CN113052665A - Method, system, device and medium for processing quota based on order information - Google Patents
Method, system, device and medium for processing quota based on order information Download PDFInfo
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- G06Q30/00—Commerce
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- G06Q30/0635—Processing of requisition or of purchase orders
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a method, a system, equipment and a medium for processing an amount to be increased based on order information, wherein the method for processing the amount to be increased based on the order information comprises the following steps: acquiring scene information of current order information and a rate-increasing strategy of a product line corresponding to the scene information; determining an amount increasing result based on the scene information of the current order information and the amount increasing strategy; and outputting the quota improving result so as to carry out quota improving processing according to the quota improving result. The method and the device for identifying the credit line of the high-risk user, disclosed by the invention, can be used for judging whether to improve the credit line of the user in real time by combining the scene information of the current order, so that the accuracy of the identification of the credit line risk of each order is increased, the temporary requirements of the user with relatively high risk can be covered, the overdue risk of the high-risk user is effectively controlled while the insufficient proportion of the user line is reduced, and the safety of the credit line and the experience of the user are greatly improved.
Description
Technical Field
The invention relates to the technical field of information data processing, in particular to an amount-increasing processing method, system, equipment and medium based on order information.
Background
The order of each product line in the OTA (online travel agency) has different average price levels, for example, team games, international air tickets and the like are in a high consumption scene, and train tickets, bus tickets and the like are in a low consumption scene, however, the credit line of the user has an upper limit threshold, so that when the using amount of the user is too much or the price of an order is too high, the user experience is poor because the using amount cannot be used for payment due to insufficient line.
The bank or other financial platform mainly promotes the credit line of the user by two ways of regular rate promotion and temporary rate promotion. On one hand, the two ways are generally to judge whether to increase the user quota based on the historical consumption condition of the user, which is difficult to meet the temporary quota requirement of some high-risk users, and greatly reduces the experience of the user. On the other hand, if the credit granted to the high-risk user is too high, the capital risk of the bank and the related financial institution is increased. Therefore, the quota increasing method in the prior art cannot meet the real-time reasonable quota requirement of a high-risk user and achieve the purpose of controlling overdue risks.
Disclosure of Invention
The invention provides an order information-based quota processing method, system, equipment and medium, aiming at overcoming the defect that the quota method in the prior art has low accuracy of risk identification when a pen order is subjected to real-time quota improvement.
The invention solves the technical problems through the following technical scheme:
the invention provides an amount-increasing processing method based on order information, which comprises the following steps:
acquiring scene information of current order information and a rate-increasing strategy of a product line corresponding to the scene information;
determining an amount increasing result based on the scene information of the current order information and the amount increasing strategy;
and outputting the quota improving result so as to carry out quota improving processing according to the quota improving result.
Preferably, the method further comprises:
obtaining the order amount of the current order;
and when the available amount of the user is smaller than the order amount of the current order, acquiring the scene information of the current order information and the rate-increasing strategy of the product line corresponding to the scene information.
Preferably, the step of obtaining the rate-increasing policy of the current order comprises:
screening out historical rating risk characteristics of the product line based on historical order data of the product line corresponding to the scenario information of the current order information, wherein the rating risk characteristics are used for representing the risk degree of rating the order belonging to the product line;
and generating a rate-lifting strategy of the product line corresponding to the current order information according to the historical rate-lifting risk characteristics.
Preferably, the step of determining the quotation result based on the scenario information of the current order and the quotation strategy includes:
screening out corresponding current quota-increasing risk characteristics in the scene information of the current order;
and determining a rate-increasing result based on the current pre-rate risk characteristic and a rate-increasing strategy of the product line corresponding to the current order information.
Preferably, the quota policy is a weighted quota policy;
the step of determining the rate-lifting result based on the current pre-rate risk characteristic and the rate-lifting strategy of the product line corresponding to the current order information includes:
and determining the quota increasing result in a weighting quota increasing strategy mode by taking different current quota risk characteristics as different weighting coefficients.
Preferably, the method further comprises:
acquiring historical consumption characteristics of a user corresponding to current order information;
determining the amount of the increased amount in a weighting mode by taking different historical consumption characteristics of the user as different weighting coefficients;
and outputting the amount to perform the amount-increasing processing according to the amount.
The invention also provides an order information-based rate-increasing processing system, which comprises:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring scene information of current order information and a rate-increasing strategy of a product line corresponding to the scene information;
the quota result determining module is used for determining a quota result based on the scene information of the current order information and the quota strategy;
and the quota result output module is used for outputting the quota result so as to carry out quota processing according to the quota result.
Preferably, the system further comprises:
the second acquisition module is used for acquiring the order amount of the current order;
and when the available amount of the user is smaller than the order amount of the current order, calling the first acquisition module.
Preferably, the first obtaining module is configured to:
screening out historical rating risk characteristics of the product line based on historical order data of the product line corresponding to the scenario information of the current order information, wherein the rating risk characteristics are used for representing the risk degree of rating the order belonging to the product line;
and generating a rate-lifting strategy of the product line corresponding to the current order information according to the historical rate-lifting risk characteristics.
Preferably, the quota result determining module is configured to:
screening out corresponding current quota-increasing risk characteristics in the scene information of the current order;
and determining a rate-increasing result based on the current pre-rate risk characteristic and a rate-increasing strategy of the product line corresponding to the current order information.
Preferably, the quota policy is a weighted quota policy;
the quota result determination module is configured to:
and determining the quota increasing result in a weighting quota increasing strategy mode by taking different current quota risk characteristics as different weighting coefficients.
Preferably, the system further comprises:
the third acquisition module is used for acquiring the historical consumption characteristics of the user corresponding to the current order information;
the system comprises a quota amount determining module, a quota amount determining module and a quota amount determining module, wherein the quota amount determining module is used for determining a quota amount in a weighting mode by taking different historical consumption characteristics of a user as different weighting coefficients;
and the quota amount output module is used for outputting the quota amount so as to carry out quota processing according to the quota amount.
The invention also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the computer program to realize the method for processing the amount based on the order information.
The present invention also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method for processing an amount based on order information as described in any one of the above.
The positive progress effects of the invention are as follows: whether the credit limit of the user is improved or not is judged in real time by combining the scene information of the current order, the accuracy of the identification of the credit limit of each order is increased, the temporary requirements of the user with relatively high risk can be covered, the overdue risk of the user with high risk is effectively controlled while the insufficient proportion of the user limit is reduced, and the improvement safety and the user experience are greatly improved.
Drawings
Fig. 1 is a flowchart of an amount-increasing processing method based on order information according to embodiment 1 of the present invention.
Fig. 2 is a flowchart of an amount-increasing processing method based on order information according to embodiment 2 of the present invention.
Fig. 3 is a block diagram of an order information-based quota processing system according to embodiment 3 of the present invention.
Fig. 4 is a block diagram of an order information-based quota processing system according to embodiment 4 of the present invention.
Fig. 5 is a schematic structural diagram of an electronic device according to embodiment 5 of the present invention.
Detailed Description
The invention is further illustrated by the following examples, which are not intended to limit the scope of the invention.
Example 1
The embodiment discloses an amount-increasing processing method based on order information, as shown in fig. 1, the amount-increasing processing method based on order information includes the following steps:
and S11, acquiring the scenarized information of the current order information and the quotation strategy of the product line corresponding to the scenarized information.
In specific implementation, the scenario information of the current order information in this step is information that may have an actual influence on the quotation result, including but not limited to the product purchased by the current order, the product line to which the product belongs, whether the current order relates to risk factors related to cash register, and the current economic situation.
In addition, the weighting factors of the rate-increase risk characteristics in the rate-increase policies of the respective product lines are different from each other, and the specific weighting factor depends on the scenario information. For example, if an air ticket and a hotel product are included in a travel order, it may be determined that the travel order belongs to an air ticket product line and a hotel product line, and then the rate-increasing policies corresponding to the two types of products are obtained, and meanwhile, it may also be considered whether the purpose of the travel order belongs to a business trip or an individual trip, whether the order-placing time is in a slack season or an open season, and the like.
And S12, determining a quota result based on the scenizal information and quota strategy of the current order information.
The steps specifically include: presetting a rate-increasing risk threshold, calculating a rate-increasing risk value, if the obtained rate-increasing risk value exceeds the rate-increasing risk threshold, indicating that the rate-increasing risk of the current order is higher, and determining that the rate-increasing result is that no rate increase is performed; otherwise, if the value of the obtained rate-increasing result is lower than the rate-increasing risk threshold, it indicates that the rate-increasing risk of the current order is low, and the rate-increasing result is determined as the rate increase. The calculation of the quotation risk value is obtained by extracting information related to the quotation strategy in the scenario information, processing the information into corresponding weighting coefficients and inputting the weighting coefficients into the quotation strategy.
And S13, outputting the quota result so as to carry out quota processing according to the quota result.
Specifically, the step may include outputting the result of the quota increase to the server, performing processing on whether to increase the quota according to the result, and presenting the final result at the user terminal. The method comprises the following steps that an amount-increasing result specifically comprises two conditions, if the amount-increasing processing is carried out, a credit line payment mode is displayed for a user, and the user is prompted to increase the amount temporarily; if the credit is not processed, the payment method of the credit limit is not displayed, but the normal insufficient limit flow is directly entered.
Example 2
The method for processing an amount to be increased based on order information according to the present embodiment is a further improvement on the basis of embodiment 1.
As shown in fig. 2, the method for processing an amount to be increased based on order information in this embodiment further includes:
s101, obtaining the order amount of the current order;
s102, when the available amount of the user is smaller than the order amount of the current order, obtaining the scene information of the current order information and the quotation strategy of the product line corresponding to the scene information.
Specifically, before the step of determining the rate-increasing result, it may be determined whether the amount of the current order exceeds the current available amount of the user, and only when the available amount of the user is less than the amount of the order, that is, the credit amount is not enough to cover the consumption requirement of the user, the payment information is transmitted to the wind-controlled rate-increasing decision point for the rate-increasing evaluation. Therefore, by adding step S101 and step S102, time and resources can be saved, and efficiency can be improved.
Preferably, in this embodiment, the step of obtaining the rate-raising policy of the current order in step S11 of embodiment 1 includes:
s103, screening out historical rating risk characteristics of the product line based on historical order data of the product line corresponding to the scenario information of the current order information, wherein the rating risk characteristics are used for representing the risk degree of rating the order belonging to the product line;
and S104, generating a rate-increasing strategy of the product line corresponding to the current order information according to the historical rate-increasing risk characteristics.
In the specific implementation process, each product line comprises a large amount of historical order data, data cleaning and transformation are carried out on orders which are paid by using a credit line, historical rate-raising risk characteristics of order information of each product line can be summarized, and therefore the risk degree of the orders is distinguished according to the screened historical rate-raising risk characteristics.
The historical risk feature for raising the amount in the above steps includes a positive feature and a negative feature, wherein the positive feature is used for representing that the risk degree of raising the amount of the order is low, and the negative feature is used for representing that the risk degree of raising the amount of the order is high. Still taking the above travel orders including airline tickets and hotel products as an example, wherein the forward characteristics may include that the order belongs to a reimburseable business order, is currently in a travel season, etc.; meanwhile, the negative characteristics may include that the ratio of the total amount of the order amount occupying the user credit line is greater than a threshold value, the user credit score is low, and the like.
In addition, the step can also comprise a risk simulation test on the generated quota raising strategy so as to continuously improve the risk judgment accuracy of the quota raising strategy.
In this embodiment, as a preferred implementation manner, step S12 in embodiment 1 includes:
s105, screening out corresponding current quota increasing risk characteristics in the scene information of the current order;
and S106, determining a rate-increasing result based on the current pre-rate risk characteristic and the rate-increasing strategy of the product line corresponding to the current order information.
The current offer risk characteristics included in steps S105 and S106 may be filtered based on the historical offer risk characteristics already summarized in step S103, in other words, the current offer characteristics may be respective characteristics associated with the historical offer risk characteristics in their corresponding offer policies in the context information of the current order information. In particular, the current offer risk characteristics may be from current order data, login data of the current user, browsing data of the current user, historical consumption data of the current user, and credit score of the current user.
Preferably, the rate-increasing strategy is a weighted rate-increasing strategy;
in the present embodiment, step S12 in embodiment 1 includes:
and S107, determining the quota increasing result in a weighting quota increasing strategy mode by taking different current quota risk characteristics as different weighting coefficients.
In the specific implementation process, the quota result is calculated in a weighting mode, and correspondingly, the calculated quota result is a numerical value. In step S107, first, based on the processing of the historical data, a weight of each historical referral risk feature in the referral policy is generated; secondly, the screened current quota risk characteristics are also converted into corresponding coefficients, and the coefficients are input into a quota raising strategy; finally, a value for determining the rate-increasing result is obtained in a weighting mode and is compared with a preset threshold value to determine a final rate-increasing result.
As a preferred implementation manner, the method for processing an amount to be increased based on order information in this embodiment further includes:
s108, obtaining historical consumption characteristics of the user corresponding to the current order information;
s109, determining the amount to be increased in a weighting mode by taking different historical consumption characteristics of the user as different weighting coefficients;
and S110, outputting the amount to be increased so as to perform the amount increasing processing according to the amount to be increased.
In a specific implementation, after the quota result is determined, a specific quota amount is further determined usually. The amount of the credit calculated in the above steps needs to be larger than the difference between the current available amount of the user and the current order amount to ensure that the user successfully places the order, and further, for the low-risk user who is ordering, the amount of the credit may exceed the difference, so as to satisfy other consumption requirements before the credit is updated.
It should be noted that steps S108 to 109 may exist in the whole process of the method for processing an amount based on order information according to the present embodiment, but step S110 is executed only after determining that the amount is to be increased.
Example 3
As shown in fig. 3, in the present embodiment, an order information-based rate processing system is disclosed, which can use the order information-based rate processing method provided in embodiment 1 or embodiment 2, and the order information-based rate processing system includes:
the first obtaining module 1 is configured to obtain the scenario information of the current order information and the rate-increasing policy of the product line corresponding to the scenario information.
In specific implementation, the scenario information of the current order information is information that may have an actual influence on the quotation result, including but not limited to a product purchased by the current order, a product line to which the product belongs, whether the current order relates to risk factors related to cash register, and a current economic situation.
In addition, the weighting factors of the rate-increase risk characteristics in the rate-increase policies of the respective product lines are different from each other, and the specific weighting factor depends on the scenario information. For example, if an air ticket and a hotel product are included in a travel order, it may be determined that the travel order belongs to an air ticket product line and a hotel product line, and then the rate-increasing policies corresponding to the two types of products are obtained, and meanwhile, it may also be considered whether the purpose of the travel order belongs to a business trip or an individual trip, whether the order-placing time is in a slack season or an open season, and the like.
And the quota result determining module 2 is used for determining a quota result based on the scenario information of the current order information and a quota strategy.
The module is specifically configured to: presetting a rate-increasing risk threshold, calculating a rate-increasing risk value, if the obtained rate-increasing risk value exceeds the rate-increasing risk threshold, indicating that the rate-increasing risk of the current order is higher, and determining that the rate-increasing result is that no rate increase is performed; otherwise, if the value of the obtained rate-increasing result is lower than the rate-increasing risk threshold, it indicates that the rate-increasing risk of the current order is low, and the rate-increasing result is determined as the rate increase. The calculation of the quotation risk value is obtained by extracting information related to the quotation strategy in the scenario information, processing the information into corresponding weighting coefficients and inputting the weighting coefficients into the quotation strategy.
And the quota result output module 3 is used for outputting a quota result so as to carry out quota processing according to the quota result.
Specifically, the quota result output module 3 may be configured to output a quota result to the server, so as to perform quota improvement processing according to the result, and display a final result at the user terminal. The method comprises the following steps that an amount-increasing result specifically comprises two conditions, if the amount-increasing processing is carried out, a credit line payment mode is displayed for a user, and the user is prompted to increase the amount temporarily; if the credit is not processed, the payment method of the credit limit is not displayed, but the normal insufficient limit flow is directly entered.
Example 4
The order information-based rate-increase processing system of the present embodiment is a further improvement on the basis of embodiment 3.
As shown in fig. 4, the system for processing an amount to be increased based on order information in the present embodiment further includes:
the second obtaining module 4 is used for obtaining the order amount of the current order; and when the available amount of the user is smaller than the order amount of the current order, calling the first acquisition module 1.
Specifically, before the rate-increasing result is determined, it may be determined whether the amount of the current order exceeds the current available amount of the user, and only when the available amount of the user is smaller than the amount of the order, that is, the credit amount is not enough to cover the consumption demand of the user, the payment information is transmitted to the wind-control rate-increasing decision point for rate-increasing evaluation, so that by calling the second obtaining module 4, time and resources may be saved, and efficiency may be improved.
Preferably, in this embodiment, the first obtaining module 1 in embodiment 3 is configured to:
screening out historical rating risk characteristics of the product line based on historical order data of the product line corresponding to the scenario information of the current order information, wherein the rating risk characteristics are used for representing the risk degree of rating the order belonging to the product line;
and generating a rate-increasing strategy of the product line corresponding to the current order information according to the historical rate-increasing risk characteristics.
In the specific implementation process, each product line comprises a large amount of historical order data, data cleaning and transformation are carried out on orders which are paid by using a credit line, historical rate-raising risk characteristics of order information of each product line can be summarized, and therefore the risk degree of the orders is distinguished according to the screened historical rate-raising risk characteristics.
The historical rate-raising risk characteristics comprise positive characteristics and negative characteristics, wherein the positive characteristics are used for representing that the rate-raising risk degree of the order is low, and the negative characteristics are used for representing that the rate-raising risk degree of the order is high. Still taking the above travel orders including airline tickets and hotel products as an example, wherein the forward characteristics may include that the order belongs to a reimburseable business order, is currently in a travel season, etc.; meanwhile, the negative characteristics may include that the ratio of the total amount of the order amount occupying the user credit line is greater than a threshold value, the user credit score is low, and the like.
In addition, the module can be used for carrying out risk simulation test on the generated quota raising strategy so as to continuously improve the risk judgment accuracy of the quota raising strategy.
As a preferred embodiment, the quota result determining module 2 is configured to:
screening out corresponding current quota-increasing risk characteristics in the scene information of the current order;
and determining a rate-increasing result based on the current rate-increasing risk characteristic and the rate-increasing strategy of the product line corresponding to the current order information.
The current offer risk characteristics may be filtered based on the already summarized historical offer risk characteristics, in other words, the current offer characteristics may be various characteristics associated with the historical offer risk characteristics in the corresponding offer policy in the context information of the current order information. In particular, the current offer risk characteristics may be from current order data, login data of the current user, browsing data of the current user, historical consumption data of the current user, and credit score of the current user.
Preferably, the rate-increasing strategy is a weighted rate-increasing strategy;
in this embodiment, the quota result determination module 2 is configured to:
and determining the quota increasing result in a weighting quota increasing strategy mode by taking different current quota risk characteristics as different weighting coefficients.
In the specific implementation process, the quota result needs to be calculated in a weighting manner, and correspondingly, the calculated quota result is a numerical value. Firstly, based on the processing of historical data, generating the weight of each historical quotation risk characteristic in a quotation strategy; secondly, the screened current quota risk characteristics are also converted into corresponding coefficients, and the coefficients are input into a quota raising strategy; finally, a value for determining the rate-increasing result is obtained in a weighting mode and is compared with a preset threshold value to determine a final rate-increasing result.
As a preferred implementation manner, the system for processing an amount to be increased based on order information in this embodiment further includes:
the third obtaining module 5 is used for obtaining the user historical consumption characteristics corresponding to the current order information;
the amount-increased determining module 6 is used for determining the amount of the increased amount in a weighting mode by taking different historical consumption characteristics of the user as different weighting coefficients;
and the amount-increased output module 7 is used for outputting the amount of increased money so as to carry out amount-increased processing according to the amount of increased money.
In a specific implementation, after the quota result is determined, a specific quota amount is further determined usually. Firstly, the amount of the mentioned above needs to be larger than the difference between the current available amount of the user and the current order amount to ensure the successful order placing of the user, furthermore, for the low risk user who is ordering, the mentioned amount of the mentioned above can also be exceeded, so as to meet other consumption requirements before the credit line is updated.
It should be noted that the third acquiring module 5 and the amount-of-increase determining module 6 may be called throughout the entire process of the amount-of-increase processing method based on order information of the present embodiment, but the amount-of-increase outputting module 7 is called only after the amount-of-increase result is determined to be an increase.
Example 5
Fig. 5 is a schematic structural diagram of an electronic device provided in this embodiment. The electronic device includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and the processor implements the method for processing an amount based on order information in embodiment 1 or embodiment 2 when executing the program. The electronic device 30 shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiment of the present invention.
As shown in fig. 5, electronic device 30 may take the form of a general purpose computing device. The components of the electronic device 30 may include, but are not limited to: the at least one processor 31, the at least one memory 32, and a bus 33 connecting the various system components (including the memory 32 and the processor 31).
The bus 33 includes a data bus, an address bus, and a control bus.
The memory 32 may include volatile memory, such as Random Access Memory (RAM)321 and/or cache memory 322, and may further include Read Only Memory (ROM) 323.
The processor 31 executes various functional applications and data processing, such as the method of processing an offer based on order information in embodiment 1 or embodiment 2 of the present invention, by running the computer program stored in the memory 32.
The electronic device 30 may also communicate with one or more external devices 34, such as a cell phone. Such communication may be through input/output (I/O) interfaces 35. Also, model-generating device 30 may also communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the Internet) via network adapter 36. As shown in FIG. 5, network adapter 36 communicates with the other modules of model-generating device 30 via bus 33. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the model-generating device 30, including but not limited to: microcode, device drivers, redundant processors, external disk drive arrays, RAID (disk array) systems, tape drives, and data backup storage systems, etc.
It should be noted that although in the above detailed description several units/modules or sub-units/modules of the electronic device are mentioned, such a division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the units/modules described above may be embodied in one unit/module according to embodiments of the invention. Conversely, the features and functions of one unit/module described above may be further divided into embodiments by a plurality of units/modules.
Example 6
The present embodiment provides a computer-readable storage medium on which a computer program is stored, the program, when executed by a processor, implementing the steps in the order information-based rate increase processing method in embodiment 1 or embodiment 2.
More specific examples, among others, that the readable storage medium may employ may include, but are not limited to: a portable disk, a hard disk, random access memory, read only memory, erasable programmable read only memory, optical storage device, magnetic storage device, or any suitable combination of the foregoing.
In a possible embodiment, the present invention may also be implemented in the form of a program product including program code for causing a terminal device to execute steps in implementing the order information-based rate-increase processing method in embodiment 1 or embodiment 2 when the program product is run on the terminal device.
Where program code for carrying out the invention is written in any combination of one or more programming languages, the program code may execute entirely on the user device, partly on the user device, as a stand-alone software package, partly on the user device and partly on a remote device or entirely on the remote device.
While specific embodiments of the invention have been described above, it will be appreciated by those skilled in the art that this is by way of example only, and that the scope of the invention is defined by the appended claims. Various changes and modifications to these embodiments may be made by those skilled in the art without departing from the spirit and scope of the invention, and these changes and modifications are within the scope of the invention.
Claims (14)
1. A method for processing an amount to be increased based on order information comprises the following steps:
acquiring scene information of current order information and a rate-increasing strategy of a product line corresponding to the scene information;
determining an amount increasing result based on the scene information of the current order information and the amount increasing strategy;
and outputting the quota improving result so as to carry out quota improving processing according to the quota improving result.
2. The method for processing the amount of increase of the order information according to claim 1, wherein the method further comprises:
obtaining the order amount of the current order;
and when the available amount of the user is smaller than the order amount of the current order, acquiring the scene information of the current order information and the rate-increasing strategy of the product line corresponding to the scene information.
3. The method of claim 1, wherein the step of obtaining the rate-raising policy of the current order comprises:
screening out historical rating risk characteristics of the product line based on historical order data of the product line corresponding to the scenario information of the current order information, wherein the rating risk characteristics are used for representing the risk degree of rating the order belonging to the product line;
and generating a rate-lifting strategy of the product line corresponding to the current order information according to the historical rate-lifting risk characteristics.
4. The method of claim 3, wherein the step of determining the amount-increasing result based on the scenario information of the current order and the amount-increasing policy comprises:
screening out corresponding current quota-increasing risk characteristics in the scene information of the current order;
and determining a rate-increasing result based on the current pre-rate risk characteristic and a rate-increasing strategy of the product line corresponding to the current order information.
5. The method of claim 4, wherein the rate-raising policy is a weighted rate-raising policy;
the step of determining the rate-lifting result based on the current pre-rate risk characteristic and the rate-lifting strategy of the product line corresponding to the current order information includes:
and determining the quota increasing result in a weighting quota increasing strategy mode by taking different current quota risk characteristics as different weighting coefficients.
6. The method of claim 1, wherein the method further comprises:
acquiring historical consumption characteristics of a user corresponding to current order information;
determining the amount of the increased amount in a weighting mode by taking different historical consumption characteristics of the user as different weighting coefficients;
and outputting the amount to perform the amount-increasing processing according to the amount.
7. An order information-based rate-increase processing system, comprising:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring scene information of current order information and a rate-increasing strategy of a product line corresponding to the scene information;
the quota result determining module is used for determining a quota result based on the scene information of the current order information and the quota strategy;
and the quota result output module is used for outputting the quota result so as to carry out quota processing according to the quota result.
8. The order information-based lift processing system of claim 7, further comprising:
the second acquisition module is used for acquiring the order amount of the current order;
and when the available amount of the user is smaller than the order amount of the current order, calling the first acquisition module.
9. The order information-based referral system of claim 7 wherein the first obtaining module is configured to:
screening out historical rating risk characteristics of the product line based on historical order data of the product line corresponding to the scenario information of the current order information, wherein the rating risk characteristics are used for representing the risk degree of rating the order belonging to the product line;
and generating a rate-lifting strategy of the product line corresponding to the current order information according to the historical rate-lifting risk characteristics.
10. The system of claim 7, wherein the referral result determination module is configured to:
screening out corresponding current quota-increasing risk characteristics in the scene information of the current order;
and determining a rate-increasing result based on the current pre-rate risk characteristic and a rate-increasing strategy of the product line corresponding to the current order information.
11. The order information-based rate processing system of claim 10, wherein the rate-increasing policy is a weighted rate-increasing policy;
the quota result determination module is configured to:
and determining the quota increasing result in a weighting quota increasing strategy mode by taking different current quota risk characteristics as different weighting coefficients.
12. The order information-based lift processing system of claim 7, further comprising:
the third acquisition module is used for acquiring the historical consumption characteristics of the user corresponding to the current order information;
the system comprises a quota amount determining module, a quota amount determining module and a quota amount determining module, wherein the quota amount determining module is used for determining a quota amount in a weighting mode by taking different historical consumption characteristics of a user as different weighting coefficients;
and the quota amount output module is used for outputting the quota amount so as to carry out quota processing according to the quota amount.
13. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of processing an order information based offer according to any of claims 1-6 when executing the computer program.
14. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the method for processing an amount based on order information according to any one of claims 1 to 6.
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