the set value of the charging parameter to be checked to the charging parameter synchronization module 302, and the charging parameter synchronization module 302 may send the set value of the charging parameter to be checked to the charging parameter control module 303 and the charging parameter monitoring module 304.
The charging parameter control module 303 obtains a calculation value of the charging parameter to be checked according to the setting value of the charging parameter to be checked, the historical data of the charging parameter to be checked, and the charging parameter calculation formula corresponding to the parameter type. And the charging parameter calculation formula corresponding to the parameter type is preset. Specifically, the charging parameter control module 303 may be configured to obtain a calculation value of the charging parameter to be checked according to the setting value of the charging parameter to be checked, the historical data of the charging parameter to be checked, and the charging parameter calculation formula corresponding to the fixed charging type; the charging parameter control module 303 may be configured to obtain a calculation value of the upper limit of the charging amount, a calculation value of the lower limit of the charging amount, and a calculation value of the charging ratio according to the setting value of the charging ratio, the historical data of the charging parameter to be checked, and a charging parameter calculation formula corresponding to the proportional charging type; the charging parameter control module 303 may be configured to obtain calculated values of H fractional charging and H-1 fractional transaction limits according to the setting values of H fractional charging, the historical data of the charging parameters to be checked, and the charging parameter calculation formula corresponding to the fractional charging type. The charging parameter control module 303 may calculate the calculated value of the charging parameter to be checked at a preset time, for example, 1 am.
The charging parameter control module 303 sends the calculated value of the charging parameter to be checked to the charging parameter synchronization module 302, and the charging parameter synchronization module 302 sends the calculated value of the charging parameter to be checked to the charging parameter monitoring module 304.
After receiving the set value of the charging parameter to be checked and the calculated value of the charging parameter to be checked, the charging parameter monitoring module 304 determines whether the set value of the charging parameter to be checked matches the calculated value of the charging parameter to be checked, and if it is determined that the set value of the charging parameter to be checked does not match the calculated value of the charging parameter to be checked, it determines that the charging parameter to be checked is abnormal. The billing parameter monitoring module 304 may also add the billing parameter to be checked to an exception parameter list after determining that the billing parameter to be checked is abnormal.
The charging parameter monitoring module 304 may send the abnormal parameter list to the charging parameter reminding module 305, and the charging parameter reminding module 305 may send charging parameter abnormal alarm information to the bank parameter manager by way of mail, short message and system notification. Wherein, the charging parameter abnormal alarm information carries the constant parameter list.
For the bank parameter manager, the management of the charging parameter is only needed through the management function of the charging parameter provided by the charging parameter management module 301, and the identification system for the bank charging parameter abnormality provided by the embodiment of the invention is invisible to other modules except the charging parameter management module 301 and the charging parameter prompting module 305, so that the workload of the bank parameter manager can be reduced, and the working efficiency can be improved.
Fig. 4 is a schematic structural diagram of an apparatus for identifying an abnormal bank charging parameter according to an embodiment of the present invention, and as shown in fig. 4, the apparatus for identifying an abnormal bank charging parameter according to an embodiment of the present invention includes an obtaining unit 401, an obtaining unit 402, and a determining unit 403, where:
the obtaining unit 401 is configured to obtain a set value of a charging parameter to be checked and a parameter type corresponding to the charging parameter to be checked; the obtaining unit 402 is configured to obtain a calculation value of the charging parameter to be checked according to the setting value of the charging parameter to be checked, the historical data of the charging parameter to be checked, and the charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset; the judging unit 403 is configured to determine that the charging parameter to be checked is abnormal after judging that the set value of the charging parameter to be checked is not matched with the calculated value of the charging parameter to be checked.
Specifically, when the charging parameter needs to be adjusted, the value of the charging parameter is manually set to obtain the set value of the charging parameter, and the set value of the charging parameter which is manually set needs to be checked to identify whether the set value of the charging parameter which is manually set is accurate, wherein the charging parameter which needs to be checked is the charging parameter to be checked. The acquisition unit 401 may acquire the set value of the charge parameter to be checked. Each charging parameter corresponds to a parameter type, which may include a fixed charging type, a proportional charging type, and a fractional charging type. The obtaining unit 401 may further obtain a parameter type corresponding to the charging parameter to be checked. In this case, the adjustment of the charging parameters is usually performed in advance and is effective at a specified date in the future.
After obtaining the set value of the charging parameter to be checked and the parameter type corresponding to the charging parameter to be checked, the obtaining unit 402 may obtain the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the history data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type. The charging parameter calculation formula corresponding to the parameter type is preset, and may include a charging parameter calculation formula corresponding to a fixed charging type, a charging parameter calculation formula corresponding to a proportional charging type, and a charging parameter calculation formula corresponding to a segment charging type. The historical data of the charging parameter to be checked may include values used by the charging parameter over a period of time in the past, and a historical period of time for each value used.
After obtaining the calculated value of the charging parameter to be checked, the determining unit 403 may compare the set value of the charging parameter to be checked with the calculated value of the charging parameter to be checked, and if the absolute value of the difference between the set value of the charging parameter to be checked and the calculated value of the charging parameter to be checked is less than or equal to a parameter threshold, the set value of the charging parameter to be checked is matched with the calculated value of the charging parameter to be checked, which indicates that the set value of the charging parameter to be checked is accurate and there is no abnormality; if the absolute value of the difference value between the set value of the charging parameter to be checked and the calculated value of the charging parameter to be checked is larger than the parameter threshold, the set value of the charging parameter to be checked is not matched with the calculated value of the charging parameter to be checked, which indicates that the set value of the charging parameter to be checked is inaccurate, and the charging parameter to be checked is abnormal and needs to be corrected. The parameter threshold is set according to actual experience, and the embodiment of the present invention is not limited. It will be appreciated that for different to-be-checked charging parameters, the corresponding parameter thresholds may be different.
The device for identifying the abnormal bank charging parameters, provided by the embodiment of the invention, can acquire the set value of the charging parameter to be checked and the parameter type corresponding to the charging parameter to be checked, obtain the calculated value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type, determine that the charging parameter to be checked is abnormal after judging that the set value of the charging parameter to be checked is not matched with the calculated value of the charging parameter to be checked, realize the automatic check of the charging parameter to be checked, and improve the check efficiency of the charging parameter to be checked. In addition, the set value of the charging parameter to be checked is checked through the calculated value of the charging parameter to be checked, which is obtained based on the historical data of the charging parameter to be checked, so that the accuracy of checking the charging parameter is improved.
On the basis of the above embodiments, further, the parameter type is a fixed charging type; accordingly, the obtaining unit 402 is specifically configured to:
obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the fixed charging type; wherein, the charging parameter calculation formula corresponding to the fixed charging type is as follows:
Figure BDA0002543842370000141
wherein, Fn+1Represents a calculated value of said charging parameter to be checked, TjDenotes the jth historical period, FjFixed charge amount, T, representing jth historical time periodn+1Denotes the next time period, FxSet value, W, representing said charging parameter to be checked1And W2Represents a weight, and W1+W2J is a positive integer and j is less than or equal to n, n being a positive integer.
Specifically, the type corresponding to the charging parameter to be checked may be a fixed charging type, or a charging parameter of a fixed charging type, which may also be referred to as a fixed charging parameter. The products that are part of the bank may be charged using fixed charging parameters. With market changes and competition in the same industry, the value of the fixed charging parameter can be adjusted to meet the needs of actual conditions.
When the type corresponding to the charging parameter to be checked is the fixed charging type, the obtaining unit 402 may obtain the calculation value of the charging parameter to be checked according to the setting value of the charging parameter to be checked, the historical data of the charging parameter to be checked, and the charging parameter calculation formula corresponding to the fixed charging type. The historical data of the charging parameters to be checked comprises used numerical values of the charging parameters to be checked in a past period of time and a historical period of time corresponding to each used numerical value. The past period of time may be divided into n historical time periods, which are set according to actual needs, and the embodiment of the present invention is not limited.
The charging parameter calculation formula corresponding to the fixed charging type is as follows:
Figure BDA0002543842370000151
wherein，Fn+1Represents a calculated value of said charging parameter to be checked, TjDenotes the jth historical period, FjFixed charge amount, T, representing jth historical time periodn+1Denotes the next time period, FxSet value, W, representing said charging parameter to be checked1And W2Represents a weight, and W1+W2J is a positive integer and j is less than or equal to n, n being a positive integer. Weight W1And W2The setting can be performed according to practical experience, and the embodiment of the invention is not limited. The next time period is preset, for example, 1 month, and is set according to actual needs, which is not limited in the embodiment of the present invention.
On the basis of the above embodiments, further, the parameter type is a proportional charging type, and the charging parameter to be checked includes an upper charging amount limit, a lower charging amount limit, and a charging ratio; accordingly, the obtaining unit 402 is specifically configured to:
obtaining a calculation value of the upper limit of the charging amount, a calculation value of the lower limit of the charging amount and a calculation value of the charging ratio according to the set value of the charging ratio, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the proportional charging type; wherein, the charging parameter calculation formula corresponding to the proportion charging type is as follows:
Figure BDA0002543842370000161
Figure BDA0002543842370000162
Figure BDA0002543842370000163
wherein, Pm+1A calculated value, T, representing said charge rateiIndicates the ith history period, PiRepresents the charging ratio, T, of the ith historical periodm+1Denotes the next time period, PxRepresents the collectionSet value of fee ratio, α1And α2Represents a weight, and α1+α2＝1，Mm+1A calculation value representing an upper limit of said charge amount, MiUpper limit value of charging amount T representing ith history periodm-maxHistorical time period corresponding to historical maximum value representing upper limit of charging amount, Nm+1A calculation value representing a lower limit of said charge amount, NiLower limit value of charging amount T representing ith history periodm-minAnd a history time period corresponding to the history maximum value of the lower limit of the charging amount, wherein i is a positive integer, m is less than or equal to m, and m is a positive integer.
Specifically, the type corresponding to the charging parameter to be checked may be a proportional charging type, the charging parameter of the proportional charging type may be referred to as a proportional charging parameter, and the proportional charging parameter may include a charging amount upper limit, a charging amount lower limit, and a charging ratio. The amount to be charged can be calculated according to the product of the transaction amount of the product and the charging proportion, and if the amount to be charged is larger than the upper limit of the charging amount, the charging is carried out according to the upper limit of the charging amount; if the amount to be charged is less than the lower limit of the charged amount, charging according to the lower limit of the charged amount; and if the amount to be charged is greater than or equal to the lower limit of the charged amount and less than or equal to the upper limit of the charged amount, charging according to the amount to be charged. For example, the charge parameter of the overseas remittance procedure fee is a proportional charge parameter, and when the transaction amount of the overseas remittance is large, the charge calculated according to the charge ratio is large, and when the transaction amount of the overseas remittance is small, the charge calculated according to the charge ratio is small, so the upper limit and the lower limit of the charge amount of the overseas remittance procedure fee are generally set.
When the type corresponding to the charging parameter to be checked is a proportional charging type, the obtaining unit 402 may obtain a calculated value of the upper limit of the charging amount, a calculated value of the lower limit of the charging amount, and a calculated value of the charging ratio according to the set value of the charging ratio, the historical data of the charging parameter to be checked, and the charging parameter calculation formula corresponding to the proportional charging type. The historical data of the proportional charging parameter may include charging proportions, upper limits of charging amounts, and lower limits of charging amounts of m historical time periods, which are set according to actual needs, and embodiments of the present invention are not limited.
Wherein, the charging parameter calculation formula corresponding to the proportion charging type is as follows:
Figure BDA0002543842370000171
Figure BDA0002543842370000172
Figure BDA0002543842370000173
wherein, Pm+1A calculated value, T, representing said charge rateiIndicates the ith history period, PiRepresents the charging ratio, T, of the ith historical periodm+1Denotes the next time period, PxSet value representing said charging ratio, α1And α2Represents a weight, and α1+α2＝1，Mm+1A calculation value representing an upper limit of said charge amount, MiUpper limit value of charging amount T representing ith history periodm-maxHistorical time period corresponding to historical maximum value representing upper limit of charging amount, Nm+1A calculation value representing a lower limit of said charge amount, NiLower limit value of charging amount T representing ith history periodm-minA history time period corresponding to a history maximum value representing a lower limit of the charge amount, i being a positive integer, i being equal to or less than m, m being a positive integer, weight α1And α2The setting can be performed according to practical experience, and the embodiment of the invention is not limited. The value of m is set according to actual needs, and the embodiment of the invention is not limited.
On the basis of the above embodiments, further, the parameter type is a section charging type, and the charging parameter to be checked includes H section charging proportions and H-1 section transaction limits; wherein H is a positive integer greater than or equal to 2; accordingly, the obtaining unit 402 is specifically configured to:
obtaining the calculated values of H segmented charging proportions and H-1 segmented transaction limits according to the set values of the H segmented charging proportions, the historical data of the charging parameters to be checked and the charging parameter calculation formula corresponding to the segmented charging type; wherein, the charging parameter calculation formula corresponding to the segmented charging type is as follows:
Figure BDA0002543842370000174
Figure BDA0002543842370000175
wherein Q isuIndicating the calculated value of the u-th charging rate, TkDenotes the k-th history period, DukA u-th charging scale value, T, representing a k-th historical time periodz+1Denotes the next time period, DuxSetting value indicating the charging rate of the u-th segment, β1And β2Represents a weight, and β1+β2＝1，CsA calculated value representing the s-th fractional transaction limit, CskAn s-th segmented transaction quota value, T, representing a k-th historical time periods-maxAnd representing the historical time period corresponding to the historical maximum value of the s-th segmented trading limit, wherein k is a positive integer and is less than or equal to z, z is a positive integer, u is a positive integer and is less than or equal to H, and s is a positive integer and is less than or equal to H-1.
Specifically, the parameter type corresponding to the charging parameter to be checked may be a segmented charging type, the charging parameter of the segmented charging type may be referred to as a segmented charging parameter, the segmented charging parameter may include H segmented charging ratios and H-1 segmented transaction limits, and the charging parameter to be checked may be the segmented charging parameter. The transaction limit may be divided into H charging intervals based on H-1 fractional transactions, with each fractional charging ratio corresponding to a charging interval. For example, large remittance, if the fee is charged by using the proportional charging parameter, it is difficult to satisfy the charging requirements for different large remittance amounts. In order to avoid causing customer dissatisfaction, the charging may be performed using a segment charging parameter. For example, a remittance amount of less than 1 ten thousand dollars may charge 10% of the commission fee, a remittance amount of 1 ten thousand dollars to 5 ten thousand dollars may charge 8% of the commission fee, and a remittance amount of greater than 5 ten thousand dollars may charge 6% of the commission fee. Wherein H is a positive integer of 2 or more.
When the parameter type corresponding to the charging parameter to be checked is a section charging type, the obtaining unit 402 may obtain calculated values of H section charging ratios and H-1 section transaction limits according to the setting values of H section charging ratios, the historical data of the charging parameter to be checked, and the charging parameter calculation formula corresponding to the section charging type. The historical data of the segment charging parameters may include segment charging ratios and segment transaction limits of z historical time periods, which are set according to actual needs, and embodiments of the present invention are not limited.
Wherein, the charging parameter calculation formula corresponding to the segmented charging type is as follows:
Figure BDA0002543842370000181
Figure BDA0002543842370000182
wherein Q isuIndicating the calculated value of the u-th charging rate, TkDenotes the k-th history period, DukA u-th charging scale value, T, representing a k-th historical time periodz+1Denotes the next time period, DuxSetting value indicating the charging rate of the u-th segment, β1And β2Represents a weight, and β1+β2＝1，CsA calculated value representing the s-th fractional transaction limit, CskAn s-th segmented transaction quota value, T, representing a k-th historical time periods-maxRepresenting the historical time period corresponding to the historical maximum value of the s-th segmented trading limit, wherein k is a positive integer and is less than or equal to z, z is a positive integer, u is a positive integer and u is smallThe values of H or H, s is a positive integer and s is less than or equal to H-1. z are set according to actual needs, and the embodiment of the invention is not limited in any way1And β2The setting can be performed according to practical experience, and the embodiment of the invention is not limited. The value of H is set according to actual needs, and the embodiment of the present invention is not limited.
Fig. 5 is a schematic structural diagram of an apparatus for identifying an abnormal bank charge parameter according to another embodiment of the present invention, as shown in fig. 5, on the basis of the foregoing embodiments, further, the apparatus for identifying an abnormal bank charge parameter according to an embodiment of the present invention further includes an adding unit 404 and a sending unit 405, where:
an adding unit 404 for adding the charging parameter to be checked to an abnormal parameter list after determining that the charging parameter to be checked is abnormal; the sending unit 405 is configured to send charging parameter abnormality alarm information, where the charging parameter abnormality alarm information carries the abnormal parameter list.
Specifically, after determining that the charge parameter to be checked is abnormal, the adding unit 404 may add the charge parameter to be checked to an abnormal parameter list including the charge parameter to be checked that has been determined to be abnormal.
The sending unit 405 may send the charging parameter abnormality alarm information to the bank related personnel by means of mail, short message, or system message, so that the bank related personnel can process the abnormal charging parameter. And the charging parameter abnormal alarm information carries the abnormal parameter list.
The embodiment of the server provided in the embodiment of the present invention may be specifically configured to execute the processing flows of the above method embodiments, and the functions of the embodiment are not described herein again, and refer to the detailed description of the above method embodiments.
Fig. 6 is a schematic physical structure diagram of an electronic device according to an embodiment of the present invention, and as shown in fig. 6, the electronic device may include: a processor (processor)601, a communication Interface (Communications Interface)602, a memory (memory)603 and a communication bus 604, wherein the processor 601, the communication Interface 602 and the memory 603 complete communication with each other through the communication bus 604. The processor 601 may call logic instructions in the memory 603 to perform the following method: acquiring a set value of a charge parameter to be checked and a parameter type corresponding to the charge parameter to be checked; obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset; and if the set value of the charge parameter to be checked is judged to be not matched with the calculated value of the charge parameter to be checked, determining that the charge parameter to be checked is abnormal.
In addition, the logic instructions in the memory 603 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic instructions are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The present embodiment discloses a computer program product comprising a computer program stored on a non-transitory computer readable storage medium, the computer program comprising program instructions which, when executed by a computer, enable the computer to perform the method provided by the above-mentioned method embodiments, for example, comprising: acquiring a set value of a charge parameter to be checked and a parameter type corresponding to the charge parameter to be checked; obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset; and if the set value of the charge parameter to be checked is judged to be not matched with the calculated value of the charge parameter to be checked, determining that the charge parameter to be checked is abnormal.
The present embodiment provides a computer-readable storage medium, which stores a computer program, where the computer program causes the computer to execute the method provided by the above method embodiments, for example, the method includes: acquiring a set value of a charge parameter to be checked and a parameter type corresponding to the charge parameter to be checked; obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset; and if the set value of the charge parameter to be checked is judged to be not matched with the calculated value of the charge parameter to be checked, determining that the charge parameter to be checked is abnormal.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, 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 (systems), 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.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (12)

1. A method for identifying abnormal bank charging parameters is characterized by comprising the following steps:
acquiring a set value of a charge parameter to be checked and a parameter type corresponding to the charge parameter to be checked;
obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset;
and if the set value of the charge parameter to be checked is judged to be not matched with the calculated value of the charge parameter to be checked, determining that the charge parameter to be checked is abnormal.
2. The method of claim 1, wherein the parameter type is a fixed-charge type; correspondingly, the obtaining of the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type includes:
obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the fixed charging type; wherein, the charging parameter calculation formula corresponding to the fixed charging type is as follows:
Figure FDA0002543842360000011
wherein, Fn+1Represents a calculated value of said charging parameter to be checked, TjDenotes the jth historical period, FjFixed charge amount, T, representing jth historical time periodn+1Represents the next oneTime period, FxSet value, W, representing said charging parameter to be checked1And W2Represents a weight, and W1+W2J is a positive integer and j is less than or equal to n, n being a positive integer.
3. The method according to claim 1, characterized in that said parameter type is a proportional charging type, said charging parameters to be checked including an upper charging amount limit, a lower charging amount limit and a charging rate; correspondingly, the obtaining of the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type includes:
obtaining a calculation value of the upper limit of the charging amount, a calculation value of the lower limit of the charging amount and a calculation value of the charging ratio according to the set value of the charging ratio, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the proportional charging type; wherein, the charging parameter calculation formula corresponding to the proportion charging type is as follows:
Figure FDA0002543842360000021
Figure FDA0002543842360000022
Figure FDA0002543842360000023
wherein, Pm+1A calculated value, T, representing said charge rateiIndicates the ith history period, PiRepresents the charging ratio, T, of the ith historical periodm+1Denotes the next time period, PxSet value representing said charging ratio, α1And α2Represents a weight, and α1+α2＝1，Mm+1A calculation value representing an upper limit of said charge amount, MiUpper limit value of charging amount T representing ith history periodm-maxHistorical time period corresponding to historical maximum value representing upper limit of charging amount, Nm+1A calculation value representing a lower limit of said charge amount, NiLower limit value of charging amount T representing ith history periodm-minAnd a history time period corresponding to the history maximum value of the lower limit of the charging amount, wherein i is a positive integer, m is less than or equal to m, and m is a positive integer.
4. The method according to claim 1, wherein the parameter type is a section charging type, and the charging parameters to be checked include H section charging ratios and H-1 section transaction limits; wherein H is a positive integer greater than or equal to 2; correspondingly, the obtaining of the calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and the charging parameter calculation formula corresponding to the parameter type includes:
obtaining the calculated values of H segmented charging proportions and H-1 segmented transaction limits according to the set values of the H segmented charging proportions, the historical data of the charging parameters to be checked and the charging parameter calculation formula corresponding to the segmented charging type; wherein, the charging parameter calculation formula corresponding to the segmented charging type is as follows:
Figure FDA0002543842360000024
Figure FDA0002543842360000025
wherein Q isuIndicating the calculated value of the u-th charging rate, TkDenotes the k-th history period, DukA u-th charging scale value, T, representing a k-th historical time periodz+1Denotes the next time period, DuxSetting value indicating the charging rate of the u-th segment, β1And β2Represents a weight, and β1+β2＝1，CsA calculated value representing the s-th fractional transaction limit, CskAn s-th segmented transaction quota value, T, representing a k-th historical time periods-maxAnd representing the historical time period corresponding to the historical maximum value of the s-th segmented trading limit, wherein k is a positive integer and is less than or equal to z, z is a positive integer, u is a positive integer and is less than or equal to H, and s is a positive integer and is less than or equal to H-1.
5. The method of any of claims 1 to 4, further comprising:
after determining that the to-be-checked fee parameter is abnormal, adding the to-be-checked fee parameter to an abnormal parameter list;
and sending charging parameter abnormal alarm information which carries the abnormal parameter list.
6. An apparatus for identifying anomalies in bank toll parameters, comprising:
the system comprises an acquisition unit, a verification unit and a verification unit, wherein the acquisition unit is used for acquiring a set value of a charging parameter to be checked and a parameter type corresponding to the charging parameter to be checked;
the acquisition unit is used for acquiring a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the parameter type; the charging parameter calculation formula corresponding to the parameter type is preset;
and the judging unit is used for determining that the to-be-checked charging parameter is abnormal after judging that the set value of the to-be-checked charging parameter is not matched with the calculated value of the to-be-checked charging parameter.
7. The apparatus of claim 6, wherein the parameter type is a fixed-charge type; correspondingly, the obtaining unit is specifically configured to:
obtaining a calculation value of the charging parameter to be checked according to the set value of the charging parameter to be checked, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the fixed charging type; wherein, the charging parameter calculation formula corresponding to the fixed charging type is as follows:
Figure FDA0002543842360000031
wherein, Fn+1Represents a calculated value of said charging parameter to be checked, TjDenotes the jth historical period, FjFixed charge amount, T, representing jth historical time periodn+1Denotes the next time period, FxSet value, W, representing said charging parameter to be checked1And W2Represents a weight, and W1+W2J is a positive integer and j is less than or equal to n, n being a positive integer.
8. The apparatus according to claim 6, wherein the parameter type is a proportional charging type, and the charging parameters to be checked include an upper charging amount limit, a lower charging amount limit, and a charging rate; correspondingly, the obtaining unit is specifically configured to:
obtaining a calculation value of the upper limit of the charging amount, a calculation value of the lower limit of the charging amount and a calculation value of the charging ratio according to the set value of the charging ratio, the historical data of the charging parameter to be checked and a charging parameter calculation formula corresponding to the proportional charging type; wherein, the charging parameter calculation formula corresponding to the proportion charging type is as follows:
Figure FDA0002543842360000041
Figure FDA0002543842360000042
Figure FDA0002543842360000043
wherein, Pm+1A calculated value, T, representing said charge rateiIndicates the ith history period, PiRepresents the charging ratio, T, of the ith historical periodm+1Denotes the next time period, PxSet value representing said charging ratio, α1And α2Represents a weight, and α1+α2＝1，Mm+1A calculation value representing an upper limit of said charge amount, MiUpper limit value of charging amount T representing ith history periodm-maxHistorical time period corresponding to historical maximum value representing upper limit of charging amount, Nm+1A calculation value representing a lower limit of said charge amount, NiLower limit value of charging amount T representing ith history periodm-minAnd a history time period corresponding to the history maximum value of the lower limit of the charging amount, wherein i is a positive integer, m is less than or equal to m, and m is a positive integer.
9. The apparatus of claim 6, wherein the parameter type is a section charging type, and the charging parameter to be checked includes H section charging ratios and H-1 section transaction limits; wherein H is a positive integer greater than or equal to 2; correspondingly, the obtaining unit is specifically configured to:
obtaining the calculated values of H segmented charging proportions and H-1 segmented transaction limits according to the set values of the H segmented charging proportions, the historical data of the charging parameters to be checked and the charging parameter calculation formula corresponding to the segmented charging type; wherein, the charging parameter calculation formula corresponding to the segmented charging type is as follows:
Figure FDA0002543842360000044
Figure FDA0002543842360000051
wherein Q isuIndicating the calculated value of the u-th charging rate, TkDenotes the k-th history period, DukRepresenting the u-th segment of the k-th historical periodCharge ratio value, Tz+1Denotes the next time period, DuxSetting value indicating the charging rate of the u-th segment, β1And β2Represents a weight, and β1+β2＝1，CsA calculated value representing the s-th fractional transaction limit, CskAn s-th segmented transaction quota value, T, representing a k-th historical time periods-maxAnd representing the historical time period corresponding to the historical maximum value of the s-th segmented trading limit, wherein k is a positive integer and is less than or equal to z, z is a positive integer, u is a positive integer and is less than or equal to H, and s is a positive integer and is less than or equal to H-1.
10. The apparatus of any one of claims 6 to 9, further comprising:
an adding unit for adding the charging parameter to be checked to an abnormal parameter list after determining that the charging parameter to be checked is abnormal;
and the sending unit is used for sending charging parameter abnormal alarm information, and the charging parameter abnormal alarm information carries the abnormal parameter list.
11. 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 steps of the method according to any of claims 1 to 5 are implemented when the computer program is executed by the processor.
12. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 5.
CN202010554590.8A 2020-06-17 2020-06-17 Method and device for identifying abnormal bank charging parameters Pending CN111738826A (en)

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Application Number Priority Date Filing Date Title
CN202010554590.8A CN111738826A (en) 2020-06-17 2020-06-17 Method and device for identifying abnormal bank charging parameters

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Publication Number Publication Date
CN111738826A true CN111738826A (en) 2020-10-02

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