CN112381632A - Method and computer equipment for configuring charging rule based on business factor - Google Patents
Method and computer equipment for configuring charging rule based on business factor Download PDFInfo
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- CN112381632A CN112381632A CN202011174653.3A CN202011174653A CN112381632A CN 112381632 A CN112381632 A CN 112381632A CN 202011174653 A CN202011174653 A CN 202011174653A CN 112381632 A CN112381632 A CN 112381632A
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- 238000000034 method Methods 0.000 title claims abstract description 26
- 230000014509 gene expression Effects 0.000 claims abstract description 18
- 238000012423 maintenance Methods 0.000 claims description 10
- 238000004590 computer program Methods 0.000 claims description 6
- 238000010200 validation analysis Methods 0.000 claims description 3
- 238000012545 processing Methods 0.000 abstract description 12
- 238000005516 engineering process Methods 0.000 abstract description 3
- 238000004364 calculation method Methods 0.000 description 16
- 230000006872 improvement Effects 0.000 description 4
- 238000013075 data extraction Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
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- 238000013461 design Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
Abstract
The invention discloses a method for configuring charging rules based on service factors, which comprises the following steps: (1) setting a plurality of different types of service factors and information contents of each service factor; (2) setting different charging rule information, wherein the charging rule information comprises a rule expression, and the rule expression is associated with different service factors in the step (1); (3) and (3) extracting the service factor information related to the charging rule information set in the step (1) according to the charging rule information set in the step (2) to calculate the cost. A computer device is also disclosed. The invention maintains the complex and changeable service charging elements in a unified way through the setting of the service factors, thereby improving the flexibility and the universality of the service system cost processing and reducing the complexity of the system technology realization; and by setting the charging rule, the expansibility and the universality of the system are improved, the complex and changeable cost processing support capacity is finally improved, the method is simple and universal, and the use experience of customers is greatly improved.
Description
Technical Field
The present invention relates to the field of data processing, and in particular, to a method and computer device for configuring charging rules based on service factors.
Background
The financial service has business scene requirements of various cost processing, and cost business elements, cost calculation rules, applicable client bodies and the like of different business scenes are different, such as: the loan default fund is collected, and the default fund can be calculated according to the residual principal and default proportion, namely: default gold remaining should also be default ratio%; the collection of loan interest fee, according to loan principal, the interest rate of borrowing, can calculate loan interest fee, promptly: loan interest is the principal interest rate of borrowing.
Aiming at different charging requirements of different service scenes, in order to better provide differentiated financial services for clients, higher requirements are provided for the universality, flexibility, convenience and stability of the charge service element setting and the charge calculation formula. The existing different business cost calculation methods cannot meet the requirements of customers.
Based on the prior art, the invention creates a new method and computer equipment for configuring charging rules based on business factors, so as to solve the problem that the setting of cost business elements and calculation rules is not flexible and convenient in the prior art, and meet the requirements of universality, flexibility, convenience and stability of cost calculation of different business scenes, thereby greatly improving the experience of customers.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a method for configuring charging rules based on service factors, which meets the requirements of universality, flexibility, convenience and stability of charge calculation of different service scenes, and greatly improves the experience of customers, thereby overcoming the problem that the existing charge service factors and calculation rules are not flexible and convenient to set.
In order to solve the above technical problem, the present invention provides a method for configuring charging rules based on service factors, which comprises the following steps:
(1) setting a plurality of different types of service factors and information contents of each service factor;
(2) setting different charging rule information, wherein the charging rule information comprises a rule expression, and the rule expression is associated with different service factors in the step (1);
(3) and (3) extracting the service factor information related to the charging rule information set in the step (1) according to the charging rule information set in the step (2) to calculate the cost.
In a further improvement, the service factor information content in the step (1) includes: factor name, factor type, factor data type, field length, field description, table corresponding to factor value, and field corresponding to factor value.
Further improvement, the step (1) further comprises maintenance steps of adding, modifying and deleting the service factor information content.
In a further improvement, the charging rule information in step (2) further includes: rule number, rule description, rule classification, rule expression description, validation time, invalidation time and rule state.
Further improvement, the step (2) further comprises a maintenance step of adding, modifying and deleting the charging rule information.
The invention also provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the computer program.
After adopting such design, the invention has at least the following advantages:
the method for configuring the charging rule based on the service factor sets the service factors related to the charging rule in the service system, sets the service factors, and uniformly maintains the complicated and changeable service charging factors for use in subsequent charging rule setting and charge calculation, thereby improving the flexibility and universality of the service system charge processing and reducing the complexity of the system technology implementation.
And by setting the charging rule, the service charging factor and the charging operation processing are described by some common operators and expressions which are easy to identify, so that the expansibility and the universality of the system are improved.
The invention also improves the capability of the system for processing and supporting complicated and variable expenses by the configuration processing of the service factors and the charging rules, has simple and universal technical realization, helps the bank to improve the service innovation capability and improves the use experience of customers.
Drawings
The foregoing is only an overview of the technical solutions of the present invention, and in order to make the technical solutions of the present invention more clearly understood, the present invention is further described in detail below with reference to the accompanying drawings and the detailed description.
Fig. 1 is a flow chart illustrating a method for configuring charging rules based on service factors according to the present invention.
Detailed Description
The method for configuring the charging rule based on the service factor adopts a simple and efficient technical method according to the service processing requirements of the financial system, meets the requirements of the service system on the flexibility of cost processing, meets the requirements of various service scenes, improves the flexibility of cost processing of the service system, reduces the complexity of realizing the system technology, and improves the experience of customers. Specific examples thereof are as follows.
Referring to fig. 1, the method for configuring charging rules based on service factors in this embodiment includes:
step S110: service factor setting
The service factor setting comprises the following steps: factor name, factor type, factor data type, field length, field description, table corresponding to factor value, and field corresponding to factor value.
The service factor setting also includes service factor maintenance, such as maintenance steps of adding, modifying and deleting service factor information content, and steps of identifying, analyzing, extracting and maintaining service factors related to charging rules, such as: and after determining the business factors related to the charging rules, the loan principal factor, the default rate factor and the like, completing the maintenance processing of the business factor information through the maintenance setting of the universal business factors.
Step S120: charging rule set-up
The charging rule setting comprises the setting and maintenance of charging rule expressions, namely, service factors for determining charging amount are related through expressions (addition, subtraction, multiplication, division and the like), and the charging rules are determined through the expressions for use in charge calculation.
The charging rule information further includes: rule number, rule description, rule classification, rule expression description, validation time, expiration time, and rule state.
Similarly, the step also includes maintenance steps of adding, modifying and deleting the charging rule information. Such as: the charging rule of the loan default fund is set, and the expression which can be set by the system is as follows: the loan remainder should also be in principal the loan default percentage%.
Step S130: business factor data extraction
The business factor data extraction comprises the following steps: the service factor information is obtained through the setting information of the service factor, such as: and then extracting the service factor value of the associated charging rule according to the service information provided by the service system for subsequent charge calculation. For example, by extracting the service information of the loan service system, the loan balance required for calculating the loan default fee is acquired by paying the principal such as 100000 yuan and 1% of the loan default rate.
Step S140: cost calculation
The cost calculation comprises the following steps: and calculating the charge amount, namely calculating the charge amount according to the factor value and the charging rule expression determined in the preorder flow and calculating the expression. As with the expression: the loan default fee is the rate of loan default that the loan residue should be returned, and the system calculates the default fee to be collected as: 100000 x 1% ═ 1000 yuan.
The method for configuring the charging rule based on the service factor selects the charging rule expression according to the charge calculation requirement through the service factor setting and the charging rule setting, extracts the corresponding service factor data, achieves the purpose of quickly calculating the charge, reduces the complexity of the conventional charge calculation system, improves the universality, flexibility, convenience and stability of the conventional charge calculation system, and greatly improves the use experience of a client.
When the method for configuring the charging rule based on the service factor runs through computer equipment, the computer equipment comprises: a processor (CPU) and a memory connected thereto via a bus. The processor (CPU) may perform various appropriate actions and processes according to the above-described computer program for a business factor based configuration charging rule method stored in a Read Only Memory (ROM) or the above-described computer program for a business factor based configuration charging rule method loaded into a Random Access Memory (RAM) to implement rapid, flexible, and general calculation of different charges that can be achieved by the above-described method.
Of course, the memory also stores various programs and data necessary for the operation of the system. The computer device also includes various other components necessary for the operation of the computer.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the present invention in any way, and it will be apparent to those skilled in the art that the above description of the present invention can be applied to various modifications, equivalent variations or modifications without departing from the spirit and scope of the present invention.
Claims (6)
1. A method for configuring charging rules based on service factors is characterized by comprising the following steps:
(1) setting a plurality of different types of service factors and information contents of each service factor;
(2) setting different charging rule information, wherein the charging rule information comprises a rule expression, and the rule expression is associated with different service factors in the step (1);
(3) and (3) extracting the service factor information related to the charging rule information set in the step (1) according to the charging rule information set in the step (2) to calculate the cost.
2. The method for configuring charging rules based on service factors as claimed in claim 1, wherein the service factor information content in step (1) comprises: factor name, factor type, factor data type, field length, field description, table corresponding to factor value, and field corresponding to factor value.
3. The method for configuring charging rules based on service factors as claimed in claim 2, wherein the step (1) further comprises the maintenance steps of adding, modifying and deleting service factor information contents.
4. The method for configuring charging rules based on service factors as claimed in claim 1, wherein the charging rule information in step (2) further comprises: rule number, rule description, rule classification, rule expression description, validation time, invalidation time and rule state.
5. The method for configuring charging rules based on service factors as claimed in claim 4, wherein the step (2) further includes a maintenance step of adding, modifying and deleting charging rule information.
6. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method according to any of claims 1 to 5 when executing the computer program.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011174653.3A CN112381632A (en) | 2020-10-28 | 2020-10-28 | Method and computer equipment for configuring charging rule based on business factor |
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| CN202011174653.3A CN112381632A (en) | 2020-10-28 | 2020-10-28 | Method and computer equipment for configuring charging rule based on business factor |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1674519A (en) * | 2004-03-24 | 2005-09-28 | 华为技术有限公司 | Method for realizing communication business payment metering |
| CN1790996A (en) * | 2004-12-14 | 2006-06-21 | 卓望数码技术（深圳）有限公司 | General charging method and method for realizing general charging model |
| CN109409862A (en) * | 2018-10-19 | 2019-03-01 | 中国建设银行股份有限公司 | Period service charging method, system, device and storage medium |
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2020
- 2020-10-28 CN CN202011174653.3A patent/CN112381632A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1674519A (en) * | 2004-03-24 | 2005-09-28 | 华为技术有限公司 | Method for realizing communication business payment metering |
| CN1790996A (en) * | 2004-12-14 | 2006-06-21 | 卓望数码技术（深圳）有限公司 | General charging method and method for realizing general charging model |
| CN109409862A (en) * | 2018-10-19 | 2019-03-01 | 中国建设银行股份有限公司 | Period service charging method, system, device and storage medium |
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Application publication date: 20210219 |