CN116128630A

CN116128630A - Funds routing method, system, equipment and storage medium

Info

Publication number: CN116128630A
Application number: CN202211730903.6A
Authority: CN
Inventors: 孙建彬; 王少杰; 杨艺飞
Original assignee: Beijing Junhang Weijin Information Technology Co ltd
Current assignee: Beijing Junhang Weijin Information Technology Co ltd
Priority date: 2022-12-30
Filing date: 2022-12-30
Publication date: 2023-05-16

Abstract

The application discloses a fund routing method, a fund routing system, fund routing equipment and a fund routing storage medium. According to the technical scheme of the application, the fund routing method is used for realizing the routing of the user borrowing application from a front-end channel to an organization end, and comprises the following steps: step 1) obtaining channel entries about user borrowing applications from a plurality of channels; step 2) based on configuration information and/or rule engine calculation, selecting financial products of corresponding institutions meeting the conditions, and realizing diversion judgment; if the flow guiding judgment is that the selected mechanism passes the audit, the money release is successful; and 3) if not, turning to the step 2) to carry out diversion judgment again until the mechanism passes the audit, the money release is successful or the set condition is reached, and ending the diversion judgment. The invention improves the channel access speed, reduces the access cost, standardizes the flow access and intelligent fund routing service in multiple scenes, and obviously improves the conversion rate of the flow, the success rate of the paying and the satisfaction degree of users.

Description

Funds routing method, system, equipment and storage medium

Technical Field

The present application relates to the field of funds management, and more particularly, to a funds routing method, system, apparatus, and storage medium.

Background

Along with the rapid development of the fund lending business, the channel butting quantity is obviously increased, the original fund channel butting mode is that a member feeding flow is directly bound with a mechanism to carry out wind control audit and fund party audit, and the payment failure is ended. The method has the defects that the conversion rate is low due to low flow utilization rate, the user experience is poor due to the fact that the auditing is finished after failure, and the service conversion rate is low.

In the mainstream technical solutions in the current industry, in consideration of the problems of docking cost, service independence and the like, a flow platform providing a standard API interface is generally used to perform a docking technology of an internal channel and an external channel, which is called an open platform. The technology can carry out interface access of standard APIs and customized interface access, and satisfies most business scenes. In terms of traffic reentry, a technical scheme of rerouting to other interfaces under the condition of interface timeout or call failure is generally adopted.

The prior art has the following defects:

1. the main channel docking technical scheme in the current industry is to dock through a standard API interface or a customized interface. The interface interaction fails, and the traffic fails, so that the traffic cannot be rerouted, and traffic loss is caused.

2. The current flow reentry technical scheme based on interface dimension can not meet the requirements of the small credit industry.

In order to improve user experience and user conversion rate and re-entry of user traffic, the automatic routing of the fund lending industry has a very wide market prospect. Therefore, how to increase the success rate of funds routing is a technical problem that needs to be solved in the art.

Disclosure of Invention

In view of this, the present application proposes a method, a system, a device and a storage medium for funds routing, so as to achieve a success rate of funds routing.

According to the present application, a method for routing funds is provided, for implementing routing of a user borrowing application from a front-end channel to an institution side, the method comprising:

step 1) obtaining channel entries about user borrowing applications from a plurality of channels;

step 2) based on configuration information and/or rule engine calculation, selecting financial products of corresponding institutions meeting the conditions, and realizing diversion judgment; if the flow guiding judgment is that the selected mechanism passes the audit, the money release is successful;

and 3) if not, turning to the step 2) to carry out diversion judgment again until the mechanism passes the audit, the money release is successful or the set condition is reached, and ending the diversion judgment.

Preferably, the multiple channels in step 1) include an own platform and a third party platform.

Preferably, the self platform has a function of performing wind control auditing on the received user borrowing application.

Preferably, the configuration information of the step 2) includes channel product configuration and organization product configuration; wherein,,

the channel product configuration includes: channel code, channel name, primary product type, secondary product type and docking mode;

the institutional product configuration includes: the mechanism code, the mechanism name, the mechanism group and the butt joint mode.

Preferably, the step 2) specifically includes:

reading configuration information and judging the priority of a feed channel;

calculating the priority of the mechanisms, sorting according to the priority, selecting the mechanism with the highest priority, and carrying out matching according to the products in the configuration information to realize diversion judgment;

if the flow guiding judgment is successful, an order number is generated, and is approved by the institution docking standard interface and then sent to the corresponding institution, and if the flow guiding judgment is successful, the selected institution is approved and the money release is successful.

Preferably, the calculation method specifically includes:

the institutional score Y for the inlet flow is calculated according to the following formula:

Y＝aX1+bX2+cX3+dX4

where a, b, c, d is the set duty cycle, X1 is the channel compliance check, X2 is the channel cost check, X3 is the operating efficiency check, and X4 is the channel availability check.

Preferably, the channel compliance check includes checking the borrowing purpose, the borrowing amount and the borrowing period, and the channel compliance check is directly refused from the channel member if the channel compliance check does not pass.

Preferably, the operation efficiency check includes checking of audit time and release time.

Preferably, the channel availability check includes checking call restriction of the interface, stability of the interface, and restriction information of the borrowing amount; the calling limit of the interface comprises a calling quantity limit and a calling frequency limit of the interface; the stability of the interface comprises judgment of continuous error reporting times and overtime, and the interface is considered to be unstable when the continuous error reporting times reach a set value or overtime.

Preferably, the step 2) specifically includes: based on the configuration information, selecting financial products of corresponding institutions meeting the conditions from preset designated institutions, and realizing diversion judgment; if the flow guiding judgment is successful, the selected institution auditing is successful.

Preferably, the step 2) further includes checking the admission rule before; the method specifically comprises the steps of checking the necessary filling items of the data, historical buying records of the user and historical refusal credits.

Preferably, the method further comprises a step of dynamically modifying the configuration information.

According to yet another aspect of the present application, there is provided a funds routing system for effecting routing of a user borrowing application from a front-end channel to an institution-side, the system comprising:

the acquisition module is used for acquiring channel entries about the user borrowing application from a plurality of channels;

the diversion judgment module is used for selecting financial products of corresponding institutions meeting the conditions based on configuration information and/or rule engine calculation to realize diversion judgment; if the flow guiding judgment is successful, the selected institution auditing is successful; if the diversion judgment fails, the diversion judgment is carried out again until the agency checks pass, the money release is successful or the set condition is reached, and the diversion judgment is finished.

The application also provides a computer device comprising a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor is used for realizing the fund routing method when executing the computer program.

The present application also provides a computer readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the above-described funds routing method of the present application.

According to the technical scheme of the application, the method has the following technical advantages:

1. configuration management of channel products can be carried out, basic data basis is provided for a rule engine, channel access speed is improved, and access cost is reduced;

2. configuration management of organization products can be carried out, basic data basis is provided for a rule engine, channel access speed is improved, and access cost is reduced;

3. the automatic pushing rule engine and the personalized pushing rule engine are provided and used as core code logic of the system, so that the success rate of paying money is improved;

4. the standardized flow access and intelligent fund routing service of multiple scenes obviously improves the conversion rate of flow, the success rate of money release and the satisfaction of users;

5. full life cycle management of order and settlement can be performed;

6. the method has the functions of real-time data monitoring, data analysis and intelligent decision making of the whole business process.

Additional features and advantages of the present application will be set forth in the detailed description which follows.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application, illustrate embodiments of the application and together with the description serve to explain the application. In the drawings:

FIG. 1 is a schematic flow diagram of a funds routing method of the present invention;

FIG. 2 is a schematic diagram of interactions within and outside of the funds routing system of the present invention;

FIG. 3 is a schematic diagram comparing a prior art method with the present invention; FIG. 3 (a) is a direct binding mechanism of the inlet flow, FIG. 3 (b) is an added mechanism route based on FIG. 3 (a), and FIG. 3 (c) is the idea of the invention;

FIG. 4 is an example configuration information;

fig. 5 is a design roadmap of the invention.

Detailed Description

Noun interpretation

The partner: companies with cooperative relationships are collectively referred to as cooperators;

channel: the client side collects user information and sends the user information to a front-end channel side of the fund routing system;

and (3) a platform: the fund routing system is responsible for filtering the credit forward data, processing the forward data according to various pushing rules configured by the platform and pushing the forward data to the organization side;

the mechanism comprises: the method refers to a party receiving and auditing the user feed data and provides a service party after lending in a lending for the user; supporting configuration of a plurality of organization products under one cooperator; comprises an in-house APP;

the invention screens out the optimal channel meeting the service requirement for the micro credit based on the requirements of the loan-aid service and the attribute characteristics of the fund channel. The intelligent channel comprises channel product configuration management and institution product configuration management, and has an automatic pushing rule engine and a personalized pushing rule engine, meets the requirements of standardized service flow access and intelligent fund routing of multiple scenes, has full life cycle service management capability of order and settlement, and has real-time data monitoring, data analysis and intelligent auxiliary analysis functions of full service flow.

The technical solutions of the present application will be described in detail below with reference to the accompanying drawings in combination with embodiments.

Example 1

As shown in fig. 1, embodiment 1 of the present invention provides a funds routing method for implementing routing of a user borrowing application from a front-end channel to an institution side, the method comprising:

step 2) based on configuration information and/or rule engine calculation, selecting financial products of corresponding institutions meeting the conditions, and realizing diversion judgment; if the flow guiding judgment is successful, the selected institution auditing is successful;

The system external asset end supports the channel feed and own platform flow, and the fund end supports the external fundable mechanism and own funding mechanism.

The flow chart of the interaction between the inside and the outside of the system is shown in figure 2.

The schematic diagram is shown in figure 3 in comparison with the prior art. FIG. 3 (a) is a direct binding mechanism of the inlet flow, FIG. 3 (b) is an added mechanism route based on FIG. 3 (a), and FIG. 3 (c) is the idea of the invention;

fig. 3 (a) is a conventional method, in which the incoming flow is directly bound to the organization, and the wind control audit and the fund party audit are performed, so that the payment failure is ended. The method has the defects that the conversion rate is low due to low flow utilization rate, and the user experience is poor due to the fact that the auditing is finished after failure.

FIG. 3 (b) is an illustration of an added organization routing, where the incoming flow reads some rule-compliant organization lists according to some configuration information, and the system pushes the organization according to the lists, and if the payment fails, but can be conducted, the system continues to re-organization routing. The disadvantage is that the configuration is single, the fund amount limit and the use limit cannot be compatible, the cash discharge rate is low, and the user experience is poor due to the fact that the optimal mechanism cannot be matched.

FIG. 3 (c) is an illustration of the addition of a rules engine for dynamically computing the optimal institution, selecting the desired, available, lowest interest institution product for the user. The cash discharge rate is remarkably improved, and meanwhile, the satisfaction degree of users is improved.

Dynamic configuration information management, including channel configuration, organization configuration, is shown in fig. 4.

The channel product configuration mainly comprises the information of configuration channel codes, channel names, primary product types, secondary product types, docking modes and the like.

The configuration of the mechanism products mainly configures information such as mechanism codes, mechanism names, mechanism groups, docking modes and the like. The product belongs to a group of institutions, such as a consumer finance payroll group, a small credit group, etc.

The rule engine reads configuration information by default, the corresponding relation between the channels and the institutions is matched through the corresponding relation between the product groups and the institution groups, and in general, one channel is matched to a plurality of institutions, and the institutions need to be selected preferentially through the rule engine.

The rule engine comprises an automatic pushing engine and a personalized pushing engine. The automatic pushing engine calculates the priority of the mechanism list by the program, the mechanism is matched in sequence, the personalized pushing engine operates the priority of the appointed mechanism, and the program is matched in sequence according to the configuration priority.

And the system rule engine is used for calculating the organization information needing to be routed. The engine performs scoring calculation from four dimensions and performs routing of the mechanism according to the score. The calculation model formula is as follows:

Y＝aX1+bX2+cX3+dX4

wherein X1 represents a check term, a, b, c, d is a duty ratio coefficient, the mechanism scores of the feed flow are calculated through the formula, the priority ranking is carried out according to the scores, and the mechanism with the best default priority matching is recommended to the user.

X1: the channel compliance check, the bottom line of the channel route, must satisfy the channel to conduct transactions under its compliance requirements. Compliance includes verification of access information for borrowing purposes, borrowing amounts, borrowing periods, and the like, and compliance is not directly denied.

X2: the channel cost checks, providing the best service with the least cost. Verification of collaboration mode service costs.

X3: and the operation efficiency is checked, and the service development is greatly promoted through the improvement of the operation efficiency. The verification of the auditing time and the paying time is included.

X4: and the channel availability check meets the service use scene and provides good service experience for users and institutions. The interface calling limit, the interface stability and the borrowing amount limit information are included for verification. The call limit of the interface comprises the call quantity limit of the interface and the call frequency QPS limit of the interface. The stability of an interface refers to whether the interface is stable currently, and if continuous error reporting or overtime occurs, the channel is regarded as the interface to be unstable.

Meanwhile, if the mechanism of the first matching fails in paying money, the flow can be routed for the second time, and a new round of mechanism matching is performed.

Fig. 5 is a design roadmap for the present method.

Example 2

Embodiment 2 of the present invention provides a funds routing system implemented according to the method of embodiment 1, the system comprising:

Example 3

Embodiment 3 of the present invention may also provide a computer apparatus, including: at least one processor, memory, at least one network interface, and a user interface. The various components in the device are coupled together by a bus system. It will be appreciated that a bus system is used to enable connected communications between these components. The bus system includes a power bus, a control bus, and a status signal bus in addition to the data bus.

The user interface may include, among other things, a display, a keyboard, or a pointing device (e.g., a mouse, track ball, touch pad, or touch screen, etc.).

It is to be understood that the memory in the embodiments disclosed herein may be either volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. The nonvolatile Memory may be a Read-Only Memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an Electrically Erasable EPROM (EEPROM), or a flash Memory. The volatile memory may be random access memory (Random Access Memory, RAM) which acts as an external cache. By way of example, and not limitation, many forms of RAM are available, such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (Double Data Rate SDRAM), enhanced SDRAM (ESDRAM), synchronous DRAM (SLDRAM), and Direct RAM (DRRAM). The memory described herein is intended to comprise, without being limited to, these and any other suitable types of memory.

In some implementations, the memory stores the following elements, executable modules or data structures, or a subset thereof, or an extended set thereof: an operating system and application programs.

The operating system includes various system programs, such as a framework layer, a core library layer, a driving layer, and the like, and is used for realizing various basic services and processing hardware-based tasks. Applications, including various applications such as Media Player (Media Player), browser (Browser), etc., are used to implement various application services. The program implementing the method of the embodiment of the present disclosure may be contained in an application program.

In the above embodiment, the processor may be further configured to call a program or an instruction stored in the memory, specifically, may be a program or an instruction stored in an application program:

the steps of the method of example 1 are performed.

The method of embodiment 1 may be applied to, or implemented by, a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general purpose processor, a digital signal processor (Digital Signal Processor, DSP), an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), a field programmable gate array (Field Programmable Gate Array, FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components. The various methods, steps and logic blocks disclosed in embodiment 1 may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with embodiment 1 may be embodied directly in hardware, in a decoded processor, or in a combination of hardware and software modules in a decoded processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.

It is to be understood that the embodiments described herein may be implemented in hardware, software, firmware, middleware, microcode, or a combination thereof. For a hardware implementation, the processing units may be implemented within one or more application specific integrated circuits (Application Specific Integrated Circuits, ASIC), digital signal processors (Digital Signal Processing, DSP), digital signal processing devices (DSP devices, DSPD), programmable logic devices (Programmable Logic Device, PLD), field programmable gate arrays (Field-Programmable Gate Array, FPGA), general purpose processors, controllers, microcontrollers, microprocessors, other electronic units configured to perform the functions described herein, or a combination thereof.

For a software implementation, the inventive techniques may be implemented with functional modules (e.g., procedures, functions, and so on) that perform the inventive functions. The software codes may be stored in a memory and executed by a processor. The memory may be implemented within the processor or external to the processor.

Example 4

Embodiment 4 of the present invention may also provide a nonvolatile storage medium for storing a computer program. The steps of the above-described method embodiments may be implemented when the computer program is executed by a processor.

The preferred embodiments of the present application have been described in detail above, but the present application is not limited to the specific details of the above embodiments, and various simple modifications may be made to the technical solutions of the present application within the scope of the technical concept of the present application, and all the simple modifications belong to the protection scope of the present application.

In addition, the specific features described in the foregoing embodiments may be combined in any suitable manner, and in order to avoid unnecessary repetition, various possible combinations are not described in detail.

Experimental data

By adopting the method, the overall operation effect is improved by 50%. The flow conversion is improved by 65%, the channel docking efficiency is improved by 80%, the service scale is improved by 3 times, the service income is increased by 50%, and the flow conversion rate, the cash discharge success rate and the user satisfaction are obviously improved.

Summary of the invention

The traffic may be configured according to the priority of the institution, automatically reenter the system, and perform the institution to select the funds route. The calculation model of route matching and the technical proposal of flow secondary reentry are the core of the mechanism route;

the service flow does not need secondary development, and the pushing mechanism is switched at any time;

the service access of multiple scenes can be realized by directly butting channels, butting standard API (application program interface) diversion and re-entering after the failure of the butting flow.

Moreover, any combination of the various embodiments of the present application may be made without departing from the spirit of the present application, which should also be considered as the disclosure of the present invention.

Claims

1. A funds routing method for effecting routing of a user borrowing application from a front-end channel to an institution-side, the method comprising:

2. The funds routing method of claim 1, wherein the plurality of channels of step 1) include an owned platform and a third party platform.

3. The funds routing method of claim 2, wherein the self-owned platform has the capability of performing a pneumatic audit of the received user borrowing application.

4. The funds routing method of claim 1, wherein the configuration information of step 2) includes channel product configuration and institution product configuration; wherein,,

5. The funds routing method of claim 4, wherein said step 2) specifically comprises:

reading configuration information and judging the priority of a feed channel;

6. The funds routing method of claim 5, wherein the computing method specifically comprises:

Y＝aX1+bX2+cX3+dX4

7. The funds routing method of claim 6, wherein the channel compliance check includes verification of borrowing use, borrowing amount, and borrowing period, and channel compliance check is not passed and is rejected directly from the channel feed.

8. The funds routing method of claim 6, wherein the operational efficiency check comprises verification of audit time and payoff time.

9. The funds routing method of claim 6, wherein the channel availability check includes verification of call restrictions of the interface, stability of the interface, limit information of the borrowing amount; the calling limit of the interface comprises a calling quantity limit and a calling frequency limit of the interface; the stability of the interface comprises judgment of continuous error reporting times and overtime, and the interface is considered to be unstable when the continuous error reporting times reach a set value or overtime.

10. The funds routing method of claim 4, wherein said step 2) specifically comprises: based on the configuration information, selecting financial products of corresponding institutions meeting the conditions from preset designated institutions, and realizing diversion judgment; if the flow guiding judgment is successful, the selected institution auditing is successful.

11. The funds routing method of claim 1, wherein said step 2) is preceded by a check of admission rules; the method specifically comprises the steps of checking the necessary filling items of the data, historical buying records of the user and historical refusal credits.

12. The funds routing method of claim 1, further comprising the step of dynamically modifying configuration information.

13. A funds routing system for effecting routing of a user borrowing application from a front-end channel to an institution-side, the system comprising:

14. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 12 when executing the computer program.

15. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, causes the processor to perform the method of any one of claims 1 to 12.