CN112053143A - Fund routing method, apparatus, electronic device and storage medium - Google Patents

Fund routing method, apparatus, electronic device and storage medium Download PDF

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CN112053143A
CN112053143A CN202010900641.8A CN202010900641A CN112053143A CN 112053143 A CN112053143 A CN 112053143A CN 202010900641 A CN202010900641 A CN 202010900641A CN 112053143 A CN112053143 A CN 112053143A
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fund
information
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wind control
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CN112053143B (en
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陈松夏
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Abstract

The invention relates to intelligent recommendation and provides a fund routing method, a fund routing device, electronic equipment and a storage medium. The method can obtain user requirements and effective fund channels, determine the requirement channels by utilizing the user requirements and the effective fund channels, obtain current channel information of the requirement channels, determine priorities of the requirement channels and channel wind control models, obtain user information, verify whether the user information passes wind control detection of the requirement channels according to the sequence of the priorities from high to low, and determine the requirement channels which pass wind control detection firstly as response results of fund routing requests when the user information passes the wind control detection of the requirement channels. The invention can find a proper fund channel for a user, can improve the confirmation efficiency of the fund channel because the analysis of invalid fund channels is eliminated, and also relates to a block chain technology, wherein the response result can be stored in the block chain.

Description

Fund routing method, apparatus, electronic device and storage medium
Technical Field
The invention relates to the technical field of intelligent recommendation, in particular to a fund routing method, a fund routing device, electronic equipment and a storage medium.
Background
With the development of internet finance, the consumption of financial products is also increased. The consumer financial products have the problem of single product docking channel, and due to the fact that the product docking channel is single, when the wind control detection of the consumer financial products with single docking channel fails, the consumer financial products cannot be used, the user experience is seriously affected, and therefore the multi-channel fund routing system is brought along.
In the existing multi-channel fund routing system, not only the opinion requirements of users on fund channels cannot be combined for analysis, but also the dynamically updated information of a plurality of fund channels cannot be combined for analysis, so that the users cannot quickly find out proper fund channels.
Disclosure of Invention
In view of the above, there is a need for a fund routing method, apparatus, electronic device and storage medium, which can find a suitable fund channel for a user, and at the same time, can improve the confirmation efficiency of the fund channel because the analysis of invalid fund channels has been eliminated.
A funds routing method, the funds routing method comprising:
when a fund routing request is received, acquiring user requirements from the fund routing request;
acquiring an effective fund channel from a fund pool, and determining a demand channel by using the user demand and the effective fund channel;
acquiring current channel information of the demand channel;
determining the priority of the demand channel and a channel wind control model according to the current channel information;
acquiring user information according to the fund routing request and the channel wind control model;
verifying whether the user information passes the wind control detection of the demand channel according to the sequence of the priorities from high to low;
and when the user information passes through the wind control detection of the demand channel, determining the demand channel which passes through the wind control detection firstly as a response result of the fund routing request.
According to a preferred embodiment of the present invention, the obtaining the user requirement from the fund routing request comprises:
acquiring an idle thread from a preset thread pool;
analyzing the method body of the fund routing request by using the idle thread to obtain data information carried by the fund routing request;
and acquiring a preset label, and acquiring information corresponding to the preset label from the data information as the user requirement.
According to a preferred embodiment of the present invention, the obtaining an effective fund channel from a fund pool and determining a demand channel using the user demand and the effective fund channel comprises:
obtaining a valid identifier of each fund channel from the fund pool;
determining the fund channel with the effective identifier as a preset identifier as the effective fund channel;
extracting an unintended channel and an intended channel in the user requirement;
detecting whether the non-intended channels are included in the effective funds channels and detecting whether the intended channels are included in the effective funds channels;
and when the effective fund channel comprises the non-intention channel, deleting the non-intention channel from the effective fund channel, and when the effective fund channel does not comprise the intention channel, fusing the intention channel into the effective fund channel to obtain the demand channel.
According to the preferred embodiment of the present invention, the acquiring the current channel information of the demand channel includes one or more of the following ways:
determining a channel website corresponding to the required channel, and acquiring a field corresponding to a preset column from the channel website as the current channel information; and/or
Determining a paper text corresponding to the demand channel, and identifying the current channel information from the paper text based on an OCR technology.
According to a preferred embodiment of the present invention, the obtaining user information according to the fund routing request and the channel wind control model comprises:
acquiring an IP address for initiating the fund routing request and initiating time of the fund routing request;
determining a target client according to the IP address, and acquiring a log table from the target client;
acquiring an account corresponding to the initiation time from the log table;
determining an initiating user according to the account, and acquiring information corresponding to the initiating user from a preset archive;
and screening information corresponding to the channel wind control model from the acquired information as the user information.
According to the preferred embodiment of the present invention, the verifying whether the user information passes through the wind control detection of the demand channel according to the ranking order of the priority from high to low includes:
determining a target channel from the demand channels according to the ranking order of the priority from high to low;
determining a target model corresponding to the target channel from the channel wind control model;
inputting the user information into the target model to obtain an output result;
and when the output result is passing detection, determining that the user information passes the wind control detection of the demand channel.
According to a preferred embodiment of the present invention, after determining the demand channel detected by the wind control first as the response result of the fund routing request, the method further comprises:
acquiring a request number of the fund routing request;
generating prompt information according to the request number and the response result;
encrypting the prompt information by adopting a symmetric encryption technology to obtain a ciphertext;
and sending the ciphertext to the terminal equipment of the appointed contact person.
A funds routing apparatus, the funds routing apparatus comprising:
the fund routing request processing device comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring user requirements from a fund routing request when the fund routing request is received;
the determining unit is used for acquiring an effective fund channel from a fund pool and determining a demand channel by using the user demand and the effective fund channel;
the acquiring unit is further configured to acquire current channel information of the demand channel;
the determining unit is further configured to determine a priority of the demand channel and a channel wind control model according to the current channel information;
the acquiring unit is further used for acquiring user information according to the fund routing request and the channel wind control model;
the verification unit is used for verifying whether the user information passes the wind control detection of the demand channel according to the arrangement sequence of the priority levels from high to low;
the determining unit is further configured to determine, when the user information passes through the wind control detection of the demand channel, the demand channel that passes through the wind control detection first as a response result of the fund routing request.
An electronic device, the electronic device comprising:
a memory storing at least one instruction; and
a processor executing instructions stored in the memory to implement the fund routing method.
A computer-readable storage medium having at least one instruction stored therein, the at least one instruction being executable by a processor in an electronic device to implement the fund routing method.
According to the technical scheme, when a fund routing request is received, the user requirements can be obtained from the fund routing request; the fund routing request is triggered by a user, so that opinion demands which truly reflect the user intention can be acquired from the fund routing request, an effective fund channel is acquired from a fund pool, and a demand channel is determined by using the user demands and the effective fund channel; by acquiring the effective fund channel, the analysis of the invalid fund channel can be avoided, meanwhile, by determining the demand channel, the fund channel which is not intended by the user can be filtered, the analysis efficiency is improved, the fund channel which is intended by the user can be added, the wind control detection is more perfect, and the current channel information of the demand channel is acquired; the current channel information is acquired in real time, so that the information of the dynamic update of the demand channel can be acquired to improve the wind control detection accuracy, and the priority of the demand channel and the channel wind control model are determined according to the current channel information; acquiring user information according to the fund routing request and the channel wind control model; the channel wind control model can be used for acquiring user information required by wind control detection, so that the wind control detection efficiency can be improved, the storage space of electronic equipment can be saved, and whether the user information passes the wind control detection of the required channel or not is verified according to the sequence of the priorities from high to low; and when the user information passes through the wind control detection of the demand channel, determining the demand channel which passes through the wind control detection firstly as a response result of the fund routing request. The method and the device analyze the effective fund channels by combining the user requirements and the current channel information, can find the proper fund channels for the users, and can improve the confirmation efficiency of the fund channels because the analysis of the ineffective fund channels is eliminated.
Drawings
FIG. 1 is a flow chart of a preferred embodiment of the fund routing method of the present invention.
FIG. 2 is a functional block diagram of a preferred embodiment of the funds routing apparatus of the present invention.
FIG. 3 is a schematic structural diagram of an electronic device implementing a fund routing method according to a preferred embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be described in detail with reference to the accompanying drawings and specific embodiments.
FIG. 1 is a flow chart of the preferred embodiment of the fund routing method of the present invention. The order of the steps in the flow chart may be changed and some steps may be omitted according to different needs.
The fund routing method is applied to a macro-economic scene, so that the construction of a smart city is promoted. The fund routing method is applied to one or more electronic devices, which are devices capable of automatically performing numerical calculation and/or information processing according to preset or stored instructions, and the hardware of the electronic devices includes but is not limited to a microprocessor, an Application Specific Integrated Circuit (ASIC), a Programmable Gate Array (FPGA), a Digital Signal Processor (DSP), an embedded device, and the like.
The electronic device may be any electronic product capable of performing human-computer interaction with a user, for example, a Personal computer, a tablet computer, a smart phone, a Personal Digital Assistant (PDA), a game machine, an interactive Internet Protocol Television (IPTV), a smart wearable device, and the like.
The electronic device may also include a network device and/or a user device. The network device includes, but is not limited to, a single network server, a server group consisting of a plurality of network servers, or a Cloud Computing (Cloud Computing) based Cloud consisting of a large number of hosts or network servers.
The network in which the electronic device is located includes, but is not limited to: the internet, a wide area Network, a metropolitan area Network, a local area Network, a Virtual Private Network (VPN), and the like.
S10, when receiving the fund routing request, obtaining the user requirement from the fund routing request.
In at least one embodiment of the invention, the fund routing request can be initiated by a user or can be automatically triggered within a preset time.
The preset time may be a time period or a time point, which is not limited in the present invention, for example, the preset time is ten o' clock every morning.
In at least one embodiment of the present invention, the user requirement refers to an opinion requirement of a user on a fund channel, for example, the user requirement is: the bank a products are not used.
In at least one embodiment of the invention, the electronic device obtaining the user demand from the fund routing request comprises:
acquiring an idle thread from a preset thread pool;
analyzing the method body of the fund routing request by using the idle thread to obtain data information carried by the fund routing request;
and acquiring a preset label, and acquiring information corresponding to the preset label from the data information as the user requirement.
The preset tag is a predefined tag, for example, the preset tag may be a name.
Further, the method body refers to the message of the fund routing request.
By acquiring the threads from the preset thread pool, the time for creating the threads can be saved, meanwhile, the idle thread analysis method is utilized, and the analysis efficiency can be improved because the idle thread analysis method does not need to wait for the threads to process other requests and analyze the message header of the fund routing request, and in addition, the preset label can be utilized to accurately acquire the user requirements.
And S11, acquiring an effective fund channel from the fund pool, and determining a demand channel by using the user demand and the effective fund channel.
In at least one embodiment of the present invention, the fund pool stores therein a plurality of fund channels and a valid identification for each fund channel, wherein the plurality of fund channels includes, but is not limited to: banks and trusts.
In at least one embodiment of the present invention, the electronic device obtaining an effective funds channel from a funds pool, and determining a demand channel using the user demand and the effective funds channel comprises:
obtaining a valid identifier of each fund channel from the fund pool;
determining the fund channel with the effective identifier as a preset identifier as the effective fund channel;
extracting an unintended channel and an intended channel in the user requirement;
detecting whether the non-intended channels are included in the effective funds channels and detecting whether the intended channels are included in the effective funds channels;
and when the effective fund channel comprises the non-intention channel, deleting the non-intention channel from the effective fund channel, and when the effective fund channel does not comprise the intention channel, fusing the intention channel into the effective fund channel to obtain the demand channel.
The non-intention channels refer to fund channels which are not interested by the user, and the intention channels refer to fund channels which are interested by the user.
By acquiring the effective fund channels, the analysis of the invalid fund channels can be avoided, meanwhile, by determining the demand channels, the fund channels which are not intended by the user can be filtered, the analysis efficiency is improved, the fund channels which are intended by the user can be added, and the wind control detection is more perfect.
And S12, acquiring the current channel information of the demand channel.
In at least one embodiment of the present invention, the current channel information refers to channel information of the demand channel after being updated in real time. Wherein the current channel information includes, but is not limited to: the paying-off speed, the wind control passing rate, the capital cost, the interest rate and the like.
In at least one embodiment of the present invention, the electronic device obtaining the current channel information of the demand channel includes one or more of the following ways:
determining a channel website corresponding to the required channel, and acquiring a field corresponding to a preset column from the channel website as the current channel information; and/or
Determining paper texts corresponding to the demand channels, and identifying the current channel information from the paper texts based on an OCR (Optical Character Recognition) technology.
Through the implementation mode, the current channel information can be acquired in various modes, and the current channel information is acquired in real time, so that the information requiring dynamic updating of the channel can be acquired, and the accuracy of wind control detection is improved.
And S13, determining the priority of the demand channel and a channel wind control model according to the current channel information.
In at least one embodiment of the invention, the channel wind control model is analytically determined using a machine learning algorithm for the current channel information. Each demand channel corresponds to a channel wind control model, and the channel wind control model is composed of a plurality of index authorities, for example, information carried in each channel wind control model may include: the annual income is more than 30W, the balance of the accumulation fund is more than 10W, and the like.
In at least one embodiment of the present invention, the determining, by the electronic device, the priority of the demand channel according to the current channel information includes:
acquiring the weight corresponding to the current channel information;
and carrying out weighting and operation on the current channel information and the weight to obtain the priority of the demand channel.
For example: the current channel information of the demand channel A comprises capital cost, loan process complexity and wind control passing rate, wherein the capital cost is 10%, the weight is 50%, the loan process complexity is 40%, the weight is 30%, the wind control passing rate is 70%, the weight is 20%, and through calculation, the priority of the demand channel A is 10% by 50% + 40% by 30% + 70% by 20% + 31%.
Through the implementation mode, the priority of the demand channel can be rapidly determined, and then the fund channel which is most beneficial to the user is selected for the user through the priority.
In at least one embodiment of the present invention, the determining, by the electronic device, the channel wind control model of the demand channel according to the current channel information includes:
acquiring customer information of the demand channel;
based on a machine learning algorithm, determining the dominant thrust of the demand channel to the current channel information by using the customer information;
determining the current channel information with the main pushing force greater than a configuration value as target information;
and fusing the target information to obtain the channel wind control model.
Specifically, the determining, by the electronic device, the dominant pushing degree of the demand channel to the current channel information by using the customer information based on a machine learning algorithm includes:
extracting a channel value of each customer on the current channel information from the customer information;
acquiring a channel score of the customer on the demand channel;
and determining the main pushing force according to the channel value and the channel score.
For example: the information of the customer A acquired to the demand channel comprises the following steps: the annual income is 30W, the house property with the value of 200W is famous, and the balance of the public accumulation fund is 10W; the information of the client B comprises: the annual income is 40W, 300W of valuable real estate is famous, and the balance of the public accumulation fund is 5W; the information of the client C comprises: the annual income is 50W, the house property with the value of 200W is famous, and the balance of the public accumulation fund is 20W. Extracting a channel value of 30W when the annual income of the customer A is more than 25W, a channel value of 200W when the property value of the customer A is more than 150W, and a channel value of 10W when the balance of the public deposit of the customer A is more than 1W; extracting a channel value of 40W when the annual income of the customer B is more than 25W, a channel value of 300W when the property value of the customer B is more than 150W, and a channel value of 5W when the balance of the customer B in the accumulation fund is more than 1W; and extracting that the channel value of the third customer on the annual income of more than 25W is 50W, the channel value of the third customer on the house property value of more than 150W is 200W, and the channel value of the third customer on the accumulation balance of more than 1W is 20W. The channel score of the client A is 77, the channel score of the client B is 111, the channel score of the client C is 89, and the calculation result shows that the main pushing force of the annual income greater than 25W is 50%, the main pushing force of the real estate value greater than 150W is 30%, and the main pushing force of the accumulation fund balance greater than 1W is 20%.
In at least one embodiment of the present invention, the electronic device fuses the target information to obtain the channel wind control model.
Taking the above example as a support, the target information is that the annual income is more than 25W and the real estate value is more than 150W, and the target information is fused to obtain a channel wind control model as follows: the annual income is more than 25Wand house property value and more than 150W.
And S14, obtaining user information according to the fund routing request and the channel wind control model.
In at least one embodiment of the present invention, the user information refers to information required for detecting a wind control, and the user information includes: user identification number, annual income, consumption status, etc.
In at least one embodiment of the present invention, the electronic device obtaining user information according to the fund routing request and the channel wind control model comprises:
acquiring an IP address for initiating the fund routing request and initiating time of the fund routing request;
determining a target client according to the IP address, and acquiring a log table from the target client;
acquiring an account corresponding to the initiation time from the log table;
determining an initiating user according to the account, and acquiring information corresponding to the initiating user from a preset archive;
and screening information corresponding to the channel wind control model from the acquired information as the user information.
The preset archive stores a plurality of users and related information of the users.
Specifically, the screening, by the electronic device, information corresponding to the channel wind control model from the acquired information as the user information includes:
and extracting target channel information for determining the channel wind control model from the current channel information, and screening information corresponding to the target channel information from the obtained information to serve as the user information.
For example: extracting and determining the target channel information of the channel wind control model as follows: the annual income is more than 30 ten thousand, and the acquired information comprises: the mobile phone number, the annual income and the family members, and the target information corresponding to the target channel information is obtained from the obtained information: and (4) annual income.
The channel wind control model can be used for acquiring user information required by wind control detection, so that the wind control detection efficiency can be improved, and the storage space of the electronic equipment can be saved.
And S15, verifying whether the user information passes the wind control detection of the demand channel according to the sequence of the priority from high to low.
In at least one embodiment of the present invention, the wind control detection means detecting whether the user information meets the wind control requirement of the demand channel, for example, the annual income of the user is greater than 20 ten thousand.
Wherein the wind control requirements may include one or more requirements.
In at least one embodiment of the present invention, the verifying, by the electronic device, whether the user information passes through the wind control detection of the demand channel according to the ranking order of the priority levels from high to low includes:
determining a target channel from the demand channels according to the ranking order of the priority from high to low;
determining a target model corresponding to the target channel from the channel wind control model;
inputting the user information into the target model to obtain an output result;
and when the output result is passing detection, determining that the user information passes the wind control detection of the demand channel.
The channel wind control model may include a plurality of different models because the channel wind control model is determined by current channel information of a plurality of channels, and the current channel information of each channel is different.
For example: the demand channel includes 3 channels, is channel B, channel C, channel D respectively, channel B's priority is 60%, channel C's priority is 40%, channel D's priority is 20%, according to the sequence of priority will channel B confirms to be the target channel, and acquires channel B's channel wind accuse model, as the target model, will user information input extremely target model obtains the output result and does user information passes through channel B's wind accuse detects, confirms user information passes through channel B's wind accuse detects.
In other embodiments, when the output result is a failed detection, and it is determined that the user information fails to pass the wind control detection of the demand channel, the electronic device continues to determine a target channel from the demand channels according to the ranking order of the priorities from high to low.
For example: when the output result of the channel B is failed to be detected, it is determined that the user information fails to pass the wind control detection of the channel B, the electronic device determines that the target channel is the channel C, and verifies whether the user information passes the wind control detection of the channel C.
And S16, when the user information passes through the wind control detection of the demand channel, determining the demand channel which passes through the wind control detection firstly as the response result of the fund routing request.
It is emphasized that, in order to further ensure the privacy and security of the response result, the response result may also be stored in a node of a block chain.
In at least one embodiment of the present invention, when the user information passes the wind control detection of any demand channel, the electronic device stops verifying whether the user information passes the wind control detection of other demand channels.
For example: the demand channel comprises a channel E and a channel F, the priority of the channel E is higher than that of the channel F, when the user information is used for the wind control detection of the channel E, the channel E is used as the response result of the fund routing request, and the verification of whether the user information passes the wind control detection of the channel F is stopped.
In at least one embodiment of the invention, after determining the demand channel detected by the wind control first as the response result of the fund routing request, the method further comprises:
acquiring a request number of the fund routing request;
generating prompt information according to the request number and the response result;
encrypting the prompt information by adopting a symmetric encryption technology to obtain a ciphertext;
and sending the ciphertext to the terminal equipment of the appointed contact person.
By the implementation mode, when the response result is obtained, the prompt message can be generated and sent in time, and meanwhile, the prompt message is encrypted, so that the safety of the prompt message is improved.
According to the technical scheme, when a fund routing request is received, the user requirements can be obtained from the fund routing request; the fund routing request is triggered by a user, so that opinion demands which truly reflect the user intention can be acquired from the fund routing request, an effective fund channel is acquired from a fund pool, and a demand channel is determined by using the user demands and the effective fund channel; by acquiring the effective fund channel, the analysis of the invalid fund channel can be avoided, meanwhile, by determining the demand channel, the fund channel which is not intended by the user can be filtered, the analysis efficiency is improved, the fund channel which is intended by the user can be added, the wind control detection is more perfect, and the current channel information of the demand channel is acquired; the current channel information is acquired in real time, so that the information of the dynamic update of the demand channel can be acquired to improve the wind control detection accuracy, and the priority of the demand channel and the channel wind control model are determined according to the current channel information; acquiring user information according to the fund routing request and the channel wind control model; the channel wind control model can be used for acquiring user information required by wind control detection, so that the wind control detection efficiency can be improved, the storage space of electronic equipment can be saved, and whether the user information passes the wind control detection of the required channel or not is verified according to the sequence of the priorities from high to low; and when the user information passes through the wind control detection of the demand channel, determining the demand channel which passes through the wind control detection firstly as a response result of the fund routing request. The method and the device analyze the effective fund channels by combining the user requirements and the current channel information, can find the proper fund channels for the users, and can improve the confirmation efficiency of the fund channels because the analysis of the ineffective fund channels is eliminated.
FIG. 2 is a functional block diagram of a preferred embodiment of the money routing apparatus of the present invention. The fund routing apparatus 11 includes an acquisition unit 110, a determination unit 111, a verification unit 112, a generation unit 113, an encryption unit 114, and a transmission unit 115. The module/unit referred to herein is a series of computer readable instruction segments that can be accessed by the processor 13 and perform a fixed function and that are stored in the memory 12. In the present embodiment, the functions of the modules/units will be described in detail in the following embodiments.
When receiving a fund routing request, the obtaining unit 110 obtains a user demand from the fund routing request.
In at least one embodiment of the invention, the fund routing request can be initiated by a user or can be automatically triggered within a preset time.
The preset time may be a time period or a time point, which is not limited in the present invention, for example, the preset time is ten o' clock every morning.
In at least one embodiment of the present invention, the user requirement refers to an opinion requirement of a user on a fund channel, for example, the user requirement is: the bank a products are not used.
In at least one embodiment of the present invention, the obtaining unit 110 obtains the user requirement from the fund routing request includes:
acquiring an idle thread from a preset thread pool;
analyzing the method body of the fund routing request by using the idle thread to obtain data information carried by the fund routing request;
and acquiring a preset label, and acquiring information corresponding to the preset label from the data information as the user requirement.
The preset tag is a predefined tag, for example, the preset tag may be a name.
Further, the method body refers to the message of the fund routing request.
By acquiring the threads from the preset thread pool, the time for creating the threads can be saved, meanwhile, the idle thread analysis method is utilized, and the analysis efficiency can be improved because the idle thread analysis method does not need to wait for the threads to process other requests and analyze the message header of the fund routing request, and in addition, the preset label can be utilized to accurately acquire the user requirements.
The determining unit 111 obtains an effective fund channel from the fund pool and determines a demand channel using the user demand and the effective fund channel.
In at least one embodiment of the present invention, the fund pool stores therein a plurality of fund channels and a valid identification for each fund channel, wherein the plurality of fund channels includes, but is not limited to: banks and trusts.
In at least one embodiment of the present invention, the determining unit 111 obtains an effective fund channel from a fund pool, and determining a demand channel by using the user demand and the effective fund channel comprises:
obtaining a valid identifier of each fund channel from the fund pool;
determining the fund channel with the effective identifier as a preset identifier as the effective fund channel;
extracting an unintended channel and an intended channel in the user requirement;
detecting whether the non-intended channels are included in the effective funds channels and detecting whether the intended channels are included in the effective funds channels;
and when the effective fund channel comprises the non-intention channel, deleting the non-intention channel from the effective fund channel, and when the effective fund channel does not comprise the intention channel, fusing the intention channel into the effective fund channel to obtain the demand channel.
The non-intention channels refer to fund channels which are not interested by the user, and the intention channels refer to fund channels which are interested by the user.
By acquiring the effective fund channels, the analysis of the invalid fund channels can be avoided, meanwhile, by determining the demand channels, the fund channels which are not intended by the user can be filtered, the analysis efficiency is improved, the fund channels which are intended by the user can be added, and the wind control detection is more perfect.
The acquiring unit 110 acquires current channel information of the demand channel.
In at least one embodiment of the present invention, the current channel information refers to channel information of the demand channel after being updated in real time. Wherein the current channel information includes, but is not limited to: the paying-off speed, the wind control passing rate, the capital cost, the interest rate and the like.
In at least one embodiment of the present invention, the acquiring unit 110 acquires the current channel information of the demand channel by one or more of the following methods:
determining a channel website corresponding to the required channel, and acquiring a field corresponding to a preset column from the channel website as the current channel information; and/or
Determining paper texts corresponding to the demand channels, and identifying the current channel information from the paper texts based on an OCR (Optical Character Recognition) technology.
Through the implementation mode, the current channel information can be acquired in various modes, and the current channel information is acquired in real time, so that the information requiring dynamic updating of the channel can be acquired, and the accuracy of wind control detection is improved.
The determining unit 111 determines the priority of the demand channel and a channel wind control model according to the current channel information.
In at least one embodiment of the invention, the channel wind control model is analytically determined using a machine learning algorithm for the current channel information. Each demand channel corresponds to a channel wind control model, and the channel wind control model is composed of a plurality of index authorities, for example, information carried in each channel wind control model may include: the annual income is more than 30W, the balance of the accumulation fund is more than 10W, and the like.
In at least one embodiment of the present invention, the determining unit 111 determines the priority of the demand channel according to the current channel information includes:
acquiring the weight corresponding to the current channel information;
and carrying out weighting and operation on the current channel information and the weight to obtain the priority of the demand channel.
For example: the current channel information of the demand channel A comprises capital cost, loan process complexity and wind control passing rate, wherein the capital cost is 10%, the weight is 50%, the loan process complexity is 40%, the weight is 30%, the wind control passing rate is 70%, the weight is 20%, and through calculation, the priority of the demand channel A is 10% by 50% + 40% by 30% + 70% by 20% + 31%.
Through the implementation mode, the priority of the demand channel can be rapidly determined, and then the fund channel which is most beneficial to the user is selected for the user through the priority.
In at least one embodiment of the present invention, the determining unit 111 determines the channel wind control model of the demand channel according to the current channel information includes:
acquiring customer information of the demand channel;
based on a machine learning algorithm, determining the dominant thrust of the demand channel to the current channel information by using the customer information;
determining the current channel information with the main pushing force greater than a configuration value as target information;
and fusing the target information to obtain the channel wind control model.
Specifically, the determining unit 111 determines the dominant thrust of the demand channel to the current channel information by using the customer information based on a machine learning algorithm, including:
extracting a channel value of each customer on the current channel information from the customer information;
acquiring a channel score of the customer on the demand channel;
and determining the main pushing force according to the channel value and the channel score.
For example: the information of the customer A acquired to the demand channel comprises the following steps: the annual income is 30W, the house property with the value of 200W is famous, and the balance of the public accumulation fund is 10W; the information of the client B comprises: the annual income is 40W, 300W of valuable real estate is famous, and the balance of the public accumulation fund is 5W; the information of the client C comprises: the annual income is 50W, the house property with the value of 200W is famous, and the balance of the public accumulation fund is 20W. Extracting a channel value of 30W when the annual income of the customer A is more than 25W, a channel value of 200W when the property value of the customer A is more than 150W, and a channel value of 10W when the balance of the public deposit of the customer A is more than 1W; extracting a channel value of 40W when the annual income of the customer B is more than 25W, a channel value of 300W when the property value of the customer B is more than 150W, and a channel value of 5W when the balance of the customer B in the accumulation fund is more than 1W; and extracting that the channel value of the third customer on the annual income of more than 25W is 50W, the channel value of the third customer on the house property value of more than 150W is 200W, and the channel value of the third customer on the accumulation balance of more than 1W is 20W. The channel score of the client A is 77, the channel score of the client B is 111, the channel score of the client C is 89, and the calculation result shows that the main pushing force of the annual income greater than 25W is 50%, the main pushing force of the real estate value greater than 150W is 30%, and the main pushing force of the accumulation fund balance greater than 1W is 20%.
In at least one embodiment of the present invention, the determining unit 111 fuses the target information to obtain the channel wind control model.
Taking the above example as a support, the target information is that the annual income is more than 25W and the real estate value is more than 150W, and the target information is fused to obtain a channel wind control model as follows: the annual income is more than 25Wand house property value and more than 150W.
The obtaining unit 110 obtains user information according to the fund routing request and the channel wind control model.
In at least one embodiment of the present invention, the user information refers to information required for detecting a wind control, and the user information includes: user identification number, annual income, consumption status, etc.
In at least one embodiment of the present invention, the obtaining unit 110 obtains the user information according to the fund routing request and the channel wind control model includes:
acquiring an IP address for initiating the fund routing request and initiating time of the fund routing request;
determining a target client according to the IP address, and acquiring a log table from the target client;
acquiring an account corresponding to the initiation time from the log table;
determining an initiating user according to the account, and acquiring information corresponding to the initiating user from a preset archive;
and screening information corresponding to the channel wind control model from the acquired information as the user information.
The preset archive stores a plurality of users and related information of the users.
Specifically, the obtaining unit 110 selects, from the obtained information, information corresponding to the channel wind control model as the user information, including:
and extracting target channel information for determining the channel wind control model from the current channel information, and screening information corresponding to the target channel information from the obtained information to serve as the user information.
For example: extracting and determining the target channel information of the channel wind control model as follows: the annual income is more than 30 ten thousand, and the acquired information comprises: the mobile phone number, the annual income and the family members, and the target information corresponding to the target channel information is obtained from the obtained information: and (4) annual income.
The channel wind control model can be used for acquiring user information required by wind control detection, so that the wind control detection efficiency can be improved, and the storage space of the electronic equipment can be saved.
And the verification unit verifies whether the user information passes the wind control detection of the demand channel according to the sequence of the priorities from high to low.
In at least one embodiment of the present invention, the wind control detection means detecting whether the user information meets the wind control requirement of the demand channel, for example, the annual income of the user is greater than 20 ten thousand.
Wherein the wind control requirements may include one or more requirements.
In at least one embodiment of the present invention, the verifying unit, according to the ranking order of the priority from high to low, that the user information passes through the wind control detection of the demand channel includes:
determining a target channel from the demand channels according to the ranking order of the priority from high to low;
determining a target model corresponding to the target channel from the channel wind control model;
inputting the user information into the target model to obtain an output result;
and when the output result is passing detection, determining that the user information passes the wind control detection of the demand channel.
The channel wind control model may include a plurality of different models because the channel wind control model is determined by current channel information of a plurality of channels, and the current channel information of each channel is different.
For example: the demand channel includes 3 channels, is channel B, channel C, channel D respectively, channel B's priority is 60%, channel C's priority is 40%, channel D's priority is 20%, according to the sequence of priority will channel B confirms to be the target channel, and acquires channel B's channel wind accuse model, as the target model, will user information input extremely target model obtains the output result and does user information passes through channel B's wind accuse detects, confirms user information passes through channel B's wind accuse detects.
In other embodiments, when the output result is a failed detection, and it is determined that the user information does not pass the wind control detection of the demand channel, the verification unit continues to determine the target channel from the demand channels in the order of the priority from high to low.
For example: when the output result of the channel B is failed to be detected, it is determined that the user information fails to pass the wind control detection of the channel B, and the verification unit determines that the target channel is the channel C and verifies whether the user information passes the wind control detection of the channel C.
When the user information passes through the wind control detection of the demand channel, the determining unit 111 determines the demand channel which passes through the wind control detection first as the response result of the fund routing request.
It is emphasized that, in order to further ensure the privacy and security of the response result, the response result may also be stored in a node of a block chain.
In at least one embodiment of the present invention, when the user information passes the wind control detection of any demand channel, the verification unit 112 stops verifying whether the user information passes the wind control detection of other demand channels.
For example: the demand channel comprises a channel E and a channel F, the priority of the channel E is higher than that of the channel F, when the user information is used for the wind control detection of the channel E, the channel E is used as the response result of the fund routing request, and the verification of whether the user information passes the wind control detection of the channel F is stopped.
In at least one embodiment of the present invention, after determining the demand channel detected by the wind control first as the response result of the fund routing request, the obtaining unit 110 obtains the request number of the fund routing request;
the generating unit 113 generates prompt information according to the request number and the response result;
the encryption unit 114 encrypts the hint information by using a symmetric encryption technology to obtain a ciphertext;
the sending unit 115 sends the ciphertext to the terminal device of the designated contact.
By the implementation mode, when the response result is obtained, the prompt message can be generated and sent in time, and meanwhile, the prompt message is encrypted, so that the safety of the prompt message is improved.
According to the technical scheme, when a fund routing request is received, the user requirements can be obtained from the fund routing request; the fund routing request is triggered by a user, so that opinion demands which truly reflect the user intention can be acquired from the fund routing request, an effective fund channel is acquired from a fund pool, and a demand channel is determined by using the user demands and the effective fund channel; by acquiring the effective fund channel, the analysis of the invalid fund channel can be avoided, meanwhile, by determining the demand channel, the fund channel which is not intended by the user can be filtered, the analysis efficiency is improved, the fund channel which is intended by the user can be added, the wind control detection is more perfect, and the current channel information of the demand channel is acquired; the current channel information is acquired in real time, so that the information of the dynamic update of the demand channel can be acquired to improve the wind control detection accuracy, and the priority of the demand channel and the channel wind control model are determined according to the current channel information; acquiring user information according to the fund routing request and the channel wind control model; the channel wind control model can be used for acquiring user information required by wind control detection, so that the wind control detection efficiency can be improved, the storage space of electronic equipment can be saved, and whether the user information passes the wind control detection of the required channel or not is verified according to the sequence of the priorities from high to low; and when the user information passes through the wind control detection of the demand channel, determining the demand channel which passes through the wind control detection firstly as a response result of the fund routing request. The method and the device analyze the effective fund channels by combining the user requirements and the current channel information, can find the proper fund channels for the users, and can improve the confirmation efficiency of the fund channels because the analysis of the ineffective fund channels is eliminated.
Fig. 3 is a schematic structural diagram of an electronic device implementing the fund routing method according to the preferred embodiment of the present invention.
In one embodiment of the present invention, the electronic device 1 includes, but is not limited to, a memory 12, a processor 13, and computer readable instructions, such as a money routing program, stored in the memory 12 and executable on the processor 13.
It will be appreciated by a person skilled in the art that the schematic diagram is only an example of the electronic device 1 and does not constitute a limitation of the electronic device 1, and that it may comprise more or less components than shown, or some components may be combined, or different components, e.g. the electronic device 1 may further comprise an input output device, a network access device, a bus, etc.
The Processor 13 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. The processor 13 is an operation core and a control center of the electronic device 1, and is connected to each part of the whole electronic device 1 by various interfaces and lines, and executes an operating system of the electronic device 1 and various installed application programs, program codes, and the like.
The processor 13 executes an operating system of the electronic device 1 and various installed application programs. The processor 13 executes the application to implement the steps in the various fund routing method embodiments described above, such as the steps shown in fig. 1.
Illustratively, the computer readable instructions may be partitioned into one or more modules/units that are stored in the memory 12 and executed by the processor 13 to implement the present invention. The one or more modules/units may be a series of computer readable instruction segments capable of performing specific functions, which are used for describing the execution process of the computer readable instructions in the electronic device 1. For example, the computer-readable instructions may be divided into an acquisition unit 110, a determination unit 111, a verification unit 112, a generation unit 113, an encryption unit 114, and a transmission unit 115.
The memory 12 may be used for storing the computer readable instructions and/or modules, and the processor 13 implements various functions of the electronic device 1 by executing or executing the computer readable instructions and/or modules stored in the memory 12 and invoking data stored in the memory 12. The memory 12 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data created according to use of the electronic device, and the like. Further, the memory 12 may include a non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage device, a Flash memory device, or other non-volatile solid state storage device.
The memory 12 may be an external memory and/or an internal memory of the electronic device 1. Further, the memory 12 may be a memory having a physical form, such as a memory stick, a TF Card (Trans-flash Card), or the like.
The integrated modules/units of the electronic device 1 may be stored in a computer-readable storage medium if they are implemented in the form of software functional units and sold or used as separate products. Based on such understanding, all or part of the flow of the method according to the above embodiments may be implemented by hardware that is configured to be instructed by computer readable instructions, which may be stored in a computer readable storage medium, and when the computer readable instructions are executed by a processor, the steps of the method embodiments may be implemented.
Wherein the computer readable instructions comprise computer readable instruction code which may be in source code form, object code form, an executable file or some intermediate form, and the like. The computer-readable medium may include: any entity or device capable of carrying said computer readable instruction code, recording medium, U-disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM).
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
In conjunction with fig. 1, the memory 12 in the electronic device 1 stores a plurality of instructions to implement a fund routing method, and the processor 13 may execute the plurality of instructions to implement:
when a fund routing request is received, acquiring user requirements from the fund routing request;
acquiring an effective fund channel from a fund pool, and determining a demand channel by using the user demand and the effective fund channel;
acquiring current channel information of the demand channel;
determining the priority of the demand channel and a channel wind control model according to the current channel information;
acquiring user information according to the fund routing request and the channel wind control model;
verifying whether the user information passes the wind control detection of the demand channel according to the sequence of the priorities from high to low;
and when the user information passes through the wind control detection of the demand channel, determining the demand channel which passes through the wind control detection firstly as a response result of the fund routing request.
Specifically, the processor 13 may refer to the description of the relevant steps in the embodiment corresponding to fig. 1 for a specific implementation method of the instruction, which is not described herein again.
In the embodiments provided in the present invention, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the modules is only one logical functional division, and other divisions may be realized in practice.
The modules described as separate parts may or may not be physically separate, and parts displayed as modules may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment.
In addition, functional modules in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, or in a form of hardware plus a software functional module.
The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference signs in the claims shall not be construed as limiting the claim concerned.
Furthermore, it is obvious that the word "comprising" does not exclude other elements or steps, and the singular does not exclude the plural. A plurality of units or means recited in the system claims may also be implemented by one unit or means in software or hardware. The terms second, etc. are used to denote names, but not any particular order.
Finally, it should be noted that the above embodiments are only for illustrating the technical solutions of the present invention and not for limiting, and although the present invention is described in detail with reference to the preferred embodiments, it should be understood by those skilled in the art that modifications or equivalent substitutions may be made on the technical solutions of the present invention without departing from the spirit and scope of the technical solutions of the present invention.

Claims (10)

1. A funds routing method, comprising:
when a fund routing request is received, acquiring user requirements from the fund routing request;
acquiring an effective fund channel from a fund pool, and determining a demand channel by using the user demand and the effective fund channel;
acquiring current channel information of the demand channel;
determining the priority of the demand channel and a channel wind control model according to the current channel information;
acquiring user information according to the fund routing request and the channel wind control model;
verifying whether the user information passes the wind control detection of the demand channel according to the sequence of the priorities from high to low;
and when the user information passes through the wind control detection of the demand channel, determining the demand channel which passes through the wind control detection firstly as a response result of the fund routing request.
2. The funds routing method of claim 1, wherein the obtaining user requirements from the funds routing request comprises:
acquiring an idle thread from a preset thread pool;
analyzing the method body of the fund routing request by using the idle thread to obtain data information carried by the fund routing request;
and acquiring a preset label, and acquiring information corresponding to the preset label from the data information as the user requirement.
3. The fund routing method according to claim 1, wherein the obtaining an effective fund channel from a fund pool and the determining a demand channel using the user demand and the effective fund channel comprises:
obtaining a valid identifier of each fund channel from the fund pool;
determining the fund channel with the effective identifier as a preset identifier as the effective fund channel;
extracting an unintended channel and an intended channel in the user requirement;
detecting whether the non-intended channels are included in the effective funds channels and detecting whether the intended channels are included in the effective funds channels;
and when the effective fund channel comprises the non-intention channel, deleting the non-intention channel from the effective fund channel, and when the effective fund channel does not comprise the intention channel, fusing the intention channel into the effective fund channel to obtain the demand channel.
4. The funds routing method of claim 1, wherein the obtaining current channel information for the demand channel comprises one or a combination of:
determining a channel website corresponding to the required channel, and acquiring a field corresponding to a preset column from the channel website as the current channel information; and/or
Determining a paper text corresponding to the demand channel, and identifying the current channel information from the paper text based on an OCR technology.
5. The fund routing method according to claim 1, wherein the obtaining user information according to the fund routing request and the channel wind model comprises:
acquiring an IP address for initiating the fund routing request and initiating time of the fund routing request;
determining a target client according to the IP address, and acquiring a log table from the target client;
acquiring an account corresponding to the initiation time from the log table;
determining an initiating user according to the account, and acquiring information corresponding to the initiating user from a preset archive;
and screening information corresponding to the channel wind control model from the acquired information as the user information.
6. The fund routing method according to claim 1, wherein the verifying whether the user information passes the wind-controlled detection of the demand channel in the ranked order of the priority from high to low comprises:
determining a target channel from the demand channels according to the ranking order of the priority from high to low;
determining a target model corresponding to the target channel from the channel wind control model;
inputting the user information into the target model to obtain an output result;
and when the output result is passing detection, determining that the user information passes the wind control detection of the demand channel.
7. The fund routing method according to claim 1, wherein after determining a demand channel that is first detected by a wind as a response result to the fund routing request, the method further comprises:
acquiring a request number of the fund routing request;
generating prompt information according to the request number and the response result;
encrypting the prompt information by adopting a symmetric encryption technology to obtain a ciphertext;
and sending the ciphertext to the terminal equipment of the appointed contact person.
8. A funds routing apparatus, comprising:
the fund routing request processing device comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring user requirements from a fund routing request when the fund routing request is received;
the determining unit is used for acquiring an effective fund channel from a fund pool and determining a demand channel by using the user demand and the effective fund channel;
the acquiring unit is further configured to acquire current channel information of the demand channel;
the determining unit is further configured to determine a priority of the demand channel and a channel wind control model according to the current channel information;
the acquiring unit is further used for acquiring user information according to the fund routing request and the channel wind control model;
the verification unit is used for verifying whether the user information passes the wind control detection of the demand channel according to the arrangement sequence of the priority levels from high to low;
the determining unit is further configured to determine, when the user information passes through the wind control detection of the demand channel, the demand channel that passes through the wind control detection first as a response result of the fund routing request.
9. An electronic device, characterized in that the electronic device comprises:
a memory storing at least one instruction; and
a processor executing instructions stored in the memory to implement the funds routing method of any of claims 1 to 7.
10. A computer-readable storage medium characterized by: the computer-readable storage medium having stored therein at least one instruction for execution by a processor in an electronic device to implement the fund routing method of any one of claims 1-7.
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