CN114331670B - Method, device, computer equipment and storage medium for determining fund scheduling scheme - Google Patents
Method, device, computer equipment and storage medium for determining fund scheduling scheme Download PDFInfo
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Abstract
The application relates to a method, a device, a computer device and a storage medium for determining a fund scheduling scheme. The method comprises the following steps: receiving a fund scheduling instruction, wherein the fund scheduling instruction comprises a scheduling time range; acquiring target service configuration parameters corresponding to a scheduling time range and target constraint conditions of a plurality of fund scheduling indexes, wherein the target service configuration parameters comprise fund amount, interest rate and cash release success rate of each fund party accessed by a service platform, and the plurality of fund scheduling indexes comprise scheduling fund cost of the service platform, platform cash release success rate and platform cash release timeliness; and determining a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and the target constraint conditions of the fund scheduling indexes, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range. By adopting the method, the efficiency and the accuracy of fund scheduling can be improved.
Description
Technical Field
The present invention relates to the field of financial services, and in particular, to a method and apparatus for determining a funds scheduling scheme, a computer device, and a storage medium.
Background
With the vigorous development of the internet technology, the internet financial industry is also prospering. At present, with the development of internet financial services, on one hand, the number of financial institutions at the fund end is continuously increased, the admission conditions are also more and more increased, and on the other hand, factors such as customer group preference at the asset end are also more and more diversified, however, the existing internet financial enterprises generally adopt a manual method to carry out fund scheduling, and more maintenance manpower is required to be input, so that the manpower cost is high, the efficiency is low, and meanwhile, the obtained fund scheduling scheme is greatly influenced by artificial subjective factors and is inaccurate.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a method, apparatus, computer device, and storage medium for determining a funds scheduling scheme that can improve efficiency and accuracy.
A first aspect of the present application provides a method of determining a funds scheduling scheme, the method comprising:
receiving a fund scheduling instruction, wherein the fund scheduling instruction comprises a scheduling time range;
acquiring target service configuration parameters corresponding to a scheduling time range and target constraint conditions of a plurality of fund scheduling indexes, wherein the target service configuration parameters comprise fund amount, interest rate and cash release success rate of each fund party accessed by a service platform, and the plurality of fund scheduling indexes comprise scheduling fund cost of the service platform, platform cash release success rate and platform cash release timeliness;
and determining a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and the target constraint conditions of the fund scheduling indexes, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range.
In some embodiments, when the scheduling time range is the same day, obtaining the target service configuration parameter corresponding to the scheduling time range and the target constraint condition of the plurality of funds scheduling indexes includes:
monitoring the paying-off condition of the service platform in real time to obtain the latest paying-off monitoring data;
obtaining the latest service configuration parameters according to the latest money release monitoring data, and taking the latest service configuration parameters as target service configuration parameters; the method comprises the steps of,
and acquiring the latest constraint conditions of the plurality of fund scheduling indexes as target constraint conditions.
In some embodiments, obtaining the latest service configuration parameters from the latest payment monitoring data includes:
obtaining current service configuration parameters and current values of a plurality of fund scheduling indexes according to the latest money release monitoring data;
when the current service configuration parameters and/or the current values of the plurality of fund scheduling indexes trigger preset early warning conditions, the service configuration parameters are adjusted so that the adjusted service configuration parameters and/or the values of the plurality of fund scheduling indexes do not trigger the early warning conditions;
and taking the adjusted service configuration parameters as the latest service configuration parameters.
In some embodiments, when the current service configuration parameter and/or the current values of the plurality of funds scheduling indicators trigger the preset pre-warning condition, the method further comprises:
an exception alert notification is sent and/or a previously determined first funds scheduling scheme and/or second funds scheduling scheme is performed.
In some embodiments, the method further comprises:
acquiring product duty ratio information of a service platform, wherein the product duty ratio information is a proportional relation between available fund limits corresponding to each product in the service platform;
and obtaining a second fund scheduling scheme according to the product duty ratio information and the first fund scheduling scheme, wherein the second fund scheduling scheme comprises available fund amounts corresponding to each product in each fund party in a scheduling time range.
In some embodiments, the method further comprises:
receiving a fund application request sent by a user, wherein the fund application request comprises user identity information and fund demand information;
and distributing the user to the target fund party according to the user identity information, the fund demand information and the second fund scheduling scheme so as to enable the target fund party to provide services for the user.
A second aspect of the present application provides a funds management system, the system comprising:
the intelligent funds scheduling system is used for responding to funds scheduling instructions containing a scheduling time range and generating a target funds scheduling scheme through an AI algorithm according to target service configuration parameters corresponding to the scheduling time range and target constraint conditions of a plurality of funds scheduling indexes;
the user routing decision system is used for receiving a fund application request sent by a user, wherein the fund application request comprises user identity information and fund demand information; distributing the user to a target fund party according to the user identity information, the fund demand information and the target fund scheduling scheme so as to enable the target fund party to pay money to the user;
the fund data monitoring system is used for receiving the set values of the target service configuration parameters and the target constraint conditions, and monitoring the paying-off condition of the service platform in real time so as to acquire the latest paying-off monitoring data;
the fund intelligent scheduling system is connected with the user routing decision system, and the fund data monitoring system is respectively connected with the fund intelligent scheduling system and the user routing decision system.
A third aspect of the present application provides an apparatus for determining a funds scheduling scheme, the apparatus comprising:
the fund scheduling instruction receiving module is used for receiving a fund scheduling instruction, wherein the fund scheduling instruction comprises a scheduling time range;
the system comprises a scheduling configuration data acquisition module, a scheduling configuration data processing module and a scheduling data processing module, wherein the scheduling configuration data acquisition module is used for acquiring target service configuration parameters corresponding to a scheduling time range and target constraint conditions of a plurality of fund scheduling indexes, the target service configuration parameters comprise fund amount, interest rate and payment success rate of each fund party accessed by a service platform, and the plurality of fund scheduling indexes comprise scheduling fund cost of the service platform, platform payment success rate and platform payment timeliness;
and the fund scheduling scheme determining module is used for determining a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and the target constraint conditions of each fund scheduling index, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range.
A fourth aspect of the present application provides a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of any of the embodiments of the method described above when executing the computer program.
A fifth aspect of the present application provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of an embodiment of any of the methods described above.
According to the determining method, the determining device, the computer equipment and the storage medium of the fund scheduling scheme, the service platform can automatically acquire corresponding target service configuration parameters and target constraint conditions of a plurality of fund scheduling indexes according to the scheduling time range contained in the fund scheduling instruction, wherein the target service configuration parameters can comprise fund limit, interest rate and cash discharge success rate of each fund party accessed by the service platform, and the plurality of fund scheduling indexes can comprise the scheduling fund cost of the service platform, the platform cash discharge success rate and platform cash discharge timeliness; and then the service platform determines a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and the target constraint conditions of the fund scheduling indexes, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range. The whole process is automatically completed by the service platform without human participation, so that the human cost is reduced, and the efficiency and the accuracy of fund scheduling are provided.
Drawings
FIG. 1 is an application environment diagram of a method of determining a funds scheduling scheme in one embodiment;
FIG. 2 is a flow diagram of a method of determining a funds scheduling scheme in one embodiment;
FIG. 3 is a flow chart illustrating a schedule configuration data retrieval step in one embodiment;
FIG. 4 is a flowchart illustrating a procedure for obtaining the latest service configuration parameters in one embodiment;
FIG. 5 is a flow chart of a method of determining a funds scheduling scheme in another embodiment;
FIG. 6 is a block diagram of the funds management system in one embodiment;
FIG. 7 is a block diagram of the apparatus for determining a funds scheduling scheme in one embodiment;
fig. 8 is an internal structural diagram of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
Example 1
The method for determining the fund scheduling scheme can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the service platform 104 over a network, and the service platform 104 communicates with a plurality of parties 106 (i.e., institutions with which the service platform 104 cooperates, such as banks, etc.) over the network. In response to the received funds scheduling instruction, the service platform 104 may obtain corresponding scheduling configuration data according to the funds scheduling instruction, and then determine a funds scheduling scheme according to the scheduling configuration data. In the practical application process, the user sends a fund application request to the service platform 104 through the terminal 102, and the service platform 104 may allocate the user to the target fund party according to the fund application request and the current fund scheduling scheme, so that the target fund party provides services for the user, for example: the user may borrow funds from the party via the service platform 104. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smartphones, tablet computers, and portable wearable devices, and the service platform 104 and each funding party 106 may be implemented by a separate server or a server cluster composed of a plurality of servers.
In this embodiment, a method for determining a fund scheduling scheme is provided, as shown in fig. 2, and the method is applied to the service platform in fig. 1 for illustration, and includes the following steps:
step 100, receiving a fund scheduling instruction, wherein the fund scheduling instruction comprises a scheduling time range.
The fund scheduling instruction can be preset, then automatically sent to the service platform according to the set time, and also can be temporarily sent to the service platform according to actual needs.
Specifically, the service platform receives a fund scheduling instruction, wherein the fund scheduling instruction comprises a scheduling time range, and the fund scheduling instruction is used for indicating the service platform to start fund scheduling.
Step 200, obtaining target service configuration parameters corresponding to the scheduling time range and target constraint conditions of a plurality of fund scheduling indexes.
The target service configuration parameters may include a fund amount, a interest rate and a cash deposit success rate of each fund party accessed by the service platform, and the plurality of fund deposit indexes may include a deposit fund cost of the service platform, a platform cash deposit success rate and a platform cash deposit timeliness.
In an actual application scenario, the fund party can be a funding mechanism (such as a bank) cooperated with the service platform, and the funding end of the service platform comprises all cooperated mechanisms; the amount of funds provided to the service platform by a party is fixed over a range of times (e.g., a quarter, a month, or a year, etc.), the interest rate charged for the amount is also fixed, and the interest rate charged by each party is typically different, e.g., 8 for bank a and 10 for bank B; the fund-releasing success rate of the fund party can be the overall fund-releasing success rate obtained according to the historical fund-releasing record of the fund party. Because each fund party is charged with interest, the profit of the service platform is the profit obtained from the user minus the interest charged by the fund party, where the interest paid by the service platform to all fund parties is taken as a scheduling fund cost; the platform cash-out success rate is the overall cash-out success rate of the service platform; the time of the paying is from the date of the user applying for the loan to the date of the user taking the money, for example, three days are spent from the date of the user applying for the loan to the date of the user taking the money, then the time of the paying is three days, and the time of the flat paying is the average time of the paying of the service flat. The specific values of the platform cash deposit success rate and the platform cash deposit timeliness can be calculated based on the cash deposit success rate and the platform cash deposit timeliness of all funds application transactions processed by the service platform within the scheduling time range; the target constraint conditions of the schedule fund cost, the platform cash success rate and the platform cash aging may be constraint thresholds of the schedule fund cost, the platform cash success rate and the platform cash aging, for example, the schedule fund cost must not exceed the fund cost threshold, the platform cash success rate must not be lower than the cash success rate threshold, and the platform cash aging must not be lower than the cash aging threshold.
Specifically, the service platform obtains the target service configuration parameters corresponding to the scheduling time range, in some embodiments, the target service configuration parameters are stored in the service database, the service platform firstly invokes the target service configuration parameters from the service database, when the target service configuration parameters do not exist in the service database, the service platform does not perform fund scheduling, and when the target service configuration parameters exist in the service database, the service platform can obtain target constraint conditions of a plurality of fund scheduling indexes.
And 300, determining a first fund scheduling scheme of the scheduling time range according to the target business configuration parameters and the target constraint conditions of each fund scheduling index, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range.
Specifically, the service platform may invoke an AI algorithm to calculate an optimal solution for the fund scheduling according to the target service configuration parameter and the target constraint condition of each fund scheduling index, and determine the optimal solution as a first fund scheduling scheme within the scheduling time range.
The AI algorithm can calculate indexes such as the fund arranging cost, the platform fund arranging success rate, the platform fund arranging aging and the like of the service platform when the preset fund arranging scheme is adopted according to the fund amount, the interest rate and the fund arranging success rate of each fund party in a preset fund arranging scheme and target service configuration parameters, and when the indexes meet corresponding target constraint conditions, the corresponding fund arranging cost is the lowest, the platform fund arranging success rate is high, and the fund arranging scheme with high platform fund arranging aging is the optimal solution of the fund arranging.
In a specific implementation process, the AI algorithm may be one or more of decision tree, random forest algorithm, logistic regression, SVM, naive bayes, K nearest neighbor algorithm, K mean algorithm, neural network, markov algorithm, and the like.
In the above method for determining a fund arrangement scheme, the service platform may automatically obtain, according to an arrangement time range included in the fund arrangement instruction, a corresponding target service configuration parameter and target constraint conditions of a plurality of fund arrangement indexes, where the target service configuration parameter may include a fund amount, a interest rate, and a payment success rate of each fund party accessed by the service platform, and the plurality of fund arrangement indexes may include an arrangement fund cost, a platform payment success rate, and a platform payment timeliness of the service platform; and then the service platform determines a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and the target constraint conditions of the fund scheduling indexes, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range. The whole process is automatically completed by the service platform without human participation, so that the human cost is reduced, and the efficiency and the accuracy of fund scheduling are provided.
Example two
Based on the above-described first embodiment, in this embodiment, the method of determining the fund arrangement plan will be described in detail taking the arrangement time range as an example of the day.
In some embodiments, step 200, as shown in fig. 3, includes the steps of:
step 202, monitoring the paying-out condition of the service platform in real time to obtain the latest paying-out monitoring data.
The paying-out condition may include a condition that each fund party in the service platform pays out money to the user, that is, each completed transaction order in the service platform; the money release monitoring data can be understood as data such as money release amount, whether money is successfully released, actual money release time and the like in all completed transaction orders.
And 204, obtaining the latest service configuration parameters according to the latest money release monitoring data, and taking the latest service configuration parameters as target service configuration parameters.
Specifically, the current service configuration parameters may be updated according to the latest payment monitoring data, and the latest service configuration parameters are used as target service configuration parameters.
In some embodiments, because the fund amount of the fund party to the service platform is fixed, and as the fund party is continually paid to the user, the fund amount of the fund party available to the service platform is continually reduced over time, the service platform needs to update the available fund amount of the fund party in time in order to provide funds to the user more accurately. Thus, to update data in time, step 204 may include:
detecting whether a trade order is established or not, and acquiring data of the to-be-paid order when the trade order is detected to be established.
The to-be-paid order is determined by the user, the fund party matched with the user and the payment amount, but the fund party does not pay the transaction order of the payment to the user yet, that is, the to-be-paid order belongs to an unfinished transaction order.
And calculating according to the data of the trade order to obtain the estimated available fund limit corresponding to the fund party matched by the user, and storing the estimated available fund limit in a preset intermediate database, wherein the estimated available fund limit is the available fund limit of the fund party obtained by the pre-calculation after the successful payment of the user in the fund direction (namely, the trade order is completed).
When the transaction order is detected to be completed, the estimated available funds amount calculated previously is set as the available funds amount of the corresponding funds party.
Step 206, obtaining the latest constraint condition of a plurality of funds scheduling indexes as a target constraint condition.
Wherein, the constraint condition of each fund scheduling index may be modified as time goes by, so that the latest constraint condition of a plurality of fund scheduling indexes is obtained as a target constraint condition, that is, the target constraint condition is updated in time.
In the embodiment, the constraint conditions of the service configuration parameters and the fund scheduling indexes can be updated in time by monitoring the payment data, and the fund scheduling scheme is determined according to the latest constraint conditions of the service configuration parameters and the fund scheduling indexes, so that the fund scheduling scheme can be changed in time, and the timeliness and the accuracy of the fund scheduling scheme are ensured.
In some embodiments, as shown in fig. 4, the obtaining the latest service configuration parameters according to the latest payment monitoring data in step 204 may further include the following steps:
step 2042, obtaining current service configuration parameters and current values of a plurality of funds scheduling indicators according to the latest money release monitoring data.
Step 2044, when the current service configuration parameter and/or the current value of the plurality of funds scheduling indicators trigger the preset pre-warning condition, adjusting the service configuration parameter so that the adjusted service configuration parameter and/or the value of the plurality of funds scheduling indicators do not trigger the pre-warning condition.
The early warning condition may be a threshold range, and the early warning condition is triggered if the current service configuration parameter and/or the current values of the plurality of funds scheduling indexes exceed the threshold range.
And 2046, taking the adjusted service configuration parameters as the latest service configuration parameters.
In the above embodiment, early warning monitoring of the service configuration parameters and the plurality of funds scheduling indexes can be achieved by monitoring funds release variation, and when early warning is triggered, the service configuration parameters are adjusted so that the adjusted service configuration parameters and/or the values of the plurality of funds scheduling indexes do not trigger early warning conditions, and then the adjusted service configuration parameters are used as the latest service configuration parameters, so that the funds scheduling scheme can be optimized in time.
In some embodiments, when the current service configuration parameter and/or the current values of the plurality of funds scheduling indicators trigger the preset pre-warning condition, the method further comprises: and sending an abnormal alarm notice and/or executing the first funds scheduling scheme determined before so as to ensure the correctness of the funds scheduling scheme.
In practical application, a fund data monitoring system independent of the service platform can be set to execute the steps 202-206 and the steps 2042-2046, and the fund data monitoring system is independent of the service platform and does not block the service platform.
Example III
Based on the first and second embodiments, as shown in fig. 5, the present embodiment provides a method for determining a fund scheduling scheme, which includes:
step 402, receiving a fund scheduling instruction, where the fund scheduling instruction includes a scheduling time range.
Step 404, obtaining target service configuration parameters corresponding to the scheduling time range and target constraint conditions of a plurality of fund scheduling indexes.
Step 406, determining a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and the target constraint conditions of the fund scheduling indexes, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range.
For the description of the steps 402 to 406, please refer to the contents of the steps 100 to 300 in the first embodiment and the second embodiment, and the description thereof is omitted herein.
Step 408, obtaining product duty ratio information of the service platform, where the product duty ratio information is a proportional relationship between available funds corresponding to each product in the service platform.
The service platform can provide a plurality of different financial products for users, the available fund amounts corresponding to the financial products are different, and the product duty ratio information is the proportional relation between the available fund amounts corresponding to each product in the service platform.
Step 410, obtaining a second fund scheduling scheme according to the product duty ratio information and the first fund scheduling scheme, wherein the second fund scheduling scheme comprises available fund amounts corresponding to each product in each fund party in the scheduling time range.
In some embodiments, when the current service configuration parameter and/or the current values of the plurality of funds scheduling indicators trigger the preset pre-warning condition, the method further comprises: an exception alert notification is sent and/or a previously determined first funds scheduling scheme and/or second funds scheduling scheme is performed.
In some embodiments, the method further comprises: receiving a fund application request sent by a user, wherein the fund application request comprises user identity information and fund demand information; and distributing the user to the target fund party according to the user identity information, the fund demand information and the second fund scheduling scheme so as to enable the target fund party to provide services for the user.
According to the method provided by the embodiment, the product duty ratio information can be further refined on the basis of the first fund scheduling scheme, so that the second fund scheduling scheme containing the available fund amount corresponding to each fund party in the scheduling time range of each product is obtained, and the service platform is more convenient to use.
It should be understood that, although the steps in the flowcharts of fig. 2-5 are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in fig. 2-5 may include multiple sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, nor do the order in which the sub-steps or stages are performed necessarily occur sequentially, but may be performed alternately or alternately with at least a portion of the sub-steps or stages of other steps or steps.
Example IV
This embodiment provides a funds management system, as shown in fig. 6, comprising:
the intelligent funds scheduling system 110 is configured to generate, in response to a funds scheduling instruction including a scheduling time range, a target funds scheduling scheme according to target service configuration parameters corresponding to the scheduling time range and target constraints of a plurality of funds scheduling indicators through an AI algorithm.
The target service configuration parameters comprise the fund amount, the interest rate and the paying-off success rate of each fund party accessed by the service platform, and the plurality of fund arranging indexes comprise arranging fund cost of the service platform, platform paying-off success rate and platform paying-off timeliness; the target funds scheduling scheme may be an optimal funds scheduling scheme obtained through an AI algorithm, that is, the values of the multiple funds scheduling indexes are most in line with the benefits of the service platform.
The user routing decision system 120 is configured to receive a fund application request sent by a user, where the fund application request includes user identity information and fund requirement information; and distributing the user to the target fund party according to the user identity information, the fund demand information and the target fund scheduling scheme so as to enable the target fund party to pay the user.
The target funding party is usually the most suitable funding party, that is, the funding party with the highest success rate of the money release and/or the best time-efficient of the money release for the user. The subscriber routing decision system 120 may match the most appropriate funding party for the subscriber at the first time, and when a special situation occurs, or when a single funding party is problematic, the subscriber routing decision system may instruct the subscriber to be routed fixedly to a certain funding party or decide which funding party to assign the subscriber to according to some preset processing logic.
And the fund data monitoring system 130 is used for receiving the set values of the target service configuration parameters and the target constraint conditions and monitoring the paying-off condition of the service platform in real time so as to acquire the latest paying-off monitoring data.
The fund intelligent scheduling system is connected with the user routing decision system, and the fund data monitoring system is respectively connected with the fund intelligent scheduling system and the user routing decision system and serves the fund intelligent scheduling system and the user routing decision system.
In this embodiment, the funds management system includes an intelligent funds scheduling system, a user routing decision system and a funds data monitoring system, where the intelligent funds scheduling system can generate an optimal funds scheduling according to the funds amount, interest rate and cash-out success rate of each fund party accessed by the service platform in the scheduling time range through an AI algorithm, and under the condition of meeting the target constraint conditions of the scheduling funds cost of the service platform, the platform cash-out success rate and the platform cash-out timeliness, to implement intelligent funds scheduling; then, the user routing decision system can distribute the user to the most suitable fund party according to the user identity information, the fund demand information and the fund scheduling scheme generated by the fund intelligent scheduling system, and the fund data monitoring system can monitor the data of the whole link between the fund intelligent scheduling system and the user routing decision system. The fund management system can avoid the influence of subjective judgment factors possibly existing during manual fund arrangement, and can monitor fund release change and various indexes in real time, so that a fund arrangement scheme is changed in time, and the operation cost of a service platform is reduced.
Example five
In one embodiment, as shown in FIG. 7, there is provided a funds scheduling scheme determining apparatus, the apparatus comprising:
the fund scheduling instruction receiving module 210 is configured to receive a fund scheduling instruction, where the fund scheduling instruction includes a scheduling time range;
the scheduling configuration data obtaining module 220 is configured to obtain a target service configuration parameter corresponding to a scheduling time range and target constraint conditions of a plurality of fund scheduling indexes, where the target service configuration parameter includes a fund amount, a interest rate and a payment success rate of each fund party accessed by the service platform, and the plurality of fund scheduling indexes include a scheduling fund cost of the service platform, a platform payment success rate and a platform payment timeliness;
the fund scheduling scheme determining module 230 is configured to determine a first fund scheduling scheme of the scheduling time range according to the target service configuration parameter and the target constraint condition of each fund scheduling index, where the first fund scheduling scheme includes an available fund amount corresponding to each fund party in the scheduling time range.
In some embodiments, the schedule configuration data acquisition module 220, when the schedule time frame is the day, includes:
and the cash discharge data monitoring unit is used for monitoring the cash discharge condition of the service platform in real time so as to acquire the latest cash discharge monitoring data.
The target service configuration parameter acquisition unit is used for acquiring the latest service configuration parameters according to the latest money release monitoring data, and taking the latest service configuration parameters as target service configuration parameters; the method comprises the steps of,
and the target constraint condition acquisition unit is used for acquiring the latest constraint conditions of the plurality of fund scheduling indexes as target constraint conditions.
In some embodiments, the target service configuration parameter obtaining unit is specifically configured to obtain a current service configuration parameter and current values of a plurality of funds scheduling indexes according to the latest payment monitoring data; when the current service configuration parameters and/or the current values of the plurality of fund scheduling indexes trigger preset early warning conditions, the service configuration parameters are adjusted so that the adjusted service configuration parameters and/or the values of the plurality of fund scheduling indexes do not trigger the early warning conditions; and taking the adjusted service configuration parameters as the latest service configuration parameters.
In some embodiments, the apparatus further comprises: the system comprises an alarm module, an execution module and a control module, wherein the alarm module is used for sending an abnormal alarm notification when the current business configuration parameters and/or the current values of the multiple fund scheduling indexes trigger preset early warning conditions, and/or the execution module is used for executing a first fund scheduling scheme and/or a second fund scheduling scheme determined before when the current business configuration parameters and/or the current values of the multiple fund scheduling indexes trigger the preset early warning conditions.
In some embodiments, the apparatus further comprises:
the product duty ratio information acquisition module is used for acquiring product duty ratio information of the service platform, wherein the product duty ratio information is a proportional relation between available fund limits corresponding to each product in the service platform;
and the second fund scheduling scheme acquisition module is used for acquiring a second fund scheduling scheme according to the product duty ratio information and the first fund scheduling scheme, wherein the second fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range of each product.
In some embodiments, the apparatus further comprises:
the fund application request receiving module is used for receiving a fund application request sent by a user, wherein the fund application request comprises user identity information and fund demand information;
and the user allocation module is used for allocating the user to the target fund party according to the user identity information, the fund demand information and the second fund scheduling scheme so as to enable the target fund party to provide services for the user.
For a specific definition of the determination means of the fund arrangement, reference may be made to the definition of the determination method of the fund arrangement hereinabove, and no further description is given here. The respective modules in the above-described fund arrangement determination apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
Example six
In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 8. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The network interface of the computer device is used for communicating with an external terminal through a network connection. The processor, when executing the computer program, implements a method of determining a funds scheduling scheme as described in embodiments one, two, and three above.
It will be appreciated by those skilled in the art that the structure shown in fig. 8 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
Example seven
In this embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which when executed by a processor implements a method of determining a funds scheduling scheme as described in the above embodiments one, two, and three. Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the various embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples merely represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the invention. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application is to be determined by the claims appended hereto.
Claims (9)
1. A method of determining a funds scheduling scheme, comprising:
receiving a fund scheduling instruction, wherein the fund scheduling instruction comprises a scheduling time range;
acquiring target service configuration parameters corresponding to the scheduling time range and target constraint conditions of a plurality of fund scheduling indexes, wherein the target service configuration parameters comprise fund amount, interest rate and cash discharge success rate of each fund party accessed by a service platform, and the plurality of fund scheduling indexes comprise scheduling fund cost of the service platform, platform cash discharge success rate and platform cash discharge timeliness;
determining a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and target constraint conditions of each fund scheduling index, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range;
when the scheduling time range is the same day, the obtaining the target service configuration parameter corresponding to the scheduling time range and the target constraint condition of the plurality of fund scheduling indexes includes:
monitoring the paying-off condition of the service platform in real time to obtain the latest paying-off monitoring data;
obtaining the latest service configuration parameters according to the latest money release monitoring data, and taking the latest service configuration parameters as target service configuration parameters; the method comprises the steps of,
acquiring the latest constraint conditions of a plurality of fund scheduling indexes as target constraint conditions; the target constraint conditions of the schedule fund cost, the platform cash deposit success rate and the platform cash deposit aging are constraint thresholds of the schedule fund cost, the platform cash deposit success rate and the platform cash deposit aging.
2. The method of claim 1, wherein obtaining the latest service configuration parameters from the latest payout monitoring data comprises:
obtaining current service configuration parameters and current values of a plurality of fund scheduling indexes according to the latest money release monitoring data;
when the current service configuration parameters and/or the current values of the plurality of fund scheduling indexes trigger preset early warning conditions, the service configuration parameters are adjusted so that the adjusted service configuration parameters and/or the values of the plurality of fund scheduling indexes do not trigger the early warning conditions;
and taking the adjusted service configuration parameters as the latest service configuration parameters.
3. The method according to claim 2, wherein when the current service configuration parameter and/or the current value of the plurality of funds scheduling indicators trigger a preset pre-warning condition, the method further comprises:
an exception alert notification is sent and/or a previously determined first funds scheduling scheme and/or second funds scheduling scheme is performed.
4. A method according to any one of claims 1 to 3, characterized in that the method further comprises:
acquiring product duty ratio information of the service platform, wherein the product duty ratio information is a proportional relation between available fund limits corresponding to each product in the service platform;
and obtaining a second fund scheduling scheme according to the product duty ratio information and the first fund scheduling scheme, wherein the second fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range of each product.
5. The method according to claim 4, wherein the method further comprises:
receiving a fund application request sent by a user, wherein the fund application request comprises user identity information and fund demand information;
and distributing the user to a target fund party according to the user identity information, the fund demand information and the second fund scheduling scheme so as to enable the target fund party to provide services for the user.
6. A funds management system, comprising:
the intelligent funds scheduling system is used for responding to funds scheduling instructions containing a scheduling time range and generating a target funds scheduling scheme through an AI algorithm according to target service configuration parameters corresponding to the scheduling time range and target constraint conditions of a plurality of funds scheduling indexes; when the arrangement time range is the day, obtaining the latest service configuration parameters according to the latest money release monitoring data, and taking the latest service configuration parameters as target service configuration parameters; and obtaining the latest constraint conditions of the plurality of fund scheduling indexes as target constraint conditions; the target constraint conditions of the scheduling capital cost, the platform cash-out success rate and the platform cash-out timeliness are constraint thresholds for the scheduling capital cost, the platform cash-out success rate and the platform cash-out timeliness;
the user routing decision system is used for receiving a fund application request sent by a user, wherein the fund application request comprises user identity information and fund demand information; distributing the user to a target fund party according to the user identity information, the fund demand information and the target fund scheduling scheme so as to enable the target fund to pay to the user;
the fund data monitoring system is used for receiving the target service configuration parameters and the set values of the target constraint conditions, and monitoring the paying-off condition of the service platform in real time so as to acquire the latest paying-off monitoring data;
the fund intelligent scheduling system is connected with the user routing decision system, and the fund data monitoring system is respectively connected with the fund intelligent scheduling system and the user routing decision system.
7. A funds scheduling scheme determining apparatus, comprising:
the fund scheduling instruction receiving module is used for receiving a fund scheduling instruction, wherein the fund scheduling instruction comprises a scheduling time range;
the system comprises a scheduling configuration data acquisition module, a scheduling time range acquisition module and a scheduling time range acquisition module, wherein the scheduling configuration data acquisition module is used for acquiring target service configuration parameters corresponding to the scheduling time range and target constraint conditions of a plurality of fund scheduling indexes, the target service configuration parameters comprise fund amount, interest rate and fund release success rate of each fund party accessed by a service platform, and the plurality of fund scheduling indexes comprise scheduling fund cost of the service platform, platform fund release success rate and platform fund release timeliness; when the scheduling time range is the day, the scheduling configuration data acquisition module is used for monitoring the paying-off condition of the service platform in real time so as to acquire the latest paying-off monitoring data; obtaining the latest service configuration parameters according to the latest money release monitoring data, and taking the latest service configuration parameters as target service configuration parameters; and obtaining the latest constraint conditions of the plurality of fund scheduling indexes as target constraint conditions; the target constraint conditions of the scheduling capital cost, the platform cash dispensing success rate and the platform cash dispensing aging are constraint thresholds for the scheduling capital cost, the platform cash dispensing success rate and the platform cash dispensing aging;
and the fund scheduling scheme determining module is used for determining a first fund scheduling scheme of the scheduling time range according to the target service configuration parameters and the target constraint conditions of the fund scheduling indexes, wherein the first fund scheduling scheme comprises available fund amounts corresponding to each fund party in the scheduling time range.
8. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any one of claims 1 to 5 when the computer program is executed by the processor.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 5.
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