CN115640807A

CN115640807A - Pricing method, pricing device, electronic equipment and computer readable medium

Info

Publication number: CN115640807A
Application number: CN202211393229.7A
Authority: CN
Inventors: 张茁涵; 徐静; 刘侃; 曾欣; 刁云飞; 张洁
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-11-08
Filing date: 2022-11-08
Publication date: 2023-01-24

Abstract

The application discloses a pricing method, a pricing device, electronic equipment and a computer readable medium, and relates to the technical field of big data processing, wherein a specific implementation mode comprises the steps of receiving a pricing request, and obtaining a corresponding entity identifier, an article identifier and a corresponding mechanism identifier; opening the access right to the authorized pricing table, and further determining an authorized pricing range from the authorized pricing table according to the mechanism identification; calling a white list acquisition process to acquire a white list corresponding to the article identifier, and further determining a target workflow according to the entity identifier and the white list; and executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data. The method can realize rapid and accurate differential pricing of different user groups of the same article, and has low development and maintenance cost and good effect.

Description

Pricing method, pricing device, electronic equipment and computer readable medium

Technical Field

The present application relates to the field of big data processing technologies, and in particular, to a pricing method, an apparatus, an electronic device, and a computer-readable medium.

Background

Because most of the institutions have wide online service related range and many service users, the difference of actual conditions of various places makes it difficult for the same article to find a proper pricing to meet the actual requirements of various places, thereby causing great difficulty in pricing the interest rate of the article, and the online article cannot achieve the most ideal effect due to the single pricing mode.

In the process of implementing the present application, the inventor finds that at least the following problems exist in the prior art:

the mechanism has low differential pricing efficiency, low accuracy and poor effect on the same article.

Disclosure of Invention

In view of this, embodiments of the present application provide a pricing method, an apparatus, an electronic device, and a computer-readable medium, which can solve the problems of low efficiency, low accuracy, and poor effect of differential pricing for the same item in the existing mechanism.

To achieve the above object, according to an aspect of an embodiment of the present application, there is provided a pricing method including:

receiving a pricing request, and acquiring a corresponding entity identifier, an article identifier and an organization identifier;

opening the access right to the authorized pricing table, and further determining an authorized pricing range from the authorized pricing table according to the mechanism identification;

calling a white list acquisition process to acquire a white list corresponding to the article identifier, and further determining a target workflow according to the entity identifier and the white list;

and executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data.

Optionally, invoking a white list obtaining process to obtain a white list corresponding to the item identifier includes:

and determining all white list batch identifications corresponding to the article identification, and calling the corresponding white list according to the white list batch identifications in response to the fact that the white list batch identifications are not empty.

Optionally, determining the target workflow according to the entity identifier and the white list includes:

in response to the fact that the entity identification is determined to be in the white list, determining batch identification corresponding to the entity identification, matching the batch identification with each white list batch identification, and determining the matched white list batch identification as target batch identification;

and determining the white list pricing workflow corresponding to the target batch identification as the target workflow.

Optionally, executing the target workflow, and then determining pricing data corresponding to the entity identifier based on the authorized pricing range includes:

determining the number of target batch identifications;

responding to the number more than one, and acquiring an interest rate set corresponding to the target batch identifier;

carrying out descending ordering on each interest rate in the interest rate set, and determining the interest rate arranged at the last position as a target interest rate;

in response to the target interest rate being within the authorized pricing range, the target interest rate is determined as pricing data corresponding to the entity identification.

Optionally, before determining the target workflow according to the entity identifier and the white list, the method further includes:

in response to the white list batch identifier being empty, determining the target workflow as an item level pricing workflow; wherein, the object level pricing workflow comprises:

determining corresponding interest rate according to the mechanism identification and the article identification;

and determining the interest rate as pricing data corresponding to the entity identification and outputting the pricing data.

Optionally, after determining the authorized pricing range, the method further comprises:

obtaining evaluation data corresponding to the entity identification;

extracting dimension characteristics corresponding to the evaluation data based on a preset dimension;

and calling the pricing model to determine and output corresponding pricing data according to the dimension characteristics.

Optionally, invoking a pricing model, comprising:

the determination mechanism identifies the corresponding attribution and then invokes a pricing model corresponding to the attribution.

In addition, the present application also provides a pricing apparatus, including:

the receiving unit is configured to receive a pricing request and acquire corresponding entity identification, item identification and organization identification;

the authorized pricing range determining unit is configured to open the access right to the authorized pricing table, and further determine the authorized pricing range from the authorized pricing table according to the mechanism identification;

the target workflow determination unit is configured to invoke a white list acquisition process to acquire a white list corresponding to the article identifier, and further determine a target workflow according to the entity identifier and the white list;

and the pricing unit is configured to execute the target workflow, and further determines pricing data corresponding to the entity identification based on the authorized pricing range and outputs the pricing data.

Optionally, the target workflow determination unit is further configured to:

Optionally, the pricing unit is further configured to:

determining the number of target batch identifications;

Optionally, the target workflow determination unit is further configured to:

in response to the white list batch identifier being empty, determining the target workflow as an item level pricing workflow; wherein the item level pricing workflow is configured to:

determining a corresponding interest rate according to the mechanism identification and the article identification;

Optionally, the pricing unit is further configured to:

acquiring evaluation data corresponding to the entity identification;

Optionally, the pricing unit is further configured to:

and determining the attribution corresponding to the mechanism identification, and calling the pricing model corresponding to the attribution.

In addition, the present application also provides a pricing electronic device, including: one or more processors; a storage device for storing one or more programs which, when executed by one or more processors, cause the one or more processors to implement the pricing method as described above.

Furthermore, a computer-readable medium is provided, on which a computer program is stored, which program, when being executed by a processor, carries out the pricing method as described above.

To achieve the above object, according to still another aspect of embodiments of the present application, there is provided a computer program product.

A computer program product according to an embodiment of the present application includes a computer program that, when executed by a processor, implements a pricing method provided by an embodiment of the present application.

One embodiment of the above invention has the following advantages or benefits: the method comprises the steps of obtaining corresponding entity identification, article identification and mechanism identification by receiving a pricing request; opening the access right to the authorized pricing table, and further determining an authorized pricing range from the authorized pricing table according to the mechanism identification; calling a white list acquisition process to acquire a white list corresponding to the article identifier, and further determining a target workflow according to the entity identifier and the white list; and executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data. The method can realize rapid and accurate differential pricing of different user groups of the same article, and has low development and maintenance cost and good effect.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a further understanding of the application and are not to be construed as limiting the application. Wherein:

FIG. 1 is a schematic illustration of a main flow of a pricing method according to an embodiment of the present application;

FIG. 2 is a schematic diagram of a main flow of a pricing method according to an embodiment of the application;

FIG. 3 is a schematic flow chart diagram illustrating a pricing method according to one embodiment of the present application;

FIG. 4 is a schematic flow chart diagram illustrating a pricing method according to one embodiment of the present application;

FIG. 5 is a schematic flow chart diagram illustrating a pricing method according to one embodiment of the present application;

FIG. 6 is a schematic flow chart diagram illustrating a pricing method according to one embodiment of the present application;

FIG. 7 is a schematic flow chart diagram of a pricing method according to one embodiment of the present application;

FIG. 8 is a schematic diagram of the main elements of a pricing apparatus according to an embodiment of the present application;

FIG. 9 is an exemplary system architecture diagram to which embodiments of the present application may be applied;

fig. 10 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present application.

Detailed Description

The following description of the exemplary embodiments of the present application, taken in conjunction with the accompanying drawings, includes various details of the embodiments of the application for the understanding of the same, which are to be considered exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present application. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness. According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.

FIG. 1 is a schematic diagram of a main flow of a pricing method according to an embodiment of the application, as shown in FIG. 1, the pricing method including:

and step S101, receiving a pricing request, and acquiring a corresponding entity identifier, an item identifier and an organization identifier.

In this embodiment, the executing entity (for example, the server) of the pricing method may receive the pricing request through a wired connection or a wireless connection. In particular, the pricing request may be, for example, a request for different pricing for different user groups of the same item. The article may be a financial article, an entity commodity or a virtual service commodity, and the type of the article is not specifically limited in the embodiment of the present application.

After receiving a pricing request, an executing body can acquire an entity identifier, an object identifier and an organization identifier carried in the request. The entity identifier may be, for example, a sub-organization identifier or an identifier corresponding to a user. For example, the entity identifier may be, for example, one or several of a division name, a user number, or a user name, and the entity identifier is not specifically limited in this embodiment of the application. The item identifier is used to characterize an identifier of an item to be priced, and may be, for example, an item number, an item name, and the like. The mechanism identifier may be, for example, a sub-mechanism identifier or a total mechanism identifier, and the mechanism identifier is not specifically limited in this embodiment of the present application.

And S102, opening the access right to the authorized pricing table, and determining the authorized pricing range from the authorized pricing table according to the mechanism identification.

After the execution main body obtains the mechanism identifier, the execution main body may determine the type of the mechanism corresponding to the mechanism identifier, for example, the mechanism may be a sub-mechanism or a main mechanism, and when the mechanism corresponding to the mechanism identifier is a sub-mechanism, the execution main body may determine the main mechanism corresponding to the sub-mechanism, open the access right of the main mechanism to the authorized pricing table obtained by performing authorized pricing on each sub-mechanism, and further obtain the authorized pricing range of the main mechanism to the sub-mechanism from the authorized pricing table, including the pricing upper limit and the pricing lower limit.

Step S103, calling a white list acquisition process to acquire a white list corresponding to the article identifier, and further determining the target workflow according to the entity identifier and the white list.

The white list corresponding to the item identifier may be a white list of a plurality of batches corresponding to the item identifier. Where multiple batches may be a hierarchy of pricing. Users of the same batch enjoy the same interest rate pricing. After the executing body obtains the entity identifier, a white list obtaining process can be called to obtain a corresponding white list according to the article identifier. Further, it may be determined whether the entity identifier is in a white list corresponding to the obtained item identifier, so as to determine the target workflow according to the determination result.

And step S104, executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data.

After determining the target workflow, the execution main body can judge the number of the processes corresponding to the target workflow, and when the number exceeds one, the execution main body can asynchronously call multiple processes to execute the target workflow, so that the pricing rate is accelerated, and the pricing accuracy is improved.

In the embodiment, by receiving the pricing request, the corresponding entity identifier, article identifier and mechanism identifier are obtained; opening the access right to the authorized pricing table, and further determining an authorized pricing range from the authorized pricing table according to the mechanism identification; calling a white list acquisition process to acquire a white list corresponding to the article identifier, and further determining a target workflow according to the entity identifier and the white list; and executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data. The method can realize rapid and accurate differential pricing of different user groups of the same article, and has low development and maintenance cost and good effect.

FIG. 2 is a schematic flow chart of a pricing method according to an embodiment of the present application, as shown in FIG. 2, the pricing method includes:

step S201, receiving a pricing request, and acquiring a corresponding entity identifier, an item identifier, and an organization identifier.

The pricing request may be, for example, a request for different pricing for different user groups of the same item. The article may be a financial article, an entity article or a virtual service article, and the type of the article is not specifically limited in the embodiment of the present application. The entity identifier may be, for example, a sub-organization identifier or a user identifier corresponding to the user. For example, the entity identifier may be one or more of a division name, a user number, or a user name, and the entity identifier is not specifically limited in this embodiment of the application. The item identifier is used to represent an identifier of an item to be priced, and may be, for example, an item number, an item name, and the like. The mechanism identifier may be, for example, a sub-mechanism identifier or a total mechanism identifier, and the mechanism identifier is not specifically limited in this embodiment of the present application.

And step S202, opening the access right to the authorized pricing table, and further determining the authorized pricing range from the authorized pricing table according to the organization identification.

Specifically, after determining the authorized pricing range, the pricing method further includes:

obtaining evaluation data corresponding to entity identification, such as branch organization or user; extracting dimension features corresponding to the evaluation data based on preset dimensions; and calling the pricing model to determine and output corresponding pricing data according to the dimension characteristics.

The preset dimensions may include, for example, a resource holding dimension, a market competition dimension, a business development dimension, an operational benefit dimension, a risk management and control dimension, a comprehensive contribution dimension, a business development prospect dimension, and the like.

In the embodiment of the application, each branch organization can combine with the evaluation data of resources, market competition, business development, operational benefits, risk management and control and the like, or combine with the evaluation data of user comprehensive contribution, business development prospect, market competition conditions and the like, and implement differentiated pricing for different branch organizations or user groups.

Wherein, confirm the corresponding pricing data according to the dimensional characteristic, also include: and generating a user portrait according to the dimension characteristics, analyzing the user portrait to obtain pricing trend data, determining pricing data corresponding to the current evaluation data according to the pricing trend data, and outputting the pricing data. The pricing trend data may be a pricing trend line graph.

Specifically, a pricing model is invoked, including:

When the user applies for the small and micro enterprise loan, the final loan interest rate is returned according to the pricing model of the region where the user is located.

Step S203, determining all white list batch identifications corresponding to the article identifications, responding to the fact that the white list batch identifications are not empty, and calling the corresponding white lists according to the white list batch identifications.

When the article identifier has the corresponding white list batch identifier, that is, the white list batch identifier corresponding to the article identifier is not empty, the article corresponding to the article identifier is provided with the corresponding white list of each batch, and the interest rate pricing of the white list of each batch is the same. The execution main body can obtain the corresponding white list according to the mapping relation between the white list batch identification and the white list. The number of the white lists corresponding to the item identifier may be one or more, and the number of the white lists corresponding to the item identifier is not specifically limited in the embodiment of the present application.

And step S204, determining the target workflow according to the entity identification and the white list.

Specifically, before determining the target workflow according to the entity identifier and the white list, the method further includes: in response to the white list batch identifier being empty, determining the target workflow as an item level pricing workflow; wherein, the object level pricing workflow comprises: determining a corresponding interest rate according to the mechanism identification and the article identification; and determining the interest rate as pricing data corresponding to the entity identification and outputting the pricing data.

The pricing priority of the item level is lower than that of a white list, and only one interest value is directly bound to the same item of the same branch organization in the pricing mode. When a user carries out a specific loan service, if the user is not a white list user, the object level interest rate is used as the final loan interest rate, namely the pricing data corresponding to the entity identification.

And step S205, executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data.

And when the pricing is in the authorized pricing range, determining the obtained pricing as final pricing data corresponding to the entity identification and outputting the final pricing data. The output mode is various, for example, the output mode may include display screen output, voice broadcast output, output in the form of mail or short message, and the like.

The embodiment of the application can enhance the standardization and fine management of pricing of the branch mechanisms of the general mechanism, and is beneficial to promoting the management and control granularity of the general mechanism to each branch mechanism. Each branch organization can realize the differential pricing of the same article, can make further differential pricing according to different user group types, meets the requirement that each branch organization implements differential pricing according to the conditions of combining resource endowment, market competition, business development, operational benefits, risk control and the like or combining user comprehensive contribution, business development prospect, market competition conditions and the like, and is favorable for providing more powerful support for small and medium-sized micro-enterprises in all parts of the country.

FIG. 3 is a schematic flow chart of a pricing method according to an embodiment of the present application, as shown in FIG. 3, the pricing method includes:

step S301, receiving a pricing request, and acquiring a corresponding entity identifier, an item identifier and an organization identifier.

Step S302, the access right to the authorized pricing table is opened, and the authorized pricing range is determined from the authorized pricing table according to the organization identification.

After receiving the pricing request, the execution main body can jump to a page corresponding to the link carried in the pricing request to acquire a corresponding authorized pricing table and start the access right to the authorized pricing table.

Each agency identifies an associated authorized pricing range, which is given by the general agency. When the agency identifier corresponds to the general agency, the authorized pricing range may be a null value, or may include preset upper and lower threshold values.

Step S303, determining all the white list batch identifiers corresponding to the article identifiers, responding to the fact that the white list batch identifiers are not empty, and calling the corresponding white lists according to the white list batch identifiers.

When the article identifier has the corresponding white list batch identifier, that is, the white list batch identifier corresponding to the article identifier is not empty, the article corresponding to the article identifier is provided with the corresponding white list of each batch, and the interest rate pricing of the white list of each batch is the same. The execution subject can obtain the corresponding white list according to the mapping relation between the white list batch identification and the white list. The number of the white lists corresponding to the article identifier may be one or more, and the number of the white lists corresponding to the article identifier is not specifically limited in the embodiment of the present application.

Step S304, in response to determining that the entity identifier is in the white list, determining a batch identifier corresponding to the entity identifier, matching the batch identifier with each white list batch identifier, and determining the matched white list batch identifier as a target batch identifier.

When the entity identifier is in the white list corresponding to the article identifier, the executing body may determine in which white list batch the entity identifier is specifically located, that is, locate the white list batch corresponding to the entity identifier, and determine the white list batch identifier corresponding to the located white list batch as the target batch identifier.

Step S305, determining the white list pricing workflow corresponding to the target batch identification as the target workflow.

And determining a white list pricing workflow corresponding to the target batch identifier from a preset workflow set, and determining the determined white list pricing workflow as the target workflow. It is understood that the number of the target lot identifications may be one or more.

And step S306, executing the target workflow, further determining pricing data corresponding to the entity identification based on the authorized pricing range, and outputting the pricing data.

Specifically, executing the target workflow, and further determining pricing data corresponding to the entity identifier based on the authorized pricing range includes: determining the number of target batch identifications; responding to the number more than one, and acquiring an interest rate set corresponding to the target batch identifier; carrying out descending ordering on each interest rate in the interest rate set, and determining the interest rate arranged at the last position as a target interest rate; in response to the target interest rate being within the authorized pricing range, the target interest rate is determined as pricing data corresponding to the entity identification. If the same user exists in different batches, the user with the lower interest rate value is selected as the final interest rate.

FIG. 4 is a schematic diagram of a main flow of a pricing method according to an embodiment of the application. The pricing method provided by the embodiment of the application can be applied to a scene of pricing loan interest rates of small and micro enterprises. As shown in fig. 4, a small-sized enterprise may apply for loan from a sub-organization in a small-sized enterprise loan interest rate differentiation pricing management system, after receiving a loan interest rate pricing request, the sub-organization may invoke a sub-organization pricing model (which is managed and controlled by a general organization and is regulated by the general organization, which authorizes the sub-organization to price the small-sized enterprise), and execute a sub-organization pricing process, specifically, according to a priority, first determine whether the sub-organization pricing model meets white list level pricing, if the sub-organization pricing model meets the priority, determine whether the small-sized enterprise is in a white list of applied loan articles (specifically, loan articles), if the small-sized enterprise meets the priority, execute a white list pricing process, and if the small-sized enterprise is not in the white list, execute an article level pricing process. Wherein, the white list pricing binds to the user, and the object level pricing binds to the object.

The white list pricing process binds a batch of white list users while setting the interest rate of the articles, and the white list users can directly select the interest rate of the pricing mode as the final interest rate when carrying out specific loan service without referring to the interest rates of other pricing types. The same object of the same division mechanism can be priced by white lists of a plurality of batches, users in the same batch can enjoy the same interest rate, the interest rates of different batches can be different, and if the same user exists in different batches, the user with the lower interest rate value can be selected as the final interest rate.

The priority of the item level pricing process is lower than that of white list pricing, and only one interest value (namely pricing) is directly bound to the same item of the same branch organization in the pricing mode. The user may use the item level interest rate as his final loan interest rate if the user is not a white list user while engaging in a particular loan transaction.

As shown in fig. 5, which is a main flowchart of a pricing method according to an embodiment of the present application, when a user initiates a pricing request for an item to a branch organization, it may first be determined whether the user is a white list user of the item, if so, a final interest rate is returned according to the pricing of the white list user corresponding to the item, and if not, a final interest rate is returned according to the item level pricing of the item. Therefore, pricing can be rapidly, accurately and automatically carried out according to the user request, and the pricing efficiency and accuracy are improved.

As shown in fig. 6, the whole authorization process is divided into four links of initiation, entry, approval, and audit, each link must be operated in an employee channel by a person on a post related to the head office, and when each link is finished, a workflow system is responsible for distributing tasks in the process to a corresponding post role of the next link until the whole pricing authorization maintenance is finished. The most complicated link of the whole process is to initiate an application link, after the staff of a general organization initiates pricing maintenance operation through staff channels, an approval system can perform a series of pre-check before submission according to different maintenance types, after the check is completed, a task number needs to be generated, various data are landed to each process registration table and a corresponding snapshot table, in subsequent recording, approval and audit processes, only the task state in a related table needs to be updated according to the task number, finally, after the audit link passes, the authorized related data are landed to a control parameter information table, and when the subsequent on-line link reads corresponding interest rate information, the corresponding authorized information data are selected from the finally landed parameter information table.

Fig. 7 is a schematic diagram of a main flow of a pricing method according to an embodiment of the present application, specifically a schematic diagram of a white list-level interest rate differential pricing flow.

Similar to the general agency authorization management process shown in fig. 6, the whole white list level pricing process shown in fig. 7 also includes four links of initiation, entry, approval, and audit, each link is generally operated by a relevant post worker of a relevant sub-agency in an employee channel, and when each link is finished, the workflow system still takes charge of distributing tasks in the process to corresponding post roles of the next link until the whole pricing operation is finished. Wherein, initiating an application link: the related post personnel of the sub-organization clicks a maintenance button, fills in maintenance information, clicks 'confirmation initiation', then carries out verification before submitting in the examination and approval system, generates a task number after passing the verification, records a contract table and a snapshot table, submits a workflow to the process system, and carries out workflow processing by the process system. And (3) recording link: firstly, page initialization is carried out on an employee channel, then white list interest rate information is inquired in an approval system, the interest rate information is input into the employee channel, image materials for pricing are uploaded, submission to the approval system is confirmed, verification is carried out before the approval system submits, a white list file management table is recorded, a snapshot table is updated, a workflow is submitted to a flow system, the workflow is processed by the flow system, and a task state is updated. An auditing link: and browsing the employee channels by post personnel related to the branch organization, acquiring the white list interest rate information from the approval system, confirming whether the information passes or not in the employee channels, submitting the audit opinions, recording the flow opinion information (namely the audit opinion information) in the flow system, submitting the workflow to the flow system, carrying out workflow processing by the flow system, and updating the task state. And (3) an approval link: and browsing the employee channel by post personnel related to the branch organization, acquiring the white list interest rate information from the approval system, confirming whether the information passes or not in the employee channel, submitting approval opinions, recording flow opinion information (namely the approval opinion information) in the flow system, updating a white list interest rate management table, submitting workflow to the flow system, carrying out workflow processing by the flow system, and updating the task state.

Different from the general organization authorization management and other types of pricing processes, white list level pricing not only needs to perform a series of pre-check sum landing related process registration tables in an initiating link, but also needs to bind a batch of white list users in a batch processing mode in an entering link, users in the same batch enjoy the same interest rate, the interest rates in different batches can be different, and if the same user exists in different batches, the user with the lower interest rate value can be selected as the final interest rate. In the subsequent examination and approval links, the pricing information of the white list is displayed, related examination and approval personnel can browse the white list user information priced in the batch, after the final examination and approval is passed, the pricing information and the white list user information are required to be respectively placed in corresponding pricing information tables, and when the corresponding interest rate information is read in the subsequent online link, the data in the two pricing information tables are required to be referred and integrated, so that the final interest rate value can be obtained. The development and maintenance cost is lower, and the system resource can be further integrated by the general organization. And a more refined pricing management mode can be provided, and the efficiency and the accuracy of differential pricing are improved.

FIG. 8 is a schematic diagram of the main elements of a pricing apparatus according to an embodiment of the application. As shown in fig. 8, the pricing apparatus 800 includes a receiving unit 801, an authorized pricing range determining unit 802, a target workflow determining unit 803, and a pricing unit 804.

A receiving unit 801 configured to receive a pricing request, and obtain corresponding entity identifiers, item identifiers, and organization identifiers;

an authorized pricing range determining unit 802 configured to open access to the authorized pricing schedule, and further determine an authorized pricing range from the authorized pricing schedule according to the agency identifier;

a target workflow determination unit 803, configured to invoke a white list acquisition process to acquire a white list corresponding to the item identifier, and further determine a target workflow according to the entity identifier and the white list;

and the pricing unit 804 is configured to execute the target workflow, and further determine and output pricing data corresponding to the entity identification based on the authorized pricing range.

In some embodiments, the target workflow determination unit 803 is further configured to: and determining all white list batch identifications corresponding to the article identifications, and calling corresponding white lists according to the white list batch identifications in response to the fact that the white list batch identifications are not null.

In some embodiments, the target workflow determination unit 803 is further configured to: in response to the fact that the entity identification is determined to be in the white list, determining batch identification corresponding to the entity identification, matching the batch identification with each white list batch identification, and determining the matched white list batch identification as target batch identification; and determining the white list pricing workflow corresponding to the target batch identification as the target workflow.

In some embodiments, pricing unit 804 is further configured to: determining the number of target batch identifications; responding to the number more than one, and acquiring an interest rate set corresponding to the target batch identifier; carrying out descending ordering on each interest rate in the interest rate set, and determining the interest rate arranged at the last position as a target interest rate; in response to the target interest rate being within the authorized pricing range, the target interest rate is determined as pricing data corresponding to the entity identification.

In some embodiments, the target workflow determination unit 803 is further configured to: in response to the white list batch identifier being empty, determining the target workflow as an item level pricing workflow; wherein the item level pricing workflow is configured to: determining a corresponding interest rate according to the mechanism identification and the article identification; and determining the interest rate as pricing data corresponding to the entity identification and outputting the pricing data.

In some embodiments, pricing unit 804 is further configured to: obtaining evaluation data corresponding to the entity identification; extracting dimension characteristics corresponding to the evaluation data based on a preset dimension; and calling the pricing model to determine and output corresponding pricing data according to the dimension characteristics.

In some embodiments, pricing unit 804 is further configured to: and determining the attribution corresponding to the mechanism identification, and calling the pricing model corresponding to the attribution.

It should be noted that the pricing method and the pricing device of the present application have corresponding relationships in the implementation contents, and therefore, the description of the repeated contents is omitted.

FIG. 9 illustrates an exemplary system architecture 900 to which a pricing method or pricing apparatus of embodiments of the present application may be applied.

As shown in fig. 9, the system architecture 900 may include

terminal devices

901, 902, 903, a network 904, and a server 905. Network 904 is the medium used to provide communication links between

terminal devices

901, 902, 903 and server 905. Network 904 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may use the

terminal devices

901, 902, 903 to interact with a server 905 over a network 904 to receive or send messages and the like. The

end devices

901, 902, 903 may have installed thereon various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

901, 902, 903 may be various electronic devices having pricing processing screens and supporting web browsing, including but not limited to smart phones, tablets, laptop portable computers, desktop computers, and the like.

The server 905 may be a server providing various services, such as a back-office management server (for example only) providing support for pricing requests submitted by users using the

terminal devices

901, 902, 903. The background management server can receive the pricing request and acquire the corresponding entity identification, article identification and mechanism identification; opening the access right to the authorized pricing table, and determining an authorized pricing range from the authorized pricing table according to the mechanism identification; calling a white list acquisition process to acquire a white list corresponding to the article identifier, and further determining a target workflow according to the entity identifier and the white list; and executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data. The method can realize rapid and accurate differential pricing of different user groups of the same article, and has low development and maintenance cost and good effect.

It should be noted that the pricing method provided in the embodiment of the present application is generally executed by the server 905, and accordingly, the pricing apparatus is generally disposed in the server 905.

It should be understood that the number of terminal devices, networks, and servers in fig. 9 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 10, shown is a block diagram of a computer system 1000 suitable for use in implementing a terminal device of an embodiment of the present application. The terminal device shown in fig. 10 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.

As shown in fig. 10, the computer system 1000 includes a Central Processing Unit (CPU) 1001 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 1002 or a program loaded from a storage section 1008 into a Random Access Memory (RAM) 1003. In the RAM1003, various programs and data necessary for the operation of the computer system 1000 are also stored. The CPU1001, ROM1002, and RAM1003 are connected to each other via a bus 1004. An input/output (I/O) interface 1005 is also connected to bus 1004.

The following components are connected to the I/O interface 1005: an input section 1006 including a keyboard, a mouse, and the like; an output section 1007 including a display such as a Cathode Ray Tube (CRT), a liquid crystal credit authorization query processor (LCD), and the like, and a speaker; a storage portion 1008 including a hard disk and the like; and a communication section 1009 including a network interface card such as a LAN card, a modem, or the like. The communication section 1009 performs communication processing via a network such as the internet. The driver 1010 is also connected to the I/O interface 1005 as necessary. A removable medium 1011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1010 as necessary, so that a computer program read out therefrom is mounted into the storage section 1008 as necessary.

In particular, according to embodiments disclosed herein, the processes described above with reference to the flow diagrams may be implemented as computer software programs. For example, embodiments disclosed herein include a computer program article comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from the network through the communication part 1009 and/or installed from the removable medium 1011. The computer program executes the above-described functions defined in the system of the present application when executed by the Central Processing Unit (CPU) 1001.

It should be noted that the computer readable medium shown in the present application may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may include, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program articles according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present application may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes a receiving unit, an authorized pricing range determining unit, a target workflow determining unit, and a pricing unit. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.

As another aspect, the present application also provides a computer-readable medium, which may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to receive a pricing request and obtain corresponding entity, item, and entity identifiers; opening the access right to the authorized pricing table, and determining an authorized pricing range from the authorized pricing table according to the mechanism identification; calling a white list acquisition process to acquire a white list corresponding to the article identifier, and further determining a target workflow according to the entity identifier and the white list; and executing the target workflow, and further determining pricing data corresponding to the entity identification based on the authorized pricing range and outputting the pricing data. The method can realize rapid and accurate differential pricing of different user groups of the same article, and has low development and maintenance cost and good effect.

The computer program product of the present application, comprising a computer program which, when executed by a processor, implements the pricing method of embodiments of the present application.

According to the technical scheme of the embodiment of the application, different user groups of the same article can be quickly and accurately priced differently, and the method is low in development and maintenance cost and good in effect.

The above-described embodiments are not intended to limit the scope of the present disclosure. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A pricing method, comprising:

opening the access right to the authorized pricing table, and determining an authorized pricing range from the authorized pricing table according to the mechanism identification;

2. The method according to claim 1, wherein said invoking a white list obtaining process to obtain a white list corresponding to the item identifier comprises:

and determining all white list batch identifications corresponding to the article identification, responding to the fact that the white list batch identifications are not empty, and calling the corresponding white lists according to the white list batch identifications.

3. The method of claim 2, wherein determining a target workflow based on the entity identification and the white list comprises:

in response to determining that the entity identification is in the white list, determining batch identifications corresponding to the entity identification, matching the batch identifications with the white list batch identifications, and determining the matched white list batch identifications as target batch identifications;

4. The method of claim 3, wherein the executing the target workflow to determine pricing data corresponding to the entity identification based on the authorized pricing ranges comprises:

determining the number of the target batch identifications;

responding to the number exceeding one, and acquiring an interest rate set corresponding to the target batch identification;

in response to the target interest rate being within the authorized pricing range, determining the target interest rate as pricing data corresponding to the entity identification.

5. The method of claim 2, wherein prior to said determining a target workflow based on said entity identification and said whitelist, said method further comprises:

in response to the white list batch identifier being empty, determining that a target workflow is an item level pricing workflow; wherein the item level pricing workflow comprises:

determining a corresponding interest rate according to the mechanism identifier and the article identifier;

and determining the interest rate as pricing data corresponding to the entity identification and outputting the interest rate.

6. The method of claim 1, wherein after the determining an authorized pricing range, the method further comprises:

obtaining evaluation data corresponding to the entity identification;

extracting dimension characteristics corresponding to the evaluation data based on preset dimensions;

and calling a pricing model to determine and output corresponding pricing data according to the dimension characteristics.

7. The method of claim 6, wherein invoking the pricing model comprises:

and determining the attribution corresponding to the mechanism identification, and then calling a pricing model corresponding to the attribution.

8. A pricing apparatus, comprising:

the authorized pricing range determining unit is configured to open access right to an authorized pricing table, and further determine an authorized pricing range from the authorized pricing table according to the mechanism identification;

a target workflow determination unit configured to invoke a white list acquisition process to acquire a white list corresponding to the item identifier, and further determine a target workflow according to the entity identifier and the white list;

9. The apparatus of claim 8, wherein the target workflow determination unit is further configured to:

10. The apparatus of claim 9, wherein the target workflow determination unit is further configured to:

11. The apparatus of claim 10, wherein the pricing unit is further configured to:

determining the number of the target batch identifications;

in response to the target interest rate being within the authorized pricing range, determining the target interest rate as the entity identification corresponding pricing data.

12. The apparatus of claim 9, wherein the target workflow determination unit is further configured to:

in response to the white list batch identifier being empty, determining that a target workflow is an item level pricing workflow; wherein the item level pricing workflow is configured to:

13. The apparatus of claim 8, wherein the pricing unit is further configured to:

obtaining evaluation data corresponding to the entity identification;

14. A pricing electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-7.

15. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, is adapted to carry out the method of any one of claims 1-7.

16. A computer program article comprising a computer program, characterized in that the computer program, when executed by a processor, implements the method of any one of claims 1-7.