CN111899111A - Capital matching method, device, server and storage medium - Google Patents
Capital matching method, device, server and storage medium Download PDFInfo
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- CN111899111A CN111899111A CN202010779117.XA CN202010779117A CN111899111A CN 111899111 A CN111899111 A CN 111899111A CN 202010779117 A CN202010779117 A CN 202010779117A CN 111899111 A CN111899111 A CN 111899111A
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Abstract
The embodiment of the invention discloses a fund matching method, a fund matching device, a server and a storage medium. The server acquires the financing application, verifies the current fund plan corresponding to the financing application based on a specific verification rule sent by the business party, and determines a directed fund plan meeting the profit requirement of the business party, so that the problem that the server in the prior art cannot meet the requirement of the business party due to the use of a set of matching rules can be solved, and the flexibility of fund matching is improved; and further receiving a priority fund plan list sent by the business party, determining the target priority of the oriented fund plan according to the business priority in the priority fund plan list, and determining a fund matching result according to the oriented fund plan and the target priority, so that the profit maximization requirement of the business party is favorably met, more business parties can be drawn for investment, and the user party is further favorably enabled to obtain considerable financing amount.
Description
Technical Field
The embodiment of the invention relates to a data processing technology, in particular to a fund matching method, a fund matching device, a fund matching server and a storage medium.
Background
In the Internet consumption financial industry, fund matching is one of the most important stages of the whole financing process, and important support services are provided for subsequent links such as auditing, payment and the like.
The process of matching funds is complex and variable, and with the increasing of the business volume, different business parties have various requirements on matching funds. In the prior art, asset funds are searched for matching through a fixed fund matching scheme, the diversified requirements of business parties can not be met, and the flexibility and the intellectualization of fund matching are poor.
Disclosure of Invention
The embodiment of the invention provides a fund matching method, a fund matching device, a server and a storage medium, so as to realize individual fund matching on different requirements of a business party and be beneficial to realizing profit maximization of the business party.
In a first aspect, an embodiment of the present invention provides a fund matching method, which is applied to a server, and includes:
acquiring a financing application, and verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule;
receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;
and determining a fund matching result according to the directed fund plan and the target priority.
In a second aspect, an embodiment of the present invention further provides a fund matching apparatus, including:
the system comprises a directional fund plan determining module, a fund transfer module and a fund transfer module, wherein the directional fund plan determining module is used for acquiring a financing application, verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party, and obtaining a directional fund plan passing the specific verification rule;
the target priority determining module is used for receiving a priority fund plan list sent by a service party and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;
and the fund matching result determining module is used for determining a fund matching result according to the directed fund plan and the target priority.
In a third aspect, an embodiment of the present invention further provides a server, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the fund matching method according to any one of the first aspect.
In a fourth aspect, embodiments of the present invention also provide a storage medium containing computer-executable instructions which, when executed by a computer processor, implement the fund matching method according to any one of the first aspect.
According to the technical scheme provided by the embodiment, the server acquires the financing application, verifies the current fund plan corresponding to the financing application based on the specific verification rule sent by the business party, and determines the directed fund plan meeting the profit requirement of the business party, so that the problem that the server in the prior art cannot meet the requirement of the business party due to the use of a set of matching rules can be solved, and the flexibility of fund matching is improved; and further receiving a priority fund plan list sent by the business party, determining the target priority of the oriented fund plan according to the business priority in the priority fund plan list, and determining a fund matching result according to the oriented fund plan and the target priority, so that the profit maximization requirement of the business party is favorably met, more business parties can be drawn for investment, and the user party is further favorably enabled to obtain considerable financing amount.
Drawings
Fig. 1 is a schematic flow chart of a fund matching method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a fund matching method according to a second embodiment of the present invention;
FIG. 3 is a schematic flow chart of a fund matching method according to a third embodiment of the present invention;
FIG. 4 is a logic diagram of a fund matching process provided in the third embodiment of the present invention;
fig. 5 is a schematic structural diagram of a fund matching device according to a fourth embodiment of the present invention;
fig. 6 is a schematic structural diagram of a server according to a fifth embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting of the invention. It should be further noted that, for the convenience of description, only some of the structures related to the present invention are shown in the drawings, not all of the structures.
Example one
Fig. 1 is a schematic flow chart of a fund matching method according to an embodiment of the present invention, which may be applied to a case where a targeted fund plan and a target priority are determined according to a specific check rule and a priority fund list sent by a business party, and a fund matching result is determined according to the targeted fund plan and the target priority, and the method may be performed by a fund matching apparatus, where the apparatus may be implemented by software and/or hardware, and is generally integrated in a server. Referring specifically to fig. 1, the method may include the steps of:
s110, acquiring a financing application, and verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule.
The financing application is a financing request order sent by a user to a server (such as a financing service platform), and after receiving the financing request order, the server executes the processes of extracting order information, determining financing items, carrying out fund matching, auditing matching results, carrying out payment operation and the like. The fund matching can be understood as an economic business, and the fund matching is realized by connecting the fund demander and the fund supplier in series to find the fund supplier for the fund demander and help to realize the financing. The demander is a user side (such as an enterprise) submitting financing application, and the supplier can be a business side (such as a bank).
The specific check rule is a specific matching rule which is formulated by a business party according to the profit requirement of the business party, and the specific matching rule may include a label related to the fund and matching logic corresponding to each label, that is, the specific check rule may include a label related to the fund and matching logic corresponding to each label. The targeted fund plan is a fund plan meeting the profit requirements of the business party. Specifically, after receiving the financing application, the server determines the financing application and a specific check rule sent by the service party, determines the specific check rule matched with the financing application and a matching logic of the specific check rule, and checks the current fund plan corresponding to the financing application based on the matching logic to obtain a directed fund plan passing through the specific check rule. For example, the server matches the user attribute and the order attribute in the current fund plan corresponding to the financing application with the user attribute and the order attribute in the specific check rule respectively, and determines the directed fund plan according to the matching result. Based on the mode, the server determines the oriented fund plan meeting the profit demands of the business parties according to the profit demands of different business parties, can solve the problem that the server in the prior art cannot meet the demands of the business parties due to the use of a set of matching rules, and improves the flexibility of fund matching.
And S120, receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list.
The priority fund plan list comprises a plurality of fund plans and the priority of each fund plan, and the fund plans of each priority correspond to different profit demands of business parties. Alternatively, the target priority of the directed funds plan may be determined by: determining whether a business priority corresponding to the directed fund plan exists in a priority fund plan list; if yes, taking the business priority corresponding to the directed fund plan as a target priority; if not, the original priority of the directed funds plan is taken as the target priority.
Specifically, in the process of determining a directed fund plan according to a specific check rule, the server may further receive a priority fund plan list sent by a service party, determine whether the directed fund plan and the priority of the directed fund plan exist in the priority fund plan list, if the directed fund plan and the priority of the directed fund plan exist, take the directed fund plan priority in the priority fund plan list as a target priority of the directed fund plan, otherwise, take the original priority of the directed fund plan as the target priority.
And S130, determining a fund matching result according to the directed fund plan and the target priority.
And determining the directed fund plan and the target priority through the steps, wherein the fund matching result can comprise the financing application and the directed fund plan and the target priority corresponding to the financing application. It can be understood that the target priority of the directed fund plan corresponds to the profit demand of the business, and the determined fund matching result is favorable for meeting the demand of maximizing the profit of the business party, and can absorb more business parties to invest, so that the user can further obtain the ideal financing amount.
Further, after the fund matching result is determined, the embodiment may also perform an auditing operation and a payment operation on the directed fund plan according to the target priority in the fund matching result. Wherein the target priority may be an audit of the directed funds plan and a payment level. Specifically, the fund matching result comprises at least one directed fund plan and a target priority corresponding to each fund plan, and the directed fund plans are checked and paid in sequence according to the target priorities, so that the directed fund plans with higher priorities are checked in priority, timeliness of checking and paying processes is guaranteed, and profit maximization of a business party is facilitated.
According to the technical scheme provided by the embodiment, the server acquires the financing application, verifies the current fund plan corresponding to the financing application based on the specific verification rule sent by the business party, and determines the directed fund plan meeting the profit requirement of the business party, so that the problem that the server in the prior art cannot meet the requirement of the business party due to the use of a set of matching rules can be solved, and the flexibility of fund matching is improved; and further receiving a priority fund plan list sent by the business party, determining the target priority of the oriented fund plan according to the business priority in the priority fund plan list, and determining a fund matching result according to the oriented fund plan and the target priority, so that the profit maximization requirement of the business party is favorably met, more business parties can be drawn for investment, and the user party is further favorably enabled to obtain considerable financing amount.
Example two
Fig. 2 is a schematic flow chart of a fund matching method according to a second embodiment of the present invention. The technical scheme of the embodiment adds a new step on the basis of the embodiment. Optionally, before checking the current fund plan corresponding to the financing application based on a specific checking rule sent by a business party, the method further includes: receiving a refusal matching list sent by the service party; screening the current fund plan based on the refusal matching list to determine a matchable fund plan; correspondingly, the checking of the current fund plan corresponding to the financing application based on a specific checking rule sent by a service party comprises the following steps: and using the matchable fund plan meeting the specific check rule as the directed fund plan. In the method, reference is made to the above-described embodiments for those parts which are not described in detail. Referring specifically to fig. 2, the method may include the steps of:
s210, acquiring the financing application, receiving a refusal matching list sent by the service party, screening the current fund plan based on the refusal matching list, and determining the matchable fund plan.
The rejection list may be generated according to relevant policies and specifications of each business party, and the rejection list may include age restrictions, user-side specification restrictions, user-side overdue rate restrictions, risk levels of financing projects, and the like. Specifically, when the server verifies the current fund plan, a refusal matching list sent by a service party is obtained, the current fund plan is screened according to the refusal matching list, whether the current fund plan is located in the refusal matching list or not is determined, if the current fund plan is located in the refusal matching list, the current fund plan located in the refusal list is used as a non-matchable fund plan, if the current fund plan is not located in the refusal matching list, the current fund plan not located in the refusal list is used as a matchable fund plan, and fund matching is carried out subsequently based on the matchable fund plan.
And S220, taking the matchable fund plan meeting the specific check rule as a directed fund plan.
As described in the foregoing embodiments, after determining the matchable fund plan, the server checks the matchable fund plan based on the matching logic, resulting in a directed fund plan passing through a specific checking rule. For example, the server matches the user attribute and the order attribute in the matchable fund plan with the user attribute and the order attribute in the specific check rule respectively, and determines the directed fund plan according to the matching result. The current fund plan is screened based on the refusal matching list, so that the risk level of a user side can be reasonably mastered, the overdue rate of assets can be controlled, and the determination efficiency of the directed fund plan can be improved.
And S230, receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list.
And S240, determining a fund matching result according to the directed fund plan and the target priority.
In this embodiment, in order to reduce the number of times of credit investigation and reduce complaints on the user side, when the auditing operation is performed on the determined fund matching result, the method further includes: and if the user side corresponding to the financing application is a second class user, performing credit investigation protection on the second class user corresponding to the directed fund plan when the directed fund plan is subjected to auditing operation.
The second class of users refer to financial products such as deposit handling, investment and financing products purchasing, quota consumption, payment and fund transfer business from the limitation to the unbound accounts. Specifically, when the server performs an auditing operation on the financing application incentive of the second class of users, the credit degree of the second class of users is hidden or the credit score of the second class of users is increased, so that credit investigation protection is performed on the second class of users corresponding to the directed fund plan, the number of credit investigation times and complaints of the second class of users are avoided, and the user experience is further improved.
According to the technical scheme provided by the embodiment, the current fund plan is screened based on the refusal matching list, the matchable fund plan obtained by screening is verified through the specific verification rule sent by the service party, the directed fund plan is determined, the risk level of the user party can be reasonably mastered, the overdue rate of the assets is controlled, and the determination efficiency of the directed fund plan is improved. And if the user side corresponding to the financing application is a second-class user, credit investigation protection is carried out on the second-class user corresponding to the directed fund plan when auditing operation is carried out on the directed fund plan, so that the credit investigation times and complaints of the second-class user can be avoided, and the user side experience is further improved.
EXAMPLE III
Fig. 3 is a schematic flow chart of a fund matching method according to a third embodiment of the present invention. The technical solution of this embodiment is refined in the steps of the above embodiment. Optionally, the determining a fund matching result according to the directed fund plan and the target priority includes: and if receiving the directional matching termination information sent by the service party, taking the directional fund plan and the target priority corresponding to the directional fund plan as the fund matching result. In the method, reference is made to the above-described embodiments for those parts which are not described in detail. Referring specifically to fig. 3, the method may include the steps of:
s310, acquiring a financing application, and verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule.
S320, receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list.
S330, if the directional matching termination information sent by the service party is received, the directional fund plan and the target priority corresponding to the directional fund plan are used as fund matching results.
The directional matching termination information is a directional matching node set by a service party according to self service requirements, and if a time node for fund matching reaches the directional matching node, the fund matching result only comprises a directional fund plan and a target priority corresponding to the directional fund plan.
Further, after the fund matching result is determined, the server can perform auditing operation and payment operation on the directed fund plan according to the target priority in the fund matching result. By the aid of the method, the server can filter out non-directionally matched fund plans and only returns directionally matched fund plans, so that auditing and payment efficiency can be improved, and overall financing efficiency is further improved.
In this embodiment, in the process of determining the directed fund plan according to the specific verification rule, the server may further obtain a general verification rule corresponding to the financing application, and use the matchable fund plan satisfying the general verification rule as the non-directed fund plan. Wherein the universal verification rule is a unified fund matching logic adopted by the server for all financing applications. Based on the non-directional fund plan, the method for determining the fund matching result can also be as follows: and if the oriented matching termination information sent by the service party is not received, taking the non-oriented fund plan of the financing application, the original priority of the non-oriented fund plan, the oriented fund plan and the target priority corresponding to the oriented fund plan as a fund matching result.
Further, if the server does not receive the directional matching termination information, the server can perform an auditing operation and a payment operation on the directional fund plan according to the target priority in the fund matching result, and perform an auditing operation and a payment operation on the non-directional fund plan according to the original priority of the non-directional fund plan.
Fig. 4 is a logic diagram of a fund matching process, and the whole process of fund matching is specifically explained in combination with fig. 4. Firstly, a user submits a financing application to a server, the server is triggered to initiate matching, the server obtains a refusal matching list sent by a service party, whether the refusal matching list contains a current fund plan corresponding to the financing application is judged, if yes, the current fund plan is determined not to pass verification, if not, the current fund plan is determined to be a matchable fund plan, and the matchable fund plan meeting a specific verification rule is used as a directed fund plan; further, after determining that the fund plan can be matched, the server may obtain a priority fund plan list, determine whether a service priority that can be matched with the fund plan exists in the priority fund plan list, if so, take a service priority corresponding to the directed fund plan in the priority fund list as a target priority of the directed fund plan, and if not, take an original priority of the directed fund plan as the target priority; further, the server determines whether the directional matching termination information is received, if the directional matching termination information is received, the directional fund plan and the target priority corresponding to the directional fund plan are used as a fund matching result, and if the directional matching termination information is not received, the non-directional fund plan of the financing application, the original priority of the non-directional fund plan, the directional fund plan and the target priority corresponding to the directional fund plan are used as the fund matching result.
According to the technical scheme provided by the embodiment, the server receives the directional matching termination information sent by the service party, and takes the directional fund plan and the target priority corresponding to the directional fund plan as the fund matching result.
Example four
Fig. 5 is a schematic structural diagram of a fund matching device according to a fourth embodiment of the present invention. Referring to fig. 5, the system includes: a directed fund plan determination module 410, a target priority determination module 420, and a fund match result determination module 430.
The directed fund plan determining module 410 is configured to obtain a financing application, and verify a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule;
a target priority determining module 420, configured to receive a priority fund plan list sent by a service party, and determine a target priority of the directed fund plan according to a service priority in the priority fund plan list;
and a fund matching result determining module 430, configured to determine a fund matching result according to the directed fund plan and the target priority.
On the basis of the above technical solutions, the apparatus further includes: a matchable funding plan determination module; the matchable fund plan determining module is used for receiving a refusal matching list sent by the business party;
screening the current fund plan based on the refusal matching list to determine a matchable fund plan;
accordingly, the directed fund plan determination module 410 is further configured to determine the matchable fund plan satisfying the specific verification rule as the directed fund plan.
On the basis of the foregoing technical solutions, the target priority determining module 420 is further configured to determine whether a service priority corresponding to the directed fund plan exists in the priority fund plan list;
if so, taking the business priority corresponding to the directed fund plan as the target priority;
if not, the original priority of the directed funds plan is taken as the target priority.
On the basis of the above technical solutions, the fund matching result determining module 430 is further configured to, if directional matching termination information sent by the service party is received, take the directional fund plan and the target priority corresponding to the directional fund plan as the fund matching result.
On the basis of the above technical solutions, the fund matching result determining module 430 is further configured to, if directional matching termination information sent by the business party is not received, take the non-directional fund plan of the financing application, the original priority of the non-directional fund plan, the directional fund plan, and the target priority corresponding to the directional fund plan as the fund matching result.
On the basis of the above technical solutions, the apparatus further includes: a non-directed fund plan determination module; the system comprises a non-directional fund plan determining module, a fund transfer module and a fund transfer module, wherein the non-directional fund plan determining module is used for acquiring a general verification rule corresponding to the financing application;
and taking the matchable fund plan meeting the general verification rule as an undirected fund plan.
On the basis of the above technical solutions, the apparatus further includes: an audit and payment module; and the auditing and payment module is used for auditing and payment operations of the directed fund plan according to the target priority in the fund matching result and executing the auditing and payment operations of the non-directed fund plan according to the original priority of the non-directed fund plan.
On the basis of the technical schemes, the auditing and payment module is also used for auditing and payment operations of the directed fund plan according to the target priority in the fund matching result.
On the basis of the above technical solutions, the apparatus further includes: a credit investigation protection module; and the credit investigation protection module is used for performing credit investigation protection on the second class of users corresponding to the directed fund plan when auditing operation is performed on the directed fund plan if the user party corresponding to the financing application is the second class of users.
According to the technical scheme provided by the embodiment, the server acquires the financing application, verifies the current fund plan corresponding to the financing application based on the specific verification rule sent by the business party, and determines the directed fund plan meeting the profit requirement of the business party, so that the problem that the server in the prior art cannot meet the requirement of the business party due to the use of a set of matching rules can be solved, and the flexibility of fund matching is improved; and further receiving a priority fund plan list sent by the business party, determining the target priority of the oriented fund plan according to the business priority in the priority fund plan list, and determining a fund matching result according to the oriented fund plan and the target priority, so that the profit maximization requirement of the business party is favorably met, more business parties can be drawn for investment, and the user party is further favorably enabled to obtain considerable financing amount.
EXAMPLE five
Fig. 6 is a schematic structural diagram of an image reconstruction apparatus according to a fifth embodiment of the present invention. FIG. 6 illustrates a block diagram of an exemplary server 12 suitable for use in implementing embodiments of the present invention. The server 12 shown in fig. 6 is only an example, and should not bring any limitation to the function and the scope of use of the embodiment of the present invention.
As shown in FIG. 6, the server 12 is in the form of a general purpose computing device. The components of the server 12 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 server 12 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by server 12 and includes both volatile and nonvolatile media, removable and non-removable media.
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 server 12 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. 6, and commonly referred to as a "hard drive"). Although not shown in FIG. 6, 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. The memory 28 may include at least one program product having a set of program modules (e.g., a directed funds plan determination module 410, a target priority determination module 420, and a funds matching result determination module 430 for a funds matching apparatus) configured to perform the functions of embodiments of the present invention.
A program/utility 44 having a set of program modules 46 (e.g., a directed funds plan determination module 410, a target priority determination module 420, and a funds matching result determination module 430 for a funds matching device) may be stored, for example, in memory 28, such program modules 46 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may comprise an implementation of a network environment. Program modules 46 generally carry out the functions and/or methodologies of the described embodiments of the invention.
The server 12 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 server 12, and/or with any devices (e.g., network card, modem, etc.) that enable the server 12 to communicate with one or more other computing devices. Such communication may be through an input/output (I/O) interface 22. Also, the server 12 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 server 12 via the bus 18. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the server 12, 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 executing programs stored in the system memory 28, for example, to implement a fund matching method provided by an embodiment of the present invention, the method including:
acquiring a financing application, and verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule;
receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;
and determining a fund matching result according to the directed fund plan and the target priority.
The processing unit 16 executes various functional applications and data processing by executing programs stored in the system memory 28, for example, to implement a fund matching method provided by an embodiment of the present invention.
Of course, those skilled in the art will appreciate that the processor may also implement the solution of a fund matching method provided by any embodiment of the present invention.
EXAMPLE six
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 a fund matching method according to an embodiment of the present invention, where the method includes:
acquiring a financing application, and verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule;
receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;
and determining a fund matching result according to the directed fund plan and the target priority.
Of course, the computer program stored on the computer-readable storage medium provided by the embodiments of the present invention is not limited to the above method operations, and may also perform related operations in a fund matching method provided by any embodiment of the present invention.
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, 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, or device.
A computer readable signal medium may be embodied in directed fund plans, target priorities, fund matching results, and the like, having computer readable program code embodied therein. Such propagation in the form of directed capital plans, target priorities, capital matching results, etc. 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, 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, as well as 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 should be noted that, in the embodiment of the fund matching apparatus, the modules included in the embodiment are only divided according to functional logic, but are not limited to the above division as long as the corresponding functions can be implemented; in addition, specific names of the functional units are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present invention.
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 (12)
1. A fund matching method is applied to a server and comprises the following steps:
acquiring a financing application, and verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule;
receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;
and determining a fund matching result according to the directed fund plan and the target priority.
2. The method of claim 1, prior to verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a business party, further comprising:
receiving a refusal matching list sent by the service party;
screening the current fund plan based on the refusal matching list to determine a matchable fund plan;
correspondingly, the checking of the current fund plan corresponding to the financing application based on a specific checking rule sent by a service party comprises the following steps:
and using the matchable fund plan meeting the specific check rule as the directed fund plan.
3. The method of claim 1, wherein determining the target priority for the directed fund plan based on the business priority in the list of priority fund plans comprises:
determining whether a business priority corresponding to the directed fund plan exists in the priority fund plan list;
if so, taking the business priority corresponding to the directed fund plan as the target priority;
if not, the original priority of the directed funds plan is taken as the target priority.
4. The method of claim 2, wherein determining a fund match result based on the directed fund plan and the target priority comprises:
and if receiving the directional matching termination information sent by the service party, taking the directional fund plan and the target priority corresponding to the directional fund plan as the fund matching result.
5. The method of claim 4, further comprising:
and if the directional matching termination information sent by the service party is not received, taking the non-directional fund plan of the financing application, the original priority of the non-directional fund plan, the directional fund plan and the target priority corresponding to the directional fund plan as the fund matching result.
6. The method of claim 5, further comprising:
acquiring a general verification rule corresponding to the financing application;
and taking the matchable fund plan meeting the general verification rule as an undirected fund plan.
7. The method of claim 5, further comprising:
and performing auditing operation and payment operation on the directed fund plan according to the target priority in the fund matching result, and performing auditing operation and payment operation on the non-directed fund plan according to the original priority of the non-directed fund plan.
8. The method of claim 1, further comprising:
and performing auditing operation and payment operation on the oriented fund plan according to the target priority in the fund matching result.
9. The method of claim 8, further comprising:
and if the user side corresponding to the financing application is a second class user, performing credit investigation protection on the second class user corresponding to the directed fund plan when the directed fund plan is checked.
10. A money matching apparatus, comprising:
the system comprises a directional fund plan determining module, a fund transfer module and a fund transfer module, wherein the directional fund plan determining module is used for acquiring a financing application, verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party, and obtaining a directional fund plan passing the specific verification rule;
the target priority determining module is used for receiving a priority fund plan list sent by a service party and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;
and the fund matching result determining module is used for determining a fund matching result according to the directed fund plan and the target priority.
11. A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements a method of fund matching as claimed in any one of claims 1 to 9.
12. A storage medium containing computer-executable instructions which, when executed by a computer processor, implement the fund matching method of any one of claims 1-9.
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| CN202010779117.XA CN111899111A (en) | 2020-08-05 | 2020-08-05 | Capital matching method, device, server and storage medium |
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| CN202010779117.XA CN111899111A (en) | 2020-08-05 | 2020-08-05 | Capital matching method, device, server and storage medium |
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| CN112926892A (en) * | 2021-04-02 | 2021-06-08 | 深圳鼎盛电脑科技有限公司 | Capital matching method and device, electronic equipment and storage medium |
| CN113592473A (en) * | 2021-07-28 | 2021-11-02 | 中国人民银行清算总中心 | Inter-bank fund clearing processing method and device |
| CN113628027A (en) * | 2021-07-29 | 2021-11-09 | 广州云徙科技有限公司 | Whole channel credit center system |
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