WO2019019624A1 - 控制撤单退款的方法、装置、计算机设备及存储介质 - Google Patents

控制撤单退款的方法、装置、计算机设备及存储介质 Download PDF

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WO2019019624A1
WO2019019624A1 PCT/CN2018/077180 CN2018077180W WO2019019624A1 WO 2019019624 A1 WO2019019624 A1 WO 2019019624A1 CN 2018077180 W CN2018077180 W CN 2018077180W WO 2019019624 A1 WO2019019624 A1 WO 2019019624A1
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enterprise
enterprises
credit value
same group
same
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PCT/CN2018/077180
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English (en)
French (fr)
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金飞虎
丁杰
杨辛未
陈杰
邵正铂
马向东
张捷
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平安科技（深圳）有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of computer processing, and in particular, to a method, device, computer device and storage medium for controlling a refund of a withdrawal.
  • the refund can be processed, but because the long-term health insurance premium is relatively high, the refund will take up the customer's money, affecting the probability and timeliness of re-purchase, but if the individual customer withdraws the ticket immediately after the withdrawal, Then, if the insurance company did not have a successful deduction at the time but made a refund, if the relevant personnel did not make the corresponding supplementary payment, it would cause losses to the insurance company, and the risk was too high.
  • a method, apparatus, computer device, and storage medium for controlling a refund of a withdrawal are provided.
  • a method of controlling a refund of a withdrawal including:
  • the withdrawal is allowed and a real-time refund is performed.
  • a device for controlling a refund of a withdrawal including:
  • An identifier extraction module configured to receive a withdrawal request sent by the user terminal, and extract an enterprise identifier included in the withdrawal request, where the enterprise identifier is used to uniquely identify an enterprise;
  • An information extraction module configured to extract, according to the enterprise identifier, information about influencing factors that affect an enterprise credit value from a database
  • a calculation module configured to calculate, according to the influencing factor information, an enterprise credit value corresponding to the enterprise
  • a determining module configured to determine whether the calculated enterprise credit value is greater than a preset standard credit value
  • the same group enterprise acquiring module is configured to acquire the same group enterprise corresponding to the enterprise if the enterprise credit value is greater than a preset standard credit value, where the same group enterprise has the same scale and has the same enterprise credit value Set of companies;
  • a determining module configured to determine a probability of a premium payment corresponding to the same group of enterprises
  • the refund module is configured to allow the withdrawal of the order and perform a real-time refund if the probability of the supplementary payment corresponding to the same group of enterprises is greater than a preset probability value.
  • a computer device comprising a memory and one or more processors having computer readable instructions stored thereon, the computer readable instructions being executed by the one or more processors to implement any one of the implementations of the present application
  • One or more non-transitory computer readable storage media storing computer readable instructions that, when executed by one or more processors, implement control withdrawals provided in any one embodiment of the present application Steps to the method of refund.
  • 1 is an application scenario diagram of a method of controlling a refund of a withdrawal in accordance with one or more embodiments.
  • FIG. 2 is a block diagram of a computer device in accordance with one or more embodiments.
  • FIG. 3 is a flow diagram of a method of controlling a refund of a withdrawal in accordance with one or more embodiments.
  • FIG. 4 is a flow chart of a method for calculating an enterprise credit value corresponding to an enterprise based on influencing factor information, in accordance with one or more embodiments.
  • FIG. 5 is a flowchart of a method for acquiring a group of enterprises corresponding to an enterprise according to one or more embodiments, and a group of enterprises refers to a group of enterprises having the same enterprise scale and having the same enterprise credit value.
  • FIG. 6 is a flow chart of a method for controlling a refund of a withdrawal in another embodiment.
  • FIG. 7 is a block diagram of an apparatus for controlling a refund of a withdrawal in accordance with one or more embodiments.
  • FIG. 8 is a block diagram of a computing module in accordance with one or more embodiments.
  • Figure 9 is a block diagram of an apparatus for controlling a refund of a withdrawal in another embodiment.
  • the method for controlling the refund of the withdrawal provided by the present application can be applied to the application scenario as shown in FIG. 1 .
  • the terminal 102 communicates with the server 104 over a network.
  • the terminal 102 can be, but is not limited to, various personal computers, notebook computers, smart phones, tablets, and portable wearable devices, and the server 104 can be implemented with a stand-alone server or a server cluster composed of a plurality of servers.
  • the terminal 102 sends a withdrawal request to the server 104, and the server 104 receives the withdrawal request, and extracts the enterprise identifier included in the withdrawal request.
  • the enterprise identifier is used to uniquely identify an enterprise, and the impact is extracted from the database according to the enterprise identifier.
  • Calculating the influencing factor information of the enterprise credit value calculating the credit value of the enterprise corresponding to the enterprise according to the influencing factor information, determining whether the calculated credit value of the enterprise is greater than a preset standard credit value, and if so, acquiring and The same group of enterprises corresponding to the enterprise, the same group of enterprises refers to a set of enterprises having the same scale and having the same enterprise credit value, and determining the probability of the supplementary payment corresponding to the same group of enterprises; If the probability of payment is greater than the preset probability value, the withdrawal is allowed and a real-time refund is made.
  • FIG. 2 is a schematic diagram of the internal structure of a computer device in an embodiment, and the computer device may be a server or a terminal.
  • the computer device includes a processor, a non-volatile storage medium, an internal memory, and a network interface connected by a system bus.
  • the non-volatile storage medium of the computer device can store an operating system, a database, and computer readable instructions that, when executed, can cause the processor to perform a method of controlling a refund of the withdrawal.
  • the processor of the computer device is used to provide computing and control capabilities to support the operation of the entire computer device.
  • the internal memory can store computer readable instructions that, when executed by the processor, cause the processor to perform a method of controlling a refund of the withdrawal.
  • a database of computer devices is used to store data, such as storing enterprise information.
  • the network interface of the computer device is used for network communication. It will be understood by those skilled in the art that the structure shown in FIG. 2 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the computer device to which the solution of the present application is applied.
  • the specific computer device may It includes more or fewer components than those shown in the figures, or some components are combined, or have different component arrangements.
  • a method for controlling a refund of a withdrawal is proposed.
  • the method can be used for both a terminal and a server, and specifically includes the following steps:
  • Step 302 Receive a withdrawal request sent by the user terminal, and extract an enterprise identifier included in the withdrawal request, where the enterprise identifier is used to uniquely identify an enterprise.
  • the individuals who specifically purchase the insurance belong to the employees of the enterprise, and each employee corresponds to an enterprise logo, and the enterprise logo is used to uniquely identify an enterprise.
  • the withdrawal request sent by the user terminal is received by the webpage or the APP, and the withdrawal request carries the enterprise identifier corresponding to the user, so the enterprise identifier corresponding to the user can be directly extracted according to the withdrawal request.
  • Step 304 Extract information about the influencing factors affecting the enterprise credit value from the database according to the enterprise identifier.
  • the influencing factor information for evaluating the enterprise credit value needs to be extracted from the database according to the enterprise identifier.
  • the influencing factors include the size of the business, the size of the premium, the rate of claims, and the payment of the premiums for periodic settlements.
  • the size of the enterprise can be divided into large, medium, small, and micro. Of course, according to the actual situation, it can also be divided into more detailed.
  • the premium size refers to the total premium that the company insures each year.
  • the loss ratio is the percentage of claims and premium income for a certain accounting period.
  • Regular settlement of premium payment refers to the situation of payment within the fixed payment date agreed with the enterprise, whether there is a delay, etc., because the company often has employees entering and leaving the company, the corresponding premiums are required for the employee's entry, and the employee's resignation It is necessary to reduce the corresponding premium, but if you pay once for each job, it will be very troublesome, so the regular payment is usually used for settlement, for example, once a quarter.
  • the influencing factors may also include corporate information and the like. According to the determined influencing factors, the corresponding influencing factors information is extracted from the database, and the image factor information refers to specific information corresponding to the influencing factors. For example, if the influencing factor is the size of the enterprise, then the corresponding specific enterprise scale (for example, small) It is the information of the influencing factors extracted.
  • Step 306 Calculate the enterprise credit value corresponding to the enterprise according to the influencing factor information.
  • the calculation rule corresponding to each influencing factor is obtained, and the credit score corresponding to each influencing factor information is separately calculated, and then the enterprise credit value corresponding to the enterprise is calculated according to the credit score corresponding to each influencing factor information.
  • the influencing factors include the size of the business, the size of the premium, the payout rate, and the payment of the fixed premiums.
  • the specific calculation is as follows: determine the size of the enterprise corresponding to the enterprise, obtain all enterprises with the same enterprise scale as the enterprise, determine the average premium scale corresponding to the enterprise with the same enterprise scale according to the premium scale of each enterprise, and then pass Comparing the premium scale of the enterprise with the average premium scale, and calculating the credit score corresponding to the premium scale; similarly, obtaining the compensation rate corresponding to the enterprise, and the average payout ratio corresponding to the calculated equivalent enterprise scale Comparing, then determining the credit score corresponding to the loss ratio; obtaining the time for the periodic settlement of the premium payment, calculating the number of overdue payment, determining the credit score corresponding to the periodic settlement premium payment according to the calculated number of times; The credit ratio corresponding to the loss ratio and the periodic settlement premium payment determines the credit value corresponding to the enterprise.
  • the specific calculation rules are as follows: 1.
  • the scale of premiums the average premium of companies equal to the size of the same enterprise is 10 points after the standard premium, and for every 10% increase, 1 point is added; the highest is 20 points; for every 10% decrease, Decrease by 1 point and the minimum is 0 points.
  • the loss ratio equal to the company's average company's average loss rate after the standard score of 10 points, for each additional 10%, then add 1 point; the highest 20 points; if not reduced by 10%, then 1 point, the lowest is 0 points.
  • Regular settlement of premium payment The standard is divided into 10 points. If there is overdue payment of premium, it will be reduced by 2 points for each overdue.
  • the method further includes periodically obtaining the credit status of each enterprise on the credit information system, and if the enterprise has a credit default or defaulting on the bank loan, the enterprise credit score is adjusted to 0 in the first time.
  • Step 308 Determine whether the calculated enterprise credit value is greater than a preset standard credit value, and if yes, proceed to step 310, and if no, proceed to step 309.
  • the standard credit value is preset, and after calculating the enterprise credit value corresponding to the enterprise, it is determined whether the enterprise credit value has reached the preset standard credit value, and if not, the credit value of the enterprise is low, Avoid risks and do not refund real-time employees in the company. If the enterprise credit value reaches the preset standard value, it is necessary to further judge whether the probability of the supplementary payment corresponding to the enterprise meets the requirements.
  • step 309 the withdrawal is allowed but no real-time refund is made.
  • the real-time refund has a large risk, so after receiving the withdrawal request from the enterprise employee, the withdrawal is allowed but the real-time withdrawal is not performed. After the subsequent reconciliation is successful, the corresponding refund will be made.
  • Step 310 Acquire a group enterprise corresponding to the enterprise, and the same group enterprise refers to a enterprise group having the same enterprise scale and having the same enterprise credit value.
  • the same group of enterprises refers to a class of enterprises having the same enterprise scale and having the same enterprise credit value. First, determine the size of the current enterprise, and then obtain the same group of enterprises corresponding to the enterprise according to the size of the enterprise and the credit value of the enterprise.
  • Step 312 determining a subsidy probability corresponding to the same group of enterprises.
  • the employee's supplementary payment after the reconciliation is unsuccessful under the enterprise credit value. Probability. Specifically, since the amount of reference data of a single enterprise is limited, it is often not representative. Therefore, in order to obtain the probability of the corresponding supplementary payment more accurately, in this embodiment, the payment of the same group of enterprises corresponding to the enterprise is calculated. Probability to assess the probability of the company making a premium.
  • the number of times is the probability of the supplementary payment corresponding to the same group of enterprises. For example, if the calculated enterprise credit value is 4, then the company has the same enterprise scale as the enterprise (for example, both are small enterprises) and the credit value is For all enterprises with 4, then calculate the average subsidy probability corresponding to all enterprises, that is, the probability of supplementary payment corresponding to the same group of enterprises.
  • step 314 it is determined whether the probability of the supplementary payment corresponding to the same enterprise is greater than a preset probability value. If yes, the process proceeds to step 316. If not, the process proceeds to step 309.
  • determining whether the probability of the supplementary payment corresponding to the same enterprise is greater than a preset probability value for example, If the probability value is 98%, only the same group probability value is greater than 98% to allow real-time refund. If it is less than or equal to 98%, real-time refund is not allowed.
  • step 316 the withdrawal is allowed and a real time refund is made.
  • only the probability that the enterprise credit value is greater than the standard credit value and the same enterprise size of the enterprise and the same enterprise credit value corresponds to the supplementary payment amount is greater than the preset probability value. Allow users to withdraw their orders while making a real-time refund. The double guarantee helps to control the corresponding risks and reduces the risk of implementing real-time refunds.
  • the above method for controlling the withdrawal of the withdrawal order after receiving the withdrawal request, first obtains the influencing factor information affecting the credit value of the enterprise according to the enterprise identification in the withdrawal request, and then calculates the enterprise credit value according to the influencing factor information, and judges the enterprise credit value. Whether the preset standard credit value is reached, and if so, the same group enterprise corresponding to the enterprise is obtained, and if the probability of the supplementary payment corresponding to the same group enterprise is greater than the preset probability value, the withdrawal is allowed and the real-time refund is performed.
  • the method determines whether the user's withdrawal request is refunded in real time by calculating the enterprise credit value and the probability of the payment of the enterprise credit value, thereby reducing the risk of real-time refund for the user, and also Increased the probability and timeliness of re-purchasing of the corresponding user.
  • the step 306 of calculating the enterprise credit value corresponding to the enterprise according to the influencing factor information includes:
  • Step 306A Acquire a calculation rule corresponding to each of the influencing factors.
  • different influencing factors correspond to different calculation rules.
  • calculation rules corresponding to each of the influencing factors are determined. For example, suppose the influencing factors include the size of the enterprise, the scale of the premium, the rate of loss and the payment of the regular settlement of premiums, and the information of the legal person.
  • the corresponding calculation rules can be set as follows: 1.
  • the scale of the premium equal to the average premium of the company of the same enterprise size. The standard is divided into 10 points. For each 10% increase, 1 point is added and the highest is 20 points. For every 10% decrease, the score is reduced by 1 point and the lowest is 0 points.
  • the loss ratio equal to the company's average company's average loss rate after the standard score of 10 points, for each additional 10%, then add 1 point; the highest 20 points; if not reduced by 10%, then 1 point, the lowest is 0 points.
  • Regular settlement of premium payment The standard is divided into 10 points. If there is overdue payment of premium, it will be reduced by 2 points for each overdue.
  • Corporate information The correspondence between credit rating and score is set in advance. The higher the credit rating, the higher the score. For example, the highest level of credit corresponds to 10 points, and each level is reduced by 2 points.
  • Step 306B Calculate the credit score corresponding to each influencing factor according to the influencing factor information corresponding to each influencing factor by using a corresponding calculation rule.
  • the credit score corresponding to each influencing factor information is determined according to the calculating rule.
  • the rules for calculating the scale of premiums are: equal to 10 points for the average premium of companies of the same company size, plus 1 point for every 10% increase, then if the company’s premium is 100,000, the average size of the same enterprise The premium is 80,000, then the company has increased by 25% relative to the average premium, so the corresponding increase of 2 points, so the corresponding score is 12 points.
  • Step 306C Determine the enterprise credit value according to the credit score corresponding to each of the influencing factors.
  • the enterprise credit value corresponding to the enterprise may be calculated according to a preset rule.
  • the enterprise credit value may be obtained by directly summing the credit scores corresponding to each of the influencing factors.
  • the weights of the respective influencing factors are set in advance, and then the enterprise credit value is obtained by the weighted summation calculation.
  • Enterprise credit value is used to indicate the credit level of the enterprise. Only enterprises with high corporate credit value allow the corresponding employees to make real-time refunds.
  • the same group of enterprises refers to the enterprise set having the same enterprise scale and having the same enterprise credit value
  • the step 210 includes:
  • step 310A the size of the enterprise corresponding to the enterprise is determined according to the number of enterprises.
  • the enterprise size corresponding to the enterprise needs to be determined.
  • the enterprise size is divided according to the number of people, for example, according to the number of enterprises.
  • the company's scale is divided into four categories, namely large, medium, small, and micro. Among them, the size of enterprises with less than 100 people is small, the number of enterprises with 100-300 is small, the size of enterprises with 300-1000 is medium-sized, and the scale of enterprises with more than 1,000 is large.
  • a more subtle division can also be performed.
  • an enterprise-scale division can be performed every 50 people.
  • a scale of 0-50 is a type of enterprise, and 50-100 is used.
  • the size of the second type of enterprise, 100-150 as the size of the three types of enterprises, and so on.
  • Step 310B Find the same group of enterprises corresponding to the enterprise according to the enterprise scale and the enterprise credit value, and the same group enterprise refers to the enterprise having the same enterprise scale and having the same enterprise credit value.
  • the same group of enterprises refers to a class of enterprises having the same enterprise scale and having the same enterprise credit value. Since the same group of companies contains a large number of enterprises, it can reflect the overall situation of such enterprises, for example, the payment of the payment. After determining the enterprise scale and enterprise credit value of the enterprise, it is possible to find the same group of enterprises corresponding to the enterprise, so as to facilitate the subsequent determination of the corresponding subsidy probability according to the same group of enterprises.
  • the method before the step 304 of extracting the influencing factor information affecting the enterprise credit value from the database according to the enterprise identifier, the method further includes:
  • step 203 an influencing factor affecting the credit value of the enterprise is obtained.
  • the step 304 of extracting the influencing factor information affecting the enterprise credit value from the database according to the enterprise identifier includes: obtaining the influencing factor information corresponding to the influencing factor from the database according to the enterprise identifier adopting the field matching manner.
  • the preset influencing factors for calculating the enterprise credit value are first obtained, and then the influencing factor information corresponding to the influencing factor is obtained from the database according to the enterprise identifier adopting the field matching manner.
  • the related information of the enterprise is pre-stored in the database, and is in the form of a data table, and each influencing factor information corresponds to the field information.
  • the size of the premium, the loss ratio, etc. are the corresponding field information.
  • determining the probability of the supplementary payment corresponding to the same group of enterprises includes: obtaining the number of payables corresponding to the same group of enterprises and the number of actual payment of the payment, according to the number of supplementary payment and the actual compensation The number of contributions is determined by the probability of the supplementary payment corresponding to the same group of enterprises.
  • the number of times that all the enterprises in the same group of enterprises need to make a supplementary payment (the number of payment of the payment), that is, the reconciliation is not After the success, the number of payment is required, and then the number of actual payment is determined. Finally, according to the number of times the payment is made and the actual number of payment, the corresponding enterprise of the same group is determined. Probability of payment. The probability of the supplementary payment corresponding to the same group of enterprises reflects the overall situation of the payment of the payment by such enterprises. Due to the large amount of data, the stability is high, and the probability of subsequent payment of the corresponding payment for the same group of enterprises is used as an assessment.
  • an apparatus for controlling a refund of a withdrawal comprising:
  • the identifier extraction module 702 is configured to receive a withdrawal request sent by the user terminal, and extract an enterprise identifier included in the withdrawal request, where the enterprise identifier is used to uniquely identify an enterprise;
  • the information extraction module 704 is configured to extract, from the database, the influencing factor information that affects the enterprise credit value according to the enterprise identifier;
  • the calculating module 706 is configured to calculate, according to the influencing factor information, an enterprise credit value corresponding to the enterprise;
  • the determining module 708 is configured to determine whether the calculated enterprise credit value is greater than a preset standard credit value
  • the same group enterprise acquiring module 710 is configured to acquire the same group enterprise corresponding to the enterprise if the enterprise credit value is greater than a preset standard credit value, where the same group enterprise has the same scale and has the same enterprise credit Value set of companies;
  • a determining module 712 configured to determine a subsidy probability corresponding to the same group of enterprises
  • the refund module 714 is configured to allow the withdrawal of the order and perform a real-time refund if the probability of the supplementary payment corresponding to the same group of enterprises is greater than a preset probability value.
  • the calculating module 706 includes:
  • the rule obtaining module 706A is configured to obtain a calculation rule corresponding to each of the influencing factors
  • the credit score calculation module 706B is configured to calculate, according to the influencing factor information corresponding to each of the influencing factors, a credit score corresponding to each influencing factor by using a corresponding calculation rule;
  • the credit value determining module 706C is configured to determine the enterprise credit value according to the credit score corresponding to each of the influencing factors.
  • the group enterprise obtaining module is further configured to determine an enterprise size corresponding to the enterprise according to the number of enterprises, and find a corresponding to the enterprise according to the enterprise size and the enterprise credit value.
  • a group enterprise which refers to a group of enterprises that have the same enterprise scale and have the same enterprise credit value.
  • the foregoing apparatus for controlling a refund of a withdrawal further includes:
  • the factor obtaining module 703 is configured to obtain an influencing factor that affects the credit value of the enterprise
  • the information extraction module 704 is further configured to obtain, according to the enterprise identifier, the influencing factor information corresponding to the influencing factor from the database by using a field matching manner.
  • the determining module 712 is further configured to obtain the number of payables corresponding to the same group of enterprises and the number of actual paying fees, according to the number of payables and the actual payment The number of fees determines the probability of the supplementary payment corresponding to the same group of enterprises.
  • Each of the above-described modules in the apparatus for controlling the refund of the withdrawal may be implemented in whole or in part by software, hardware, and combinations thereof.
  • the network interface may be an Ethernet card or a wireless network card.
  • the above modules may be embedded in the hardware in the processor or in the memory in the server, or may be stored in the memory in the server, so that the processor calls the corresponding operations of the above modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • the above apparatus for controlling a refund of a withdrawal can be implemented in the form of a computer readable instruction that can be executed on a computer device as shown in FIG.
  • the embodiment of the present application provides a computer device.
  • the internal structure of the computer device may correspond to the structure shown in FIG. 2, and the computer device may be a server, which includes a series of computer readable instructions stored in the memory.
  • the computer readable instructions are executed by the processor, the method for controlling the withdrawal of the withdrawal as proposed in the embodiments of the present application can be implemented.
  • a computer device includes a memory, a processor, and computer readable instructions stored on the memory and operative on the processor, the processor implementing the computer readable instructions to implement the following steps Receiving the withdrawal request sent by the user terminal, extracting the enterprise identifier included in the withdrawal request, the enterprise identifier is used to uniquely identify an enterprise; and extracting information about the influencing factors affecting the enterprise credit value from the database according to the enterprise identifier Calculating the enterprise credit value corresponding to the enterprise according to the influencing factor information; determining whether the calculated enterprise credit value is greater than a preset standard credit value; if yes, acquiring the same group enterprise corresponding to the enterprise
  • the same group of enterprises refers to a set of enterprises having the same enterprise scale and having the same enterprise credit value; determining the probability of the supplementary payment corresponding to the same group of enterprises; if the probability of the corresponding payment of the same group of enterprises is greater than the preset The probability value allows the withdrawal of the order and a real-time refund.
  • a computer readable storage medium having stored thereon computer readable instructions that, when executed by a processor, perform the steps of: receiving a withdrawal request sent by a user terminal, extracting the withdrawal order
  • the enterprise identifier included in the request the enterprise identifier is used to uniquely identify an enterprise; the influencing factor information affecting the enterprise credit value is extracted from the database according to the enterprise identifier; and the enterprise credit corresponding to the enterprise is calculated according to the influencing factor information a value; determining whether the calculated enterprise credit value is greater than a preset standard credit value; if yes, acquiring a same group enterprise corresponding to the enterprise, the same group enterprise refers to having the same enterprise scale and having the same enterprise credit
  • the enterprise set of the value determining the probability of the supplementary payment corresponding to the same group of enterprises; if the probability of the supplementary payment corresponding to the same group of enterprises is greater than the preset probability value, the withdrawal is allowed and the real-time refund is performed.
  • the storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

一种控制撤单退款的方法，包括：接收用户终端发送的撤单请求，提取撤单请求中包含的企业标识，企业标识用于唯一标识一个企业（302）；根据企业标识从数据库中提取影响企业信用值的影响因素信息（304）；根据影响因素信息计算企业对应的企业信用值（306）；判断计算得到的企业信用值是否大于预设的标准信用值（308），若是，则获取与企业对应的同组企业，同组企业是指具有相同企业规模且具有相同企业信用值的企业集（310）；确定与同组企业对应的补缴费概率（312），判断同组企业对应的补缴费概率是否大于预设的概率值（314），若是则允许撤单且进行实时退款（316），若否则允许撤单但不进行实时退款（309）。

Description

控制撤单退款的方法、装置、计算机设备及存储介质
本申请要求于2017年7月27日提交中国专利局、申请号为2017106254861、发明名称为“控制撤单退款的方法、装置、计算机设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及计算机处理领域，特别是涉及一种控制撤单退款的方法、装置、计算机设备及存储介质。
背景技术
对于团体汇缴长期健康险业务，团体中的个人客户选好方案在线购买后，如果要修改方案的话必须要撤单退款，然后重新购买，而保险公司往往要等第二天对账成功，确认收到这笔钱后，才能做退款处理，但是由于长期健康险保费比较高，退款慢会占用客户款项，影响重新购买的概率和时效，但是如果个人客户撤单后立即退款，那么如果保险公司当时没有扣款成功但却进行了退款，若相关人员后续没有进行相应的补缴费，将会给保险公司造成损失，风险太高。
发明内容
根据本申请的各种实施例，提供了一种控制撤单退款的方法、装置、计算机设备及存储介质。
一种控制撤单退款的方法，包括：
接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；
根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；
根据所述影响因素信息计算所述企业对应的所述企业信用值；
判断计算得到的所述企业信用值是否大于预设的标准信用值；
若是，则获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集；
确定与所述同组企业对应的补缴费概率；及
若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
一种控制撤单退款的装置，包括：
标识提取模块，用于接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；
信息提取模块，用于根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；
计算模块，用于根据所述影响因素信息计算所述企业对应的企业信用值；
判断模块，用于判断计算得到的所述企业信用值是否大于预设的标准信用值；
同组企业获取模块，用于若所述企业信用值大于预设的标准信用值，则获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集；
确定模块，用于确定与所述同组企业对应的补缴费概率；及
退款模块，用于若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
一种计算机设备，包括存储器和一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行时，实现本申请任意一个实施例中提供的控制撤单退款的方法的步骤。
一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，所述计算机可读指令被一个或多个处理器执行时，实现本申请任意一个实施例中提供的控制撤单退款的方法的步骤。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为根据一个或多个实施例中控制撤单退款的方法的应用场景图。
图2为根据一个或多个实施例中计算机设备的框图。
图3为根据一个或多个实施例中控制撤单退款的方法流程图。
图4为根据一个或多个实施例中根据影响因素信息计算企业对应的企业信用值的方法流程图。
图5为根据一个或多个实施例中获取与企业对应的同组企业，同组企业是指具有相同企业规模且具有相同企业信用值的企业集的方法流程图。
图6为另一个实施例中控制撤单退款的方法流程图。
图7为根据一个或多个实施例中控制撤单退款的装置的框图。
图8为根据一个或多个实施例中计算模块的框图。
图9为另一个实施例中控制撤单退款的装置框图。
具体实施方式
为了使本申请的技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供的控制撤单退款的方法，可以应用于如图1所示的应用场景中。终端102与服务器104通过网络进行通信。终端102可以但不限于是各种个人计算机、笔记本电脑、智能手机、平板电脑和便携式可穿戴设备，服务器104可以用独立的服务器或者是多个服务器组成的服务器集群来实现。首先，终端102向服务器104发送撤单请求，服务器104接收撤单请求，提取撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业，根据所述企业标识从数据库中提取影响企业信用值的影响因素信息，根据所述影响因素信息计算所述企业对应的所述企业信用值，判断计算得到的所述企业信用值是否大于预设的标准信用值，若是，则获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集，确定与所述同组企业对应的补缴费概率；若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
图2为一个实施例中计算机设备的内部结构示意图，该计算机设备可以为服务器，也可以为终端。参照图2，该计算机设备包括通过系统总线连接的处理器、非易失性存储介质、内存储器和网络接口。其中，该计算机设备的非易失性存储介质可存储操作系统、数据库和计算机可读指令，该计算机可读指令被执行时，可使得处理器执行一种控制撤单退款的方法。该计算机设备的处理器用于提供计算和控制能力，支撑整个计算机设备的运行。该内存储器中可储存有计算机可读指令，该计算机可读指令被处理器执行时，可使得处理器执行一种控制撤单退款的方法。计算机设备的数据库用于存储数据，比如，存储企业信息。计算机设备的网络接口用于进行网络通信。本领域技术人员可以理解，图2中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的计算机设备的限定，具体的计算机设备可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
如图3所示，提出了一种控制撤单退款的方法，该方法既可以用于终端也可以用于服务器，具体包括以下步骤：
步骤302，接收用户终端发送的撤单请求，提取撤单请求中包含的企业标识，企业标识用于唯一标识一个企业。
在其中一个实施例中，对于团体汇缴业务，具体购买保险的个人属于企业的员工，每个员工都会对应一个企业标识，企业标识用于唯一标识一个企业。具体地，通过网页或APP接收用户终端发送的撤单请求，撤单请求中携带有用户所对应的企业标识，所以根据撤单请求就可以直接提取与用户对应的企业标识。
步骤304，根据企业标识从数据库中提取影响企业信用值的影响因素信息。
在其中一个实施例中，获取到企业标识后，需要根据该企业标识从数据库中提取用于 评估企业信用值的影响因素信息。在一些实施例中，影响因素包括企业规模、保费规模、赔付率和定期结算保费支付情况等。其中，企业规模可以分为大型、中型、小型、微型，当然根据实际情况，还也可以进行更细化的划分。保费规模是指企业每年投保的总保费。赔付率是指一定会计期间赔付支出与保费收入的百分比。定期结算保费支付情况是指在与企业约定的定期缴费日期内支付的情况，是否出现延迟等，由于企业经常会出现员工的入职和离职，对于员工的入职需要交付相应的保费，对于员工的离职需要减少相应的保费，但是如果每入职一个就缴费一次的话，会非常麻烦，所以一般采用定期缴费进行相应的结算，比如，一个季度结算一次。此外，影响因素还可以包括法人信息等。根据确定的影响因素从数据库中提取对应的影响因素信息，影像因素信息是指与影响因素对应的具体的信息，比如，若影响因素为企业规模，那么相应的具体的企业规模(比如，小型)即为提取的影响因素信息。
步骤306，根据影响因素信息计算企业对应的企业信用值。
在其中一个实施例中，获取每个影响因素对应的计算规则，分别计算每个影响因素信息对应的信用分，然后根据各个影响因素信息对应的信用分计算企业对应的企业信用值。在一些实施例中，影响因素包括企业规模、保费规模、赔付率和定期结算保费支付情况。具体计算如下：确定该企业对应的企业规模，获取与该企业具有同等企业规模的所有企业，根据每个企业的保费规模确定与该企业具有同等企业规模的企业所对应的平均保费规模，然后通过将该企业的保费规模与平均保费规模进行比较，进而计算与该保费规模对应的信用分；同样地，获取企业对应的赔付率，将该赔付率与计算得到的同等企业规模对应的平均赔付率进行比较，然后确定与该赔付率对应的信用分；获取定期结算保费支付的时间，计算逾期缴费的次数，根据计算得到的次数确定与定期结算保费支付对应的信用分；最后分别根据保费规模、赔付率和定期结算保费支付对应的信用分确定与该企业对应的信用值。举个例子，具体的计算规则如下：1、保费规模：等于同样企业规模的公司平均保费后为标准分10分，每增加10％，则加1分；最高20分；每减少10％，则减1分，最低为0分。2、赔付率：等于同企业规模的公司平均赔付率后为标准分10分，每增加10％，则加1分；最高20分；没减少10％，则减1分，最低为0分。3、定期结算保费支付情况：标准分为10分，有逾期支付保费的，每逾期一次减少2分。在另一个实施例中，还包括定期获取征信系统上各个企业对应的信用情况，如果企业在外部有信用违约或者拖欠银行贷款，则第一时间将该企业信用评分调整为0。
步骤308，判断计算得到的企业信用值是否大于预设的标准信用值，若是，则进入步骤310，若否，则进入步骤309。
在其中一个实施例中，预先设置标准信用值，在计算得到企业对应的企业信用值后，判断企业信用值是否达到了预设的标准信用值，若否，说明该企业信用值偏低，为了避免风险，不对该企业中的员工进行实时退款。若企业信用值达到了预设的标准值，还需要进一步进行判断与企业对应的补缴费概率是否符合要求。
步骤309，允许撤单但不进行实时退款。
在其中一个实施例中，若企业信用值没有达到预设的标准信用值，说明实时退款存在较大风险，所以当收到该企业员工的撤单请求后，允许撤单但是不进行实时退款，待后续对账成功后，再进行相应的退款。
步骤310，获取与企业对应的同组企业，同组企业是指具有相同企业规模且具有相同企业信用值的企业集。
在其中一个实施例中，同组企业是指具有相同企业规模且具有相同企业信用值的一类企业。首先，确定当前企业的企业规模，然后根据企业规模和企业信用值获取与该企业对应的同组企业。
步骤312，确定与同组企业对应的补缴费概率。
在其中一个实施例中，为了进一步降低退款的风险性，在计算得到企业信用值大于标准信用值后，还需要计算在该企业信用值情况下员工在对账不成功后进行补缴费的概率。具体地，由于单个企业的参考数据量有限，往往不具有代表性，所以为了更准确地获取相应的补缴费的概率，本实施例中是通过计算与企业对应的同组企业的补缴费概率来评估该企业进行补缴费的概率。通过获取与该企业具有相同规模且相同信用值的所有企业对应的理论上应补缴费的次数和实际上补缴费的次数，然后通过将实际补缴费的次数除以理论上补缴费的次数得到与该同组企业对应的补缴费概率，举个例子，若计算得到的企业信用值为4，那么获取与该企业具有相同企业规模(比如，都是小型企业)且信用值都为4的所有企业，然后计算所有企业对应的平均补缴费概率，即为同组企业对应的补缴费概率。
步骤314，判断同组企业对应的补缴费概率是否大于预设的概率值，若是，则进入步骤316，若否，则进入步骤309。
在其中一个实施例中，计算得到与当前企业对应的同组企业所对应的补缴费的概率后，判断该同组企业对应的补缴费的概率是否大于预设的概率值，比如，预设概率值为98％，那么只有同组概率值大于98％才允许实时退款，若小于或等于98％则不允许进行实时退款。
步骤316，允许撤单且进行实时退款。
在其中一个实施例中，只有计算得到企业信用值大于标准信用值，且与该企业具有相同企业规模且同样企业信用值的同组企业所对应的补缴费的概率大于预设的概率值才允许用户撤单的同时进行实时退款。通过双重保障有利于控制相应的风险，降低了实行实时退款的风险性。
上述控制撤单退款的方法，接收到撤单请求后，首先根据撤单请求中的企业标识获取影响企业信用值的影响因素信息，然后根据影响因素信息计算得到企业信用值，判断企业信用值是否达到了预设的标准信用值，若是，则获取与企业对应的同组企业，若同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。该方法通过计算企业信用值以及在该企业信用值情况下的补缴费的概率来确定是否对用户的撤单请求进行实 时退款，从而降低了对用户进行实时退款的风险性，同时也提高了相应用户重新购买的概率和时效。
如图4所示，在一些实施例中，根据影响因素信息计算企业对应的企业信用值的步骤306包括：
步骤306A，获取与每一项影响因素对应的计算规则。
在其中一个实施例中，不同的影响因素对应不同的计算规则，在对企业信用值计算时，首先确定与每一项影响因素对应的计算规则。举个例子，假设影响因素包括企业规模、保费规模、赔付率和定期结算保费支付情况以及法人信息等，相应的计算规则可以设置如下：1、保费规模：等于同样企业规模的公司平均保费后为标准分10分，每增加10％，则加1分，最高20分；每减少10％，则减1分，最低为0分。2、赔付率：等于同企业规模的公司平均赔付率后为标准分10分，每增加10％，则加1分；最高20分；没减少10％，则减1分，最低为0分。3、定期结算保费支付情况：标准分为10分，有逾期支付保费的，每逾期一次减少2分。4、法人信息：预先设置信用等级与分数的对应关系，信用等级越高，分数越高。比如，最高等级的信用值对应10分，每降低一级，减2分。
步骤306B，根据每一项影响因素对应的影响因素信息采用对应的计算规则计算得到每一项影响因素对应的信用分。
在其中一个实施例中，获取到每一项影响因素对应的具体的影响因素信息后，根据计算规则确定与每个影响因素信息对应的信用分。假设保费规模的计算规则为：等于同样企业规模的公司平均保费后为标准分10分，每增加10％，则加1分，那么如果企业的保费规模为10万，而同样企业规模对应的平均保费为8万，那么该企业相对于平均保费增加了25％，所以相应的加2分，故，对应的分数值为12分。
步骤306C，根据每一项影响因素对应的信用分确定企业信用值。
在其中一个实施例中，在确定了每一项影响因素对应的信用分后，就可以按照预设的规则来计算企业对应的企业信用值。在一些实施例中，企业信用值可以通过将每一项影响因素对应的信用分直接累加求和得到。在另一个实施例中，预先设置各个影响因素的权重，然后通过加权求和计算得到企业信用值。企业信用值用于表示企业的信用度的高低，只有企业信用值高的企业才允许相应的员工进行实时退款。
如图5所示，在一些实施例中，获取与企业对应的同组企业，同组企业是指具有相同企业规模且具有相同企业信用值的企业集的步骤210包括：
步骤310A，根据企业人数确定与企业对应的企业规模。
在其中一个实施例中，为了确定与该企业对应的同组企业，首先需要确定该企业对应的企业规模，在其中一个实施例中，企业规模是根据人数进行划分的，比如，可以根据企业人数将企业规模分为四类，分别是大型、中型、小型、微型。其中，人数小于100人的企业规模为微型，人数在100-300的企业规模为小型，人数在300-1000的企业规模为中型， 人数在1000以上的企业规模为大型。在另一个实施例中，也可以进行更细微的划分，比如，可以每隔50人进行一个企业规模的等级的划分，例如，将0-50的为一类企业规模，将50-100的作为二类企业规模，100-150的作为三类企业规模，依次类推。
步骤310B，根据企业规模和企业信用值查找与企业对应的同组企业，同组企业是指具有相同企业规模且具有相同企业信用值的企业。
在其中一个实施例中，同组企业是指具有相同企业规模且具有相同企业信用值的一类企业。由于同组企业包含的企业数量很多，其能够反映该类企业的整体状况，比如，进行补缴费的情况。在确定了企业对应的企业规模和企业信用值后就可以查找与该企业对应的同组企业，便于后续根据同组企业来确定相应的补缴费概率。
如图6所示，在一些实施例中，在根据企业标识从数据库中提取影响企业信用值的影响因素信息的步骤304之前还包括：
步骤203，获取影响企业信用值的影响因素。
所述根据所述企业标识从数据库中提取影响企业信用值的影响因素信息的步骤304包括：根据企业标识采用字段匹配的方式从数据库中获取与影响因素对应的影响因素信息。
在其中一个实施例中，首先获取预设的用于计算企业信用值的影响因素，然后根据企业标识采用字段匹配的方式从数据库中获取与影响因素对应的影响因素信息。具体地，数据库中预先存储了企业的相关信息，且是以数据表的形式存在的，每个影响因素信息都对应有字段信息。比如，保费规模、赔付率等这些就是相应的的字段信息。通过将获取到的影响因素与数据表中的字段信息进行匹配，然后获取与字段信息对应的影响因素信息。比如，获取具体的保费规模、赔付率等，且由于这些数据在后台是实时更新的，所以每次计算企业信用值时，需要重新获取最新的影响因素信息，然后计算得到相应的企业信用值。
在一些实施例中，确定与同组企业对应的补缴费概率包括：获取同组企业所对应的应补缴费的次数和实际补缴费的次数，根据应补缴费的次数和实际补缴费的次数确定同组企业对应的补缴费概率。
在其中一个实施例中，在根据企业规模和企业信用值获取到同组企业后，获取同组企业中所有企业历史需要进行补缴费的次数(应补缴费的次数)，即对账不成功后需要进行补缴费的次数，然后再确定实际进行补缴费的次数，最后根据获取的应补缴费的次数和实际补缴费的次数确定与企业对应的同组企业所对应的补缴费概率。该同组企业对应的补缴费的概率反映了该类企业进行补缴费的整体情况，由于数据量大，所以稳定性高，后续将该同组企业对应的补缴费的概率作为评估是否允许相应企业进行实时退款的条件。由于补缴费的概率是通过计算与该企业具有相同规模且相同信用值下所有企业所对应的补缴费的概率，这样能够更有效的反应企业的信用度，从而更有效的降低实时退款的风险性。
应该理解的是，虽然图3至6的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤 的执行并没有严格的顺序限制，这些步骤可以以其它的顺序执行。而且，图3至6中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，这些子步骤或者阶段的执行顺序也不必然是依次进行，而是可以与其它步骤或者其它步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。
如图7所示，在一些实施例中，提出了一种控制撤单退款的装置，该装置包括：
标识提取模块702，用于接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；
信息提取模块704，用于根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；
计算模块706，用于根据所述影响因素信息计算所述企业对应的企业信用值；
判断模块708，用于判断计算得到的企业信用值是否大于预设的标准信用值；
同组企业获取模块710，用于若所述企业信用值大于预设的标准信用值，则获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集；
确定模块712，用于确定与所述同组企业对应的补缴费概率；
退款模块714，用于若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
如图8所示，在一些实施例中，所述计算模块706包括：
规则获取模块706A，用于获取与每一项影响因素对应的计算规则；
信用分计算模块706B，用于根据所述每一项影响因素对应的影响因素信息采用对应的计算规则计算得到每一项影响因素对应的信用分；
信用值确定模块706C，用于根据所述每一项影响因素对应的信用分确定所述企业信用值。
在一些实施例中，所述同组企业获取模块还用于根据所述企业人数确定与所述企业对应的企业规模，根据所述企业规模和所述企业信用值查找与所述企业对应的同组企业，所述同组企业是指具有相同企业规模且具有相同企业信用值的企业集。
如图9所示，在一些实施例中，上述控制撤单退款的装置还包括：
因素获取模块703，用于获取影响企业信用值的影响因素；
所述信息提取模块704还用于根据所述企业标识采用字段匹配的方式从数据库中获取与所述影响因素对应的影响因素信息。
在一些实施例中，所述确定模块712还用于获取所述同组企业所对应的应补缴费的次数和实际补缴费的次数，根据所述应补缴费的次数和实际补缴费的次数确定所述同组企业对应的补缴费概率。
上述控制撤单退款的装置中的各个模块可全部或部分通过软件、硬件及其组合来实 现。其中，网络接口可以是以太网卡或无线网卡等。上述各模块可以硬件形式内嵌于或独立于服务器中的处理器中，也可以以软件形式存储于服务器中的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元(CPU)、微处理器、单片机等。
上述控制撤单退款的装置可以实现为一种计算机可读指令的形式，计算机可读指令可以在如图2所示的计算机设备上运行。
本申请实施例提出了一种计算机设备，计算机设备的内部结构可对应于如图2所示的结构，该计算机设备可以是服务器，其包括一系列存储于存储器上的计算机可读指令，当该计算机可读指令被处理器执行时，可以实现本申请各实施例提出的控制撤单退款的方法。在一些实施例中，计算机设备包括存储器、处理器及存储在所述存储器上并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现以下步骤：接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；根据所述影响因素信息计算所述企业对应的企业信用值；判断计算得到的所述企业信用值是否大于预设的标准信用值；若是，则获取与所述企业对应的同组企业，所述同组企业是指具有相同企业规模且具有相同企业信用值的企业集；确定与所述同组企业对应的补缴费概率；若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
在一些实施例中，提出了一种计算机可读存储介质，其上存储有计算机可读指令，该指令被处理器执行时实现以下步骤：接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；根据所述影响因素信息计算所述企业对应的企业信用值；判断计算得到的所述企业信用值是否大于预设的标准信用值；若是，则获取与所述企业对应的同组企业，所述同组企业是指具有相同企业规模且具有相同企业信用值的企业集；确定与所述同组企业对应的补缴费概率；若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，该计算机可读指令可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，前述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random Access Memory，RAM)等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能 因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种控制撤单退款的方法，包括：
    接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；
    根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；
    根据所述影响因素信息计算所述企业对应的企业信用值；
    判断计算得到的所述企业信用值是否大于预设的标准信用值；
    若是，则获取与所述企业对应的同组企业，所述同组企业是指具有相同企业规模且具有相同企业信用值的企业集；
    确定与所述同组企业对应的补缴费概率；及
    若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
  2. 根据权利要求1所述的方法，其特征在于，所述根据所述影响因素信息计算所述企业对应的企业信用值包括：
    获取与每一项影响因素对应的计算规则；
    根据所述每一项影响因素对应的影响因素信息采用对应的计算规则计算得到每一项影响因素对应的信用分；及
    根据所述每一项影响因素对应的信用分确定所述企业信用值。
  3. 根据权利要求1所述的方法，其特征在于，所述获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集，包括：
    根据所述企业人数确定与所述企业对应的企业规模；及
    根据所述企业规模和所述企业信用值查找与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集。
  4. 根据权利要求1所述的方法，其特征在于，在所述根据所述企业标识从数据库中提取影响企业信用值的影响因素信息之前还包括：
    获取影响企业信用值的影响因素；及
    所述根据所述企业标识从数据库中提取影响企业信用值的影响因素信息包括：
    根据所述企业标识采用字段匹配的方式从数据库中获取与所述影响因素对应的影响因素信息。
  5. 根据权利要求1-4任一所述的方法，其特征在于，确定与所述同组企业对应的补缴费概率包括：
    获取所述同组企业所对应的应补缴费的次数和实际补缴费的次数；及
    根据所述应补缴费的次数和实际补缴费的次数确定所述同组企业对应的补缴费概率。
  6. 一种控制撤单退款的装置，包括：
    标识提取模块，用于接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业 标识，所述企业标识用于唯一标识一个企业；
    信息提取模块，用于根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；
    计算模块，用于根据所述影响因素信息计算所述企业对应的企业信用值；
    判断模块，用于判断计算得到的所述企业信用值是否大于预设的标准信用值；
    同组企业获取模块，用于若所述企业信用值大于预设的标准信用值，则获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集；
    确定模块，用于确定与所述同组企业对应的补缴费概率；及
    退款模块，用于若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
  7. 根据权利要求6所述的装置，其特征在于，所述计算模块包括：
    规则获取模块，用于获取与每一项影响因素对应的计算规则；
    信用分计算模块，用于根据所述每一项影响因素对应的影响因素信息采用对应的计算规则计算得到每一项影响因素对应的信用分；及
    信用值确定模块，用于根据所述每一项影响因素对应的信用分确定所述企业信用值。
  8. 根据权利要求6所述的装置，其特征在于，所述同组企业获取模块还用于根据所述企业人数确定与所述企业对应的企业规模，根据所述企业规模和所述企业信用值查找与所述企业对应的同组企业，所述同组企业是指具有相同企业规模且具有相同企业信用值的企业集。
  9. 根据权利要求6所述的装置，其特征在于，所述装置还包括：
    因素获取模块，用于获取影响企业信用值的影响因素；及
    所述信息提取模块还用于根据所述企业标识采用字段匹配的方式从数据库中获取与所述影响因素对应的影响因素信息。
  10. 根据权利要求6-9任一所述的装置，其特征在于，所述确定模块还用于获取所述同组企业所对应的应补缴费的次数和实际补缴费的次数，根据所述应补缴费的次数和实际补缴费的次数确定所述同组企业对应的补缴费概率。
  11. 一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；
    根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；
    根据所述影响因素信息计算所述企业对应的企业信用值；
    判断计算得到的所述企业信用值是否大于预设的标准信用值；
    若是，则获取与所述企业对应的同组企业，所述同组企业是指具有相同企业规模且具有相同企业信用值的企业集；
    确定与所述同组企业对应的补缴费概率；及
    若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
  12. 根据权利要求11所述的计算机设备，其特征在于，所述根据所述影响因素信息计算所述企业对应的企业信用值包括：
    获取与每一项影响因素对应的计算规则；
    根据所述每一项影响因素对应的影响因素信息采用对应的计算规则计算得到每一项影响因素对应的信用分；及
    根据所述每一项影响因素对应的信用分确定所述企业信用值。
  13. 根据权利要求11所述的计算机设备，其特征在于，所述获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集，包括：
    根据所述企业人数确定与所述企业对应的企业规模；及
    根据所述企业规模和所述企业信用值查找与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集。
  14. 根据权利要求11所述的计算机设备，其特征在于，所述处理器在执行所述根据所述企业标识从数据库中提取影响企业信用值的影响因素信息的步骤之前，还用于执行以下步骤：
    获取影响企业信用值的影响因素；及
    所述根据所述企业标识从数据库中提取影响企业信用值的影响因素信息包括：
    根据所述企业标识采用字段匹配的方式从数据库中获取与所述影响因素对应的影响因素信息。
  15. 根据权利要求11-14任一所述的计算机设备，其特征在于，所述确定与所述同组企业对应的补缴费概率包括：
    获取所述同组企业所对应的应补缴费的次数和实际补缴费的次数；及
    根据所述应补缴费的次数和实际补缴费的次数确定所述同组企业对应的补缴费概率。
  16. 一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收用户终端发送的撤单请求，提取所述撤单请求中包含的企业标识，所述企业标识用于唯一标识一个企业；
    根据所述企业标识从数据库中提取影响企业信用值的影响因素信息；
    根据所述影响因素信息计算所述企业对应的企业信用值；
    判断计算得到的所述企业信用值是否大于预设的标准信用值；
    若是，则获取与所述企业对应的同组企业，所述同组企业是指具有相同企业规模且具 有相同企业信用值的企业集；
    确定与所述同组企业对应的补缴费概率；及
    若所述同组企业对应的补缴费概率大于预设的概率值，则允许撤单且进行实时退款。
  17. 根据权利要求16所述的存储介质，其特征在于，所述根据所述影响因素信息计算所述企业对应的企业信用值包括：
    获取与每一项影响因素对应的计算规则；
    根据所述每一项影响因素对应的影响因素信息采用对应的计算规则计算得到每一项影响因素对应的信用分；及
    根据所述每一项影响因素对应的信用分确定所述企业信用值。
  18. 根据权利要求16所述的存储介质，其特征在于，所述获取与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集，包括：
    根据所述企业人数确定与所述企业对应的企业规模；及
    根据所述企业规模和所述企业信用值查找与所述企业对应的同组企业，所述同组企业是指具有相同规模且具有相同企业信用值的企业集。
  19. 根据权利要求16所述的存储介质，其特征在于，所述处理器在执行所述根据所述企业标识从数据库中提取影响企业信用值的影响因素信息的步骤之前，还用于执行以下步骤：
    获取影响企业信用值的影响因素；及
    所述根据所述企业标识从数据库中提取影响企业信用值的影响因素信息包括：
    根据所述企业标识采用字段匹配的方式从数据库中获取与所述影响因素对应的影响因素信息。
  20. 根据权利要求16-19任一所述的存储介质，其特征在于，所述确定与所述同组企业对应的补缴费概率包括：
    获取所述同组企业所对应的应补缴费的次数和实际补缴费的次数；及
    根据所述应补缴费的次数和实际补缴费的次数确定所述同组企业对应的补缴费概率。
PCT/CN2018/077180 2017-07-27 2018-02-26 控制撤单退款的方法、装置、计算机设备及存储介质 WO2019019624A1 (zh)

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CN107665433A (zh) * 2017-07-27 2018-02-06 平安科技（深圳）有限公司 控制撤单退款的方法、装置、计算机设备及存储介质

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