CN111768298A - Transaction data quota determining method, device, equipment and medium - Google Patents
Transaction data quota determining method, device, equipment and medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a method, a device, equipment and a medium for determining transaction data quota. The method comprises the following steps: acquiring a transaction request sent by a small and micro enterprise user, wherein the transaction request carries identification information of the small and micro enterprise user; generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to the power supply end for indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction; and determining the transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal. The embodiment of the invention determines the transaction data limit provided for the small and micro enterprise user through the electricity utilization information which cannot be modified, so that the determined transaction data limit is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution is reduced.
Description
Technical Field
The embodiment of the invention relates to the technical field of Internet, in particular to a method, a device, equipment and a medium for determining transaction data quota.
Background
The small micro-enterprise is a general name of small enterprises, micro-enterprises, family workshop-type enterprises and individual industrial and commercial enterprises, and mainly comprises three standards, namely, the total amount of assets, the industrial enterprise does not exceed 3000 ten thousand yuan, and other enterprises do not exceed 1000 ten thousand yuan; secondly, the number of workers is not more than 100 in industrial enterprises and not more than 80 in other enterprises; third, tax index, the annual income amount should pay tax does not exceed 100 ten thousand yuan. "meeting these three standards is the small micro profit enterprise in tax.
Currently, small and micro enterprise users generally support self survival and development through financing. Because the small and micro enterprise user does not disclose the financial statement, when a financial institution (such as a bank) receives the transaction request submitted by the small and micro enterprise user for loan, the transaction data limit corresponding to the transaction request is determined mainly according to the information of the small and micro enterprise user, such as sales volume, balance condition, tax data and the like.
However, the information such as sales, balance and tax data of the small and micro enterprise user can be modified by human, so that the determined transaction data quota provided to the small and micro enterprise user is not consistent with the real operation capability of the small and micro enterprise user, and the risk of loan of the financial institution is increased.
Disclosure of Invention
The embodiment of the invention provides a method, a device, equipment and a medium for determining a transaction data quota, which are used for determining the transaction data quota provided for a small and micro enterprise user through the electricity utilization information which cannot be modified, so that the determined transaction data quota is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution is reduced.
In a first aspect, an embodiment of the present invention provides a method for determining a transaction data amount, including:
acquiring a transaction request sent by a small and micro enterprise user, wherein the transaction request carries identification information of the small and micro enterprise user;
generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply end for indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction;
and determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
In a second aspect, an embodiment of the present invention further provides a device for determining a transaction data amount, including:
the system comprises a transaction request acquisition module, a transaction request processing module and a transaction processing module, wherein the transaction request acquisition module is used for acquiring a transaction request sent by a small micro enterprise user, and the transaction request carries identification information of the small micro enterprise user;
the acquisition request generating module is used for generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, sending the power utilization information acquisition instruction to a power supply end and indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction;
and the quota determining module is used for determining the transaction data quota provided for the small and micro enterprise user according to the power utilization information returned by the power supply end.
In a third aspect, an embodiment of the present invention further provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors implement the transaction data quota determining method according to any one of the embodiments of the invention.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements any one of the transaction data quota determining methods in the embodiments of the present invention.
The technical scheme disclosed by the embodiment of the invention has the following beneficial effects:
the method comprises the steps of generating a power utilization information acquisition instruction according to identification information in a transaction request sent by a small and micro enterprise user, sending the power utilization information acquisition instruction to a power supply end so that the power supply end returns power utilization information, and then determining a transaction data quota provided for the small and micro enterprise user according to the power utilization information returned by the power supply end. Therefore, the transaction data quota provided for the small and micro enterprise user is determined through the electricity utilization information which cannot be modified, so that the determined transaction data quota is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution is reduced.
Drawings
FIG. 1 is a flowchart illustrating a method for determining transaction data quota according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a method for determining transaction data quota according to a second embodiment of the present invention;
FIG. 3 is a flowchart illustrating a method for determining transaction data quota according to a third embodiment of the present invention;
FIG. 4 is a flowchart illustrating a transaction data quota determining method according to a fourth embodiment of the present invention;
FIG. 5 is a flowchart illustrating a method for determining a transaction data amount according to a fifth embodiment of the present invention;
FIG. 6 is a schematic structural diagram of a transaction data quota determining apparatus according to a sixth embodiment of the present invention;
fig. 7 is a schematic structural diagram of an electronic device according to a seventh embodiment of the present invention.
Detailed Description
The embodiments of the present invention will be described in further detail with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of and not restrictive on the broad invention. It should be further noted that, for convenience of description, only some structures, not all structures, relating to the embodiments of the present invention are shown in the drawings.
The following describes a transaction data quota determining method, apparatus, device and medium according to an embodiment of the present invention in detail with reference to the accompanying drawings.
Example one
Fig. 1 is a flowchart illustrating a method for determining a transaction data quota according to an embodiment of the present invention. The embodiment can be applied to a scenario of determining to provide transaction data lines for small micro-enterprise users, and the method can be executed by a transaction data line determination device, which can be composed of hardware and/or software and can be integrated in electronic equipment. As shown in fig. 1, the method specifically includes the following steps:
s101, a transaction request sent by a small and micro enterprise user is obtained, wherein the transaction request carries identification information of the small and micro enterprise user.
In the embodiment of the invention, the transaction request sent by the small micro-enterprise user refers to a transaction data quota request, preferably a loan transaction request.
The identification information of the small and micro enterprise user is information for uniquely determining the identity of the small and micro enterprise user. For example, the name of the small micro business or the code of the small micro business, etc., and is not particularly limited herein.
Optionally, for the survival and development of the enterprise, the user of the small and micro enterprise can enter a loan application interface by logging in a financial institution service platform, fill in information of the small and micro enterprise, and select information such as a small and micro enterprise fast loan business authorization agreement, a personal credit investigation authorization, a cloud and electronic loan enterprise authorization agreement. After the small and micro enterprise user completes information filling and selection and triggers submission operation, the electronic equipment with the financial institution service platform can acquire the transaction request sent by the small and micro enterprise user. In the embodiment of the present invention, the information of the small micro enterprise may include: enterprise name, enterprise code, province code, city of residence, power supply unit, tax register, business license number, organization code, industry of enterprise, name of legal representative and ID number of legal representative, etc.
And S102, generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply terminal for indicating the power supply terminal to return power utilization information corresponding to the power utilization information acquisition instruction.
In the embodiment of the present invention, the power consumption information may refer to all power consumption information of the small enterprise user in a time period from the power transmission start date to the current date.
Wherein the electricity consumption information comprises at least one of the following: electricity usage information, electricity charge receivable information, and electricity charge toll information. In the embodiment of the present invention, the power usage information includes, but is not limited to: the number of the power consumers, the year and month of the power charge, the monthly power consumption, the peak value of the power consumption, the average value of the power consumption, the valley value of the power consumption and the like. The electricity charge receivable information includes, but is not limited to: the electricity consumption number, the time of the due charge, the date of the issuance of the electricity charge, the payment mode, the total electricity quantity, the amount of the due charge, the date of the settlement of the default money, the amount of the due charge, the type of the electricity charge, the identity of the due charge and the like. The electricity charge real charge information includes, but is not limited to: the number of the power consumer, the actual date of charge, the actual charge amount of electricity, the actual default amount of charge, the payment mode, the settlement mark and the like. The real electric charge payment limit refers to the electric charge payment limit actually paid by the small and micro enterprise user.
The power supply end specifically refers to an electronic commerce platform provided by a national power grid. Such as a national web mall.
Optionally, the acquired transaction request sent by the small and micro enterprise user is analyzed to acquire the identification information of the small and micro enterprise user carried in the transaction request, and then the power utilization information acquisition instruction for acquiring the small and micro enterprise user is generated according to the identification information of the small and micro enterprise user. The power utilization information acquisition instruction comprises identification information of the small and micro enterprise users.
And then, the power utilization information acquisition instruction can be sent to the power supply end, so that the power supply end analyzes the power utilization information acquisition instruction to acquire the identification information of the small and micro enterprise user, then the power utilization information corresponding to the identification information of the small and micro enterprise user is searched from the power utilization information database according to the identification information of the small and micro enterprise user, and the power utilization information is returned to the financial institution service platform.
It should be noted that, in the embodiment of the present invention, when the electricity information obtaining instruction is sent to the power supply end, if it is determined that the small-micro enterprise user does not apply for the same transaction data amount at the power supply end, the small-micro enterprise user may jump from the current interface of the service platform to the power supply end by triggering a jump link preset in the financial institution service platform, so that the small-micro enterprise user registers and logs in the power supply end, then fills in the small-micro enterprise information and the like in the transaction data amount application interface of the power supply end, and selects information such as "e loan platform service agreement on electricity", "enterprise authorization agreement", and the like. After the small and micro enterprise users complete information filling and selection, the power supply end can acquire corresponding power utilization information according to the power utilization information acquisition instruction sent by the financial institution, and returns the power utilization information to the financial institution service platform.
In order to improve the use experience of the small and micro enterprise user, in this embodiment, after the power supply end acquires the power consumption information corresponding to the identification information of the small and micro enterprise user according to the power consumption information acquisition instruction, the power supply end may further determine the evaluation transaction data amount of the small and micro enterprise user based on the power consumption information, and return the evaluation transaction data amount and the power consumption information to the financial institution service platform together, so that the financial institution service platform displays the evaluation transaction data amount acquired from the power supply end, so that the small and micro enterprise user determines whether to continue to apply for the transaction data amount based on the displayed evaluation transaction data amount. In the embodiment of the invention, when the transaction request is a loan transaction request, the evaluation transaction data line is an evaluation loan line.
That is, after the power consumption information acquisition instruction is sent to the power supply terminal, the embodiment of the present invention further includes:
receiving an evaluation transaction data amount returned by the power supply end, and displaying the evaluation transaction data amount;
and the evaluation transaction data limit is determined according to the electricity utilization information of the small and micro enterprise user.
Further, since the electricity consumption information of the small micro-enterprise users at different time periods may be greatly different, for example, the electricity consumption information of the small micro-enterprise users may change every two or three years. And because the electricity utilization information in the recent period of time is basically stable and can truly reflect the operation capacity of the small and micro enterprise users, the accurate transaction data quota is calculated based on the electricity utilization information of the small and micro enterprise users. The embodiment of the invention can preferably acquire the electricity utilization information of the small and micro enterprise user in a recent period from the power supply terminal.
That is to say, when the electricity consumption information acquisition instruction is generated according to the identification information of the small and micro enterprise user, the target time period can be carried in the electricity consumption information acquisition instruction, so that the power supply end can return the electricity consumption information corresponding to the target time period when returning the electricity consumption information according to the electricity consumption information acquisition instruction, the real operation capacity of the small and micro enterprise user can be determined, the amount of the acquired electricity consumption information can be reduced, and the subsequent processing speed of determining the transaction data amount based on the electricity consumption information is improved. That is, in this embodiment, if the power consumption information acquiring instruction includes: and in the target time period, the power utilization information returned by the power supply end is the power utilization information in the target time period.
The target time period can be set according to actual application requirements. For example, the last 24 months, or the last 36 months, etc., which are not specifically limited herein.
For example, if the financial institution needs the electricity consumption information based on the last 24 months of the small and micro enterprise user X1, the target time period may be set to the last 24 months, and at this time, the power supply terminal analyzes the obtained electricity consumption information obtaining instruction, so that the identification information of the small and micro enterprise user may be obtained: x1, target time period: and in the last 24 months, the power supply terminal can search the power utilization information of the last 24 months corresponding to the X1 from the power utilization information database according to the X1, and return the searched power utilization information of the last 24 months to the financial institution service platform.
S103, determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
Optionally, after the power consumption information returned by the power supply terminal is acquired, the electronic device with the financial institution service platform in the embodiment of the invention can determine the transaction data quota provided to the small enterprise user according to the power consumption information according to a preset algorithm.
In the embodiment of the invention, if the power supply end returns the power utilization information and simultaneously returns the evaluation transaction data limit of the small and micro enterprise user, whether the small and micro enterprise user sends a continuous application request within the preset time can be monitored. And if the small and micro enterprise user sends a continuous application request, determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information according to a preset algorithm, and otherwise, stopping application.
It should be noted that, when the small and micro enterprise user of the embodiment of the present invention applies for the transaction data amount, the user can log in the power supply terminal, fill in the small and micro enterprise information and select the relevant protocol, jumping from the current interface of the power supply end to the service platform of the financial institution through a jump link preset in the transaction data limit application interface of the power supply end, so that the small and micro enterprise user can register and log in the financial institution service platform, and the power supply end can also use the power utilization information of the small and micro enterprise user, or the electricity utilization information and the evaluation transaction data credit are sent to the financial institution service platform, so that the electronic equipment with the financial institution service platform can obtain the evaluation data credit according to the electricity utilization information, or electricity utilization information and transaction data limit evaluation, and determining the transaction data limit of the small and micro enterprise user, wherein the specific implementation manner is similar to that described above, and redundant description is not repeated here.
According to the technical scheme provided by the embodiment of the invention, the electricity utilization information acquisition instruction is generated according to the identification information in the transaction request sent by the small and micro enterprise user, the electricity utilization information acquisition instruction is sent to the power supply end so that the power supply end returns the electricity utilization information, and then the transaction data quota provided for the small and micro enterprise user is determined according to the electricity utilization information returned by the power supply end. Therefore, the transaction data quota provided for the small and micro enterprise user is determined through the electricity utilization information which cannot be modified, so that the determined transaction data quota is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution is reduced.
Example two
Fig. 2 is a flowchart illustrating a transaction data quota determining method according to a second embodiment of the present invention. Further optimization is performed on the basis of the above-described embodiments. As shown in fig. 2, the method specifically includes:
s201, acquiring a transaction request sent by a small and micro enterprise user, wherein the transaction request carries identification information of the small and micro enterprise user.
And S202, generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply terminal for indicating the power supply terminal to return power utilization information corresponding to the power utilization information acquisition instruction.
And S203, determining the credit level of the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
Because the credit level can reflect the credit condition of the small and micro enterprise user directly, after the power utilization information returned by the power supply end is obtained, the credit level of the small and micro enterprise user can be determined based on the power utilization information which has stability and cannot be modified, so that the condition whether the small and micro enterprise user provides a high-quality small and micro enterprise user or not is determined according to the credit level of the small and micro enterprise user in the following process.
In specific implementation, the embodiment of the invention can obtain an accounting result by accounting the electricity utilization information, and then determine the credit level of the small and micro enterprise user according to the accounting result.
And S204, if the credit level reaches a preset credit level, determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information.
The preset credit level may be adaptively set according to an audit standard of the financial institution, which is not specifically limited herein.
Optionally, after determining the credit rating of the small-micro enterprise user, the credit rating of the small-micro enterprise user may be compared with a preset credit rating to determine whether the credit rating of the small-micro enterprise user reaches the preset credit rating. And if the credit level of the small and micro enterprise user is determined not to reach the preset credit level, determining that the small and micro enterprise user does not belong to the high-quality small and micro enterprise user, and finishing the operation of determining the transaction data limit provided for the small and micro enterprise user. And if the credit level of the small and micro enterprise user is determined to reach the preset credit level, determining that the small and micro enterprise user belongs to a high-quality small and micro enterprise user, and further determining the transaction data limit provided for the small and micro enterprise user by the electronic equipment with the financial institution service platform according to the preset algorithm and the electricity utilization information.
According to the technical scheme provided by the embodiment of the invention, the electricity utilization information acquisition instruction is generated according to the identification information in the transaction request sent by the small and micro enterprise user, the electricity utilization information acquisition instruction is sent to the power supply end so that the power supply end returns the electricity utilization information, the credit level of the small and micro enterprise user is determined based on the electricity utilization information returned by the power supply end, and when the credit level of the small and micro enterprise user reaches the preset credit level, the transaction data quota provided for the small and micro enterprise user is determined according to the electricity utilization information returned by the power supply end. Therefore, the transaction data quota provided for the small and micro enterprise user is determined through the electricity utilization information which cannot be modified, so that the determined transaction data quota is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution is reduced. In addition, whether the small and micro enterprise user belongs to the high-quality small and micro enterprise user is determined based on the electricity utilization information, and when the small and micro enterprise user belongs to the high-quality small and micro enterprise user, the financial institution can provide loan service for the small and micro enterprise user, so that the financial institution risk is further reduced.
EXAMPLE III
Fig. 3 is a flowchart illustrating a method for determining a transaction data quota according to a third embodiment of the present invention. Further optimization is performed on the basis of the above-described embodiments. As shown in fig. 3, the method is as follows:
s301, a transaction request sent by a small and micro enterprise user is obtained, wherein the transaction request carries identification information of the small and micro enterprise user.
S302, generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply terminal for instructing the power supply terminal to return power utilization information corresponding to the power utilization information acquisition instruction.
S303, determining the industry category of the small micro enterprise user.
Optionally, after the small and micro enterprise user logs in the financial institution service platform and fills in the small and micro enterprise information, the electronic device may query the industry category table according to the industry to which the enterprise in the small and micro enterprise information belongs, and determine the industry category of the small and micro enterprise user.
Wherein, the trade classification table includes: industry categories and industries each industry category includes.
Alternatively, the industry category table may be as shown in table 1 below:
TABLE 1
For example, if the business of a small micro business user is: scientific research and technical service industry, the industry categories of the small and micro enterprise users can be determined to be as follows based on the table 1: the middle-grade business to electricity ratio industry.
S304, determining the industry coefficient of the small micro enterprise user according to the industry category of the small micro enterprise user.
Optionally, the industry coefficient of the small micro enterprise user can be determined according to the industry category of the small micro enterprise user by querying a preset industry coefficient table.
Specifically, the business coefficient table preset in the embodiment of the present invention may be as shown in table 2 below.
TABLE 2
| Industry class | Coefficient of industry |
| Low-electricity-consumption-ratio industry | 12 |
| Middle-grade business to electricity ratio industry | 9 |
| High-operation-electricity-ratio industry | 6 |
For example, if the industry categories of small micro enterprise users are: in the medium-voltage-to-electricity-ratio industry, the industry coefficient of the small and micro enterprise user can be determined to be as follows based on table 2: 9.
s305, determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information and the industry coefficient of the small and micro enterprise user.
Optionally, the average actual electricity payment amount of the small and micro enterprise user is determined based on the electricity utilization information, then the average actual electricity payment amount is multiplied by the industry coefficient of the small and micro enterprise user to obtain a product, and the product is determined as the transaction data amount provided for the small and micro enterprise user.
If the electricity utilization information is electricity utilization information of the small and micro enterprise user in the last 24 months, calculating an average actual electricity payment amount of 24 months, multiplying the average actual electricity payment amount of 24 months by an industry coefficient of the small and micro enterprise user, and determining the obtained product as a transaction data amount provided for the small and micro enterprise user.
According to the technical scheme provided by the embodiment of the invention, the electricity utilization information acquisition instruction is generated according to the identification information in the transaction request sent by the small and micro enterprise user, the electricity utilization information acquisition instruction is sent to the power supply end, so that the power supply end returns the electricity utilization information, the industry type of the small and micro enterprise user is determined, the industry coefficient of the small and micro enterprise user is determined according to the industry type, and the transaction data quota provided for the small and micro enterprise user is determined according to the electricity utilization information and the industry coefficient of the small and micro enterprise user. Therefore, the transaction data quota provided for the small and micro enterprise user is determined through the electricity utilization information which cannot be modified, so that the determined transaction data quota is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution is reduced.
Example four
Fig. 4 is a flowchart illustrating a transaction data quota determining method according to a fourth embodiment of the present invention. Further optimization is performed on the basis of the above-described embodiments. As shown in fig. 4, the method specifically includes:
s401, a transaction request sent by a small and micro enterprise user is obtained, wherein the transaction request carries identification information of the small and micro enterprise user.
S402, generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply end for indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction.
And S403, determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
S404, two groups of electricity utilization information in adjacent time periods are selected from the electricity utilization information, and the electricity utilization adjusting coefficient of the small and micro enterprise users is determined according to the two groups of electricity utilization information.
For example, two groups of electricity consumption information selected from the electricity consumption information in adjacent time periods are respectively: electricity consumption information of 10-12 months and electricity consumption information of 7-9 months, wherein 10-12 months represent the last 3 months, and 7-9 months represent the first 3 months of the last 3 months. Respectively calculating the average power consumption of the last 3 months and the average power consumption of the previous 3 months, and then calculating the power utilization regulating coefficient of the small and micro enterprise users according to the average power consumption of the last 3 months and the average power consumption of the previous 3 months as follows:
wherein, the power consumption adjustment coefficient value range is as follows: the highest is 1.3, and the lowest is 1.
In the embodiment of the invention, when the power utilization regulating coefficient of the small and micro enterprise user is determined, two groups of power utilization information in different adjacent time periods can be selected according to requirements. For example, the electricity consumption information of the last 4 months, the electricity consumption information of the previous 4 months, and the like, which are not particularly limited herein.
S405, determining a first sub-transaction data limit provided for the small and micro enterprise user according to the electricity utilization information and the electricity utilization adjusting coefficient.
Wherein, the first sub-transaction data limit is the electricity charge special limit. Namely, the first sub-transaction data limit is used for paying the electric charge through the power supply terminal.
Optionally, the average actual electricity payment amount of the small and micro enterprise user is determined based on the electricity consumption information, then the average actual electricity payment amount is multiplied by the electricity consumption adjusting coefficient, and the obtained product is determined as the first sub-transaction data amount provided for the small and micro enterprise user.
If the electricity utilization information is the electricity utilization information of the small and micro enterprise user in the last 24 months, calculating an average actual electricity payment amount of 24 months, multiplying the average actual electricity payment amount of 24 months by the electricity utilization adjusting coefficient, and determining the obtained product as a first sub-transaction data amount provided for the small and micro enterprise user.
That is, the first sub-transaction data amount is the average actual payment electric charge amount.
S406, determining a second sub-transaction data limit provided for the small micro-enterprise user according to the transaction data limit and the first sub-transaction data limit.
The second sub-transaction data quota is specifically directed to providing a free quota for the small micro-enterprise user. That is, the second sub-transaction data amount is for the business expenses of the small micro-enterprise user.
Optionally, after determining the first sub-transaction data limit provided for the small micro enterprise user, the embodiment of the present invention may subtract the first sub-transaction data limit from the transaction data limit to obtain a difference, and determine the difference as the second sub-transaction data limit provided for the small micro enterprise user.
That is, the second sub-transaction data amount is the transaction data amount-the first sub-transaction data amount.
According to the technical scheme provided by the embodiment of the invention, after the business data limit provided for the small and micro enterprise user is determined according to the electricity consumption information returned by the power supply end, the first sub-business data limit and the second sub-business data limit included by the business data limit can be also determined, so that the small and micro enterprise user can pay the electricity fee through the power supply end on time, the small and micro enterprise user can be ensured to normally operate, and the problem that the small and micro enterprise user stops working due to the fact that the electricity fee cannot be paid is avoided; in addition, besides ensuring that the small and micro enterprise user can pay the electric charge on time, the small and micro enterprise user can be provided with a part of free domination limit, so that the small and micro enterprise user can introduce advanced technology and equipment by utilizing the free domination limit to provide conditions for developing the small and micro enterprise.
EXAMPLE five
Fig. 5 is a flowchart illustrating a method for determining a transaction data amount according to a fifth embodiment of the present invention. Further optimization is performed on the basis of the above-described embodiments. As shown in fig. 5, the method is as follows:
s501, a transaction request sent by a small and micro enterprise user is obtained, wherein the transaction request carries identification information of the small and micro enterprise user.
And S502, generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply terminal for indicating the power supply terminal to return power utilization information corresponding to the power utilization information acquisition instruction.
S503, determining the transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
S504, determining whether the transaction data limit exceeds a first upper limit.
The first upper limit can be set according to the transaction application type of the financial institution for the small and micro enterprise user. For example, if the transaction application type is cloud electricity credit, the first upper limit amount may be set to 200 ten thousand. The embodiment of the present invention is not particularly limited to this.
For example, if the transaction data amount is 300 ten thousand and the first upper limit amount is 200 ten thousand, it indicates that the transaction data amount exceeds the first upper limit amount.
And S505, if the transaction data limit exceeds the first upper limit, adjusting the transaction data limit to be the first upper limit.
If the transaction data quota provided for the small micro enterprise user is determined to exceed the first upper limit quota, the problem that the small micro enterprise user cannot pay back high risk exists, and therefore the transaction data quota is provided for the small micro enterprise user as much as possible on the basis of ensuring the capability of the small micro enterprise user to pay back. The embodiment of the invention can adjust the transaction data limit exceeding the first upper limit into the first upper limit and provide the adjusted transaction data limit for the small and micro enterprise users.
In one embodiment of the invention, if the transaction data limit is determined not to exceed the first upper limit, the transaction data limit is provided for the small micro-enterprise user.
According to the technical scheme provided by the embodiment of the invention, after the business data limit provided for the small and micro enterprise user is determined according to the electricity utilization information returned by the power supply end, whether the business data limit exceeds a first upper limit or not can be determined, if the business data limit exceeds the first upper limit, the business data limit is adjusted to be the first upper limit, and the adjusted business data limit is provided for the small and micro enterprise user, so that the business data limit is provided for the small and micro enterprise user as much as possible on the basis of ensuring the small and micro enterprise user to have enough limit to carry out electricity fee payment and free control conditions.
Based on the above embodiment, after determining the transaction data quota provided to the small enterprise user, the embodiment of the present invention optionally further includes: determining whether the small micro enterprise user applies for other transaction requests; if so, determining the sum of the transaction data limit of the small and micro enterprise user and other transaction data limits; and if the sum value exceeds the second upper limit value, adjusting the transaction data value limit so that the sum value of the adjusted transaction data value limit and other transaction data value limits does not exceed the second upper limit value limit.
When the transaction request is an electric cloud credit request, the other transaction requests are requests except the electric cloud credit request. Such as fast credits, etc.
In the embodiment of the invention, the second upper limit can be set according to the type and the number of the transaction requests applied by the financial institution for the small micro-enterprise user. For example, if the transaction application types are cloud power credit and fast credit, the second upper limit value unit may be set to 300 ten thousand. The embodiment of the present invention is not particularly limited to this.
Specifically, after determining the transaction data quota provided to the small enterprise user, whether the small enterprise user applies for other transaction requests is determined. If yes, determining whether the sum of the transaction data limit and other transaction data limits exceeds a second upper limit. And if the sum of the transaction data limit and other transaction data limits does not exceed the second upper limit, providing the transaction data limit for the small micro-enterprise user. If the transaction data amount exceeds the value, the small micro enterprise user has high risk of being unrepensable, so the transaction data amount is provided for the small micro enterprise user as much as possible on the basis of ensuring the capability of the small micro enterprise user to be reimbursed. The embodiment of the invention can also adjust the transaction data limit to ensure that the sum of the adjusted transaction data limit and other transaction data limits does not exceed the second upper limit, and then provide the adjusted transaction data limit for the small and micro enterprise user.
That is to say, in the embodiment of the present invention, when it is determined that the small-sized enterprise user further applies for another transaction data amount, and the sum of the transaction data amount and the other transaction data amount exceeds the second upper limit amount, the transaction data amount is adjusted so that the sum of the adjusted transaction data amount and the other transaction data amount does not exceed the second upper limit amount, thereby ensuring that the small-sized enterprise user provides the transaction data amount to the small-sized enterprise user as much as possible on the basis of being able to repay the small-sized enterprise user, so that the small-sized enterprise user can have enough amount to perform the condition of electric charge payment and free control.
EXAMPLE six
Fig. 6 is a schematic structural diagram of a transaction data quota determining apparatus according to a sixth embodiment of the present invention. The transaction data quota determining device provided by the embodiment of the invention is configured in the electronic equipment. As shown in fig. 6, a transaction data quota determining apparatus 600 provided in an embodiment of the present invention includes: a transaction request acquisition module 610, an acquisition request generation module 620 and a quota determination module 630.
The transaction request obtaining module 610 is configured to obtain a transaction request sent by a small micro enterprise user, where the transaction request carries identification information of the small micro enterprise user;
an obtaining request generating module 620, configured to generate a power consumption information obtaining instruction according to the identification information of the small and micro enterprise user, and send the power consumption information obtaining instruction to a power supply terminal, where the power supply terminal is instructed to return power consumption information corresponding to the power consumption information obtaining instruction;
and an amount determining module 630, configured to determine, according to the electricity consumption information returned by the power supply terminal, an amount of transaction data provided to the small-sized enterprise user.
As an optional implementation manner of the embodiment of the present invention, the apparatus 600 further includes: a credit rating determination module;
the credit level determining module is used for determining the credit level of the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal;
the amount determining module 630 is specifically configured to determine, according to the electricity consumption information, an amount of transaction data provided to the small-sized enterprise user if the credit level reaches a preset credit level.
As an optional implementation manner of the embodiment of the present invention, the credit level determining module is specifically configured to:
performing accounting on the power utilization information to obtain an accounting result;
and determining the credit level of the small micro-enterprise user according to the accounting result.
As an optional implementation manner of the embodiment of the present invention, the apparatus 600 further includes: the system comprises an industry category determining module and an industry coefficient determining module;
the industry type determining module is used for determining the industry type of the small micro enterprise user;
and the industry coefficient determining module is used for determining the industry coefficient of the small and micro enterprise user according to the industry category of the small and micro enterprise user.
As an optional implementation manner of the embodiment of the present invention, the quota determining module 630 is specifically configured to:
and determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information and the industry coefficient of the small and micro enterprise user.
As an optional implementation manner of the embodiment of the present invention, the apparatus 600 further includes: the system comprises an adjustment coefficient determining module, a first sub-limit determining module and a second sub-limit determining module;
the adjusting coefficient determining module is used for selecting two groups of electricity utilization information in adjacent time periods from the electricity utilization information and determining the electricity utilization adjusting coefficient of the small and micro enterprise users according to the two groups of electricity utilization information;
the first sub-limit determining module is used for determining a first sub-transaction data limit provided for the small micro-enterprise user according to the electricity utilization information and the electricity utilization regulating coefficient;
and the second sub-limit determining module is used for determining a second sub-transaction data limit provided for the small micro-enterprise user according to the transaction data limit and the first sub-transaction data limit.
As an optional implementation manner of the embodiment of the present invention, the apparatus 600 further includes: the system comprises a first determining module and a first limit adjusting module;
the first determining module is used for determining whether the transaction data limit exceeds a first upper limit;
and the first limit adjusting module is used for adjusting the transaction data limit to be a first upper limit if the transaction data limit exceeds the first upper limit.
As an optional implementation manner of the embodiment of the present invention, the apparatus 600 further includes: a receiving module;
the receiving module is used for receiving the evaluation transaction data amount returned by the power supply end and displaying the evaluation transaction data amount;
and the evaluation transaction data limit is determined according to the electricity utilization information of the small and micro enterprise user.
As an optional implementation manner of the embodiment of the present invention, if the power consumption information acquisition instruction includes: and in the target time period, the power utilization information returned by the power supply end is the power utilization information in the target time period.
As an optional implementation manner of the embodiment of the present invention, the power consumption information includes at least one of the following: electricity usage information, electricity charge receivable information, and electricity charge toll information.
It should be noted that the foregoing explanation of the embodiment of the transaction data amount determining method is also applicable to the transaction data amount determining apparatus of the embodiment, and the implementation principle is similar, and therefore, no further description is given here.
According to the technical scheme provided by the embodiment of the invention, the electricity utilization information acquisition instruction is generated according to the identification information in the transaction request sent by the small and micro enterprise user, the electricity utilization information acquisition instruction is sent to the power supply end so that the power supply end returns the electricity utilization information, and then the transaction data quota provided for the small and micro enterprise user is determined according to the electricity utilization information returned by the power supply end. Therefore, the transaction data quota provided for the small and micro enterprise user is determined through the electricity utilization information which cannot be modified, so that the determined transaction data quota is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution can be reduced.
EXAMPLE seven
Fig. 7 is a schematic structural diagram of an electronic device according to a seventh embodiment of the present invention. FIG. 7 illustrates a block diagram of an exemplary electronic device 700 suitable for use in implementing embodiments of the present invention. The electronic device 700 shown in fig. 7 is only an example and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 7, electronic device 700 is embodied in the form of a general purpose computing device. The components of the electronic device 700 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16.
The system memory 28 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)30 and/or cache memory 32. The electronic device 700 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 7, and commonly referred to as a "hard drive"). Although not shown in FIG. 7, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. Memory 28 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the invention.
A program/utility 40 having a set (at least one) of program modules 42 may be stored, for example, in memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally carry out the functions and/or methodologies of the described embodiments of the invention.
The electronic device 700 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), with one or more devices that enable a user to interact with the electronic device 700, and/or with any devices (e.g., network card, modem, etc.) that enable the electronic device 700 to communicate with one or more other computing devices. Such communication may be through an input/output (I/O) interface 22. Also, the electronic device 700 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via the network adapter 20. As shown, the network adapter 20 communicates with the other modules of the electronic device 700 over the bus 18. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 700, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
The processing unit 16 executes various functional applications and data processing by running the program stored in the system memory 28, for example, implementing the transaction data quota determining method provided by the embodiment of the present invention, including:
acquiring a transaction request sent by a small and micro enterprise user, wherein the transaction request carries identification information of the small and micro enterprise user;
generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply end for indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction;
and determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
It should be noted that the foregoing explanation of the embodiment of the transaction data quota determining method is also applicable to the electronic device of the embodiment, and the implementation principle is similar, and is not described herein again.
According to the technical scheme provided by the embodiment of the invention, the electricity utilization information acquisition instruction is generated according to the identification information in the transaction request sent by the small and micro enterprise user, the electricity utilization information acquisition instruction is sent to the power supply end so that the power supply end returns the electricity utilization information, and then the transaction data quota provided for the small and micro enterprise user is determined according to the electricity utilization information returned by the power supply end. Therefore, the transaction data quota provided for the small and micro enterprise user is determined through the electricity utilization information which cannot be modified, so that the determined transaction data quota is more consistent with the real operation capacity of the small and micro enterprise user, and the loan risk of a financial institution can be reduced.
Example eight
In order to achieve the above object, the present invention also provides a computer-readable storage medium.
The computer-readable storage medium provided by the embodiment of the present invention stores thereon a computer program, and when the computer program is executed by a processor, the method for determining the transaction data amount according to the embodiment of the present invention is implemented, where the method includes:
acquiring a transaction request sent by a small and micro enterprise user, wherein the transaction request carries identification information of the small and micro enterprise user;
generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply end for indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction;
and determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
Computer storage media for embodiments of the invention may employ any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
It is to be noted that the foregoing is only illustrative of the preferred embodiments of the present invention and the technical principles employed. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, although the present invention has been described in greater detail by the above embodiments, the present invention is not limited to the above embodiments, and may include other equivalent embodiments without departing from the spirit of the present invention, and the scope of the present invention is determined by the scope of the appended claims.
Claims (13)
1. A transaction data quota determining method is characterized by comprising the following steps:
acquiring a transaction request sent by a small and micro enterprise user, wherein the transaction request carries identification information of the small and micro enterprise user;
generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, and sending the power utilization information acquisition instruction to a power supply end for indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction;
and determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information returned by the power supply terminal.
2. The method according to claim 1, wherein before determining the transaction data quota provided to the small micro enterprise user according to the electricity consumption information returned by the power supply terminal, the method further comprises:
determining the credit level of the small micro-enterprise user according to the electricity utilization information returned by the power supply terminal;
and if the credit level reaches a preset credit level, determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information.
3. The method of claim 2, wherein the determining the credit rating of the small micro-enterprise user according to the electricity utilization information returned by the power supply terminal comprises:
performing accounting on the power utilization information to obtain an accounting result;
and determining the credit level of the small micro-enterprise user according to the accounting result.
4. The method according to any one of claims 1-3, wherein before determining the transaction data quota provided to the small micro enterprise user according to the electricity consumption information returned by the power supply terminal, the method further comprises:
determining an industry category of the small micro enterprise user;
and determining the industry coefficient of the small and micro enterprise user according to the industry category of the small and micro enterprise user.
5. The method according to claim 4, wherein the determining transaction data quota provided to the small micro enterprise user according to the electricity consumption information returned by the power supply terminal comprises:
and determining a transaction data limit provided for the small and micro enterprise user according to the electricity utilization information and the industry coefficient of the small and micro enterprise user.
6. The method according to any one of claims 1-3, wherein after determining the transaction data quota provided to the small micro enterprise user according to the electricity consumption information returned by the power supply terminal, the method further comprises:
selecting two groups of electricity utilization information in adjacent time periods from the electricity utilization information, and determining the electricity utilization regulating coefficient of the small and micro enterprise users according to the two groups of electricity utilization information;
determining a first sub-transaction data limit provided for the small micro-enterprise user according to the electricity utilization information and the electricity utilization adjusting coefficient;
and determining a second sub-transaction data limit provided for the small micro-enterprise user according to the transaction data limit and the first sub-transaction data limit.
7. The method according to any one of claims 1-3, wherein after determining the transaction data quota provided to the small micro enterprise user according to the electricity consumption information returned by the power supply terminal, the method further comprises:
determining whether the transaction data limit exceeds a first upper limit;
if the transaction data limit exceeds the first upper limit, the transaction data limit is adjusted to be the first upper limit.
8. The method according to claim 1, wherein after the sending the power consumption information obtaining instruction to the power supply terminal, the method further comprises:
receiving an evaluation transaction data amount returned by the power supply end, and displaying the evaluation transaction data amount;
and the evaluation transaction data limit is determined according to the electricity utilization information of the small and micro enterprise user.
9. The method according to claim 1, wherein if the power consumption information acquisition command comprises: and in the target time period, the power utilization information returned by the power supply end is the power utilization information in the target time period.
10. The method of claim 1, wherein the electricity usage information comprises at least one of: electricity usage information, electricity charge receivable information, and electricity charge toll information.
11. A transaction data amount determining apparatus, comprising:
the system comprises a transaction request acquisition module, a transaction request processing module and a transaction processing module, wherein the transaction request acquisition module is used for acquiring a transaction request sent by a small micro enterprise user, and the transaction request carries identification information of the small micro enterprise user;
the acquisition request generating module is used for generating a power utilization information acquisition instruction according to the identification information of the small and micro enterprise user, sending the power utilization information acquisition instruction to a power supply end and indicating the power supply end to return power utilization information corresponding to the power utilization information acquisition instruction;
and the quota determining module is used for determining the transaction data quota provided for the small and micro enterprise user according to the power utilization information returned by the power supply end.
12. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the transaction data credit determination method of any of claims 1-10.
13. A computer-readable storage medium, on which a computer program is stored, which program, when being executed by a processor, carries out a transaction data amount determination method according to any one of claims 1 to 10.
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