CN112102063A

CN112102063A - Data request method, device, equipment, platform and computer storage medium

Info

Publication number: CN112102063A
Application number: CN202010900541.5A
Authority: CN
Inventors: 符修亮; 万磊; 李毅; 钱进
Original assignee: WeBank Co Ltd
Current assignee: WeBank Co Ltd
Priority date: 2020-08-31
Filing date: 2020-08-31
Publication date: 2020-12-18
Anticipated expiration: 2040-08-31
Also published as: CN112102063B

Abstract

The embodiment of the application provides a data request method, a data request device, electronic equipment, a loan platform and a computer-readable storage medium; the method comprises the following steps: receiving a loan request message from an interface of an asset party, and caching the loan request message into a queue; acquiring first data and second data, wherein the first data represents the number of times of success of historical loan requests of the self-property side interface to a plurality of candidate fund side interfaces, and the second data represents the number of times of failure of the historical loan requests of the self-property side interface to the plurality of candidate fund side interfaces; determining a target fund party interface used for receiving the loan request message in a plurality of candidate fund party interfaces according to the first data and the second data; and reading the loan request messages from the queue in turn through preset threads, after reading the loan request messages from the queue by any one of the threads, routing the loan request messages to the target fund party interface, and receiving loan request results returned by the target fund party interface.

Description

Data request method, device, equipment, platform and computer storage medium

Technical Field

The present application relates to the field of financial technology (Fintech) loan transactions, and relates to, but is not limited to, a data request method, apparatus, electronic device, loan platform, and computer-readable storage medium.

Background

With the development of computer technology, more and more technologies are applied in the financial field, and the traditional financial industry is gradually changing to financial technology, but higher requirements are also put forward on the technologies due to the requirements of the financial industry on safety and real-time performance.

At present, in the field of financial science and technology, a loan platform can realize the butt joint of a self-property side interface and a candidate fund side interface, however, the self-property side interface can only be in butt joint with an agreed candidate fund side interface, the self-property side interface can not necessarily obtain the successful result of a loan request from the agreed candidate fund side interface, and the possibility of successfully obtaining a loan is reduced to a certain extent; also, if the loan platform receives a large number of loan requests from the candidate funder interface at the same time, the computational resource consumption may be exacerbated due to the high concurrency of the loan requests.

Disclosure of Invention

Embodiments of the present application provide a data request method, apparatus, electronic device, loan platform, and computer-readable storage medium, which are used to solve the problem that computing resource consumption is aggravated due to high concurrency of loan requests.

The technical scheme of the embodiment of the application is realized as follows:

the embodiment of the application provides a data request method, which comprises the following steps:

receiving a loan request message sent by an asset side interface, and caching the loan request message into a queue;

obtaining first data and second data, wherein the first data represents the number of times of success of historical loan requests of the self-property side interface to a plurality of candidate fund side interfaces, and the second data represents the number of times of failure of the historical loan requests of the self-property side interface to the candidate fund side interfaces;

determining a target fund party interface used for receiving the loan request message in the plurality of candidate fund party interfaces according to the first data and the second data;

and reading loan request messages from the queue in turn through preset threads, routing the loan request messages to the target fund party interface after any one of the threads reads the loan request messages from the queue, and receiving loan request results returned by the target fund party interface.

In some embodiments of the present application, the determining, according to the first data and the second data, a target funder interface of the plurality of candidate funder interfaces for receiving the loan request message includes:

determining a routing weight coefficient between the self-asset side interface and each candidate funder side interface according to the first data and the second data;

determining a first set comprising at least one candidate funder interface based on the first data, the second data, and the routing weight coefficient;

and selecting any one candidate fund party interface as the target fund party interface in the first set.

In some embodiments of the present application, said determining a routing weight coefficient between said self-asset side interface and said each candidate funder side interface based on said first data and said second data comprises:

and according to the first data and the second data, adopting the following formula to obtain a routing weight coefficient between the self-asset side interface and each candidate fund side interface:

wherein, w_iRepresenting a routing weight coefficient, A _ F, between the self-asset side interface and the ith candidate funder side interface_iThe _Srepresents the number of times that the self-property side interface obtains the successful result of the loan request from the ith candidate fund side interface, and the ALL _ S represents the total number of times that the self-property side interface obtains the successful result of the loan request from each candidate fund side interface; a _ F_iF represents the number of times of obtaining loan request failure results from the ith candidate fund side interface by the self-property side interface, and ALL _ F represents the total number of times of obtaining loan request failure results from each candidate fund side interface by the self-property side interface; and i takes 1 to n, wherein n represents the number of candidate fund side interfaces of the candidate fund side interfaces.

In some embodiments of the present application, the first set represents a set of candidate funder interfaces that satisfy a first preset condition;

the method further comprises the following steps: determining A _ F_iS minus A _ F_iF is obtained, and a first difference value A _ F corresponding to the ith candidate fund side interface_i(ii) a At A _ F_i>0, and A _ F_i*w_iAnd under the condition that D is greater than or equal to D, determining that the ith candidate fund side interface meets a first preset condition, wherein D represents a first preset value.

In some embodiments of the present application, the method further comprises: and under the condition that the loan request result is a loan request failure result, reselecting one candidate fund party interface from the unselected candidate fund party interfaces in the first set as the target fund party interface.

In some embodiments of the present application, the determining, according to the first data and the second data, a target fund party interface of the plurality of candidate fund party interfaces for receiving the loan request message further includes:

obtaining a second set in response to the condition that the loan request result corresponding to each candidate fund side interface of the first set is a loan request failure result, wherein the second set represents the set of candidate fund side interfaces which do not meet the first preset condition in the multiple candidate fund side interfaces;

determining the target funder interface in the second set.

In some embodiments of the present application, said determining said target funder interface in said second set comprises:

deleting the candidate fund party interfaces meeting a second preset condition from the second set to obtain a third set; determining the target funder interface in the third set;

the method further comprises the following steps:

and under the condition that the first difference value corresponding to the ith candidate fund side interface is smaller than or equal to 0 and the product of the first difference value corresponding to the ith candidate fund side interface and the weight coefficient of the ith candidate fund side interface is smaller than or equal to a second preset value, determining that the ith candidate fund side interface meets a second preset condition, wherein the second preset value is smaller than the first preset value.

In some embodiments of the present application, said determining said target funder interface in said third set comprises:

in the third set, taking a set of candidate fund side interfaces meeting a third preset condition as a fourth set; determining the target funder interface in the fourth set;

the method further comprises the following steps:

determining a second difference obtained by subtracting the second secondary number from the first secondary number; the first number represents the number of times of success of the historical loan request of the self-property side interface to the jth candidate fund side interface of the third set, and the second number represents the number of times of failure of the historical loan request of the self-property side interface to the jth candidate fund side interface; j takes 1 to Q, and Q represents the number of candidate fund party interfaces in the third set;

and under the condition that the second difference is larger than or equal to a third preset value, determining that the jth candidate fund side interface meets a third preset condition.

In some embodiments of the present application, said determining said target funder interface in said fourth set comprises:

obtaining a probability parameter, wherein the probability parameter represents the probability that the self-property side interface obtains a successful result of the loan request from each candidate fund side interface of the fourth set;

sorting the candidate fund side interfaces of the fourth set according to the probability parameters to obtain a sorting result; and selecting a candidate fund party interface as the target fund party interface according to the sorting result.

In some embodiments of the present application, said selecting a candidate funder interface as the target funder interface according to the ranking result includes:

and under the condition that the loan request result is a loan request failure result, reselecting one candidate fund party interface as the target fund party interface from the unselected candidate fund party interfaces in the fourth set according to the sorting result.

In some embodiments of the present application, the determining the target funder interface in the third set further comprises:

responding to the situation that the loan request result corresponding to each candidate fund side interface of the fourth set is a loan request failure result, and obtaining a fifth set, wherein the fifth set represents a set of candidate fund side interfaces which do not meet the third preset condition in the third set;

randomly picking the target funder interface from the fifth set.

In some embodiments of the present application, the method further comprises:

updating the success times of the historical loan request of the self-property side interface to the target fund side interface under the condition that the loan request result is a successful loan request result;

and updating the failure times of the historical loan request of the self-property side interface to the target fund side interface under the condition that the loan request result is a loan request failure result.

In some embodiments of the present application, the method further comprises: after any one of the threads reads data from the queue, deleting the read data from the queue; and closing the corresponding thread when any one thread fails to read the data from the queue.

In some embodiments of the present application, the method further comprises:

after receiving the loan request message from the self-property side interface, mapping the loan request message to a core routing table according to a predetermined field mapping table;

said routing said loan request message to said target funder interface comprising:

and routing the loan request message to the target fund party interface according to the content in the core routing table.

An embodiment of the present application provides a data request apparatus, including:

the system comprises a receiving and sending module, a processing module and a sending and receiving module, wherein the receiving and sending module is used for receiving a loan request message sent by an asset party interface and caching the loan request message into a queue;

the system comprises an acquisition module and a processing module, wherein the acquisition module is used for acquiring first data and second data, the first data represents the success times of historical loan requests of the self-property side interface to a plurality of candidate fund side interfaces, and the second data represents the failure times of the historical loan requests of the self-property side interface to the candidate fund side interfaces;

the processing module is used for determining a target fund party interface used for receiving the loan request message in the candidate fund party interfaces according to the first data and the second data;

and the transceiver module is further used for reading loan request messages from the queue in turn through preset threads, after any one of the threads reads the loan request messages from the queue, routing the loan request messages to the target fund party interface, and receiving loan request results returned by the target fund party interface.

In some embodiments of the present application, the processing module, configured to determine, according to the first data and the second data, a target fund party interface of the multiple candidate fund party interfaces for receiving the loan request message, includes:

In some embodiments of the present application, the processing module, configured to determine a routing weight coefficient between the self-asset side interface and each candidate funder side interface according to the first data and the second data, includes:

the processing module is further used for determining A _ F_iS minus A _ F_iF is obtained, and a first difference value A _ F corresponding to the ith candidate fund side interface_i(ii) a At A _ F_i>0, and A _ F_i*w_iAnd under the condition that D is greater than or equal to D, determining that the ith candidate fund side interface meets a first preset condition, wherein D represents a first preset value.

In some embodiments of the application, the processing module is further configured to reselect one candidate fund interface from the unselected candidate fund interfaces of the first set as the target fund interface if the result of the loan request is a result of a failure of the loan request.

In some embodiments of the present application, the processing module is configured to determine, according to the first data and the second data, a target fund party interface in the multiple candidate fund party interfaces for receiving the loan request message, and further includes:

determining the target funder interface in the second set.

In some embodiments of the present application, the processing module, to determine the target funder interface in the second set, comprises:

the processing module is further configured to determine that the ith candidate fund side interface meets a second preset condition when a first difference corresponding to the ith candidate fund side interface is less than or equal to 0 and a product of the first difference corresponding to the ith candidate fund side interface and a weight coefficient of the ith candidate fund side interface is less than or equal to a second preset value, where the second preset value is less than the first preset value.

In some embodiments of the present application, the processing module, to determine the target funder interface in the third set, comprises:

the processing module is further configured to:

In some embodiments of the present application, the processing module, to determine the target funder interface in the fourth set, comprises:

In some embodiments of the present application, the processing module is configured to select a candidate funder interface as the target funder interface according to the sorting result, and includes:

In some embodiments of the present application, the processing module, configured to determine the target funder interface in the third set, further comprises:

randomly picking the target funder interface from the fifth set.

In some embodiments of the present application, the processing module is further configured to:

In some embodiments of the present application, after any one of the threads reads data from the queue, the read data is deleted from the queue; and closing the corresponding thread when any one thread fails to read the data from the queue.

In some embodiments of the present application, the transceiver module is further configured to map the loan request message into a core routing table according to a predetermined field mapping table after receiving the loan request message from the self-property side interface;

the transceiver module is configured to route the loan request message to the target funder interface, and includes: and routing the loan request message to the target fund party interface according to the content in the core routing table.

An embodiment of the present application provides an electronic device, which includes:

a memory for storing executable instructions;

and the processor is used for realizing any one of the data request methods when executing the executable instructions stored in the memory.

An embodiment of the present application provides a loan platform, including any one of the above data requesting devices or any one of the above electronic devices.

An embodiment of the present application provides a computer-readable storage medium, which stores executable instructions and is configured to, when executed by a processor, implement any one of the above data requesting methods.

In the embodiment of the application, a loan request message sent by an asset side interface is received, and the loan request message is cached in a queue; obtaining first data and second data, wherein the first data represents the number of times of success of historical loan requests of the self-property side interface to a plurality of candidate fund side interfaces, and the second data represents the number of times of failure of the historical loan requests of the self-property side interface to the candidate fund side interfaces; determining a target fund party interface used for receiving the loan request message in the plurality of candidate fund party interfaces according to the first data and the second data; and reading loan request messages from the queue in turn through preset threads, routing the loan request messages to the target fund party interface after any one of the threads reads the loan request messages from the queue, and receiving loan request results returned by the target fund party interface. It can be seen that for any one self-property side interface, a target property side interface can be determined according to historical loan requests of the self-property side interface to a plurality of candidate property side interfaces, and the loan platform is not required to configure the corresponding candidate property side interface for the self-property side interface in advance; according to the success times and the failure times of the historical loan requests of the self-property side interface to the candidate fund side interface, the probability that the loan request success results are obtained from the candidate fund side interface through the self-property side interface is favorably determined, and then after the target fund side interface is determined, the loan request success results are obtained from the target fund side interface with higher probability, so that the loan obtaining possibility is improved to a certain extent; further, compared with a mechanism for directly reading the loan request message from the property side interface, the mechanism for obtaining the loan request message from the queue can alleviate the problem of excessive resource consumption caused by excessive loan request messages to a certain extent.

Drawings

FIG. 1 is a schematic diagram of an application scenario of an embodiment of the present application;

FIG. 2 is an alternative flow chart of a data request method provided by an embodiment of the present application;

FIG. 3 is a schematic diagram of another application scenario of an embodiment of the present application;

FIG. 4 is a schematic diagram of an alternative structure of a data request device according to an embodiment of the present disclosure;

fig. 5 is a schematic diagram of an alternative composition structure of an electronic device according to an embodiment of the present application.

Detailed Description

In the related art, the loan platform may integrate an asset party and a fund party, wherein the asset party represents a party providing loan clients in the loan transaction, and the fund party represents a party providing funds required for the loan in the loan transaction; one or more self-asset party interfaces may be set for each asset party, and one or more candidate funder interfaces may be set for each funder party; in practical implementation, the loan platform may uniformly establish a docking manner between the self-asset party interface and the candidate fund party interface, the loan platform may agree on the corresponding candidate fund party interface for each self-asset party interface, or agree on the corresponding self-asset party interface for each candidate fund party interface, each self-asset party interface may only dock with the agreed candidate fund party interface, and each candidate fund party interface may only dock with the agreed self-asset party interface.

Along with the development of loan business, the loan platform unifies and establishes a butt joint mode of an interface of a self-property side and an interface of a candidate fund side, so that the subsequent loan business requirements are difficult to meet; when a new loan business requirement appears, a candidate fund side interface may need to be changed from an asset side interface, so that the loan business is easily influenced; further, to meet the new loan transaction requirements, new self-asset interfaces may need to be deployed for the assets or candidate funder interfaces, and assets or funder candidates that already have self-asset interfaces are often reluctant to invest additional costs to develop additional interfaces, which may result in the loss of assets or funders.

Further, when a new self-asset side interface or a new candidate fund side interface appears, the loan platform needs to re-establish a docking mode of the self-asset side interface and the candidate fund side interface aiming at the new self-asset side interface or the new candidate fund side interface, and the labor cost and the time cost are increased.

In view of the above technical problems, the technical solutions of the embodiments of the present application are provided.

In order to make the objectives, technical solutions and advantages of the present application clearer, the present application will be described in further detail with reference to the attached drawings, the described embodiments should not be considered as limiting the present application, and all other embodiments obtained by a person of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

The embodiment of the present application provides a data request method, an apparatus, an electronic device, a loan platform, and a computer-readable storage medium, where the data request method of the embodiment of the present application may be applied to the loan platform, and an exemplary application of the loan platform provided in the embodiment of the present application is described below, the loan platform provided in the embodiment of the present application may be implemented as a terminal and/or a server, and the terminal may be a tablet computer, a notebook computer, a desktop computer, or the like, but is not limited thereto; the server may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a Network service, cloud communication, middleware service, a domain name service, a security service, a Content Delivery Network (CDN), a big data and artificial intelligence platform, and the like.

FIG. 1 is a schematic diagram of an application scenario of an embodiment of the present application, as shown in FIG. 1, an asset side system 100 may connect to a funding side system 102 through a loan platform 101; the asset side system 100 may include at least one self-asset side interface, each self-asset side interface belonging to one asset side; the funder system may include at least one candidate funder interface, each candidate funder interface belonging to a funder; each self-property side interface or each candidate fund side interface can be connected with the loan platform 101 through a network, and can also be connected with the loan platform 101 in other modes; the network may be a wide area network or a local area network, or a combination of both.

In some embodiments of the present application, the loan platform 101 may receive a loan request message from the candidate funder interface of the property system 100, the loan request message representing a message requesting to obtain a funder loan. After receiving the loan request message, the loan platform 101 may send the loan request message to any of the candidate funder interfaces of the funder system 102.

After receiving the loan request message, the candidate fund party interface may return a loan request result to the loan platform 101, where the loan request result may be a successful loan request result indicating that the loan acquisition is successful, or a failed loan request result indicating that the loan acquisition is failed.

After receiving the loan request result, the loan platform 101 may send the loan request result to the self-property side interface, so that the property side can obtain the loan request result.

The loan request method according to the embodiment of the present application is described below with reference to the application scenario shown in fig. 1.

Fig. 2 is an optional flowchart of a data request method according to an embodiment of the present application, and as shown in fig. 2, the flowchart may include:

step 201: and receiving a loan request message sent by the property side interface, and caching the loan request message into a queue.

In this embodiment of the present application, the loan request message may include an identity identification number (ID) of the self-property side interface, an ID of the self-property side interface belonging to the self-property side interface, and loan service contents, which include but are not limited to a loan amount, a loan time limit, a loan interest rate, and the like; in some embodiments, the loan request message further includes a candidate fund party interface ID, and in the case that the loan request message includes the candidate fund party interface ID, the loan platform may directly route the loan request message to the corresponding candidate fund party interface according to the candidate fund party interface ID; in the case that the loan request message does not include the candidate funder interface ID, the loan platform may process according to the loan request method of the embodiments of the application.

In some embodiments of the application, the loan platform may include a message persistence module (persistence) configured to receive a loan request message sent from the ASSET side interface and store the loan request message in a persistence table (T _ persistence _ ASSET); here, for each self-property side interface, a corresponding message persistence module may be set, that is, the self-property side interface in the property side system and the persistence module in the loan platform form a one-to-one correspondence.

Fig. 3 is a schematic diagram of another application scenario of the embodiment of the present application, and as shown in fig. 3, the asset side system 100 has p self-asset side interfaces, which are respectively from the 1 st self-asset side interface to the p th self-asset side interface, where p is an integer greater than 1; in the loan platform 101, persistor-1 to persistor-p respectively represent p message persistence modules, and p self-property side interfaces of the property side system 100 and the p message persistence modules in the loan platform 101 form a one-to-one correspondence.

With reference to fig. 3, after receiving the loan request message, each message persistence module may store the loan request message into a persistence table, where table fields of the persistence table may include an ASSET _ ID field, an INTE RFACE _ ID field, and a BIZ _ CONTENT field, where the ASSET _ ID field is used to fill the ID of the self-ASSET-side INTERFACE, the INTERFACE _ ID field is used to fill the ID of the self-ASSET-side INTERFACE, the BIZ _ CONTENT field is used to fill the loan service CONTENT, and in some embodiments, the BIZ _ CONTENT field is also used to fill the ID of the self-ASSET-side INTERFACE and the ID of the self-ASSET-side INTERFACE.

In some embodiments of the present application, the table field of the persistent table may also include a FUND _ ID field used to populate the candidate funder interface IDs.

As can be understood, caching the loan request message into the queue is beneficial for multiple threads to simultaneously obtain the loan request message from the queue, on one hand, the processing speed of the loan request message is increased, and on the other hand, compared with a mechanism for directly reading the loan request message from an asset side interface, the mechanism for obtaining the loan request message from the queue can alleviate the problem of excessive resource consumption caused by excessive loan request messages to a certain extent.

In some embodiments of the present application, the loan request message may be cached through a Remote Dictionary service (Remote Dictionary S over, Redis) queue; in one implementation, the loan request message may be stored in a persistent table, and the persistent table may be cached through a Redis queue; the processing mechanism of the loan request message based on the Re dis queue can fully utilize the processing capacity of the loan platform and support a plurality of servers in the loan platform to read the message from the Redis queue at the same time; in addition, the processing mechanism of the loan request message based on the Redis queue can support the loan platform to add a server and other computing devices, so as to realize the extension of the computing devices of the loan platform.

In some embodiments of the present application, after the loan request message is cached by the Redis queue, response information may be returned to the corresponding self-property side interface, where the response information indicates that the loan platform successfully receives the loan request message.

In some embodiments of the present application, after caching the persistent table through the Redis queue, the message persistence module may send a Redis broadcast message to notify all computing devices in the loan platform to read data of the Redis queue.

Step 202: first data and second data are acquired.

Here, the first data represents the number of times of success of the historical loan requests from the asset side interface to the plurality of candidate funder interfaces, and the second data represents the number of times of failure of the historical loan requests from the asset side interface to the plurality of candidate funder interfaces.

In the embodiment of the application, after a loan request is sent from an asset side interface to a candidate fund side interface, after a loan request result is received each time, if the loan request result is a loan request success result, the success frequency of a historical loan request can be increased by 1; if the loan request result is a loan request failure result, the failure times of the historical loan request can be increased by 1; as such, the number of successes of historical loan requests from the asset side interface to the plurality of candidate funder interfaces and the number of failures of historical loan requests from the asset side interface to the plurality of candidate funder interfaces may be determined.

Step 203: and determining a target fund party interface used for receiving the loan request message in the plurality of candidate fund party interfaces according to the first data and the second data.

In an embodiment of the application, one candidate funder interface may be selected from the plurality of candidate funder interfaces as the target funder interface according to the first data and the second data.

Step 204: and reading loan request messages from the queue in turn through preset threads, routing the loan request messages to a target fund party interface after any one of the threads reads the loan request messages from the queue, and receiving loan request results returned by the target fund party interface.

In some embodiments of the present application, before routing the loan request message to the target funder interface, data may be read from the queue in turn through preset threads; after any one of the threads reads the data from the queue, deleting the read data from the queue; and closing the corresponding thread when any thread fails to read the data from the queue.

Here, the number of the preset threads can be determined according to the computing resources of the loan platform; in some embodiments, the preset maximum number of threads may be determined according to the number of cores of the processor in the loan platform, for example, when the number of cores of the processor in the loan platform is a, the maximum number of threads may be T ═ 2A, and in the embodiment of the present application, each core of the processor may process at least two threads simultaneously.

It can be seen that in the embodiment of the application, the data in the queue is acquired by each thread in turn, which is beneficial to improving the processing efficiency of the loan request message in the queue; and when any thread fails to read data from the queue, closing the corresponding thread, so that the computing resources of the loan platform can be saved.

In some embodiments of the present application, the loan platform may further include a service logic processing module (dispo ser), where the service logic processing module is configured to monitor a broadcast message sent by the message persistence module, and start multiple threads to read data in the queue after monitoring the broadcast message; here, for each self-property side interface, a corresponding message persistence module may be set, that is, the self-property side interface in the property side system and the service logic processing module in the loan platform form a one-to-one correspondence; and the message persistence module and the service logic processing module in the loan platform form a one-to-one correspondence.

Referring to fig. 3, in the loan platform 101, disporser-1 to disporser-p respectively represent p service logic processing modules, and p message persistence modules in the loan platform 101 and the p service logic processing modules form a one-to-one correspondence relationship.

In one implementation, after each service logic processing module monitors the Redis broadcast message, it may detect the number of threads T currently running_cAt T_cIf the T-T is less than T, the new T-T can be established_cAnd (4) each thread.

Each thread reads data from the Redis queue in turn, and if any thread can successfully read the persistent table, the read data can be deleted from the Redis queue; if any thread can not read the data, the data can be read from the Redis queue at least once again; in some embodiments, if any one thread cannot read data, after waiting for a set time period, controlling the corresponding thread to try to read data from the Redis queue again, and if the data cannot be successfully read, indicating that the data in the Redis queue has been completely read, at this time, closing the corresponding thread to save the computing resources of the loan platform; here, the set time period may be set according to actual requirements, for example, the set time period is 5 seconds, 6 seconds, 8 seconds, or the like.

After any thread reads the persistent table, the contents of each field in the persistent table can be analyzed to obtain the specific contents of the loan request message.

In some embodiments of the present application, after receiving a loan request message sent from an asset side interface, the loan request message is mapped into a core routing table according to a predetermined field mapping table.

Correspondingly, the loan request message may be routed to the target fund party interface according to the content in the core routing table.

In the embodiment of the application, the field mapping table is used for representing the mapping relationship between the field of the loan request message and the field of the core routing table, so that the loan request message can be mapped into the core routing table according to the field mapping table.

In one implementation, the predetermined field mapping table may include the following fields: an ASSET _ ID field, an interrupt _ ID field, an ASSET _ COLUMN field, an MAP _ TABLE _ NAM E field, and a MAP _ COLUMN field, wherein the ASSET _ COLUMN field is used for filling the NAME of an ASSET party message field, the MAP _ TABLE _ NAME field is used for filling the NAME of a core routing TABLE, and the MAP _ COLUMN field is used for filling the NAME of a field in the core routing TABLE.

It can be seen that, in the embodiment of the present application, the loan request message may be mapped to the core routing table based on the field mapping table, so as to implement the routing of the loan request message, and the method has the characteristic of easy implementation.

In some embodiments of the present application, referring to fig. 3, the loan platform 101 may further include a routing module, which may be a router, and the routing module is configured to route the loan request message obtained by each business logic processing module to one candidate fund side interface based on a set routing rule.

In some embodiments of the application, the loan platform 101 may further include a message conversion module (dispatcher), where the message conversion module is connected to the routing module and the candidate fund party interface, and the message conversion module is configured to perform data conversion on data sent by the routing module and forward the data obtained after the data conversion to the candidate fund party interface; here, for each candidate fund side interface, a corresponding message conversion module may be set, that is, the candidate fund side interface in the fund side system and the message conversion module in the loan platform form a one-to-one correspondence.

Referring to fig. 3, the funder system 102 has n candidate funder interfaces, which are respectively the 1 st candidate funder interface to the nth candidate funder interface, n is an integer greater than 1, and n and p may be equal or unequal; in the loan platform 101, dispatch-1 to dispatch-n respectively represent n message conversion modules, and n self-property side interfaces of the fund side system 102 and n message conversion modules in the loan platform 101 form a one-to-one correspondence relationship.

In practical applications, the steps 201 to 204 may be implemented based on a Processor of a loan platform, and the Processor may be at least one of an Application Specific Integrated Circuit (a SIC), a Digital Signal Processor (DSP), a Digital Signal Processing Device (DSPD), a Programmable Logic Device (PLD), a Field Programmable Gate Array (fpga), a Central Processing Unit (CPU), a controller, a microcontroller, and a microprocessor. It is understood that the electronic device implementing the above-described processor function may be other electronic devices, and the embodiments of the present application are not limited thereto.

It can be seen that for any one self-property side interface, a target property side interface can be determined according to historical loan requests of the self-property side interface to a plurality of candidate property side interfaces, and the loan platform is not required to configure the corresponding candidate property side interface for the self-property side interface in advance; according to the success times and the failure times of the historical loan requests of the self-property side interface to the candidate fund side interface, the probability that the loan request success results are obtained from the candidate fund side interface through the self-property side interface is favorably determined, and then after the target fund side interface is determined, the loan request success results are obtained from the target fund side interface with higher probability, so that the loan obtaining possibility is improved to a certain extent; further, compared with a mechanism for directly reading the loan request message from the property side interface, the mechanism for obtaining the loan request message from the queue can alleviate the problem of excessive resource consumption caused by excessive loan request messages to a certain extent.

Further, the embodiment of the application can integrate a plurality of self-asset party interfaces and a plurality of candidate fund party interfaces through the loan platform, and the target fund party interface can be determined from the plurality of candidate fund party interfaces for each self-asset party interface.

When a new loan business requirement appears, the loan platform does not need to change the candidate fund side interface for the self-property side interface and configure a new candidate fund side interface for the self-property side interface, but can determine the target fund side interface corresponding to each self-property side interface based on the first data and the second data, namely, the target fund side interface is determined based on the data processing logic of the loan platform without reconfiguration on one side of the self-property side interface or the candidate fund side interface, so that the labor cost and the time cost are reduced.

The following is an exemplary description of the routing rules employed by the routing module.

For determining an implementation of a target funder interface of the multiple candidate funder interfaces for receiving the loan request message according to the first data and the second data, a routing weight coefficient between the self-funder interface and each candidate funder interface may be determined according to the first data and the second data, for example; determining a first set according to the first data, the second data and the routing weight coefficient, wherein the first set comprises at least one candidate fund side interface; in the first set, any one candidate funder interface is selected as a target funder interface.

In the embodiment of the application, an initial routing weight coefficient between an asset side interface and each candidate fund side interface can be configured in advance; in some embodiments, for the self-asset side interface and the different candidate funder side interfaces, a weight configuration table may be determined based on business factors such as regional factors, product attributes, and the like, the weight configuration table representing initial routing weight coefficients between the self-asset side interface and each candidate funder side interface.

After the initial routing weight coefficient is determined, after the first data and the second data are obtained, the initial routing weight coefficient between the self-asset side interface and each candidate fund side interface is updated according to the first data and the second data, and the routing weight coefficient between the self-asset side interface and each candidate fund side interface is obtained; illustratively, the routing weight coefficients between the self-asset side interface and each of the candidate funder side interfaces may be calculated once a day.

Take the k-th interface from the asset side in the asset side system as an example for explanation, k is 1 to p, and the k-th interface from the asset side is marked as A_k(ii) a The ith candidate funder interface in the funder system may be denoted as F_iI is 1 to n; w is a_kiRepresenting a routing weight coefficient between the kth self-asset side interface and the ith candidate funder side interface; in some embodiments, w_kiCan be calculated by the following formula (1):

wherein A is_k_F_iS represents the number of times that the kth self-funding side interface obtains the successful result of the loan request from the ith candidate funding side interface, and ALL _ S represents the kth self-funding side interfaceThe producer interface obtains the total times of successful results of the loan request from each candidate fund side interface; a. the_k_F_iWhere _Frepresents the number of times that the kth self-property side interface obtains the loan request failure result from the ith candidate fund side interface, and ALL _ F represents the total number of times that the kth self-property side interface obtains the loan request failure result from each candidate fund side interface.

As can be seen from the formula (1), A_k_F_iWhen S increases, A_k_F_iThe ratio of _ S to ALL _ S increases, then w_kiThe value of (a) is increased; when A is_k_F_iWhen F increases, A_k_F_iThe ratio of _Fto ALL _ F increases, then w_kiThe value of (a) is increased; it can be seen that w_kiAnd A_k_F_iS is in positive correlation with A_k_F_iF is inversely correlated, and thus, w_kiIf the value of (1) is larger, the kth self-property side interface is more likely to obtain the successful result of the loan request from the ith candidate fund side interface.

In the embodiment of the application, the first data and the second data may reflect the probability of obtaining the successful result of the loan request from each candidate fund side interface through the property side interface, and the routing weight coefficient may also reflect the probability of obtaining the successful result of the loan request from each candidate fund side interface through the property side interface, so that after the target fund side interface is selected from the first set determined according to the first data, the second data and the routing weight coefficient, the successful result of the loan request is obtained from the target fund side interface with a higher probability, which is favorable for improving the probability of successfully obtaining the loan.

In some embodiments of the present application, the first set represents a set of candidate funder interfaces that satisfy a first preset condition; accordingly, whether the candidate fund side interface meets the first preset condition can be judged according to the following modes: for the kth asset party, determine A_k_F_iS minus A_k_F_iF is obtained to obtain a first difference value A corresponding to the ith candidate fund side interface_k_F_i(ii) a In A_k_F_i>0, and A_k_F_i*w_kiIn the case of D or moreDetermining that the ith candidate fund side interface meets a first preset condition; in A_k_F_iLess than or equal to 0, or A_k_F_i*w_ki<Under the condition of D, determining that the ith candidate fund side interface does not meet a first preset condition; wherein D represents a first preset value.

Here, the first preset value may be preset according to actual requirements, and the embodiment of the present application does not limit this.

It can be understood that the first difference corresponding to the ith candidate fund side interface may reflect the possibility that the successful result of the loan request is obtained from the ith candidate fund side interface by the property side interface, and the greater the first difference corresponding to the ith candidate fund side interface is, the greater the probability that the successful result of the loan request is obtained from the ith candidate fund side interface by the property side interface is considered to be; further, according to the above-mentioned description, the larger the weight coefficient of the ith candidate fund side interface is, the more likely the kth self-property side interface is to obtain the successful result of the loan request from the ith candidate fund side interface; when the product of a first difference value corresponding to the ith candidate fund side interface and the weight coefficient of the ith candidate fund side interface is large, the ith candidate fund side interface is determined to meet a first preset condition, on the basis, the ith candidate fund side interface is used as a target fund side interface, a loan request message is sent to the ith candidate fund side interface, a loan request success result is more likely to be obtained, and the probability of obtaining a loan request failure result can be reduced to a certain extent.

In some embodiments of the application, in a case that the result of the loan request is a result of a failure of the loan request, one of the unselected candidate fund party interfaces of the first set may be reselected as the target fund party interface.

It can be seen that, in the embodiment of the present application, in the case that the result of the loan request failure is obtained from one candidate fund side interface of the first set, the loan request message may be sent to other candidate fund side interfaces of the first set, which is beneficial to improving the probability of obtaining the result of the loan request success.

In some embodiments of the application, a second set is obtained in response to a situation that a loan request result corresponding to each candidate fund party interface of the first set is a loan request failure result, where the second set represents a set of candidate fund party interfaces that do not satisfy the first preset condition among the multiple candidate fund party interfaces; the target funder interface is determined in a second set.

It can be seen that, in the embodiment of the present application, under the condition that the result of the loan request failure is obtained from each candidate fund side interface of the first set, the loan request message may be sent from the candidate fund side interface that does not satisfy the first preset condition, which is beneficial to improving the probability of obtaining the result of the loan request success.

For the implementation of determining the target fund party interface in the second set, for example, the candidate fund party interfaces meeting the second preset condition may be deleted in the second set to obtain a third set; a target funder interface is determined in the third set.

Correspondingly, under the condition that the first difference value corresponding to the ith candidate fund side interface is smaller than or equal to 0 and the product of the first difference value corresponding to the ith candidate fund side interface and the weight coefficient of the ith candidate fund side interface is smaller than or equal to a second preset value, the ith candidate fund side interface can be determined to meet a second preset condition; the second preset value is smaller than the first preset value.

Here, the second preset value may be preset according to actual requirements, and the embodiment of the present application does not limit this.

It can be understood that the first difference corresponding to the ith candidate fund side interface may reflect the probability that the successful result of the loan request is obtained from the ith candidate fund side interface by the property side interface, and the smaller the first difference corresponding to the ith candidate fund side interface is, the smaller the probability that the successful result of the loan request is obtained from the ith candidate fund side interface by the property side interface is; further, according to the above-mentioned description, the smaller the weight coefficient of the ith candidate fund side interface is, the greater the possibility that the kth self-property side interface may obtain the loan request failure result from the ith candidate fund side interface is; and when the product of the first difference corresponding to the ith candidate fund side interface and the weight coefficient of the ith candidate fund side interface is smaller, determining that the ith candidate fund side interface meets a second preset condition, deleting the candidate fund side interface meeting the second preset condition on the basis, and determining a target fund side interface in the rest interfaces, so that the efficiency of obtaining a successful result of the loan request is facilitated.

In some embodiments of the present application, determining the target funder interface in the third set may include: in the third set, taking the set of candidate fund party interfaces meeting a third preset condition as a fourth set; a target funder interface is determined in the fourth set.

Accordingly, whether the candidate funder interface satisfies the third preset condition may be determined according to the following manner:

determining a second difference obtained by subtracting the second secondary number from the first secondary number; the first number represents the number of times of success of the historical loan request from the property side interface to the jth candidate fund side interface of the third set, and the second number represents the number of times of failure of the historical loan request from the property side interface to the jth candidate fund side interface; j takes 1 to Q, and Q represents the number of candidate fund party interfaces in the third set;

determining that the jth candidate fund side interface meets a third preset condition under the condition that the second difference is greater than or equal to a third preset value; and under the condition that the second difference is smaller than a third preset value, determining that the jth candidate fund side interface does not meet a third preset condition.

Here, the third preset value may be preset according to actual requirements, and the embodiment of the present application does not limit this.

It is understood that, based on the meaning of the first number and the second number, the second difference value obtained by subtracting the second number from the first number may reflect the probability that the loan request success result is obtained from the asset side interface from the jth candidate fund side interface of the third set, and the greater the second difference value is, the greater the probability that the loan request success result is obtained from the asset side interface from the jth candidate fund side interface of the third set is considered to be; therefore, the jth candidate fund side interface of the third set is used as the target fund side interface, the loan request message is sent to the jth candidate fund side interface, the successful result of the loan request can be obtained more possibly, and the probability of the failure result of the loan request can be reduced to a certain extent.

For the implementation of determining the target funder interface in the fourth set, for example, a probability parameter may be obtained, where the probability parameter characterizes the probability that the loan request success result is obtained from the asset party interface from each candidate funder interface of the fourth set; sorting the candidate fund side interfaces of the fourth set according to the probability parameters to obtain a sorting result; and according to the sorting result, selecting the candidate fund side interface as the target fund side interface.

In some embodiments, for the kth self-asset side interface and the ith candidate funder side interface, the probability parameter may be a first difference value corresponding to the ith candidate funder side interface, may also be a weight coefficient of the ith candidate funder side interface, and may also be a product of the first difference value corresponding to the ith candidate funder side interface and the weight coefficient of the ith candidate funder side interface.

Therefore, the sequencing result reflects the probability sequencing of the successful result of the loan request, and the target fund party interface is selected according to the sequencing result, so that the successful result of the loan request can be rapidly obtained.

In some embodiments, the selecting of the candidate fund party interface as the target fund party interface according to the sorting result may be implemented by, in the case that the loan request result is a loan request failure result, reselecting one candidate fund party interface as the target fund party interface according to the sorting result from among the unselected candidate fund party interfaces in the fourth set.

It can be seen that, in the embodiment of the present application, in the case that the result of the loan request failure is obtained from one candidate fund side interface of the fourth set, the loan request message may be sent to other candidate fund side interfaces of the fourth set according to the sorting result, which is favorable for improving the probability of obtaining the successful result of the loan request.

In some embodiments of the application, a fifth set is obtained in response to a situation that a loan request result corresponding to each candidate fund party interface of the fourth set is a loan request failure result, where the fifth set represents a set of candidate fund party interfaces that do not satisfy a third preset condition in the third set; randomly selecting the target funder interface from a fifth set.

It can be seen that, in the embodiment of the present application, under the condition that the result of the loan request failure is obtained from each candidate fund side interface of the fourth set, the loan request message may be sent from the candidate fund side interface that does not satisfy the third preset condition, which is favorable for improving the probability of obtaining the result of the loan request success.

In some embodiments of the present application, after routing the loan request message to a target funder interface, if the received loan request result is a successful loan request result, updating the number of successful loan requests from the property side interface to the target funder interface; and if the received loan request result is a loan request failure result, updating the failure times of the historical loan request from the asset side interface to the target fund side interface.

It will be appreciated that the number of failures and successes in updating historical loan requests from the asset party interface to the target funder interface may be accurately determined based on the updated data.

The routing rule of the present application is exemplified below by taking the kth asset party as an example.

The process of routing the loan request message sent by the kth asset party may include the following steps; 1) maximum success rate matching, 2) minimum success rate removal, 3) weighted routing, and 4) random routing.

The implementation of the maximum success rate matching is described below.

In the embodiment of the present application, a count value a may be set_k_F_iL, count value A_k_F_iThe initial value of _Lis 0; when the kth self-property side interface obtains the successful result of the loan request from the ith candidate fund side interface each time, the counting value A is counted_k_F_iL plus 1 when the kth isThe asset side interface obtains the counting value A each time when the ith candidate fund side interface obtains the loan request failure result_k_F_iL minus 1, so that for the kth self-asset interface, the count value A is_k_F_iAnd L is a first difference value corresponding to the ith candidate fund side interface.

In some embodiments, the count value A may be_k_F_iL is stored in the ARRAY LOAN _ ARRAY, where the ARRAY LOAN _ ARRAY stores the count value A since i can take 1 to n in sequence_k_F₁L to A_k_F_n_L。

In some embodiments, traversing the ARRAY LOAN _ ARRAY, and taking out all data larger than 0 to obtain the ARRAY LOAN _ ARRAY _ G larger than 0; the average AVG _ G of the elements in ARRAY LOAN _ ARRAY _ G may then be determined.

AVG_G＝sum(LOAN_ARRAY_G)/m (2)；

Where sum () represents the sum, and m represents the number of elements in the ARRAY LOAN _ ARRAY _ G.

In some embodiments, the first preset value is determined according to the average value AVG _ G of the elements in the ARRAY load _ ARRAY _ G, and the first preset value is AVG _ G × m/2.

It can be seen that, in the case that the first difference corresponding to the ith candidate fund side interface is greater than 0, a_k_F_iL is an element in the ARRAY LOAN _ ARRAY _ G, at this time, A can be judged_k_F_iL and w_kiWhether the product of (a) and (b) is greater than or equal to a first preset value; in A_k_F_iL and w_kiWhen the product of the first and second values is greater than or equal to the first preset value, it may be determined that the ith candidate fund side interface meets the first preset condition, and it may be considered that the kth self-property side interface is more likely to obtain a successful result of the loan request from the ith candidate fund side interface, and the ith candidate fund side interface may be preferentially considered as the candidate fund side interface in the first set, so as to improve the possibility of successfully obtaining the loan.

In some embodiments, at A_k_F_iL and w_kiIn the case that the product of (i) is greater than or equal to the first preset value, the ith value may be setThe candidate fund party interface is used as a target fund party interface, then the routing module can route the kth loan request message sent from the property party interface to the ith candidate fund party interface, and when the received loan request result is a loan request failure result, the counting value A can be used_k_F_iL minus 1, and remove A in sets of LOAN _ ARRAY_k_F_iL; when the received loan request result is a successful loan request result, the counter value A may be set_k_F_iAnd adding 1 to L, and returning a successful result of the loan request to the kth self-property side interface.

In the embodiment of the application, a loan request message may be sent to any one of the candidate fund party interfaces meeting the first preset condition, and one of the candidate fund party interfaces that is not selected in the first set may be reselected as a target fund party interface in the case of receiving a loan request failure result.

The following describes an implementation of minimal success rate removal.

Traversing the ARRAY LOAN _ ARRAY, taking out all elements smaller than or equal to 0, and forming the ARRAY LOAN _ ARRAY _ L by all the taken out elements smaller than or equal to 0; the average value AVG _ L of the ARRAY LOAN _ ARRAY _ L is obtained,

AVG_L＝ sum(LOAN_ARRAY_L)/s (3)；

wherein s represents the number of elements in the ARRAY LOAN _ ARRAY _ L.

In some embodiments, the second preset value may be determined according to the average AVG _ L, and the second preset value is AVG _ L × s/2.

It can be seen that in the case that the first difference corresponding to the ith candidate funder interface is less than or equal to 0, a_k_F_iL is an element in the ARRAY LOAN _ ARRAY _ L, at this time, A can be judged_k_F_iL and w_kiWhether the product of (a) and (b) is less than or equal to a second preset value; in A_k_F_iL and w_kiMay be determined in the case that the product of (a) is less than or equal to a second predetermined valueWhen the second preset condition is satisfied, it may be considered that the kth self-property side interface is more likely to obtain the LOAN request failure result from the ith candidate fund side interface, and the ith candidate fund side interface may be deleted from the ARRAY LOAN _ ARRAY.

The implementation of weighted routing is described below.

In some embodiments, after each candidate fund interface satisfying the second preset condition is deleted from the ARRAY LOA N _ ARRAY, an average value of the ARRAY LOA _ ARRAY is calculated, and the average value of the ARRAY LOA _ ARRAY is used as the third preset value.

For each element in the ARRAY LOAN _ ARRAY, the size relationship between the element and the third preset value can be judged, so that all elements larger than the third preset value are taken out from the ARRAY LOAN _ ARRAY to obtain an ARRAY LOAN _ ARRAY _ A.

For the ARRAY LOAN _ ARRAY _ A, calculating a probability parameter corresponding to each element; illustratively, in A_k_F_iIn the case where L is an element of the ARRAY long _ ARRAY _ a, the probability parameter can be calculated according to equation (4):

V_ki＝A_k_F_i_L*w_ki (4)；

wherein, V_kiIs represented by A_k_F_iAnd (c) a probability parameter corresponding to _ L.

The probability parameters corresponding to each element in the ARRAY load _ ARRAY _ a may form a weighted ARRAY load _ WEIGHT.

The weighted ARRAY load _ WEIGHT is sorted from large to small, and an ordered weighted ARRAY load _ WEIGHT _ ARRAY can be obtained, where the weighted ARRAY load _ WEIGHT _ ARRAY is the sorting result.

According to the element sequencing in the weighted ARRAY LOAN _ WEIGHT _ ARRAY, selecting a corresponding candidate fund party interface as a target fund party interface, under the condition that the LOAN request result returned by one target fund party interface is the LOAN request failure result, sequencing the corresponding elements in the ARRAY LOAN _ ARRAY, and reselecting another candidate fund party interface as the target fund party interface until the LOAN request success result is obtained, or determining the LOAN request result corresponding to each element in the weighted ARRAY LOAN _ WEIGHT _ ARRAY as the LOAN request failure result.

In some embodiments, after sending the loan request message to the ith candidate funder interface, if the result of successful loan request is obtained, the counting value A is used_k_F_iAdding 1 to L, if obtaining the result of failure of loan request, counting the value A_k_F_iL minus 1.

The implementation of random routing is described below.

In the process of the weighted routing, if a successful result of the loan request is not obtained, one candidate fund party interface is randomly selected from the remaining candidate fund party interfaces to serve as a target fund party interface.

In some embodiments, the ARRAY LOAN _ ARRAY may be traversed, calculating the weighted values of the elements of the ARRAY LOAN _ ARRAY; illustratively, in A_k_F_iIn the case where _Lis an element of the ARRAY LOAN _ ARRAY, the probability parameter may be A_k_F_iA weighted value of _L.

Forming a weighted ARRAY LOAN _ WEI GHT _ A by using weighted values of all elements of the ARRAY LOAN _ ARRAY, randomly taking out the elements from the weighted ARRAY LOAN _ WEIGHT _ A, and determining a target fund side interface based on the randomly taken out elements; in some embodiments, elements may be randomly fetched from the WEIGHT array LO AN _ WEIGHT _ a based on equation (5):

V＝LOAN_WEIGHT_A[n％random(10)] (5)；

where [ n% random (10) ] denotes the remainder operation on a random number less than or equal to 10, and V denotes the number of elements from the WEIGHT array load _ WEIGHT _ a.

In some embodiments, a candidate funder interface may be determined based on the randomly retrieved elements, the determined candidate funder interface may be used as the target funder interface, and then the loan request message may be routed to the target funder interface; under the condition that a LOAN request result returned by one target fund side interface is a LOAN request failure result, another candidate fund side interface can be reselected as the target fund side interface based on the weighted array LOAN _ WEIGHT _ A until a LOAN request success result is obtained, or the LOAN request result corresponding to each element in the weighted array LOAN _ WEIGHT _ A is determined to be the LOAN request failure result; when the LOAN request result corresponding to each element in the weighted array LOAN _ WEIGHT _ a is a LOAN request failure result, the process of the LOAN request method according to the embodiment of the present application may be ended.

In some embodiments, after sending the loan request message to the ith candidate funder interface, if the result of successful loan request is obtained, the counting value A is used_k_F_iAdding 1 to L; if the result of the loan request failure is obtained, the counting value A is added_k_F_iL minus 1, and element A_k_F_iL is deleted from LOAN _ ARRAY.

On the basis of the data request method provided by the foregoing embodiment, the embodiment of the present application further provides a data request apparatus; fig. 4 is a schematic diagram of an alternative structure of a data request apparatus according to an embodiment of the present application, and as shown in fig. 4, the data request apparatus 400 may include:

the system comprises a transceiver module 401, a queue and a processing module, wherein the transceiver module is used for receiving a loan request message sent by an asset side interface and caching the loan request message into the queue;

an obtaining module 402, configured to obtain first data and second data, where the first data represents the number of times that the historical loan requests of the self-property side interface to multiple candidate fund side interfaces are successful, and the second data represents the number of times that the historical loan requests of the self-property side interface to the multiple candidate fund side interfaces are failed;

a processing module 403, configured to determine, according to the first data and the second data, a target fund party interface in the multiple candidate fund party interfaces for receiving the loan request message;

the transceiver module 401 is further configured to read loan request messages from the queue in turn through preset threads, and after any one of the threads reads a loan request message from the queue, route the loan request message to the target fund party interface, and receive a loan request result returned by the target fund party interface.

In some embodiments of the present application, the processing module 403 is configured to determine, according to the first data and the second data, a target fund party interface in the multiple candidate fund party interfaces for receiving the loan request message, where the determining includes:

In some embodiments of the present application, the processing module 403 is configured to determine a routing weight coefficient between the self-asset side interface and each candidate fund side interface according to the first data and the second data, and includes:

wherein, w_iRepresenting a routing weight coefficient, A _ F, between the self-asset side interface and the ith candidate funder side interface_iThe _Srepresents the number of times that the self-property side interface obtains the successful result of the loan request from the ith candidate fund side interface, and the ALL _ S represents the total number of times that the self-property side interface obtains the successful result of the loan request from each candidate fund side interface; a _ F_iF represents the number of times of obtaining the loan request failure result from the ith candidate fund side interface by the self-property side interface, and ALL F represents the loan request failure obtained from each candidate fund side interface by the self-property side interfaceThe total number of times of failure; and i takes 1 to n, wherein n represents the number of candidate fund side interfaces of the candidate fund side interfaces.

the processing module 403 is further configured to determine A _ F_iS minus A _ F_iF is obtained, and a first difference value A _ F corresponding to the ith candidate fund side interface_i(ii) a At A _ F_i>0, and A _ F_i*w_iAnd under the condition that D is greater than or equal to D, determining that the ith candidate fund side interface meets a first preset condition, wherein D represents a first preset value.

In some embodiments of the application, the processing module 403 is further configured to reselect one candidate fund interface from the unselected candidate fund interfaces of the first set as the target fund interface if the result of the loan request is a result of a failure of the loan request.

In some embodiments of the present application, the processing module 403 is configured to determine, according to the first data and the second data, a target fund party interface in the multiple candidate fund party interfaces for receiving the loan request message, and further includes:

determining the target funder interface in the second set.

In some embodiments of the present application, the processing module 403, configured to determine the target funder interface in the second set, includes:

In some embodiments of the present application, the processing module 403, configured to determine the target funder interface in the third set, includes:

the processing module 403 is further configured to:

In some embodiments of the present application, the processing module 403, configured to determine the target funder interface in the fourth set, includes:

In some embodiments of the present application, the processing module 403 is configured to select a candidate funder interface as the target funder interface according to the sorting result, where the selecting includes:

In some embodiments of the present application, the processing module 403 is configured to determine the target funder interface in the third set, and further includes:

randomly picking the target funder interface from the fifth set.

In some embodiments of the present application, the processing module 403 is further configured to:

In some embodiments of the present application, the transceiver module 401 is further configured to map, after receiving the loan request message from the self-property side interface, the loan request message into a core routing table according to a predetermined field mapping table;

the transceiver module 401 is configured to route the loan request message to the target fund party interface, and includes: and routing the loan request message to the target fund party interface according to the content in the core routing table.

In practical applications, the transceiver module 401, the obtaining module 402, and the processing module 403 may be implemented by a processor, and the processor may be at least one of an ASIC, a DSP, a DSPD, a PLD, an FPGA, a CPU, a controller, a microcontroller, and a microprocessor. It is understood that the electronic device implementing the above-described processor function may be other electronic devices, and the embodiments of the present application are not limited thereto.

It should be noted that the above description of the embodiment of the apparatus, similar to the above description of the embodiment of the method, has similar beneficial effects as the embodiment of the method. For technical details not disclosed in the embodiments of the apparatus of the present application, reference is made to the description of the embodiments of the method of the present application for understanding.

It should be noted that, in the embodiment of the present application, if the data request method is implemented in the form of a software functional module and sold or used as a standalone product, the data request method may also be stored in a computer readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present application may be essentially implemented or portions thereof contributing to the prior art may be embodied in the form of a software product stored in a storage medium, and including several instructions for causing a computer device (which may be a terminal, a server, etc.) to execute all or part of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read Only Memory (ROM), a magnetic disk, or an optical disk. Thus, embodiments of the present application are not limited to any specific combination of hardware and software.

Correspondingly, an embodiment of the present application further provides a computer program product, where the computer program product includes computer-executable instructions, and the computer-executable instructions are used to implement any one of the data request methods provided in the embodiments of the present application.

Accordingly, an embodiment of the present application further provides a computer storage medium, where computer-executable instructions are stored on the computer storage medium, and the computer-executable instructions are used to implement any one of the data request methods provided in the foregoing embodiments.

An embodiment of the present application further provides an electronic device, fig. 5 is an optional schematic structural diagram of the electronic device provided in the embodiment of the present application, and as shown in fig. 5, the electronic device 500 includes:

a memory 501 for storing executable instructions;

the processor 502 is configured to implement any one of the above data request methods when executing the executable instructions stored in the memory 501.

The processor 502 may be at least one of ASIC, DSP, DSPD, PLD, FPGA, CPU, controller, microcontroller, and microprocessor.

The computer-readable storage medium/Memory may be a Read Only Memory (ROM), a Programmable Read Only Memory (PROM), an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a magnetic Random Access Memory (FRAM), a Flash Memory (Flash Memory), a magnetic surface Memory, an optical Disc, or a Compact Disc Read-Only Memory (CD-ROM), and the like; but may also be various terminals such as mobile phones, computers, tablet devices, personal digital assistants, etc., that include one or any combination of the above-mentioned memories.

Embodiments of the present application further provide a loan platform, where the loan platform includes any one of the above data requesting devices or any one of the above electronic devices.

Here, it should be noted that: the above description of the storage medium and device embodiments is similar to the description of the method embodiments above, with similar advantageous effects as the method embodiments. For technical details not disclosed in the embodiments of the storage medium and apparatus of the present application, reference is made to the description of the embodiments of the method of the present application for understanding.

It should be appreciated that reference throughout this specification to "some embodiments" means that a particular feature, structure, or characteristic described in connection with the embodiments is included in at least one embodiment of the present application. Thus, the appearances of the phrase "in some embodiments" appearing in various places throughout the specification are not necessarily all referring to the same embodiments. Furthermore, the particular features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. It should be understood that, in the various embodiments of the present application, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application. The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The above-described device embodiments are merely illustrative, for example, the division of the unit is only a logical functional division, and there may be other division ways in actual implementation, such as: multiple units or components may be combined, or may be integrated into another system, or some features may be omitted, or not implemented. In addition, the coupling, direct coupling or communication connection between the components shown or discussed may be through some interfaces, and the indirect coupling or communication connection between the devices or units may be electrical, mechanical or other forms.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units; can be located in one place or distributed on a plurality of network units; some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiments of the present application.

In addition, all functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may be separately regarded as one unit, or two or more units may be 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 unit.

Alternatively, the integrated units described above in the present application may be stored in a computer-readable storage medium if they are implemented in the form of software functional modules and sold or used as independent products. Based on such understanding, the technical solutions of the embodiments of the present application may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing an automatic test line of a device to perform all or part of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a removable storage device, a ROM, a magnetic or optical disk, or other various media that can store program code.

The methods disclosed in the several method embodiments provided in the present application may be combined arbitrarily without conflict to obtain new method embodiments.

The features disclosed in the several method or apparatus embodiments provided in the present application may be combined arbitrarily, without conflict, to arrive at new method embodiments or apparatus embodiments.

The above description is only for the embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims

1. A method of data request, the method comprising:

2. The loan request method of claim 1, wherein said determining, based on the first data and the second data, a target one of the plurality of candidate funder interfaces for receiving the loan request message comprises:

3. A loan request method according to claim 2, wherein said determining a routing weight coefficient between said self-funding party interface and said each candidate funding party interface based on said first data and said second data comprises:

4. A loan request method according to claim 3, characterized in that the first set represents a set of candidate funder interfaces satisfying a first preset condition;

the method further comprises the following steps: determining A _ F_iS minus A _ F_iF is obtained, and a first difference value A _ F corresponding to the ith candidate fund side interface_i；

At A _ F_i>0, and A _ F_i*w_iAnd under the condition that D is greater than or equal to D, determining that the ith candidate fund side interface meets a first preset condition, wherein D represents a first preset value.

5. The loan request method according to claim 4, further comprising: and under the condition that the loan request result is a loan request failure result, reselecting one candidate fund party interface from the unselected candidate fund party interfaces in the first set as the target fund party interface.

6. The loan request method of claim 5, wherein the determining, based on the first data and the second data, a target one of the plurality of candidate funder interfaces for receiving the loan request message further comprises:

determining the target funder interface in the second set.

7. A loan request method according to claim 6, wherein said determining the target funder interface in the second set comprises:

the method further comprises the following steps:

8. A loan request method according to claim 7, wherein said determining the target funder interface in the third set comprises:

the method further comprises the following steps:

9. A loan request method according to claim 8, wherein said determining the target funder interface in the fourth set comprises:

10. The loan request method of claim 9, wherein said selecting a candidate funder interface as the target funder interface according to the ranking result comprises:

11. A loan request method according to claim 10, wherein said determining the target funder interface in the third set further comprises:

randomly picking the target funder interface from the fifth set.

12. A loan request method according to any of claims 1 to 11, characterized in that the method further comprises:

13. A loan request method according to any of claims 1 to 11, characterized in that the method further comprises: after any one of the threads reads data from the queue, deleting the read data from the queue; and closing the corresponding thread when any one thread fails to read the data from the queue.

14. A loan request method according to any of claims 1 to 11, characterized in that the method further comprises:

15. A data requesting device, the device comprising:

the system comprises a receiving and sending module, a processing module and a sending and receiving module, wherein the receiving and sending module is used for receiving a loan request message sent by an asset side interface and caching the loan request message into a queue;

16. An electronic device, characterized in that the electronic device comprises:

a memory for storing executable instructions;

a processor for implementing the data request method of any one of claims 1 to 14 when executing executable instructions stored in the memory.

17. A loan platform comprising the data request device of claim 15 or the electronic device of claim 16.

18. A computer-readable storage medium having stored thereon executable instructions for, when executed by a processor, implementing the data request method of any one of claims 1 to 14.