CN112598495A - Resource quantity determination method, device and storage medium - Google Patents

Abstract

An embodiment of the present specification provides a method, an apparatus, and a storage medium for determining a resource amount, where the method includes: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and under the condition that the characteristic information of the target user is a subset of the characteristic information set, determining the corresponding resource quantity of the product after resource exemption based on the exemption strategy of the product in the resource exemption scene, thereby accurately identifying the scene information of the cost, realizing the cost exemption in different scenes and improving the system processing capacity for dealing with emergency exemption.

Description

Resource quantity determination method, device and storage medium

Technical Field

The embodiment of the specification relates to the technical field of computers, in particular to a resource quantity determining method, a resource quantity determining device and a storage medium.

Background

When the bank provides the service, the fee is required to be charged separately. The corresponding cost criteria will typically be exposed through the bank's service tariff. On the basis of the unified standard price of the bank, differential price definition is carried out on different customers, accounts, organizations, channels and the like, and different requirements of service charging are met.

The price reduction of the existing bank system is mainly completed by the following two steps: maintenance and release of cost parameters. In the current system, the cost parameters are uniformly maintained and released in a structured and layered manner. In addition to the reference price, the parameter model also defines the differentiated price of different dimensions of customers, channels, accounts and the like and combinations thereof, and the differentiated dimensions are abstractions of a type of information, such as the customer grade, the channel type, the attribute of the account and the like; and the application system identifies the difference dimension and carries out differential pricing. When service charging occurs, the application system can confirm specific values of standardized difference dimensions according to the current scene, and identify specific differentiated prices through matching with differentiated pricing parameters, so that differentiated pricing is achieved.

However, when the commission charge reduction is needed to deal with various emergency events (such as natural disasters and new coronary pneumonia epidemic situations), the scene information of various emergency events can be identified only by a program solidified code mode, and the commission charge is reduced according to different scenes.

In the existing scene information identification process, different systems have different identification modes and no unified standard definition, so that the situations of misidentification and missed identification may exist, and when the same scene in different service systems needs to be charged and reduced, multiplexing of each service system cannot be realized, so that the system processing capacity for dealing with emergency reduction is not high.

Disclosure of Invention

An object of the embodiments of the present disclosure is to provide a method, an apparatus, and a storage medium for determining a resource amount, so as to accurately identify scene information of a cost and improve a system processing capability for coping with emergency relief.

In order to solve the above problem, an embodiment of the present specification provides a resource quantity determining method, where the method includes: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

In order to solve the above problem, an embodiment of the present specification further provides an apparatus for determining a quantity of resources, where the apparatus includes: the identification module is used for identifying a resource exemption scene suitable for a product according to the product selected by a target user; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; the acquisition module is used for acquiring the characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; a determining module, configured to determine, based on a exemption policy of the product in the resource exemption scenario, a corresponding resource quantity of the product after resource exemption if the feature information of the target user is a subset of the feature information set.

In order to solve the above problem, an embodiment of the present specification further provides an electronic device, including: a memory for storing a computer program; a processor for executing the computer program to implement: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

To solve the above problem, embodiments of the present specification further provide a computer-readable storage medium having stored thereon computer instructions, which when executed, implement: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

As can be seen from the technical solutions provided in the embodiments of the present specification, a resource exemption scenario applicable to a product selected by a target user may be identified according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set. The method provided by the embodiment of the specification identifies the scene information in the system in a structured mode, standardizes the scene information into the distinguishable dimensionality which can be identified by an application system, accurately identifies the scene information of the cost, realizes cost reduction under different scenes, and improves the system processing capacity for dealing with emergency reduction.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the specification, and other drawings can be obtained by those skilled in the art without creative efforts.

FIG. 1 is a diagram illustrating an example of a scenario in an embodiment of the present disclosure;

FIG. 2 is a flowchart illustrating a scene information parsing step according to an embodiment of the present disclosure;

FIG. 3 is a flowchart illustrating a method for determining the amount of resources according to an embodiment of the present disclosure;

fig. 4 is a functional structure diagram of an electronic device according to an embodiment of the present disclosure;

fig. 5 is a schematic functional structure diagram of a resource quantity determining apparatus according to an embodiment of the present disclosure.

Detailed Description

The technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in the embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort shall fall within the protection scope of the present specification.

Currently, most commercial banking systems have parameterized price configuration and distribution for service charging, and some support multi-level, multi-dimensional flexible configuration even in the setting of cost parameters. When service charging occurs to each application system, differential cost calculation can be completed through accurate identification and analysis of cost parameters. However, the existing difference dimensions are derived from business attributes, such as customer levels, channel types, and the like, and scene information that cannot be defined abstractly cannot be defined in the difference dimensions of prices, that is, differentiated pricing parameter configuration cannot be performed, so that when commission charge reduction needs to be performed in response to various emergency incidents (such as natural disasters and new crown pneumonia epidemics), the emergency scenes cannot be identified accurately and defined in a normalized manner in the differentiated price parameters, and thus, even if an application system has the capability of differentiated pricing, automatic cost reduction cannot be performed on the emergency scenes.

At present, scene information of various emergency incidents can be identified only by means of program solidified codes, and the renewal fee is reduced according to different scenes. In the existing scene information identification process, different systems have different identification modes and do not have uniform standard definition, so that the situations of misidentification and missed identification may exist, and when the same scene in different service systems needs to be paid and exempted, multiplexing of each service system cannot be realized, so that the processing capacity of the system for dealing with emergency exemption is not high

Considering that if the emergency scene is defined in a standardized manner, the scene information is identified in the system in a structured manner and is normalized into the recognizable differentiated dimension of the application system, so that cost reduction and avoidance under different scenes are realized, the problem that mistaken identification and missed identification possibly exist in the prior art, and when charging reduction and avoidance are needed for the same scene in different service systems, multiplexing of each service system cannot be realized is solved, the scene information of the cost is accurately identified, and the system processing capacity for dealing with the emergency reduction and avoidance is improved. Based on this, the embodiments of the present specification provide a resource quantity determination method, device and storage medium.

In the embodiment of the present specification, the method, the apparatus, and the storage medium for determining the resource amount may be applied to a charging system of a commercial bank, and certainly, may also be applied to charging systems of other enterprises, such as various nationally owned enterprises, civil service enterprises, and foreign resource enterprises.

An embodiment of the present specification provides an example of a scenario, as shown in fig. 1, fig. 1 is a schematic diagram of an example of a scenario provided by an embodiment of the present specification.

In the scene example, the method can include the steps of scene information definition, scene information release, scene information analysis, differentiated pricing and the like to realize standardized definition of the emergency scene, identify the scene information in the system in a structured mode, and standardize the scene information into differentiated dimensionality which can be identified by an application system, so that cost reduction and avoidance under different scenes are realized.

In the scene example, through the scene information definition step, different emergency charging exemption scene information can be structurally defined, and a uniform parameter analysis method capable of being accurately identified by an application system is provided. The scene information defining step may include definition of a scene type, definition of a scene type and a transaction mechanism relationship, and definition of a scene type and a transaction channel.

In the present scenario example, the definition of the scenario type may include an effective date and an expiration date for defining the applicable exemption scenario, a scenario charge exemption reason, and the like. For example, the immunization schedule may be an epidemic immunization schedule, a financial institution immunization schedule, or the like. Specifically, for epidemic situation immunity reduction, the effective date can be the epidemic situation starting time, the failure date can be the epidemic situation ending time, and the immunity reduction reason is that the epidemic situation has serious influence on economy and health; for general financial deduction, the effective date can be the implementation time of the general financial policy, the failure date can be the ending time of the general financial policy, and the deduction reason can promote sustainable balanced development of financial industry, promote public entrepreneurship and public innovation, promote transformation and upgrade of economic development modes and promote social fairness and social harmony.

In this scenario example, different exemption scenarios may be configured with different dimensions of feature information for the user. The specific information may include feature information of an identity dimension, feature information of an account dimension, feature information of a special dimension, and the like. For example, an epidemic exemption scenario may configure feature information for an account dimension, and a financial exemption scenario may configure feature information for an identity dimension.

The identity dimension's profile describes the range of users involved in the exemption scenario. The feature information of the identity dimension may be a user identifier uniquely identifying the user identity, and if the user is a personal user, the user identifier may be an identity card number of the user, and if the user is an enterprise user, the user identifier may be an organization code. Of course, the user identifier may also be in other forms capable of uniquely identifying the user identity. If the user identifier is configured in the user characteristic information configured in the exemption scene, the user can enjoy fee exemption.

The characteristic information of the account dimension describes the range of accounts contained in the exemption scenario. The characteristic information of the account dimension comprises an account number of the user, and the account number can be an account number of the user who makes an account at any commercial bank. If the account number of the user is configured in the user characteristic information configured in the exemption scene, the user corresponding to the account number can enjoy fee exemption.

The special dimension describes special scene content in the exemption scene. For example, for certain products selected by the user, which may be subject to cost reduction, the characteristic information of the particular dimension may be product information selected by the user. For example, the product purchased by the user is special epidemic prevention material. If the purchased special epidemic prevention materials are configured in the feature information of the special dimensionality configured in the immunity reduction scene, the special epidemic prevention materials purchased by the user can enjoy cost reduction, the feature information can be a label of a product purchased by the user, and the label is the special epidemic prevention materials; for example, if the product selected by the user is a certain transfer service, the transfer service is configured in the characteristic information of a special dimension configured in the exemption scene, and the transfer service enjoys fee exemption, and the characteristic information can be abstract code information in the transfer transaction.

In this scenario example, the definition of the scenario type and the transaction institution relationship may define a transaction institution scope to which each exemption scenario applies. The transaction mechanism comprises a bank head office, a first-level branch, a second-level branch and the like. Different exemption scenarios can be suitable for different transaction institutions, for example, a general financial exemption can be suitable for a whole bank, an epidemic exemption can be suitable for a first-level branch bank, and the like.

In the present scenario example, the definition of scenario types and transaction channels may define a range of transaction channels to which each exemption scenario applies. The transaction channel comprises an online bank, an app, a WeChat public number, a Paibao life number, a self-service terminal, a small program and the like. Different exemption scenarios may be applicable to different trading channels, e.g., a financial offer may be applicable to all trading channels.

In the scenario example, through the scenario information publishing step, the uniformly defined structured scenario information can be published to the data warehouse through data downloading and returning, and each application system can initiate subscription to the scenario information to complete local loading of parameters.

In the present scenario example, it may be determined through the scenario information parsing step whether the target user selecting the product may enjoy the exemption in a certain exemption scenario. Specifically, the scene information analyzing step is shown in fig. 2, and the scene information analyzing step includes the following steps.

Step 1: the application system initiates a cost calculation.

When the application system initiates service charging, the exemption scene applicable to the product can be identified according to the product selected by the target user. Specifically, the product and the applicable exemption scenario may be stored in a database in an associated manner, and identifying the applicable exemption scenario for the product according to the product selected by the target user includes: and identifying the applicable exemption scene of the product according to the incidence relation between the database product and the applicable exemption scene. Specifically, the product and the exemption scene may be stored in association according to the following manner: the product and the exemption scene are stored in a related mode through a data table, one column of the product and the other column of the data table store an exemption scene identifier, the exemption scene identifier is used for uniquely identifying the exemption scene, and the product with the corresponding relation and the exemption scene identifier are located on the same row. Alternatively, the product and the index of the exempt scenario may be stored in association. Specifically, for example, a deduction scene set is stored in the database in advance, a number is set for each deduction scene in the deduction scene set, the number is an index, and a corresponding product can be uniquely determined by the index. The indexes of the product and the exemption scene are stored in an associated mode, so that the exemption scene associated with the product can be uniquely determined. Of course, the way of storing the association between the product and the exemption scene is not limited to the above example, and other modifications are possible for those skilled in the art in light of the technical spirit of the embodiments of the present disclosure, but all that can be achieved by the method and the device are within the scope of the embodiments of the present disclosure as long as the method and the device achieve the same or similar functions and effects as the embodiments of the present disclosure.

Step 2: a difference dimension is identified.

After identifying the exemption scene suitable for the product, the feature information of which dimension of the target user is to be acquired can be determined according to the feature information configured in the exemption scene. For example, if the immunization reduction scene is an epidemic situation immunization reduction scene, the acquisition of the feature information of the account dimension of the target user can be determined based on the feature information of the account dimension configured in the epidemic situation immunization reduction scene; and if the exemption scene is a general financial exemption scene, determining to acquire the characteristic information of the identity dimension of the target user based on the characteristic information of the identity dimension configured in the general financial exemption scene.

And step 3: and acquiring the characteristic information.

After identifying the difference dimension, it may be decided which dimension of feature information of the target user is to be obtained. For example, if the feature information of the account dimension of the target user is determined to be acquired, the account number of the target user may be acquired; if the feature information of the identity dimension of the target user is determined to be obtained, the user identification of the target user can be obtained; if the feature information of the special dimensionality of the target user is determined to be obtained, the product information selected by the target user can be obtained.

And 4, step 4: and matching the characteristic information.

The acquired feature information can be matched with the locally subscribed scene definition, if the record meeting the conditions exists, the corresponding scene type code can be identified, and whether the corresponding scene type code is needed to be used as the difference dimension in the transaction is determined according to the applicable mechanism and channel range matched by the transaction mechanism and the transaction channel. Specifically, if the acquired feature information is the feature information configured in the corresponding exemption scene, it is determined that the target user can enjoy the cost exemption in the exemption scene. For example, if the acquired feature information is feature information of the account dimension of the target user, it may be determined whether the acquired account number of the target user is an account number in the feature information of the account dimension configured in the epidemic situation exemption scene, and if so, it may be determined that the target user may enjoy charge exemption in the exemption scene; if the acquired feature information is the new feature of the identity dimension of the target user, whether the acquired user identifier of the target user is the user identifier in the feature information of the identity dimension configured in the general financial exemption scene can be judged, and if so, the target user can be determined to enjoy fee exemption in the exemption scene.

Of course, after determining that the target user can enjoy the fee deduction in the deduction scene, whether or not the pricing can be made according to the enjoyment of the fee deduction can also be determined based on the trading institution, the trading channel of the product selected by the target user. Specifically, different exemption scenes can be suitable for different transaction institutions and transaction channels, and if the transaction institution and the transaction channel of the product selected by the target user do not support the exemption scene, the target user cannot enjoy fee exemption; if the target user selects a trading institution or a trading channel of the product to support the exemption scenario, the target user can enjoy fee exemption.

In this scenario example, through the differentiated pricing step, if the target user can enjoy the fee deduction, the corresponding deduction price of the product after the fee deduction can be determined based on the deduction policy of the product selected by the target user in the corresponding deduction scenario. The deduction strategy can be a specific deduction calculation method in the deduction scene, and the corresponding deduction price after the expense is reduced can be calculated through the deduction calculation method.

Please refer to fig. 3. The illustrated embodiment provides a resource quantity determination method. In the embodiment of the present specification, a subject performing the resource amount determination method may be an electronic device having a logical operation function, and the electronic device may be a server. The server may be an electronic device having a certain arithmetic processing capability. Which may have a network communication unit, a processor, a memory, etc. Of course, the server is not limited to the electronic device having a certain entity, and may be software running in the electronic device. The server may also be a distributed server, which may be a system with multiple processors, memory, network communication modules, etc. operating in coordination. Alternatively, the server may also be a server cluster formed by several servers. The method may include the following steps.

S310: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set includes feature information of a plurality of different users.

In the embodiment of the present specification, the product may be a virtual product without entity, for example, a product provided by a commercial bank to a customer, which can meet specific financial requirements and investment income of the customer, such as automobile loan, educational deposit, and the like; or some service or function provided by the commercial bank to the customer, such as services of account opening and transfer, payment function and the like; the system can also be a part of products in bank products for providing function expansion or over-value service for customers, belongs to the series business of financial products, and is an extension of the bank products.

In the embodiment of the specification, the resources exist depending on the product, and the value of the product can be embodied to a certain extent. For example, the resource may be the price of a product offered to the customer by a commercial bank, such as a loan transaction, an account opening, a transfer of funds, a commission fee charged at the time of payment, an annual fee charged by a savings transaction, and the like. The prices of different products may be different, i.e. different products may correspond to different amounts of resources.

In some embodiments, the resource exemption scenario may be a scenario in which resource exemption can be enjoyed, for example, the resource exemption scenario may be an epidemic exemption scenario, a financial exemption scenario, or the like. The resource exemption scenario may include applicable expiration and expiration dates, the cause of the scenario charge exemption, and the like. For example, for an epidemic situation immunity reduction scene, the effective date can be the epidemic situation starting time, the failure date can be the epidemic situation ending time, and the immunity reduction reason is that the epidemic situation has serious influence on economy and health; for the general financial deduction scene, the effective date can be the implementation time of the general financial policy, the failure date can be the ending time of the general financial policy, and the deduction reason can promote the sustainable balanced development of the financial industry, promote the public entrepreneurship and public innovation, promote the transformation and upgrade of the economic development mode and promote the social fairness and social harmony.

In some embodiments, the resource exemption scenario is configured with a set of feature information; the feature information set includes feature information of a plurality of different users. The feature information may be classified into different types based on the dimension of the feature information, for example, the type of the feature information includes feature information of an identity dimension and feature information of an account dimension.

In some embodiments, different resource exemption scenario configurations differ in the type of feature information in the set of feature information. For example, an epidemic exemption scenario may configure feature information for an account dimension, and a financial exemption scenario may configure feature information for an identity dimension.

In some embodiments, the identity dimension's profile describes the range of users involved in the resource exemption scenario. The feature information of the identity dimension may be a user identifier uniquely identifying the user identity, and if the user is a personal user, the user identifier may be an identity card number of the user, and if the user is an enterprise user, the user identifier may be an organization code. Of course, the user identifier may also be in other forms capable of uniquely identifying the user identity. If the user identifier is configured in the user characteristic information configured in the resource exemption scene, the user can enjoy resource exemption.

The characteristic information of the account dimension describes the range of the account included in the resource exemption scene. The characteristic information of the account dimension comprises an account number of the user, and the account number can be an account number of the user who makes an account at any commercial bank. If the account number of the user is configured in the user characteristic information configured in the resource exemption scene, the user corresponding to the account number can enjoy fee exemption.

In some embodiments, resource exemption scenarios applicable to a product selected by a target user may be identified based on the product. Specifically, the product and the applicable exemption scenario may be stored in a database in an associated manner, and identifying the resource exemption scenario applicable to the product according to the product selected by the target user includes: and identifying the resource exemption scene applicable to the product according to the incidence relation between the database product and the applicable resource exemption scene. Specifically, the product and resource exemption scenarios can be stored in association according to the following ways: the method comprises the steps of associating and storing a product and a resource exemption scene in a data table mode, wherein one column of the product and the other column of the product are used for storing a resource exemption scene identifier, the resource exemption scene identifier is used for uniquely identifying the resource exemption scene, and the product with the corresponding relation and the resource exemption scene identifier are located on the same row. Alternatively, an index of product and resource exemption scenarios may be stored in association. Specifically, a resource exemption scene set is stored in the database in advance, a number is made for each resource exemption scene in the resource exemption scene set, the number is an index, and a corresponding product can be uniquely determined through the index. The indexes of the product and the resource exemption scenes are stored in an associated mode, so that the exemption scenes associated with the product can be uniquely determined. Of course, the way of storing the associated product and resource exemption scenes is not limited to the above example, and other modifications are possible for those skilled in the art based on the teachings of the embodiments of the present disclosure, but all that can be achieved by the method and the system are covered by the scope of the embodiments of the present disclosure as long as the functions and effects achieved by the method and the system are the same or similar to the embodiments of the present disclosure.

S320: acquiring characteristic information of the target user; and the type of the characteristic information of the target user is the same as the type of the characteristic information in the characteristic information set.

In some embodiments, after identifying the resource exemption scenario applicable to the product, it may be decided which type of feature information of the target user to acquire according to the feature information in the feature information set configured in the resource exemption scenario. Specifically, the type of the acquired feature information of the target user is the same as the type of the feature information in the feature information set. For example, if the characteristic information of the account dimension is configured in the epidemic situation exemption scene, and the characteristic information of the identity dimension is configured in the general financial exemption scene, when the resource exemption scene is the epidemic situation exemption scene, the characteristic information of the account dimension configured in the epidemic situation exemption scene can be determined to be obtained; when the resource exemption scene is a general financial exemption scene, the characteristic information of the identity dimension of the target user can be determined to be acquired based on the characteristic information of the identity dimension configured in the general financial exemption scene.

In some embodiments, if the feature information of the account dimension of the target user is obtained, the account number of the target user may be obtained; if the characteristic information of the identity dimension of the target user is obtained, the user identification of the target user can be obtained.

S330: and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

In some embodiments, the obtained feature information of the target user may be matched with the feature information set configured in the resource exemption scenario, and if the feature information of the target user is a subset of the feature information set, it may be determined that the target user may enjoy fee exemption in the exemption scenario. For example, if the acquired feature information is feature information of the account dimension of the target user, it may be determined whether the acquired account number of the target user is an account number in the feature information of the account dimension configured in the epidemic situation exemption scene, and if so, it may be determined that the target user may enjoy charge exemption in the exemption scene; if the acquired feature information is the new feature of the identity dimension of the target user, whether the acquired user identifier of the target user is the user identifier in the feature information of the identity dimension configured in the general financial exemption scene or not can be judged, and if so, the target user can be determined to enjoy fee exemption in the resource exemption scene.

In some embodiments, if the target user may enjoy fee exemption, the amount of resources corresponding to the product after resource exemption may be determined based on the exemption policy of the product in the resource exemption scenario. The deduction strategy can be a specific deduction calculation method in the deduction scene, and the corresponding resource quantity after resource deduction can be calculated through the deduction calculation method.

In some embodiments, in a case that the feature information of the target user is not a subset of the feature information set, if the product belongs to a preset specified product, determining, based on a deduction policy for the preset specified product, a corresponding resource quantity of the product after resource deduction. Specifically, the preset designated product can be special epidemic prevention materials, certain transfer service and the like. Whether the product belongs to a preset designated product may be determined based on product information of a product selected by a user. For example, if the product selected by the user is a special epidemic prevention material, whether the product belongs to a preset specified product can be determined based on a label of the product purchased by the user, and if the label is the special epidemic prevention material, the product can be determined to belong to the preset specified product; for example, if the product selected by the user is a certain transfer service, it may be determined whether the product belongs to a preset designated product based on summary code information in a transfer transaction of the user, and if the summary code information is the preset summary code information, it may be determined that the product belongs to the preset designated product.

In some embodiments, in the case that the characteristic information of the target user is a subset of the set of characteristic information, a transaction institution where the target user selects the product may be obtained; and determining the corresponding resource quantity of the product after resource exemption based on the exemption strategy of the product in the resource exemption scene under the condition that the resource exemption scene is applicable to the transaction mechanism. Specifically, each resource exemption scenario may have an applicable range of trading institutions. The transaction institution may include a bank headquarters, primary branches, secondary branches, and the like. Different exemption scenarios can be suitable for different transaction institutions, for example, a general financial exemption can be suitable for a whole bank, an epidemic exemption can be suitable for a first-level branch bank, and the like. For example, the acquired feature information is feature information of account dimensions of the target user, and when the acquired account number of the target user is an account number in the feature information of account dimensions configured in an epidemic situation immunity reduction scene, because the epidemic situation immunity reduction is applicable to a primary branch, if the target user selects a transaction institution of the product as the primary branch, it can be determined that the target user can enjoy the cost immunity reduction; if the target user selects the product's transaction facility as a secondary branch, it may be determined that the target user may not enjoy fee exemption.

In some embodiments, in the case that the characteristic information of the target user is a subset of the characteristic information set, acquiring a transaction channel for the target user to select the product; and determining the corresponding resource quantity of the product after resource exemption based on the exemption strategy of the product in the resource exemption scene under the condition that the resource exemption scene is applicable to the transaction channel. Specifically, each resource exemption scenario may have an applicable trading channel range. The transaction channel comprises an online bank, an app, a WeChat public number, a Paibao life number, a self-service terminal, a small program and the like. Different exemption scenarios may be applicable to different trading channels, e.g., a financial offer may be applicable to all trading channels. For example, the obtained feature information is feature information of an identity dimension of a target user, when the obtained user identifier of the target user is a user identifier in the feature information of the identity dimension configured in a financial context, because the financial context can be applied to all transaction channels, when the target user selects the transaction channel of the product as any channel, it can be determined that the target user can enjoy the fee reduction.

The resource quantity determining method provided by the embodiment of the specification can identify a resource exemption scene suitable for a product according to the product selected by a target user; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set. The method provided by the embodiment of the specification identifies the scene information in the system in a structured mode, standardizes the scene information into the distinguishable dimensionality which can be identified by an application system, accurately identifies the scene information of the cost, realizes cost reduction under different scenes, and improves the system processing capacity for dealing with emergency reduction.

Fig. 4 is a functional structure diagram of an electronic device according to an embodiment of the present disclosure, where the electronic device may include a memory and a processor.

In some embodiments, the memory may be used to store the computer programs and/or modules, and the processor may implement the various functions of the resource amount determination method by running or executing the computer programs and/or modules stored in the memory and calling the data stored in the memory. The memory can mainly comprise a program storage area and a data storage area, wherein the program storage area can store an operating system and an application program required by at least one function; the storage data area may store data created according to the use of the user terminal. In addition, the memory may include high speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage device, a Flash memory device, or other volatile solid state storage device.

The Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an APPlication Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The processor may execute the computer instructions to perform the steps of: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

In the embodiments of the present description, the functions and effects specifically realized by the electronic device may be explained in comparison with other embodiments, and are not described herein again.

Fig. 5 is a functional structure diagram of an index database creating apparatus according to an embodiment of the present disclosure, where the apparatus may specifically include the following structural modules.

An identifying module 510 for identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users;

an obtaining module 520, configured to obtain feature information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set;

a determining module 530, configured to determine, based on a exemption policy of the product in the resource exemption scenario, a corresponding resource amount of the product after resource exemption if the feature information of the target user is a subset of the feature information set.

The embodiment of the present specification further provides a computer-readable storage medium of a resource quantity determination method, where the computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed, the computer program instructions implement: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

In the embodiments of the present specification, the storage medium includes, but is not limited to, a Random Access Memory (RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard Disk Drive (HDD), or a Memory Card (Memory Card). The memory may be used for storing the computer programs and/or modules, and the memory may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created according to the use of the user terminal, and the like. In addition, the memory may include high speed random access memory, and may also include non-volatile memory. In the embodiments of the present description, the functions and effects specifically realized by the program instructions stored in the computer-readable storage medium may be explained in contrast to other embodiments, and are not described herein again.

It should be noted that, in the present specification, each embodiment is described in a progressive manner, and the same or similar parts in each embodiment may be referred to each other, and each embodiment focuses on differences from other embodiments. In particular, as for the apparatus embodiment and the apparatus embodiment, since they are substantially similar to the method embodiment, the description is relatively simple, and reference may be made to some descriptions of the method embodiment for relevant points.

After reading this specification, persons skilled in the art will appreciate that any combination of some or all of the embodiments set forth herein, without inventive faculty, is within the scope of the disclosure and protection of this specification.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardbyscript Description Language (vhr Description Language), and vhjhd (Hardware Description Language), which is currently used by most popular version-software. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

From the above description of the embodiments, it is clear to those skilled in the art that the present specification can be implemented by software plus a necessary general hardware platform. Based on such understanding, the technical solutions of the present specification may be essentially or partially implemented in the form of software products, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and include instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments of the present specification.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The description is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

While the specification has been described with examples, those skilled in the art will appreciate that there are numerous variations and permutations of the specification that do not depart from the spirit of the specification, and it is intended that the appended claims include such variations and modifications that do not depart from the spirit of the specification.

Claims (12)

1. A method for determining the amount of resources, the method comprising:

identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users;

acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set;

and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

2. The method of claim 1, further comprising:

under the condition that the characteristic information of the target user is a subset of the characteristic information set, acquiring a transaction mechanism of the product selected by the target user;

and determining the corresponding resource quantity of the product after resource exemption based on the exemption strategy of the product in the resource exemption scene under the condition that the resource exemption scene is applicable to the transaction mechanism.

3. The method of claim 2, wherein the transaction facility comprises at least one of a bank headquarters, a primary branch, and a secondary branch.

4. The method of claim 1, further comprising:

under the condition that the characteristic information of the target user is a subset of the characteristic information set, acquiring a transaction channel of the product selected by the target user;

and determining the corresponding resource quantity of the product after resource exemption based on the exemption strategy of the product in the resource exemption scene under the condition that the resource exemption scene is applicable to the transaction channel.

5. The method of claim 4, wherein the transaction channel comprises at least one of an online bank, an app, a WeChat public number, a Payment treasure Life number, a self-service terminal, and an applet.

6. The method of claim 1, wherein the types of characteristic information include characteristic information for an identity dimension and characteristic information for an account dimension.

7. The method of claim 6, wherein the characteristic information of the identity dimension comprises a user identification uniquely identifying the user identity; the characteristic information of the account dimension comprises an account number of the user.

8. The method of claim 1, wherein the types of feature information in the feature information sets of different resource exemption scenario configurations are different.

9. The method according to claim 1, wherein in a case that the feature information of the target user is not a subset of the feature information set, if the product belongs to a preset specified product, determining a corresponding resource quantity of the product after resource exemption based on a exemption policy for the preset specified product.

10. An apparatus for determining the amount of resources, the apparatus comprising:

the identification module is used for identifying a resource exemption scene suitable for a product according to the product selected by a target user; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users;

the acquisition module is used for acquiring the characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set;

a determining module, configured to determine, based on a exemption policy of the product in the resource exemption scenario, a corresponding resource quantity of the product after resource exemption if the feature information of the target user is a subset of the feature information set.

11. An electronic device, comprising:

a memory for storing a computer program;

a processor for executing the computer program to implement: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and determining the corresponding resource quantity of the product after resource exemption based on a exemption strategy of the product in the resource exemption scene under the condition that the feature information of the target user is a subset of the feature information set.

12. A computer readable storage medium having computer instructions stored thereon that when executed perform: identifying a resource exemption scenario applicable to a product selected by a target user according to the product; the resource exemption scene is configured with a characteristic information set; the feature information set comprises feature information of a plurality of different users; acquiring characteristic information of the target user; the type of the feature information of the target user is the same as that of the feature information in the feature information set; and under the condition that the characteristic information of the target user is a subset of the characteristic information set, determining a resource quantity library corresponding to the product after resource exemption based on a exemption strategy of the product under the resource exemption scene.

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