CN112598470A - Service data processing method, device and storage medium - Google Patents
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Abstract
The method comprises the steps of obtaining bidding information of n service party terminals through electronic equipment, wherein the bidding information is used for representing services and pricing provided by the service party terminals to users, determining a target service party terminal matched with a service request based on the bidding information of the n service party terminals, and then sending an authorization instruction to the target service party terminal, wherein the authorization instruction is used for indicating the target service party terminal to carry out service authorization on the users, providing service services for the users through the target service party terminal matched with the service request, meeting the requirements of the users, and matching the capability of a service provider and the risk control requirements according to the bidding information provided by the user request.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a method, a device, and a storage medium for processing service data.
Background
At present, a matching platform is often used to provide services that can be provided by a service provider to a service demander, and in the matching process, a request of the service demander that meets the rules is often distributed to the service provider according to static rules, so that the service provider provides the service requested by the service demander.
However, the matching of the matching platform to the service request of the service provider and the service provided by the service provider in the prior art is not accurate enough.
Disclosure of Invention
The application provides a method, equipment and storage medium for processing business data, which can match corresponding business services according to different business requests of users.
In a first aspect, an embodiment of the present application provides a method for processing service data, which is applied to an electronic device, and includes:
responding to a service request sent by a user, acquiring bidding information of n service party terminals, wherein n is more than or equal to 1, and the bidding information is used for representing services provided by the service party terminals to the user and pricing;
determining a target service party terminal matched with the service request based on the bidding information of the n service party terminals;
and sending an authorization instruction to the target service party terminal, wherein the authorization instruction is used for indicating the target service party terminal to carry out service authorization on the user.
In a second aspect, an embodiment of the present application provides a method for processing service data, which is applied to a service party terminal, and includes:
receiving a bidding request sent by the electronic equipment, wherein the bidding request is generated based on a service request of a user;
performing risk assessment on the service request based on the bidding request;
obtaining bidding information based on the result of the risk assessment, wherein the bidding information is used for representing the service and pricing provided for the user;
sending the bid information to the electronic device.
In a third aspect, an embodiment of the present application provides an electronic device, including:
the device comprises an acquisition unit, a price setting unit and a price setting unit, wherein the acquisition unit is used for responding to a service request sent by a user and acquiring the price bidding information of n service party terminals, n is more than or equal to 1, and the price bidding information is used for representing the service provided by the service party terminals to the user and pricing;
the processing unit is used for determining a target service party terminal matched with the service request based on the bidding information of the n service party terminals;
and the sending unit is used for sending an authorization instruction to the target service party terminal, wherein the authorization instruction is used for indicating the target service party terminal to carry out service authorization on the user.
In a fourth aspect, an embodiment of the present application provides a terminal device, including:
the receiving unit is used for receiving a bidding request sent by the electronic equipment, wherein the bidding request is generated based on a service request of a user;
the processing unit is used for carrying out risk evaluation on the service request based on the bidding request;
the processing unit is further used for obtaining bidding information based on the risk assessment result, and the bidding information is used for representing the service and pricing provided for the user;
and the sending unit is used for sending the bidding information to the electronic equipment.
In a fifth aspect, an embodiment of the present application provides an electronic device, including: a memory and a processor;
the memory stores computer-executable instructions;
the processor executes the computer-executable instructions stored by the memory, causing the processor to perform the method of the first aspect or embodiments thereof.
In a sixth aspect, an embodiment of the present application provides a terminal device, including: a memory and a processor;
the memory stores computer-executable instructions;
the processor executes the computer-executable instructions stored by the memory, causing the processor to perform the method of the second aspect or embodiments thereof.
In a seventh aspect, an embodiment of the present application provides a storage medium, including: a readable storage medium and a computer program for implementing the method of the first aspect, the second aspect or implementations thereof.
According to the method and the device, the bidding information which is most matched with the service request of the user is determined from the bidding information provided by the n service party terminals, the service party terminal corresponding to the bidding information is the target service party terminal which is most matched with the service request, the service requested by the user is provided for the user through the target service party terminal, the requirement of the user can be met to the greatest extent, and the service party terminal meets the capability and risk control requirement of a service provider according to the bidding information provided by the user request.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to these drawings without inventive exercise.
Fig. 1 is a schematic diagram illustrating a result of a service data processing system 100 according to an embodiment of the present application;
fig. 2 is a schematic block diagram of an electronic device 200 according to an embodiment of the present disclosure;
fig. 3 is a flowchart illustrating a method 300 for processing service data according to an embodiment of the present application;
fig. 4 is a flowchart illustrating a method 400 for processing service data according to an embodiment of the present application;
fig. 5 is an interaction flow diagram of a service data processing method 500 according to an embodiment of the present application;
fig. 6 is a flowchart illustrating a method 600 for processing service data according to an embodiment of the present application;
fig. 7 is a flowchart illustrating a method 700 for processing service data according to an embodiment of the present application;
fig. 8 is a schematic structural diagram of an electronic device 800 according to an embodiment of the present disclosure;
fig. 9 is a schematic structural diagram of a terminal device 900 according to an embodiment of the present application;
fig. 10 is a schematic hardware structure diagram of an electronic device 1000 according to an embodiment of the present application;
fig. 11 is a schematic hardware structure diagram of a terminal device 1100 according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
At present, a matching platform is often used to match a service of a service provider with a service request of a service demander, so that the service demander can receive a service provided by a corresponding service provider. As an example, in the field of credit loan, a service demander is a user who needs to apply for credit loan, a service provider is an organization capable of providing a credit loan service for the user, and a matching platform sends a received service request of the user to the service provider in a random distribution manner, a directional distribution manner or a static rule filtering distribution manner, so that the service provider can provide the requested service for the user, for example, provide a loan service and the like.
The random distribution is that the matching platform randomly distributes the service requests of the users to asset parties; directional distribution, namely distributing the service request of the user to a fixed service provider corresponding to the user for the matching platform; and filtering and distributing the static rules, configuring the static rules for the matching platform according to the requirements of the service provider, and distributing the service requests meeting the static rules of the service provider to the service provider.
In the above distribution manner, the corresponding service request cannot be distributed according to the service capability and the risk that can be borne by each service provider, and also the provided service cannot be accurately matched with the requirements of the user according to the characteristics of the user, especially in the field of credit loan, because the service request of the user cannot be accurately matched with the service provided by the service provider, a large asset risk is brought to the service provider and the user, and the receiving rate of the service provider and the waiting time of the user cannot be guaranteed.
In view of the above problems, embodiments of the present application provide a method for processing service data, which can select a service provider that can be matched with a service request of a user based on bidding information provided by at least one service provider, so as to implement matching of the corresponding service provider with respect to the service request of the user, so as to accurately provide a service required by the user; in some embodiments, it is further required to determine at least one service provider providing bidding information in combination with service preferences of the service providers, i.e. static rules, so as to further improve the accuracy of matching.
Fig. 1 is a schematic diagram illustrating a result of a service data processing system 100 according to an embodiment of the present application. As shown in fig. 1, a system 100 for processing service data includes: user terminal 110, electronic device 120, service side terminals 131, 132.
The user terminal 110 is connected to the electronic device 120 by wire or wireless, and the service terminals 131 and 132 are connected to the electronic device 120 by wire or wireless, respectively.
The electronic device 120 may generally be a server, and in some embodiments may also be a terminal device, such as a computer or the like. Illustratively, the electronic device 120 is installed with the above-mentioned matching platform, or a software platform having similar functions to the matching platform, and can perform matching of the service request of the user with the service provided by the service provider.
It should be understood that the user terminal 110 is a terminal device, which is logged with an account of a user (i.e., a business demander), and may be, for example, a mobile phone, a computer, a tablet, a notebook, or a wearable smart device. The number of the user terminals 110 may be one or more, for example, when the number of the user terminals is multiple, the electronic device 120 may perform parallel service data processing on the service request sent by each user terminal 110.
The service terminals 131 and 132 are terminal devices logged with respective service provider accounts, and generally, the terminal devices may be computers, and in some embodiments, the service terminals 131 or 132 may also be servers. The embodiment of the application does not limit the number of the service side terminals.
Fig. 2 is a schematic structural diagram of an electronic device 200 according to an embodiment of the present disclosure. As shown in fig. 2, a matching platform 210 is deployed in the electronic device 200, and the matching platform 210 includes at least a matching engine 212 and, in some embodiments, a static rule module 211.
Illustratively, the matching platform 210 receives an Application sent by a user to the electronic device 200 in a manner of an Application (APP) or an applet (an Application that can be used without downloading or installing) deployed in a user terminal, so as to apply for accessing the matching platform 210 of the electronic device 200, or the user may be a third-party distribution platform, which sends an Application to the electronic device 200 through the user terminal, applies for accessing the matching platform 210 of the electronic device 200 in a traffic manner, and the matching platform 210 and the third-party distribution platform agree on an interactive manner, an encryption/decryption manner, and the like, and allow the third-party distribution platform to access after configuration is completed.
When the user needs to quit the connection with the matching platform, the user sends a quit application to the matching platform 210 of the electronic device 200 through the user terminal, the matching platform logs out the corresponding configuration of the user according to the quit application, closes the corresponding access right, and prompts the user to quit successfully through a return request.
Any business side terminal can perform information interaction after being connected with the electronic device 200. For example, the service provider sends an access application to the matching platform 210 of the electronic device 200 through the service party terminal, after the application passes, the matching platform 210 allocates a corresponding access address, a dedicated line, a traffic encryption and decryption key, and the like to the service party terminal, and after the allocation element of the service party terminal is acquired, the service party terminal is accessed to the matching platform 210 of the electronic device 200, so that the service party terminal can participate in bidding of the matching platform; for another example, the service side terminal sends a logout application to the matching platform 210 of the electronic device 200, the matching platform logs out the configuration corresponding to the service provider, and the service provider is prompted to log out successfully when the logging out is completed.
After a user and a service provider are both connected with the matching platform 210 in the electronic device 200, the matching platform 210 receives a service request sent by the user through an APP, an applet, and the like, sends a bid request to at least one service party terminal through the matching engine 212, receives bid information sent by each service party terminal, determines, through the matching engine 212, bid information that is most matched with the service request of the user or the service party terminal from the at least one bid information, and matches the service party terminal to provide a service corresponding to the most matched bid information to the user.
In some embodiments, the matching platform 210 receives a service request sent by a user through an APP, an applet, or the like, determines, through the static rule module 211 based on the service request of the user or a user tag of the user, at least one service party terminal that is likely to provide a service requested by the service request, sends a bid request to the at least one service party terminal, receives bid information sent by each service party terminal, determines, through the matching engine 212, bid information that is the best match with the service request of the user or the service party terminal from the at least one bid information, and matches the service party terminal to provide the service corresponding to the best match bid information to the user.
The present application is illustrated below by means of several examples.
Fig. 3 is a flowchart illustrating a method 300 for processing service data according to an embodiment of the present application.
In order to implement matching between a service provided by a service provider and a service request of a service demander, an implementation scheme as shown in fig. 3 is provided in the embodiment of the present application, and the specific steps are as follows:
s301: and responding to a service request sent by a user, and acquiring bidding information of n service party terminals.
Wherein n is greater than or equal to 1.
In this step, in order to satisfy the service request of the user, the electronic device needs to obtain bidding information of at least one service party terminal, where each bidding information is a service and pricing provided by the corresponding service party terminal to the user.
Taking credit loan as an example, a user needs to apply for loan, and after receiving a service request sent by the user for applying for loan, the electronic device obtains respective bidding information from at least one service party terminal, where each bidding information includes services provided by the corresponding service party terminal for the user, such as total loan amount and/or payment fraction, and pricing provided for the service, such as interest rate.
S302: and determining a target service party terminal matched with the service request based on the bidding information of the n service party terminals.
For example, the electronic device may determine a matching degree with the service request according to the bid information of each service party terminal, for example, if the number of repayment options required for the service request is 12 and the annual interest rate is less than 15%, then perform a matching degree calculation based on the number of repayment options and the annual interest rate included in the bid information to obtain the bid information with the highest matching degree, in other words, determine the bid information capable of satisfying the service request or determine the corresponding service party terminal closest to the bid information of the service request as the target service party terminal.
For example, the electronic device may send the bidding information of the terminals in the n service parties to the user terminal for display, so that the user may view and select one of the terminals as the target service party terminal through the user terminal.
For example, the electronic device may screen out some of the service party terminals according to the bid information of each service party terminal, send the bid information corresponding to the screened service party terminals to the user terminal for display, and enable the user to view and select one of the service party terminals as a target service party terminal through the user terminal.
Alternatively, each service terminal may transmit one or more bid information.
S303: and sending an authorization instruction to the target service party terminal.
After the target service side terminal is determined, the service side terminal providing the service to the user is determined, in other words, the service request of the user is distributed to the target service side terminal.
In this step, the electronic device sends an authorization instruction to the target service party terminal, where the authorization instruction is used to instruct the target service party terminal to perform service authorization on the user.
Further, the target service party terminal needs to authorize the service to the user, taking credit loan as an example, after receiving the authorization instruction sent by the electronic device, the target service party terminal authorizes the loan service to be provided to the user, or grants the user a credit for the service request.
In the embodiment of the application, the bidding information which is most matched with the service request of the user is determined from the bidding information provided by the n service party terminals, the service party terminal corresponding to the bidding information is a target service party terminal which is most matched with the service request, the service requested by the user is provided for the user through the target service party terminal, the requirement of the user can be best met, and the service party terminal meets the capability of a service provider and the risk control requirement according to the bidding information provided by the user request.
Fig. 4 is a flowchart illustrating a method 400 for processing service data according to an embodiment of the present application.
In order to obtain the bidding information matched with the service request of the user and the target service party terminal corresponding to the matched bidding information. The embodiment of the present application provides a possible implementation manner as shown in fig. 3 for how to determine a target service party terminal matched with a service request based on the bidding information of n service party terminals:
s401: and ordering the bidding information of the n service party terminals based on a preset rule to obtain m service party terminals, wherein m is more than or equal to 1 and m is less than or equal to n.
Illustratively, each bidding information is sorted according to the response time of the bidding information, that is, according to the receiving time of the electronic device receiving the bidding information of each service party terminal or according to the sending time of the service party terminal sending the bidding information, for example, the bidding information may be sorted sequentially or reversely according to the time sequence, then m corresponding service party terminals may be obtained according to a plurality of bidding information received first or sent first, and when the bidding information corresponds to the service party terminal one to one, m bidding information received first or sent first may be obtained, and then m service party terminals corresponding to the bidding information may be obtained. In this embodiment, the service side terminal with a fast response is preferably considered, so that efficient loan service is provided subsequently, and the waiting time of the user is reduced.
Illustratively, the ranking is performed according to the matching degree between the user tag of the user and each bidding information, and m corresponding business party terminals are obtained according to the multiple bidding information with the highest matching degree, so that the service provided by the business provider is more matched with the user.
Optionally, the user tag includes at least one of identity information, credit value, risk level, and business preference. Illustratively, the identity information includes at least one of a gender, age, occupation, income, or school calendar of the user; the credit value is a credit rating generated by the historical behavior of the user, such as a credit rating generated by the historical credit loan behavior of the user; the risk grade is a grade divided based on the risk that the user can bear; the service preference is a preset expectation of the user, for example, the number of repayment options is expected to be 12, and the interest rate is expected to be less than 10%.
For example, when a user sends a service request through a user terminal, the service request should carry a unique identifier of the user, such as a mobile phone number of the user, a generated user ID or an identification number, etc., the electronic device determines a user tag of the user based on the unique identifier of the user, for example, the identification information may be input by the user or acquired through an external data interface, and the credit value and the risk level may be determined by the electronic device based on user behavior or acquired through an external data interface.
For example, if the service preference of the user is that the number of desired payment options is 12, the desired interest rate is less than 10%, the bid information 1 is that the number of payment options is 12, the interest rate is 10%, the bid information 2 is that the number of payment options is 12, the interest rate is 12%, the bid information 3 is that the number of payment options is 12, and the interest rate is 15%, the matching degree is ranked from high to low as the bid information 1, the bid information 2, and the bid information 3.
Illustratively, the service preference and the bidding information of the user may further include more or fewer dimensions than those in the above examples, such as total loan amount, repayment mode (e.g., equal fund or equal information), and for the case that there are at least two dimensions, the matching degree between the service preference and the bidding information may be obtained by setting different weights for each dimension and performing a weighting operation.
Illustratively, ranking is performed according to a weighted operation result of each bidding information, the weighted operation result is obtained by performing weighted operation on at least two dimensions of receiving time or sending time of the bidding information and matching degree of the user tag and the bidding information, ranking is performed on the bidding information according to the numerical value of the weighted operation result, and m corresponding business side terminals are obtained according to a plurality of bidding information with the maximum numerical value of the weighted operation result. In this embodiment, comprehensive judgment is performed from two dimensions, namely, the matching degree of the bidding information and the user and the response time of the service party terminal to the request, so as to determine the service party terminal with better matching degree and response time, modify the weight according to different application scenarios, adjust the dimension of the determined service party terminal, and more flexibly control the service provided to the user.
S402: a target service party terminal is determined from the m service party terminals.
It should be understood that if m is 1, the service party terminal is the target service party terminal, and if m is greater than 1, a service party terminal needs to be determined therefrom as the target service party terminal to provide service for the user.
As an example, a target service terminal can be randomly determined from m service terminals, which has higher efficiency.
As another example, respective bid information of m service party terminals may be sent to the user terminal, the user selects one of the service party terminals through the user terminal, and the electronic device receives the selection operation of the user and then takes the service party terminal as a target service party terminal.
In the embodiment of the application, the bidding information of the n business party terminals is sequenced through the preset rule, the m business party terminals which are more matched with the business request of the user are screened out, and then a target business party terminal is determined to provide business service for the user, so that the more matched business service is provided for the user, the requirement of the user is met, and the user experience is improved.
On the basis of any of the above embodiments, in the process of determining the target service party terminal based on n service party terminals, the embodiments of the present application may perform screening for n service party terminals or for m service party terminals, and delete the service party terminals that do not meet the requirements.
Illustratively, based on the history data, it is determined whether a credit loss action exists in each of the n or m business side terminals, for example, whether a default occurs when the business service is provided to the business demander, for example, credit loan, whether a payment is not placed or enough money is not issued after the payment is committed, and further, the business side terminal with the credit loss action is deleted from the n or m business side terminals, that is, the business side terminal is not allowed to continue providing the business service for the user.
For example, it is determined whether response time of bid information of n service party terminals meets preset time, that is, the electronic device should obtain the bid information of the n service party terminals within the preset time, and if no bid information is returned by any service party terminal within the preset time, the service party terminal is not used as one of the n service party terminals. If the service side terminal returns a plurality of bidding information and there is bidding information meeting the preset time, the service side terminal is one of the n service side terminals, and the bidding information not meeting the preset time returned by the service side terminal is not taken as the bidding information corresponding to the service side in this embodiment. Alternatively, the preset time may be set to any time within 1 second to 10 minutes.
The embodiment of the application provides the following possible implementation ways for obtaining the bidding information of n service party terminals: sending bidding requests to p service party terminals, wherein p is more than or equal to n, and receiving bidding information sent by the n service party terminals. As an example, the n service party terminals all return bid information within a preset time; as another example, after acquiring the bid information returned by the n service terminals, the electronic device deletes the service terminal that has not returned the bid information within a preset time.
Fig. 5 is an interaction flow diagram of a service data processing method 500 according to an embodiment of the present application.
S501: the electronic device sends a bid request to p service party terminals.
Accordingly, each service terminal receives the bid request sent by the electronic device, and executes steps S502 to S504:
s502: and performing risk assessment on the service request based on the bidding request.
S503: based on the results of the risk assessment, bid information is derived.
The bidding information is used for representing the service provided to the user and pricing;
s504: sending the bid information to the electronic device.
Correspondingly, the electronic equipment receives bidding information sent by n service party terminals, and p is more than or equal to n.
S505: the electronic equipment determines a target service party terminal matched with the service request based on the bidding information of the n service party terminals.
S506: and the electronic equipment sends an authorization instruction to the target service party terminal.
The authorization instruction is used for indicating the target service party terminal to perform service authorization on the user.
Illustratively, the bid request is determined based on a user request, the bid request carries a user tag of the user or a service request of the user, and each service party terminal can perform risk assessment on the service request based on the user tag or the service request carried in the bid request.
For example, the service party terminal may perform comprehensive risk assessment on the service request of the user based on the credit value, the risk level, the identity information, the service preference, and the like of the user, generate bid information for the service request when a risk assessment result indicates that the service requested by the user can be provided to the user, and then send the bid information to the electronic device.
The specific implementation manner of step S505 and step S506 is similar to that in the above embodiment, and is not described here again.
Fig. 6 is a flowchart illustrating a method 600 for processing service data according to an embodiment of the present application.
On the basis of any of the above embodiments, in order to improve processing efficiency, the electronic device first identifies a user, and determines p service party terminals that are likely to provide a required service for the user based on a user tag that can embody user characteristics, where p is greater than or equal to n.
As shown in fig. 6, before the electronic device sends the bid request to p service terminals, the method further includes:
s601: a user tag of a user is obtained.
S602: based on the user tag and the service preferences of each service party terminal, p service party terminals are determined.
Illustratively, each service side terminal is preset with respective service preferences, also called static rules, for example, only receives service requests of users with gender as male and low risk level; and then matching according to the user label of each user and the service preference of each service party terminal, taking one or more service party terminals (the number is p, p is more than or equal to 1) matched with the user label as an object for acquiring bidding information, and sending bidding requests to the p service party terminals to request the p service party terminals to provide the bidding information.
Fig. 7 is a flowchart illustrating a method 700 for processing service data according to an embodiment of the present application.
On the basis of any of the above embodiments, fig. 7 provides a specific implementation manner by taking a credit loan service as an example.
As shown in fig. 7, a user sends a service request through a user terminal, and after receiving the service request, the electronic device generates a bid label based on a user label, where the user label illustratively includes the age, gender, region, risk level (e.g., risk factor), service preference, and the like of the user, and the service preference includes the number of desired payment options, interest rate, and the like set by the user.
Further, the electronic device filters the business party terminal according to the business request of the user based on a static rule preset by the business party terminal, obtains at least one business party terminal that is likely to provide the required business service for the user, and sends a bid request to the at least one business party terminal, it should be understood that the static rule is used for representing the business preference of the business provider (also referred to as an organization), for example, the static rule of the organization a is that the risk factor is less than 500, and the static rule of the organization B is that the region is beijing.
Further, after each service side terminal receives the bidding request, the bidding information of each service side terminal is generated according to the service request of the user, and the generated bidding information is respectively sent to the electronic device, for example, the bidding information of the organization a includes 5 ten thousand of total loan amount, 9 repayment option numbers and 14 interest rate, the bidding information of the organization B includes 3 ten thousand of total loan amount, 12 repayment option numbers and 13 interest rate, and the bidding information of the organization C includes 3 ten thousand of total loan amount, 12 repayment option numbers and 12 interest rate.
After receiving the bidding information sent by at least one service party terminal, the electronic device ranks the bidding information to obtain the bidding information which is most matched with the service request of the user, matches the service party terminal corresponding to the most matched bidding information with the user as a target service party terminal, and optionally sends a request result to the user terminal of the user, wherein the request result comprises the target service party terminal and/or the bidding information. For example, when the electronic device sorts the bid information, sorts the first, i.e., best matching, bid information for the institution C and sorts the second bid information for the institution B, the electronic device sends a request result including the bid information for the institution C and/or the institution C to the user terminal.
Fig. 8 is a schematic structural diagram of an electronic device 800 according to an embodiment of the present application, and as shown in fig. 8, the server 800 includes:
an obtaining unit 810, configured to obtain bid information of n service party terminals in response to a service request sent by a user, where n is greater than or equal to 1, and the bid information is used to represent a service and a pricing provided by the service party terminal to the user;
a processing unit 820, configured to determine a target service party terminal matched with the service request based on the bidding information of the n service party terminals;
a sending unit 830, configured to send an authorization instruction to the target service party terminal, where the authorization instruction is used to instruct the target service party terminal to perform service authorization on the user.
An electronic device 800 provided in this embodiment includes an obtaining unit 810, a processing unit 820, and a sending unit 830, where bid information that is most matched with a service request of a user is determined from bid information provided by n service party terminals, and a service party terminal corresponding to the bid information is a target service party terminal that is most matched with the service request, and provides a service requested by the user for the user through the target service party terminal, which can best meet the requirements of the user, and the service party terminal meets the capability and risk control requirements of a service provider according to the bid information provided by the user request.
In one possible design, the processing unit 820 is specifically configured to:
ordering the bidding information of the n service party terminals based on a preset rule to obtain m service party terminals with the top or the last ordering, wherein m is more than or equal to 1 and m is less than or equal to n;
a target service party terminal is determined from the m service party terminals.
Optionally, the preset rule includes:
sequencing according to the response time of each bidding message, wherein the response time is the time when the electronic equipment receives the bidding message or the time when the corresponding service party terminal sends the bidding message;
sorting according to the matching degree of the user label of the user and each bidding information; alternatively, the first and second electrodes may be,
and sequencing according to the weighted operation result of each bidding information, wherein the weighted operation result is an operation result obtained by weighted operation based on the receiving time or the sending time of the bidding information and the matching degree of the user label and the bidding information.
In one possible design, processing unit 820 is further configured to:
determining whether a service terminal with a message loss behavior exists in the m service side terminals based on the historical data;
and if the m service side terminals have the service side terminals with the message losing behavior, deleting the service side terminals with the message losing behavior.
In one possible design, the processing unit 820 is specifically configured to:
sending bidding information corresponding to each service party terminal in the m service party terminals to the user terminal;
and receiving a target service side terminal selected by the user through the user terminal.
In one possible design, the processing unit 820 is specifically configured to:
and acquiring bidding information of the n service party terminals within preset time.
In one possible design, the obtaining unit 810 is specifically configured to:
sending bidding requests to p service party terminals, wherein p is more than or equal to n;
and receiving bidding information sent by the n service party terminals.
In one possible design, the obtaining unit is further configured to: acquiring a user tag of a user;
the processing unit is further configured to: based on the user tag and the service preferences of each service party terminal, p service party terminals are determined.
Optionally, the user tag includes: at least one of identity information, credit value, risk level, business preference.
The server provided in this embodiment may be used to implement the method on the electronic device side in any of the above embodiments, and the implementation effect is similar to that of the method embodiment, and is not described herein again.
Fig. 9 is a schematic structural diagram of a terminal device 900 according to an embodiment of the present application, and as shown in fig. 9, the terminal device 900 includes:
a receiving unit 910, configured to receive a bid request sent by an electronic device, where the bid request is generated based on a service request of a user;
a processing unit 920, configured to perform risk assessment on the service request based on the bid request;
the processing unit 920 is further configured to obtain bidding information based on the result of the risk assessment, where the bidding information is used to characterize the service provided to the user and the pricing;
a sending unit 930, configured to send the bidding information to the electronic device.
The terminal device 900 provided in this embodiment includes a receiving unit 910, a processing unit 920, and a sending unit 930, and obtains bid information for a service request of a user by performing risk evaluation on the bid request according to a result of the risk evaluation, so that a service party terminal can provide corresponding bid information according to the user request, a service provided by a service provider can meet a requirement of a service demander, and a risk control requirement of the service provider for the service is met.
The terminal device provided in this embodiment may be used to implement the method on the terminal device side in any of the above embodiments, and the implementation effect is similar to that of the method embodiment, and details are not described here.
Fig. 10 is a schematic hardware structure diagram of an electronic device 1000 according to an embodiment of the present disclosure. As shown in fig. 10, in general, the electronic apparatus 1000 includes: a processor 1010 and a memory 1020.
The processor 1010 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 1010 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 1010 may also include a main processor and a coprocessor, where the main processor is a processor for Processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 1010 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, processor 1010 may further include an AI (Artificial Intelligence) processor for processing computational operations related to machine learning.
Optionally, as shown in fig. 10, the electronic device 1000 may further include a transceiver 1030, and the processor 1010 may control the transceiver 1030 to communicate with other devices, and specifically, may transmit information or data to the other devices or receive information or data transmitted by the other devices.
The transceiver 1030 may include a transmitter and a receiver, among others. The transceiver 1030 may further include an antenna, and the number of antennas may be one or more.
Those skilled in the art will appreciate that the configuration shown in fig. 10 is not limiting of the electronic device 1000 and may include more or fewer components than shown, or combine certain components, or employ a different arrangement of components.
Embodiments of the present application also provide a non-transitory computer-readable storage medium, where instructions in the storage medium, when executed by a processor of an electronic device, enable the electronic device to perform the method provided by the above embodiments.
Fig. 11 is a schematic hardware structure diagram of a terminal device 1100 according to an embodiment of the present application. As shown in fig. 11, in general, an electronic device 1100 includes: a processor 1110 and a memory 1120.
The processor 1110 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and so forth. The processor 1110 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 1110 may also include a main processor and a coprocessor, where the main processor is a processor for Processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 1110 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content required to be displayed on the display screen. In some embodiments, the processor 1110 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.
The memory 1120 may include one or more computer-readable storage media, which may be non-transitory. The memory 1120 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 1120 is used to store at least one instruction for execution by processor 1110 to implement the methods provided by the method embodiments herein.
Optionally, as shown in fig. 11, the terminal device 1100 may further include a transceiver 1130, and the processor 1110 may control the transceiver 1130 to communicate with other devices, and specifically, may transmit information or data to the other devices or receive information or data transmitted by the other devices.
The transceiver 1130 may include a transmitter and a receiver, among others. The transceiver 1130 may further include one or more antennas, which may be present in number.
Those skilled in the art will appreciate that the configuration shown in fig. 11 does not constitute a limitation of terminal device 1100, and may include more or fewer components than those shown, or may combine certain components, or may employ a different arrangement of components.
Embodiments of the present application further provide a non-transitory computer-readable storage medium, where instructions in the storage medium, when executed by a processor of a terminal device, enable the terminal device to perform the method provided in the foregoing embodiments.
The computer-readable storage medium in this embodiment may be any available medium that can be accessed by a computer or a data storage device such as a server, a data center, etc. that is integrated with one or more available media, and the available media may be magnetic media (e.g., floppy disks, hard disks, magnetic tapes), optical media (e.g., DVDs), or semiconductor media (e.g., SSDs), etc.
Those of ordinary skill in the art will understand that: all or a portion of the steps of implementing the above-described method embodiments may be performed by hardware associated with program instructions. The program may be stored in a computer-readable storage medium. When executed, the program performs steps comprising the method embodiments described above; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
The embodiment of the present application also provides a computer program product containing instructions, which when run on a computer, causes the computer to execute the method provided by the above embodiment.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.
Claims (15)
1. A method for processing service data is applied to electronic equipment, and comprises the following steps:
responding to a service request sent by a user, acquiring bidding information of n service party terminals, wherein n is more than or equal to 1, and the bidding information is used for representing services and pricing provided by the service party terminals to the user;
determining a target service party terminal matched with the service request based on the bidding information of the n service party terminals;
and sending an authorization instruction to the target service party terminal, wherein the authorization instruction is used for indicating the target service party terminal to carry out service authorization on the user.
2. The method of claim 1, wherein determining a target service party terminal matching the service request based on the bid information of the n service party terminals comprises:
ordering the bidding information of the n service party terminals based on a preset rule to obtain m service party terminals with the top or the last ordering, wherein m is more than or equal to 1 and m is less than or equal to n;
and determining a target service party terminal from the m service party terminals.
3. The method of claim 2, wherein the preset rules comprise:
sequencing according to the response time of each bidding information, wherein the response time is the time when the electronic equipment receives the bidding information or the time when the corresponding business side terminal sends the bidding information;
sorting according to the matching degree of the user label of the user and each bidding information; alternatively, the first and second electrodes may be,
and sequencing according to the weighted operation result of each bidding information, wherein the weighted operation result is an operation result obtained through weighted operation based on the receiving time or the sending time of the bidding information and the matching degree of the user label and the bidding information.
4. A method according to claim 2 or 3, characterized in that the method further comprises:
determining whether a service terminal with a message loss behavior exists in the m service side terminals based on historical data;
and if the m service side terminals have service side terminals with the credit losing behavior, deleting the service side terminals with the credit losing behavior.
5. A method according to claim 2 or 3, wherein said determining a target service party terminal from said m service party terminals comprises:
sending bidding information corresponding to each service party terminal in the m service party terminals to a user terminal;
and receiving a target service party terminal selected by the user through the user terminal.
6. The method according to any one of claims 1 to 3, wherein the obtaining of the bidding information of the n service party terminals comprises:
and acquiring bidding information of the n service party terminals within preset time.
7. The method according to any one of claims 1 to 3, wherein the obtaining of the bidding information of the n service party terminals comprises:
sending bidding requests to the p service party terminals, wherein p is more than or equal to n;
and receiving bidding information sent by the n service party terminals.
8. The method of claim 7, wherein prior to said sending bid requests to said p service terminals, said method further comprises:
acquiring a user tag of the user;
and determining the p service party terminals based on the user tags and the service preference of each service party terminal.
9. The method of any of claims 1 to 3, wherein the user tag comprises: at least one of identity information, credit value, risk level, business preference.
10. A method for processing service data is applied to a service side terminal, and comprises the following steps:
receiving a bidding request sent by an electronic device, wherein the bidding request is generated based on a service request of a user;
performing risk assessment on the service request based on the bidding request;
obtaining bidding information based on the result of the risk assessment, wherein the bidding information is used for representing the service and pricing provided for the user;
sending the bid information to the electronic device.
11. An electronic device, comprising:
the device comprises an acquisition unit, a price allocation unit and a price allocation unit, wherein the acquisition unit is used for responding to a service request sent by a user and acquiring the price allocation information of n service party terminals, n is more than or equal to 1, and the price allocation information is used for representing the service provided by the service party terminals to the user and pricing;
a processing unit, configured to determine a target service party terminal matched with the service request based on the bidding information of the n service party terminals;
and the sending unit is used for sending an authorization instruction to the target service party terminal, wherein the authorization instruction is used for indicating the target service party terminal to carry out service authorization on the user.
12. A terminal device, comprising:
the receiving unit is used for receiving a bidding request sent by the electronic equipment, wherein the bidding request is generated based on a service request of a user;
the processing unit is used for carrying out risk assessment on the service request based on the bidding request;
the processing unit is further used for obtaining bidding information based on the result of the risk assessment, and the bidding information is used for representing the service and pricing provided for the user;
a sending unit, configured to send the bidding information to the electronic device.
13. An electronic device, comprising: a memory and a processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored by the memory, causing the processor to perform the method of any of claims 1 to 9.
14. A terminal device, comprising: a memory and a processor;
the memory stores computer-executable instructions;
the processor executing the computer-executable instructions stored by the memory causes the processor to perform the method of claim 10.
15. A storage medium, comprising: readable storage media and computer programs; the computer program is for implementing the method of any one of claims 1 to 9.
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