CN114331691A

CN114331691A - Method and device for determining final charging according to differentiated pricing

Info

Publication number: CN114331691A
Application number: CN202111676790.1A
Authority: CN
Inventors: 邓萍; 黎育龙; 赵树青; 李时利; 李军凯
Original assignee: Postal Savings Bank of China Ltd
Current assignee: Postal Savings Bank of China Ltd
Priority date: 2021-12-31
Filing date: 2021-12-31
Publication date: 2022-04-12

Abstract

The invention discloses a method and a device for determining final charging according to differentiated pricing. The invention comprises the following steps: determining a target charging item and determining a first charging amount corresponding to the target charging item; determining whether the target charging item allows differential pricing; under the condition that the target charging items allow differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount; determining whether the target charging item corresponds to a discount strategy except differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted; the second charge amount is compared to at least one third charge amount to determine a target charge amount. The invention solves the problem that the pricing factor of the service is single and relatively fixed in the related technology.

Description

Method and device for determining final charging according to differentiated pricing

Technical Field

The invention relates to the field of financial differential pricing, in particular to a method and a device for determining final charging according to differential pricing.

Background

In the related art, with increasingly fierce competition of finance marketization, especially the rise of big data and internet finance, great impact is generated on the operation mode and living space of the traditional financial institution, namely bank. Considering the differences of different customers, different regions, different channels and the like, each bank successively provides differentiated products and financial services, namely when the products or the services are provided, the same price is not indiscriminately provided for all the customers, the product price floating right is carefully exercised, different targeted service prices are provided, and for example, different interest rate floating is provided for different customer grades; providing different rates for different channels, such as transfer-free commission charge of a mobile banking channel; and providing different exchange rate services for different customers. However, the solutions provided in the industry at present have the following problems: 1) the pricing difference has a single dimension, and differentiation is supported only in a few dimensions such as customers, channels, products, time and the like. 2) The pricing difference dimension is fixed, new difference dimension cannot be flexibly added, and service demand change and market change can be quickly responded.

At present, in some differentiated pricing application scenes existing in the industry, different rates are configured according to a trading channel, a trading range, a customer grade, an account group and provincial dimensionality, and when trading is performed, cost calculation is performed according to the configured rates. The existing scheme has the biggest advantages that the model is simple, the implementation is easy, and complex business requirements cannot be responded quickly, for example, in the period of a new crown epidemic situation, requirements such as the situation that an epidemic area account takes the charge of exemption and transfers the charge of exemption to the epidemic area account cannot be responded immediately and effectively supported.

In view of the above problems in the related art, no effective solution has been proposed.

Disclosure of Invention

The main objective of the present invention is to provide a method and an apparatus for determining final charging according to differentiated pricing, so as to solve the problem that pricing factors of services in related technologies are single and relatively fixed.

To achieve the above object, according to one aspect of the present invention, there is provided a method of determining a final charge based on differentiated pricing. The invention comprises the following steps: determining a target charging item and determining a first charging amount corresponding to the target charging item; determining whether the target charging item allows agreement bargaining or not, and determining whether the target charging item allows differential pricing or not under the condition that the target charging item does not allow agreement bargaining; under the condition that the target charging items allow differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount; determining whether the target charging item corresponds to a discount strategy except differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted; and comparing the second charging amount with at least one third charging amount to determine a target charging amount, wherein the target charging amount is the smallest amount of the second charging amount and the third charging amount.

Further, determining a target charging item and determining a first charging amount corresponding to the target charging item includes: acquiring target account information, and determining a target charging item corresponding to a target account according to the target account information; acquiring a basic amount and a basic rate corresponding to a target charging item; the sum of the base amount and the base rate is determined as the first charged amount.

Further, it is determined whether the target charge item allows agreement bargaining, in case the target charge item allows agreement bargaining, the method further comprises: and determining an agreement bargained rate according to the target account information, and determining a target charging amount according to the first charging amount and the agreement bargained rate.

Further, determining whether the target charging item allows differential pricing, and in the case that the target charging item allows differential pricing, determining a second charging amount obtained by the first charging amount after differential pricing, comprises: determining at least one charging scenario corresponding to the target charging item in the case that the target charging item allows differential pricing, wherein each charging scenario is composed of a plurality of pricing factors; constructing a dimension rule engine corresponding to a target charging project according to at least one charging scene; and inputting the charging item data corresponding to the target charging item into the dimension rule engine, and controlling the dimension rule engine to output a second charging amount.

Further, according to at least one charging scenario, a dimension rule engine corresponding to the target charging item is constructed, and the dimension rule engine comprises: determining at least one scene description corresponding to at least one charging scene; splitting each scene description into a plurality of pricing factors, determining a plurality of matching conditions according to the pricing factors, and determining the matching conditions as a set of matching conditions to obtain at least one set of matching conditions corresponding to at least one charging scene; and constructing a dimension rule engine according to at least one group of matching conditions.

Further, inputting the charging item data corresponding to the target charging item into the dimension rule engine, and controlling the dimension rule engine to output a second charging amount, including: matching at least one set of matching conditions with the toll item data; under the condition that the charging item data is successfully matched with the group of matching conditions, determining a preferential strategy corresponding to the matching conditions which are successfully matched, and deducting the first charging amount according to the preferential strategy to obtain a second charging amount; under the condition that the charging item data is successfully matched with the multiple groups of matching conditions, determining multiple preferential strategies corresponding to the multiple groups of matching conditions, respectively deducting the first charging amount according to the multiple preferential strategies to obtain multiple charging amounts, and determining the minimum amount in the multiple charging amounts as a second charging amount; and controlling the dimension rule engine to output the second charging amount.

Further, determining whether the target charging item corresponds to a benefit policy other than differential pricing, determining at least one benefit policy in the case that the target charging item corresponds to a benefit policy other than differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the relief of the at least one benefit policy, includes: acquiring target account information and a project code corresponding to a target charging project; matching the account information and the project codes to determine whether the target account signs a preset fee exemption protocol or not; and under the condition that the target account is determined to sign the preset expense deduction protocol, obtaining the signing information in the preset expense deduction protocol, and carrying out deduction on the basis of the first charging amount according to the signing information to obtain a third charging amount.

Further, determining whether the target charging item corresponds to a benefit policy other than differential pricing, determining at least one benefit policy in the case that the target charging item corresponds to a benefit policy other than differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the relief of the at least one benefit policy, includes: acquiring target account information and a project code corresponding to a target charging project; matching the account information and the project codes to determine whether the target account signs a preset price package agreement; and under the condition that the target account is determined to sign the preset price package agreement, obtaining the signing information in the preset price package agreement, and deducting on the basis of the first charging amount according to the signing information to obtain a third charging amount.

To achieve the above object, according to another aspect of the present application, there is provided a computer readable storage medium including a stored program, wherein the program performs a method of determining a final charge according to differentiated pricing according to any one of the above.

To achieve the above object, according to another aspect of the present application, there is provided a processor for executing a program, wherein the program performs a method of determining a final charge based on differentiated pricing according to any one of the above.

The invention adopts the following steps: determining a target charging item and determining a first charging amount corresponding to the target charging item; determining whether the target charging item allows agreement bargaining or not, and determining whether the target charging item allows differential pricing or not under the condition that the target charging item does not allow agreement bargaining; under the condition that the target charging items allow differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount; determining whether the target charging item corresponds to a discount strategy except differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted; and comparing the second charge amount with at least one third charge amount to determine a target charge amount, wherein the target charge amount is the minimum amount of the second charge amount and the third charge amount, so that the problem that the pricing factor of the service in the related technology is single and relatively fixed is solved, and the effect of flexibly adding a new differential pricing factor is further achieved.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate an embodiment of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:

fig. 1 is a first flowchart of a method for determining final charging according to differentiated pricing according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of a dimension rules engine provided in accordance with an embodiment of the invention;

FIG. 3 is a flowchart illustrating a method for determining a final charge according to differentiated pricing according to an embodiment of the present invention;

fig. 4 is a schematic diagram of an apparatus for determining final charging according to differentiated pricing according to an embodiment of the present invention.

Detailed Description

It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.

In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged under appropriate circumstances in order to facilitate the description of the embodiments of the invention herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

For convenience of description, some terms or expressions referring to the embodiments of the present invention are explained below:

a user-conference: for a large customer with the ability of bargaining with a bank, the customer signs a single account with the bank or the agreement interest rate and the agreement rate under the single customer, and the agreement bargaining has the characteristic of highest priority.

Agreement bargaining: for a large customer with the capability of bargaining with a bank, a one-customer one-conference agreement is signed with the bank, interest rate floating or specific interest rate values at a customer level or an account level are agreed, or a bargaining agreement with a rate discount is signed for a rate.

Differential pricing: and performing differentiated pricing on the transactions meeting certain dimension rules, wherein the differentiated pricing is used for flexibly customizing a pricing strategy according to market changes and business requirements.

Base amount: and finally participating in the calculation of the fee, such as transaction amount and account balance.

Basal rates/interest rates: the basic rate is a basic rate with universality in transaction and is used for calculating basic cost, and the differential rate, the personalized rate and the protocol bargaining rate float on the basis of the basic rate, and the basic rate is the same as the basic rate.

Personalization: the individuation is used for signing a fee deduction agreement or a price package agreement with a bank by taking a single customer or an account as a unit, wherein the fee deduction agreement is used for a bank preferential policy and gives a preferential offer to a specific customer, the price package agreement belongs to the customer rights and interests, a certain fee can be charged when the customer signs a contract for purchase, and the package is characterized by periodicity.

Pricing factor: and service elements for participating in calculating pricing, such as customer grade, account star grade, number of times of ATM cash withdrawal by other persons in the current month, transaction area code and the like.

According to an embodiment of the invention, a method of determining a final charge based on differentiated pricing is provided.

Fig. 1 is a flowchart illustrating a method for determining a final charge according to differentiated pricing according to an embodiment of the present invention. As shown in fig. 1, the present invention comprises the steps of:

step S101, determining a target charging item and determining a first charging amount corresponding to the target charging item.

As described above, the target charge item is determined, and the first charge amount corresponding to the target charge item is determined, for example, in a bank scenario, the charge item is a credit card withdrawal, a bank card inter-bank withdrawal, a bank card remote withdrawal, or the like, and the corresponding charge amount is a credit card withdrawal commission, a bank card inter-bank withdrawal commission, a bank card remote withdrawal commission, or the like.

And step S102, determining whether the target charging item allows agreement bargaining or not, and determining whether the target charging item allows differential pricing or not under the condition that the target charging item does not allow agreement bargaining.

As described above, it is determined whether agreement bargaining is allowed or not based on the target charging item, and if not, whether differentiated pricing is allowed or not. For example, taking a bank scenario as an example, when a certain customer signs an agreement with a bank, and uses a credit card for consumption, the handling fee is calculated according to the rate of the agreement, and if the customer does not sign the agreement with the bank, it is determined whether the consumption allows differential pricing, so as to determine the handling fee, wherein the priority of the agreement is the first.

And step S103, under the condition that the target charging item allows differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount.

In the above, it is determined whether the target charge allows differential pricing, and if so, the amount of the exempt charge obtained after differential pricing is performed according to the amount of the charge due.

And step S104, determining whether the target charging item corresponds to a discount strategy except for differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except for differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted.

As described above, it is determined whether there corresponds an offer policy other than differential pricing according to the target charging item, for example, the offer policy is a fee deduction agreement, a package offer, or the like. Under the condition that the preferential strategies exist, corresponding expenses need to be reduced according to one of the preferential strategies to obtain the preferential charge amount, for example, if the expense reduction protocol is that the monthly consumption accumulated amount reaches three thousand yuan, the charge of the handling fee is half of less than three thousand yuan, and if the subsequent consumption normally charges the handling fee, the preferential charge amount is calculated according to the expense reduction protocol.

And step S105, comparing the second charging amount with at least one third charging amount to determine a target charging amount, wherein the target charging amount is the minimum amount of the second charging amount and the third charging amount.

In the above, the smaller the target charging amount is, the more satisfied the user can be, the second charging amount obtained through differentiated pricing is compared with the third charging amount obtained through discount policy deduction, and the minimum amount is taken as the target amount.

By the method, the defects of traditional differentiated dimension transverse table design are overcome, flexible configuration of pricing factors is realized by adopting a universal dimension rule engine, change of table structures and code change are not influenced, abundant service dimension configuration can be supported, strong expansibility is achieved, market change and demand change can be quickly coped with, an excellent pricing engine flow design is provided, the existing differentiated pricing requirements in the industry are completely covered, market change and demand change can be quickly coped with, the delivery cycle can be greatly shortened, and services can quickly grasp market opportunity.

In an alternative embodiment, determining the target charging item and determining the first charging amount corresponding to the target charging item includes: acquiring target account information, and determining a target charging item corresponding to a target account according to the target account information; acquiring a basic amount and a basic rate corresponding to a target charging item; the sum of the base amount and the base rate is determined as the first charged amount.

In the above, different accounts have different charging items, and the charging items have different corresponding basic amounts and basic rates. Determining a charging item corresponding to the target account according to the target account information, and determining a corresponding basic amount and a basic rate so as to obtain a corresponding charging amount, for example, taking a bank scenario as an example, if the charging item of a certain account is for local cross-bank withdrawal, the basic amount is five thousand yuan, and the basic rate is 0.5% of the withdrawal amount, the commission charge is twenty-five.

In an alternative embodiment, it is determined whether the target charge item allows agreement bargaining, in which case the method further comprises: and determining an agreement bargained rate according to the target account information, and determining a target charging amount according to the first charging amount and the agreement bargained rate.

In the above, a large customer with the bank bargaining capability negotiates a preferential policy with the bank and signs an agreement, determines the agreement bargaining price of the charge item, the agreement bargaining price has the highest preferential policy, and when the target charge item has the agreement bargaining price, the target charge amount is determined according to the rate negotiated by the agreement so as to ensure the maximum benefit, for example, a company often needs local inter-bank transfer due to business requirements, and because the amount is large and frequent, the rate negotiated with the bank is 0.1% of the withdrawal amount, and the local inter-bank transfer rate of a general user is 0.5% of the withdrawal amount, when a certain transfer amount is five thousand, the commission charge is five-fold, and a large benefit is obtained.

In an alternative embodiment, determining whether the target charging item allows differentiated pricing, and in case the target charging item allows differentiated pricing, determining a second charging amount of the first charging amount after differentiated pricing, comprises: determining at least one charging scenario corresponding to the target charging item in the case that the target charging item allows differential pricing, wherein each charging scenario is composed of a plurality of pricing factors; constructing a dimension rule engine corresponding to a target charging project according to at least one charging scene; and inputting the charging item data corresponding to the target charging item into the dimension rule engine, and controlling the dimension rule engine to output a second charging amount.

In the above, when the agreement bargaining does not exist in the target charging item, determining whether differential pricing exists, and obtaining a corresponding charging amount according to the differential pricing, the differential pricing specifically includes: at least one charging scenario corresponding to the target charging item is determined, wherein each charging scenario is composed of a plurality of pricing factors, for example, the charging scenario is that the user consumes five hundred consumption exempt commission fees every month, and the pricing factors composing the charging scenario are "consumption every month", "five hundred consumption", "exempt commission fees". As shown in fig. 2, fig. 2 is a schematic diagram of a dimension rule engine according to an embodiment of the present invention, where the dimension rule engine is used for matching a rule engine of a business dimension, and is suitable for pricing difference factor matching during fee calculation, and is also suitable for business factor matching in scenarios such as fee identification and interest rate acquisition, and data corresponding to a charging item is input to the dimension rule engine, so as to achieve a purpose of outputting a second charging amount.

In an alternative embodiment, the building of the dimension rule engine corresponding to the target charging item according to at least one charging scenario includes: determining at least one scene description corresponding to at least one charging scene; splitting each scene description into a plurality of pricing factors, determining a plurality of matching conditions according to the pricing factors, and determining the matching conditions as a set of matching conditions to obtain at least one set of matching conditions corresponding to at least one charging scene; and constructing a dimension rule engine according to at least one group of matching conditions.

The above-mentioned scenario description is divided into a plurality of pricing factors, and then corresponding matching conditions are obtained, and the matching conditions corresponding to the charging scenario are determined as a set of matching conditions, for example, the charging scenario is that the user consumes five hundred former consumption exempted commission fees every month, the charging scenario is divided into a plurality of pricing factors of monthly consumption, five hundred former consumption fees and hands-free fees, and the matching conditions are "consumption amount is not less than 500", consumption-five former consumption-fee "and" commission fee-zero ", where the above-mentioned three conditions are a set of conditions. And constructing a dimension rule engine according to at least one group of matching conditions.

It should be noted that the dimension rule engine includes multiple sets of conditions, and is applicable to multiple scenarios.

Specifically, the dimension rule engine is used as a business element matching engine, and the input parameters are dimension rule group number and business dimension code: the service dimension value list has the input parameter of true or false, and whether the matching is successful or not can be obtained. The core is designed into two entities, namely dimension rule set information: dimension rule group number, rule relation code and dimension rule expression. Secondly, dimension rule group detail: dimension rule group number, dimension sequence number, service dimension code, condition rule code, service dimension value, wherein the "rule relation code" optional value: 1-and, 2-or, 3-rule expression, wherein rule relation codes are used in the same dimension rule group, if the rule is a combination matching rule of dimension rule detail matching results corresponding to dimension sequence numbers, the combination matching rule cannot be used, if the rule is 1-and, the combination matching rule indicates that in the current dimension rule group, the final result is true when the dimension rule detail matching results corresponding to all dimension sequence numbers are true, otherwise, the final matching result is false; similarly, if the value is "or", the final result is true if any rule detail is hit, and if the value is 3-rule expression, a "rule expression" field needs to be configured, and the expression rule follows regular syntax, such as "(1 & &2) | (3& & 4))" expression, which indicates that in the current dimension rule set, the final result is true if and only if the dimension sequence numbers 1 and 2 are satisfied simultaneously, or the dimension sequence numbers 3 and 4 are satisfied simultaneously. "conditional relationship code" optional value: binocular operators for judging whether the service dimension value satisfies a certain condition, such as 01-equal, 02-unequal, 03-greater, 04-less, 05-greater or equal, 06-less or equal, 07-contained, 08-not contained, etc., when the business dimension value matched into the parameter is compared with the business dimension value in the configuration, if the configuration transaction channel is '15-mobile phone bank', in the current dimension rule specification, a business dimension code is required to be configured as an English name 'TX _ CHNL _ KIND _ CD' corresponding to a 'transaction channel category code', a 'condition relation code' is configured as '01-equal', a 'business dimension value' is configured as '15-mobile banking', and thus, when the service dimension is newly added, the new pricing factor can be flexibly configured without modifying the code of the pricing engine.

In an alternative embodiment, inputting the charging item data corresponding to the target charging item into the dimension rule engine, and controlling the dimension rule engine to output the second charging amount includes: matching at least one set of matching conditions with the toll item data; under the condition that the charging item data is successfully matched with the group of matching conditions, determining a preferential strategy corresponding to the matching conditions which are successfully matched, and deducting the first charging amount according to the preferential strategy to obtain a second charging amount; under the condition that the charging item data is successfully matched with the multiple groups of matching conditions, determining multiple preferential strategies corresponding to the multiple groups of matching conditions, respectively deducting the first charging amount according to the multiple preferential strategies to obtain multiple charging amounts, and determining the minimum amount in the multiple charging amounts as a second charging amount; and controlling the dimension rule engine to output the second charging amount.

The charging scenario includes that "five former consumption exemption fees for five hundred consumed every month" of the user or "50% of the first ten former consumption exemption fees for five hundred consumed every month" of the user, the charging scenario includes that a plurality of pricing factors are "consumed every month", "five hundred full" and "hands-free fees", a plurality of matching conditions include "consumption amount is greater than or equal to 500" consumption five former consumption fees "," free fee is zero ", the three conditions are a set of matching conditions, wherein another set of matching conditions corresponds to a scenario including that consumption amount is greater than or equal to five hundred former ten consumption fees, and, The handling fee is 50% of the original handling fee, two preferential fees are determined by matching two groups of matching conditions, and then which one of the two matching conditions has the lowest handling fee is determined, and the dimension engine is controlled to output the minimum amount of money.

In an alternative embodiment, determining whether the target charging item corresponds to an offer policy other than differentiated pricing, determining at least one offer policy in case the target charging item corresponds to an offer policy other than differentiated pricing, and determining at least one third charging amount for which the first charging amount corresponds to the at least one offer policy exemption, comprises: acquiring target account information and a project code corresponding to a target charging project; matching the account information and the project codes to determine whether the target account signs a preset fee exemption protocol or not; and under the condition that the target account is determined to sign the preset expense deduction protocol, obtaining the signing information in the preset expense deduction protocol, and carrying out deduction on the basis of the first charging amount according to the signing information to obtain a third charging amount.

The item code has a corresponding fee deduction protocol, the target account information is matched with the item code to check whether the target account signs a preset fee deduction protocol or not, if the target account signs a contract, the charging amount is deducted according to the signing information to obtain the charging amount after deduction, for example, the fee deduction protocol is that the monthly consumption accumulated amount reaches three thousand yuan, the charging of the previous commission fee is half of the original charging amount, the follow-up consumption normally charges the commission fee, and the charging amount after the discount is calculated according to the fee deduction protocol.

In an alternative embodiment, determining whether the target charging item corresponds to an offer policy other than differentiated pricing, determining at least one offer policy in case the target charging item corresponds to an offer policy other than differentiated pricing, and determining at least one third charging amount for which the first charging amount corresponds to the at least one offer policy exemption, comprises: acquiring target account information and a project code corresponding to a target charging project; matching the account information and the project codes to determine whether the target account signs a preset price package agreement; and under the condition that the target account is determined to sign the preset price package agreement, obtaining the signing information in the preset price package agreement, and deducting on the basis of the first charging amount according to the signing information to obtain a third charging amount.

The item codes have corresponding price package protocols, the target account information is matched with the item codes to check whether the target account signs a preset price package protocol or not, if the target account signs a preset price package protocol, the deduction of the charge amount is carried out according to the signing information, and the charge amount after the deduction is obtained, for example, the price package protocol is that the monthly consumption accumulated amount reaches one ten thousand yuan, the charge of the previous handling fee is free, the subsequent consumption normally charges the handling fee, and the preferential charge amount is calculated according to the price package protocol.

In an embodiment provided by the present application, as shown in fig. 3, fig. 3 is a flowchart of a method for determining a final charge according to differentiated pricing according to an embodiment of the present invention, where the embodiment takes differentiated pricing of banking rates as an example, and explains how to implement calculation of differentiated rates based on a general dimension rule engine and a flow design of a differentiated pricing engine, and the implemented differentiated pricing engine mainly has the following flow steps:

step (1), inquiring charging items: firstly, acquiring basic configuration information of the charging item, wherein main fields related to differentiated pricing comprise: the "allowable bargaining mark", "allowable differential pricing mark", "allowable exemption mark" and "allowable package mark" respectively correspond to the agreement bargaining, differential pricing, cost exemption agreement and price package agreement in the differential pricing engine of the present invention.

Calculating basic amount: and the system is used for processing the amount involved in the charge calculation, and after the processing, the amount involved in the charge calculation is equal to the original amount by 100 percent or less than the original amount.

Step (3) inquiring basic rate: and inquiring the basic rate corresponding to the current charging item, wherein the basic rate processing comprises the basic rate processing of different institution levels, the processing of rate hierarchical configuration, service fee and coupon paid to the investor.

And (4) protocol bargaining treatment: when the charging item allows agreement bargaining, it will find out whether to sign agreement bargaining rate according to the account or customer in the current transaction, if there is agreement bargaining rate, it will end the process, so as to make the large customer consult one user. When the configuration does not allow agreement bargaining, processing continues.

Step (5) differentiation treatment: when the current charging items are configured to allow differentiation, a dimension rule engine is used for matching according to the differentiated pricing factors in the transaction context, and when the current charging items are hit, the differentiated rate configuration information is obtained for processing to obtain differentiated rate information, and the final price comparison and optimization link is participated.

And (6) processing a cost reduction protocol: when the current charging item is configured to allow exemption, whether a contract fee exemption agreement is signed or not is matched according to the account or the client in the current transaction and the charging item code, if yes, the fee after exemption is calculated according to the contract information, and a final price comparison and optimization link is participated.

And (7) price package protocol processing: when the current charging item is configured to allow package, matching whether a contract price package agreement is signed or not according to an account or a customer in the current transaction and the charging item code, if yes, calculating the cost after package discount according to the contract information, and participating in a final price comparison and optimization link.

And (8) optimizing the price: and (4) carrying out price comparison according to the configuration of price comparison rules on the basic cost, the cost after differential preferential, the cost after cost reduction and the cost after package preferential, and taking the optimal result as the final rate.

The method for determining the final charge according to the differentiated pricing, provided by the embodiment of the invention, comprises the steps of determining a target charge item and determining a first charge amount corresponding to the target charge item; determining whether the target charging item allows agreement bargaining or not, and determining whether the target charging item allows differential pricing or not under the condition that the target charging item does not allow agreement bargaining; under the condition that the target charging items allow differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount; determining whether the target charging item corresponds to a discount strategy except differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted; and comparing the second charge amount with at least one third charge amount to determine a target charge amount, wherein the target charge amount is the minimum amount of the second charge amount and the third charge amount, and the problem that the pricing factor of the service in the related technology is single and relatively fixed is solved. And then the effect of flexibly adding new differential pricing factors is achieved.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.

The embodiment of the present invention further provides a device for determining a final charge according to differentiated pricing, and it should be noted that the device for determining a final charge according to differentiated pricing of the embodiment of the present invention may be used to execute the method for determining a final charge according to differentiated pricing provided by the embodiment of the present invention. The following describes an apparatus for determining final charging according to differentiated pricing according to embodiments of the present invention.

Fig. 4 is a schematic diagram of an apparatus for determining final charging according to differentiated pricing according to an embodiment of the present invention. As shown in fig. 4, the apparatus includes: a first determination unit 401, which determines a target charging item and determines a first charging amount corresponding to the target charging item; a second determining unit 420 that determines whether the target charging item allows agreement bargaining, and in case that the target charging item does not allow agreement bargaining, determines whether the target charging item allows differential pricing; a third determining unit 403, configured to determine a second charging amount obtained after differential pricing is performed on the first charging amount, if the target charging item allows differential pricing; a fourth determining unit 404, configured to determine whether the target charging item corresponds to a benefit policy other than differential pricing, determine at least one benefit policy if the target charging item corresponds to a benefit policy other than differential pricing, and determine at least one third charging amount corresponding to the first charging amount under the condition that the at least one benefit policy is exempted; the fifth determining unit 405 compares the second charged amount with at least one third charged amount to determine a target charged amount, wherein the target charged amount is the smallest amount of the second charged amount and the third charged amount.

In an alternative embodiment, the first determining unit 401 includes: the first acquisition subunit acquires the target account information and determines a target charging item corresponding to the target account according to the target account information; the second acquisition subunit acquires the basic amount and the basic rate corresponding to the target charging item; and a first determining subunit that determines the sum of the basic amount and the basic rate as the first charge amount.

In an alternative embodiment, the apparatus further comprises: and a sixth determining unit that determines whether the target charge item allows agreement bargaining, determines an agreement bargaining rate according to the target account information in a case that the target charge item allows agreement bargaining, and determines the target charge amount according to the first charge amount and the agreement bargaining rate.

In an alternative embodiment, determining whether the target charging item allows differentiated pricing, the third determining unit 403 comprises: the second determining subunit determines at least one charging scene corresponding to the target charging item under the condition that the target charging item allows differential pricing, wherein each charging scene is composed of a plurality of pricing factors; the construction subunit is used for constructing a dimension rule engine corresponding to the target charging project according to at least one charging scene; and the input subunit inputs the charging item data corresponding to the target charging item into the dimension rule engine and controls the dimension rule engine to output the second charging amount.

In an alternative embodiment, a subunit is constructed comprising: a first determining module that determines at least one scene description corresponding to at least one charging scene; the second determining module is used for splitting each scene description into a plurality of pricing factors, determining a plurality of matching conditions according to the pricing factors, and determining the matching conditions into a group of matching conditions to obtain at least one group of matching conditions corresponding to at least one charging scene; and the construction module is used for constructing the dimension rule engine according to at least one group of matching conditions.

In an alternative embodiment, the input subunit includes: the matching module is used for matching at least one group of matching conditions with the charging item data; the third determining module is used for determining a discount strategy corresponding to the matching condition which is successfully matched under the condition that the charging item data is successfully matched with the group of matching conditions, and deducting the first charging amount according to the discount strategy to obtain a second charging amount; the fourth determining module is used for determining a plurality of discount strategies corresponding to the plurality of groups of matching conditions under the condition that the charging item data is successfully matched with the plurality of groups of matching conditions, respectively deducting the first charging amount according to the plurality of discount strategies to obtain a plurality of charging amounts, and determining the minimum amount in the plurality of charging amounts as a second charging amount; and the output module controls the dimension rule engine to output the second charging amount.

In an alternative embodiment, the fourth determining unit 404 includes: the third acquisition subunit acquires the target account information and the item code corresponding to the target charging item; the first matching subunit matches the account information and the project codes to determine whether the target account signs a preset fee exemption protocol or not; and the fourth acquisition subunit acquires the subscription information in the preset expense exemption protocol under the condition that the target account is determined to determine to sign the preset expense exemption protocol, and performs exemption on the basis of the first charge amount according to the subscription information to obtain a third charge amount.

In an alternative embodiment, the fourth determining unit 404 includes: the fifth acquiring subunit acquires the target account information and the item code corresponding to the target charging item; the second matching subunit matches the account information and the item codes to determine whether the target account signs a preset price package agreement; and the sixth acquisition subunit is used for acquiring the subscription information in the preset price package agreement under the condition that the target account is determined to determine the subscription to the preset price package agreement, and performing exemption on the basis of the first charging amount according to the subscription information to obtain a third charging amount.

The device for determining final charging according to differentiated pricing provided by the embodiment of the invention determines a target charging item and determines a first charging amount corresponding to the target charging item; determining whether the target charging item allows agreement bargaining or not, and determining whether the target charging item allows differential pricing or not under the condition that the target charging item does not allow agreement bargaining; under the condition that the target charging items allow differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount; determining whether the target charging item corresponds to a discount strategy except differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted; and comparing the second charge amount with at least one third charge amount to determine a target charge amount, wherein the target charge amount is the minimum amount of the second charge amount and the third charge amount, so that the problem that the pricing factor of the service in the related technology is single and relatively fixed is solved, and the effect of flexibly adding a new differential pricing factor is further achieved.

The device for determining final charging according to differentiated pricing comprises a processor and a memory, wherein the first determining unit 401 and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.

The processor comprises a kernel, and the kernel calls the corresponding program unit from the memory. The kernel can be set to be one or more, and the technical problem that the pricing factor of the service is single and relatively fixed in the related technology is solved by adjusting the kernel parameters.

The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.

Embodiments of the present invention provide a computer-readable storage medium having stored thereon a program that, when executed by a processor, implements the method for determining a final charge based on differentiated pricing.

The embodiment of the invention provides a processor, which is used for running a program, wherein the program runs to execute the method for determining the final charging according to the differentiated pricing.

The embodiment of the invention provides equipment, which comprises a processor, a memory and a program which is stored on the memory and can run on the processor, wherein the processor executes the program and realizes the following steps: determining a target charging item and determining a first charging amount corresponding to the target charging item; determining whether the target charging item allows agreement bargaining or not, and determining whether the target charging item allows differential pricing or not under the condition that the target charging item does not allow agreement bargaining; under the condition that the target charging items allow differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount; determining whether the target charging item corresponds to a discount strategy except differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted; and comparing the second charging amount with at least one third charging amount to determine a target charging amount, wherein the target charging amount is the smallest amount of the second charging amount and the third charging amount.

The device herein may be a server, a PC, a PAD, a mobile phone, etc.

The invention also provides a computer program product adapted to perform a program for initializing the following method steps when executed on a data processing device: determining a target charging item and determining a first charging amount corresponding to the target charging item; determining whether the target charging item allows agreement bargaining or not, and determining whether the target charging item allows differential pricing or not under the condition that the target charging item does not allow agreement bargaining; under the condition that the target charging items allow differential pricing, determining a second charging amount obtained after differential pricing is carried out on the first charging amount; determining whether the target charging item corresponds to a discount strategy except differential pricing, determining at least one discount strategy under the condition that the target charging item corresponds to the discount strategy except differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the condition that the at least one discount strategy is exempted; and comparing the second charging amount with at least one third charging amount to determine a target charging amount, wherein the target charging amount is the smallest amount of the second charging amount and the third charging amount.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.

The above are merely examples of the present invention, and are not intended to limit the present invention. Various modifications and alterations to this invention will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the scope of the claims of the present invention.

Claims

1. A method for determining a final charge based on differentiated pricing, comprising:

determining a target charging item and determining a first charging amount corresponding to the target charging item;

determining whether the target charge item allows agreement bargaining, and in the event that the target charge item does not allow the agreement bargaining, determining whether the target charge item allows differential pricing;

determining a second charging amount of the first charging amount after the differential pricing, if the target charging item allows the differential pricing;

determining whether the target charging item corresponds to a benefit policy other than the differential pricing, determining at least one benefit policy if the target charging item corresponds to a benefit policy other than the differential pricing, and determining at least one third charging amount corresponding to the first charging amount under the deduction of at least one benefit policy;

comparing the second charge amount with at least one of the third charge amounts to determine a target charge amount, wherein the target charge amount is the smallest of the second charge amount and the third charge amount.

2. The method of claim 1, wherein determining a target charge item and determining a first charge amount corresponding to the target charge item comprises:

acquiring target account information, and determining the target charging items corresponding to the target account according to the target account information;

acquiring a basic amount and a basic rate corresponding to the target charging item;

and determining the sum of the basic amount and the basic rate as the first charging amount.

3. The method of claim 2, wherein it is determined whether the target charge item allows agreement bargaining, and in the case that the target charge item allows the agreement bargaining, the method further comprises:

and determining an agreement bargaining rate according to the target account information, and determining the target charging amount according to the first charging amount and the agreement bargaining rate.

4. The method according to claim 1, wherein determining whether the target charge item allows differentiated pricing, and in case the target charge item allows differentiated pricing, determining a second charge amount of the first charge amount after the differentiated pricing, comprises:

determining at least one charging scenario corresponding to the target charging item in case the target charging item allows the differential pricing, wherein each charging scenario consists of a plurality of pricing factors;

constructing a dimension rule engine corresponding to the target charging project according to at least one charging scene;

inputting the charging item data corresponding to the target charging item into the dimension rule engine, and controlling the dimension rule engine to output the second charging amount.

5. The method of claim 4, wherein constructing a dimension rules engine corresponding to the target charging item according to at least one of the charging scenarios comprises:

determining at least one scene description corresponding to at least one of said charging scenes;

splitting each scene description into a plurality of pricing factors, determining a plurality of matching conditions according to the pricing factors, and determining the matching conditions as a set of matching conditions to obtain at least one set of matching conditions corresponding to at least one charging scene;

and constructing the dimension rule engine according to at least one group of matching conditions.

6. The method of claim 5, wherein inputting the charge item data corresponding to the target charge item to the dimension rules engine and controlling the dimension rules engine to output the second charge amount comprises:

matching at least one set of said matching conditions with said tariff item data;

under the condition that the charging item data is successfully matched with a group of matching conditions, determining a discount strategy corresponding to the matching conditions which are successfully matched, and deducting the first charging amount according to the discount strategy to obtain the second charging amount;

under the condition that the charging item data is successfully matched with the multiple groups of matching conditions, determining multiple preferential strategies corresponding to the multiple groups of matching conditions, respectively deducting the first charging amount according to the multiple preferential strategies to obtain multiple charging amounts, and determining the minimum amount in the multiple charging amounts as the second charging amount;

and controlling the dimension rule engine to output the second charging amount.

7. The method of claim 2, wherein determining whether the target charging item corresponds to an offer policy other than differentiated pricing, determining at least one of the offer policies in the case that the target charging item corresponds to an offer policy other than differentiated pricing, and determining at least one third charging amount corresponding to the first charging amount under the at least one of the offer policy exemptions comprises:

acquiring the target account information and a project code corresponding to the target charging project;

matching the account information and the project code to determine whether the target account signs a preset fee deduction protocol;

and under the condition that the target account is determined to sign the preset charge exemption protocol, acquiring signing information in the preset charge exemption protocol, and carrying out exemption on the basis of the first charge amount according to the signing information to obtain a third charge amount.

8. The method of claim 2, wherein determining whether the target charging item corresponds to an offer policy other than differentiated pricing, determining at least one of the offer policies in the case that the target charging item corresponds to an offer policy other than differentiated pricing, and determining at least one third charging amount corresponding to the first charging amount under the at least one of the offer policy exemptions comprises:

matching the account information and the project code to determine whether the target account signs a preset price package agreement;

and under the condition that the target account is determined to sign the preset price package agreement, acquiring signing information in the preset price package agreement, and deducting on the basis of the first charging amount according to the signing information to obtain the third charging amount.

9. A computer-readable storage medium, comprising a stored program, wherein the program, when executed, controls a device on which the computer-readable storage medium is located to perform a method for determining a final charge based on differentiated pricing according to any of claims 1 to 8.

10. A processor, characterized in that the processor is configured to run a program, wherein the program is configured to perform a method of determining a final charge based on differentiated pricing according to any of claims 1 to 8.