WO2022041889A1 - 资金路由方法、装置、电子设备及存储介质 - Google Patents

资金路由方法、装置、电子设备及存储介质 Download PDF

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Publication number
WO2022041889A1
WO2022041889A1 PCT/CN2021/096639 CN2021096639W WO2022041889A1 WO 2022041889 A1 WO2022041889 A1 WO 2022041889A1 CN 2021096639 W CN2021096639 W CN 2021096639W WO 2022041889 A1 WO2022041889 A1 WO 2022041889A1
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channel
demand
funding
information
risk control
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English (en)
French (fr)
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陈松夏
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
    • G06N20/00—Machine learning
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V10/00—Arrangements for image or video recognition or understanding
    • G06V10/20—Image preprocessing
    • G06V10/22—Image preprocessing by selection of a specific region containing or referencing a pattern; Locating or processing of specific regions to guide the detection or recognition
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L61/00—Network arrangements, protocols or services for addressing or naming
    • H04L61/50—Address allocation
    • H04L61/5007—Internet protocol [IP] addresses
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H04L63/0435—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply symmetric encryption, i.e. same key used for encryption and decryption

Definitions

  • the present application relates to the technical field of intelligent recommendation, and in particular, to a fund routing method, device, electronic device and storage medium.
  • the inventor realizes that in the existing multi-channel fund routing system, not only can it not be combined with users' opinions and needs on funding channels to analyze, but also can not be analyzed based on the dynamically updated information of multiple funding channels, resulting in the inability to quickly find suitable solutions for users. funding channels.
  • a first aspect of the present application provides a method for routing funds, the method for routing funds includes:
  • the demand channel that passes the risk control detection first is determined as the response result of the fund routing request.
  • a second aspect of the present application provides an electronic device, the electronic device includes a processor and a memory, the processor is configured to execute computer-readable instructions stored in the memory to implement the following steps:
  • the demand channel that passes the risk control detection first is determined as the response result of the fund routing request.
  • a third aspect of the present application provides a computer-readable storage medium on which at least one computer-readable instruction is stored, and the at least one computer-readable instruction is executed by a processor to implement the following steps:
  • the demand channel that passes the risk control detection first is determined as the response result of the fund routing request.
  • a fourth aspect of the present application provides a capital routing device, the capital routing device comprising:
  • an obtaining unit configured to obtain user requirements from the fund routing request when receiving the fund routing request
  • a determination unit used to obtain an effective funding channel from the funding pool, and determine a demand channel by using the user demand and the effective funding channel;
  • the obtaining unit is further configured to obtain current channel information of the demand channel
  • the determining unit is further configured to determine the priority of the demand channel and the channel risk control model according to the current channel information
  • the obtaining unit is further configured to obtain user information according to the fund routing request and the channel risk control model;
  • a verification unit configured to verify whether the user information passes the risk control detection of the demand channel according to the order of the priority from high to low;
  • the determining unit is further configured to, when the user information passes the risk control detection of the demand channel, determine the demand channel that first passes the risk control detection as the response result of the fund routing request.
  • the present application can obtain user requirements from the fund routing request when receiving the fund routing request; since the fund routing request is triggered by the user, it is It is possible to obtain opinions and demands that truly reflect the wishes of users, obtain effective funding channels from the capital pool, and use the user needs and the effective funding channels to determine demand channels; by obtaining effective funding channels, the analysis of invalid funding channels can be avoided.
  • demand channels not only can we filter out non-user-intended funding channels, improve analysis efficiency, but also add user-intended funding channels to make risk control detection more complete and obtain current channel information of the demand channels;
  • the current channel information is obtained in real time, therefore, the dynamically updated information of the demand channel can be obtained to improve the accuracy of risk control detection, and the priority of the demand channel and the channel risk control model are determined according to the current channel information;
  • FIG. 1 is a flowchart of a preferred embodiment of the fund routing method of the present application.
  • FIG. 2 is a functional block diagram of a preferred embodiment of the fund routing device of the present application.
  • FIG. 3 is a schematic structural diagram of an electronic device implementing a preferred embodiment of the fund routing method of the present application.
  • FIG. 1 it is a flowchart of a preferred embodiment of the fund routing method of the present application. According to different requirements, the order of the steps in this flowchart can be changed, and some steps can be omitted.
  • the capital routing method is applied in macroeconomic scenarios, thereby promoting the construction of smart cities.
  • the fund routing method is applied to one or more electronic devices, and the electronic device is a device that can automatically perform numerical calculation and/or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to Microprocessor, Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA), Digital Signal Processor (DSP), embedded devices, etc.
  • ASIC Application Specific Integrated Circuit
  • FPGA Field-Programmable Gate Array
  • DSP Digital Signal Processor
  • the electronic device can be any electronic product that can interact with the user, such as a personal computer, a tablet computer, a smart phone, a personal digital assistant (PDA), a game console, an interactive network television ( Internet Protocol Television, IPTV), smart wearable devices, etc.
  • a personal computer a tablet computer
  • a smart phone a personal digital assistant (PDA)
  • PDA personal digital assistant
  • IPTV interactive network television
  • smart wearable devices etc.
  • the electronic equipment may also include network equipment and/or user equipment.
  • the network device includes, but is not limited to, a single network server, a server group formed by multiple network servers, or a cloud formed by a large number of hosts or network servers based on cloud computing (Cloud Computing).
  • the network where the electronic device is located includes, but is not limited to, the Internet, a wide area network, a metropolitan area network, a local area network, a virtual private network (Virtual Private Network, VPN), and the like.
  • VPN Virtual Private Network
  • the fund routing request may be initiated by a user, or may be automatically triggered within a preset time.
  • the preset time may be a time period or a time point, which is not limited in this application, for example, the preset time is ten o'clock every morning.
  • the user requirement refers to the user's opinion requirement on the funding channel, for example, the user requirement is: not to use the products of Bank A.
  • obtaining the user requirements from the fund routing request by the electronic device includes:
  • the preset tag refers to a pre-defined tag, for example, the preset tag may be name.
  • the method body refers to the message of the fund routing request.
  • the time for creating the thread can be saved, and at the same time, by using the idle thread parsing method body, there is no need to wait for the thread to process other requests, and there is no need to parse the message header of the fund routing request , therefore, the parsing efficiency can be improved, and in addition, the user requirement can be accurately acquired by using the preset label.
  • S11 obtain an effective fund channel from the fund pool, and use the user demand and the effective fund channel to determine a demand channel.
  • the capital pool stores a plurality of capital channels and an effective identifier of each capital channel, wherein the plurality of capital channels include, but are not limited to: banks and trusts.
  • the electronic device obtains an effective fund channel from a fund pool, and uses the user demand and the effective fund channel to determine the demand channel including:
  • the non-intended channel When the non-intended channel is included in the valid funding channel, the non-intended channel is deleted from the valid funding channel, and when the valid funding channel does not include the intended channel, the intended channel is removed
  • the channel is integrated into the effective funding channel to obtain the demand channel.
  • the non-intended channel refers to a funding channel that the user is not interested in
  • the intended channel refers to a funding channel that the user is interested in.
  • the current channel information refers to the channel information updated in real time by the demand channel.
  • the current channel information includes, but is not limited to, information such as loan speed, risk control pass rate, capital cost, and interest rate discount.
  • obtaining the current channel information of the demand channel by the electronic device includes one or a combination of the following ways:
  • the current channel information can be obtained in various ways. Since the current channel information is obtained in real time, the dynamically updated information of the demand channel can be obtained to improve the accuracy of risk control detection.
  • S13 Determine the priority of the demand channel and the channel risk control model according to the current channel information.
  • the channel risk control model is determined by analyzing the current channel information using a machine learning algorithm.
  • Each demand channel corresponds to a channel risk control model, and the channel risk control model is composed of multiple indicator permissions.
  • the information carried in each channel risk control model may include: annual income greater than 30W, and provident fund balance greater than 10W Wait.
  • the electronic device determining the priority of the demand channel according to the current channel information includes:
  • a weighted sum operation is performed on the current channel information and the weight to obtain the priority of the demand channel.
  • the current channel information of demand channel A includes capital cost, loan process complexity and risk control pass rate
  • the capital cost is 10%
  • the weight is 50%
  • the loan process complexity is 40%
  • the weight is 30%
  • the risk control pass rate is 70%
  • the weight is 20%.
  • the priority of the demand channel can be quickly determined, and then the most favorable funding channel for the user is selected for the user through the priority.
  • the electronic device determining the channel risk control model of the demand channel according to the current channel information includes:
  • the channel risk control model is obtained by fusing the target information.
  • the electronic device uses the customer information to determine the main push force of the demand channel to the current channel information based on a machine learning algorithm, including:
  • the main thrust is determined according to the channel value and the channel score.
  • the information of customer A who has obtained the demand channel includes: the annual income is 30W, the property worth 200W under the name, and the balance of the provident fund is 10W; the information of customer B includes: the annual income is 40W, the property worth 300W under the name, The balance of the provident fund is 5W; the information of customer C includes: the annual income is 50W, the property under the name is worth 200W, and the balance of the provident fund is 20W.
  • the channel value extracted from the customer A with an annual income greater than 25W is 30W, the channel value of the customer A’s property value greater than 150W is 200W, and the customer A’s provident fund balance is greater than 1W.
  • the channel value is 10W;
  • the channel value extracted from the customer B's annual income greater than 25W is 40W, the channel value of the customer B's property value greater than 150W is 300W, and the customer B's provident fund balance is greater than 1W.
  • the channel value is 5W; It is extracted that the channel value of the customer C with an annual income greater than 25W is 50W, the channel value of the customer C’s property value greater than 150W is 200W, and the customer C’s provident fund balance is greater than 1W.
  • the channel value is 20W.
  • the channel score obtained for the customer A is 77, the channel score for the customer B is 111, and the channel score for the customer C is 89.
  • the main thrust of the annual income greater than 25W is 50%, and the property value is greater than 50%.
  • the main thrust of 150W is 30%, and the main thrust of the provident fund balance greater than 1W is 20%.
  • the electronic device fuses the target information to obtain the channel risk control model.
  • the target information is that the annual income is greater than 25W and the property value is greater than 150W.
  • the channel risk control model is obtained: the annual income is greater than 25W and the property value is greater than 150W.
  • the user information refers to information required for risk control detection, and the user information includes: user ID number, annual income, consumption status, and the like.
  • the obtaining of the user information by the electronic device according to the fund routing request and the channel risk control model includes:
  • the information corresponding to the channel risk control model is selected from the acquired information as the user information.
  • the preset archives store multiple users and related information of multiple users.
  • the electronic device selects the information corresponding to the channel risk control model from the acquired information as the user information, including:
  • the target channel information for determining the channel risk control model is extracted from the current channel information, and information corresponding to the target channel information is selected from the acquired information as the user information.
  • the target channel information for determining the channel risk control model is extracted as: the annual income is more than 300,000 yuan, the obtained information includes: mobile phone number, annual income, family members, and the target channel is obtained from the obtained information.
  • the target information corresponding to the information is: annual income.
  • the user information required for the risk control detection can be obtained by using the channel risk control model, which can not only improve the efficiency of the risk control detection, but also save the storage space of the electronic device.
  • the risk control detection refers to detecting whether the user information meets the risk control requirements of the demand channel, for example, the user's annual income is greater than 200,000.
  • the risk control requirements may include one or more requirements.
  • the electronic device according to the order of the priority from high to low, verifying whether the user information passes the risk control detection of the demand channel includes:
  • the channel risk control model since the channel risk control model is determined by current channel information of multiple channels, and at the same time, the current channel information of each channel is different, the channel risk control model may include multiple different models.
  • the demand channel includes 3 channels, namely channel B, channel C, and channel D.
  • the priority of channel B is 60%
  • the priority of channel C is 40%
  • the priority of channel D is 20%.
  • the channel B is determined as the target channel
  • the channel risk control model of the channel B is obtained as the target model
  • the user information is input into the target model, and the output result is:
  • the user information passes the risk control detection of the channel B, and it is determined that the user information passes the risk control detection of the channel B.
  • the electronic device when the output result is that the test fails, and it is determined that the user information fails the risk control test of the demand channel, the electronic device continues to execute the process from high to low according to the priority.
  • the ranking order determines the target channel from the demand channels.
  • the output result of the channel B fails the test, it is determined that the user information fails the risk control test of the channel B, and the electronic device determines that the target channel is the channel C, And verify whether the user information passes the risk control detection of the channel C.
  • the above response results can also be stored in a node of a blockchain.
  • the electronic device when the user information passes the risk control detection of any demand channel, the electronic device stops verifying whether the user information passes the risk control detection of other demand channels.
  • the demand channel includes channel E and channel F
  • the priority of channel E is higher than the priority of channel F
  • the channel E As a result of the response to the fund routing request, it stops verifying whether the user information passes the risk control detection of the channel F.
  • the method further includes:
  • prompt information when the response result is obtained, prompt information can be generated and sent in time, and at the same time, the prompt information can be encrypted to improve the security of the prompt information.
  • the present application can obtain user requirements from the fund routing request when receiving the fund routing request; since the fund routing request is triggered by the user, it is It is possible to obtain opinions and demands that truly reflect the user's wishes, obtain effective funding channels from the capital pool, and use the user needs and the effective funding channels to determine demand channels; by obtaining effective funding channels, the analysis of invalid funding channels can be avoided.
  • demand channels not only can we filter out non-user-intended funding channels, improve analysis efficiency, but also add user-intended funding channels to make risk control detection more complete, and obtain current channel information of the demand channels;
  • the current channel information is obtained in real time, therefore, the dynamically updated information of the demand channel can be obtained to improve the accuracy of risk control detection, and the priority of the demand channel and the channel risk control model are determined according to the current channel information;
  • the fund routing device 11 includes an acquisition unit 110 , a determination unit 111 , a verification unit 112 , a generation unit 113 , an encryption unit 114 and a transmission unit 115 .
  • the module/unit referred to in this application refers to a series of computer-readable instruction segments that can be acquired by the processor 13 and can perform fixed functions, and are stored in the memory 12 . In this embodiment, the functions of each module/unit will be described in detail in subsequent embodiments.
  • the obtaining unit 110 When receiving the fund routing request, the obtaining unit 110 obtains the user requirement from the fund routing request.
  • the fund routing request may be initiated by a user, or may be automatically triggered within a preset time.
  • the preset time may be a time period or a time point, which is not limited in this application, for example, the preset time is ten o'clock every morning.
  • the user requirement refers to the user's opinion requirement on the funding channel, for example, the user requirement is: not to use the products of Bank A.
  • the obtaining unit 110 obtaining the user requirements from the fund routing request includes:
  • the preset tag refers to a pre-defined tag, for example, the preset tag may be name.
  • the method body refers to the message of the fund routing request.
  • the time for creating the thread can be saved, and at the same time, by using the idle thread parsing method body, there is no need to wait for the thread to process other requests, and there is no need to parse the message header of the fund routing request , therefore, the parsing efficiency can be improved, and in addition, the user requirement can be accurately acquired by using the preset label.
  • the determining unit 111 obtains an effective fund channel from the fund pool, and determines a demand channel by using the user demand and the effective fund channel.
  • the capital pool stores a plurality of capital channels and an effective identifier of each capital channel, wherein the plurality of capital channels include, but are not limited to: banks and trusts.
  • the determining unit 111 obtains an effective fund channel from a fund pool, and uses the user demand and the effective fund channel to determine the demand channel including:
  • the non-intended channel When the non-intended channel is included in the valid funding channel, the non-intended channel is deleted from the valid funding channel, and when the valid funding channel does not include the intended channel, the intended channel is removed
  • the channel is integrated into the effective funding channel to obtain the demand channel.
  • the non-intended channel refers to a funding channel that the user is not interested in
  • the intended channel refers to a funding channel that the user is interested in.
  • the obtaining unit 110 obtains current channel information of the demand channel.
  • the current channel information refers to the channel information updated in real time by the demand channel.
  • the current channel information includes, but is not limited to, information such as loan speed, risk control pass rate, capital cost, and interest rate discount.
  • the obtaining unit 110 obtaining the current channel information of the demand channel includes one or a combination of the following ways:
  • the current channel information can be obtained in various ways. Since the current channel information is obtained in real time, the dynamically updated information of the demand channel can be obtained to improve the accuracy of risk control detection.
  • the determining unit 111 determines the priority of the demand channel and the channel risk control model according to the current channel information.
  • the channel risk control model is determined by analyzing the current channel information using a machine learning algorithm.
  • Each demand channel corresponds to a channel risk control model, and the channel risk control model is composed of multiple indicator permissions.
  • the information carried in each channel risk control model may include: annual income greater than 30W, and provident fund balance greater than 10W Wait.
  • the determining unit 111 determining the priority of the demand channel according to the current channel information includes:
  • a weighted sum operation is performed on the current channel information and the weight to obtain the priority of the demand channel.
  • the current channel information of demand channel A includes capital cost, loan process complexity and risk control pass rate
  • the capital cost is 10%
  • the weight is 50%
  • the loan process complexity is 40%
  • the weight is 30%
  • the risk control pass rate is 70%
  • the weight is 20%.
  • the priority of the demand channel can be quickly determined, and then the most favorable funding channel for the user is selected for the user through the priority.
  • the determining unit 111 determining the channel risk control model of the demand channel according to the current channel information includes:
  • the channel risk control model is obtained by fusing the target information.
  • the determining unit 111 uses the customer information to determine the main push force of the demand channel to the current channel information based on a machine learning algorithm, including:
  • the main thrust is determined according to the channel value and the channel score.
  • the information of customer A who has obtained the demand channel includes: the annual income is 30W, the property worth 200W under the name, and the balance of the provident fund is 10W; the information of customer B includes: the annual income is 40W, the property worth 300W under the name, The balance of the provident fund is 5W; the information of customer C includes: the annual income is 50W, the property under the name is worth 200W, and the balance of the provident fund is 20W.
  • the channel value extracted from the customer A with an annual income greater than 25W is 30W, the channel value of the customer A’s property value greater than 150W is 200W, and the customer A’s provident fund balance is greater than 1W.
  • the channel value is 10W;
  • the channel value extracted from the customer B's annual income greater than 25W is 40W, the channel value of the customer B's property value greater than 150W is 300W, and the customer B's provident fund balance is greater than 1W.
  • the channel value is 5W; It is extracted that the channel value of the customer C with an annual income greater than 25W is 50W, the channel value of the customer C’s property value greater than 150W is 200W, and the customer C’s provident fund balance is greater than 1W.
  • the channel value is 20W.
  • the channel score obtained for the customer A is 77, the channel score for the customer B is 111, and the channel score for the customer C is 89.
  • the main thrust of the annual income greater than 25W is 50%, and the property value is greater than 50%.
  • the main thrust of 150W is 30%, and the main thrust of the provident fund balance greater than 1W is 20%.
  • the determining unit 111 fuses the target information to obtain the channel risk control model.
  • the target information is that the annual income is greater than 25W and the property value is greater than 150W.
  • the channel risk control model is obtained: the annual income is greater than 25W and the property value is greater than 150W.
  • the obtaining unit 110 obtains user information according to the fund routing request and the channel risk control model.
  • the user information refers to information required for risk control detection, and the user information includes: user ID number, annual income, consumption status, and the like.
  • the obtaining unit 110 obtaining user information according to the fund routing request and the channel risk control model includes:
  • the information corresponding to the channel risk control model is selected from the acquired information as the user information.
  • the preset archives store multiple users and related information of multiple users.
  • the obtaining unit 110 selects the information corresponding to the channel risk control model from the obtained information as the user information including:
  • the target channel information for determining the channel risk control model is extracted from the current channel information, and information corresponding to the target channel information is selected from the acquired information as the user information.
  • the target channel information for determining the channel risk control model is extracted as: the annual income is more than 300,000 yuan, the obtained information includes: mobile phone number, annual income, family members, and the target channel is obtained from the obtained information.
  • the target information corresponding to the information is: annual income.
  • the user information required for the risk control detection can be obtained by using the channel risk control model, which can not only improve the efficiency of the risk control detection, but also save the storage space of the electronic device.
  • the verification unit verifies whether the user information passes the risk control detection of the demand channel according to the order of the priority from high to low.
  • the risk control detection refers to detecting whether the user information meets the risk control requirements of the demand channel, for example, the user's annual income is greater than 200,000.
  • the risk control requirements may include one or more requirements.
  • the verification unit verifies whether the user information passes the risk control detection of the demand channel according to the order of the priority from high to low, including:
  • the channel risk control model since the channel risk control model is determined by current channel information of multiple channels, and at the same time, the current channel information of each channel is different, the channel risk control model may include multiple different models.
  • the demand channel includes 3 channels, namely channel B, channel C, and channel D.
  • the priority of channel B is 60%
  • the priority of channel C is 40%
  • the priority of channel D is 20%.
  • the channel B is determined as the target channel
  • the channel risk control model of the channel B is obtained as the target model
  • the user information is input into the target model, and the output result is:
  • the user information passes the risk control detection of the channel B, and it is determined that the user information passes the risk control detection of the channel B.
  • the verification unit when the output result is that the detection fails, and it is determined that the user information fails the risk control detection of the demand channel, the verification unit continues to perform the process from high to low according to the priority.
  • the ranking order determines the target channel from the demand channels.
  • the output result of the channel B fails the test, it is determined that the user information fails the risk control test of the channel B, and the verification unit determines that the target channel is the channel C, And verify whether the user information passes the risk control detection of the channel C.
  • the determining unit 111 determines the demand channel that passes the risk control detection first as the response result of the fund routing request.
  • the above response results can also be stored in a node of a blockchain.
  • the verification unit 112 stops verifying whether the user information passes the risk control detection of other demand channels.
  • the demand channel includes channel E and channel F
  • the priority of channel E is higher than the priority of channel F
  • the channel E As a result of the response to the fund routing request, it stops verifying whether the user information passes the risk control detection of the channel F.
  • the obtaining unit 110 after determining the demand channel that first passes risk control detection as the response result of the fund routing request, obtains the request number of the fund routing request;
  • the generating unit 113 generates prompt information according to the request number and the response result
  • the encryption unit 114 uses symmetric encryption technology to encrypt the prompt information to obtain ciphertext
  • the sending unit 115 sends the ciphertext to the terminal device of the designated contact.
  • prompt information when the response result is obtained, prompt information can be generated and sent in time, and at the same time, the prompt information can be encrypted to improve the security of the prompt information.
  • the present application can obtain user requirements from the fund routing request when receiving the fund routing request; since the fund routing request is triggered by the user, it is It is possible to obtain opinions and demands that truly reflect the wishes of users, obtain effective funding channels from the capital pool, and use the user needs and the effective funding channels to determine demand channels; by obtaining effective funding channels, the analysis of invalid funding channels can be avoided.
  • demand channels not only can we filter out non-user-intended funding channels, improve analysis efficiency, but also add user-intended funding channels to make risk control detection more complete and obtain current channel information of the demand channels;
  • the current channel information is obtained in real time, therefore, the dynamically updated information of the demand channel can be obtained to improve the accuracy of risk control detection, and the priority of the demand channel and the channel risk control model are determined according to the current channel information;
  • FIG. 3 it is a schematic structural diagram of an electronic device implementing a preferred embodiment of the fund routing method of the present application.
  • the electronic device 1 includes, but is not limited to, a memory 12 , a processor 13 , and computer-readable instructions stored in the memory 12 and executable on the processor 13 , such as funds routing programs.
  • the schematic diagram is only an example of the electronic device 1, and does not constitute a limitation on the electronic device 1, and may include more or less components than the one shown, or combine some components, or different Components, for example, the electronic device 1 may also include input and output devices, network access devices, buses, and the like.
  • the processor 13 may be a central processing unit (Central Processing Unit, CPU), or other general-purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.
  • the general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc.
  • the processor 13 is the computing core and control center of the electronic device 1, and uses various interfaces and lines to connect the entire electronic device. 1, and the operating system that executes the electronic device 1, as well as various installed applications, program codes, and the like.
  • the processor 13 executes the operating system of the electronic device 1 and various installed application programs.
  • the processor 13 executes the application program to implement the steps in each of the above-mentioned embodiments of the funds routing method, for example, the steps shown in FIG. 1 .
  • the computer-readable instructions may be divided into one or more modules/units, and the one or more modules/units are stored in the memory 12 and executed by the processor 13 to Complete this application.
  • the one or more modules/units may be a series of computer-readable instruction segments capable of accomplishing specific functions, and the instruction segments are used to describe the execution process of the computer-readable instructions in the electronic device 1 .
  • the computer-readable instructions may be divided into an acquisition unit 110 , a determination unit 111 , a verification unit 112 , a generation unit 113 , an encryption unit 114 , and a transmission unit 115 .
  • the memory 12 can be used to store the computer-readable instructions and/or modules, and the processor 13 executes or executes the computer-readable instructions and/or modules stored in the memory 12 and invokes the computer-readable instructions and/or modules stored in the memory 12.
  • the data in the electronic device 1 realizes various functions of the electronic device 1 .
  • the memory 12 may mainly include a stored program area and a stored data area, wherein the stored program area may store an operating system, an application program required for at least one function (such as a sound playback function, an image playback function, etc.), and the like; the storage data area may Data and the like created according to the use of the electronic device are stored.
  • the memory 12 may include non-volatile memory, or may include volatile memory, such as hard disk, internal memory, plug-in hard disk, Smart Media Card (SMC), Secure Digital (SD) card , a flash card (Flash Card), at least one disk storage device, flash memory device, random access memory, or other storage device.
  • volatile memory such as hard disk, internal memory, plug-in hard disk, Smart Media Card (SMC), Secure Digital (SD) card , a flash card (Flash Card), at least one disk storage device, flash memory device, random access memory, or other storage device.
  • the memory 12 may be an external memory and/or an internal memory of the electronic device 1 . Further, the storage 12 may be a storage in physical form, such as a memory stick, a TF card (Trans-flash Card) and the like.
  • TF card Trans-flash Card
  • modules/units integrated in the electronic device 1 are implemented in the form of software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium, and the computer-readable storage medium may be a non-volatile storage medium.
  • a volatile storage medium can also be a volatile storage medium.
  • the computer-readable instructions include computer-readable instruction codes, and the computer-readable instruction codes may be in source code form, object code form, executable file, or some intermediate form, and the like.
  • the computer-readable medium may include: any entity or device capable of carrying the computer-readable instruction code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer memory, a read-only memory (ROM, Read-Only). Memory), random access memory.
  • the blockchain referred to in this application is a new application mode of computer technology such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm.
  • Blockchain essentially a decentralized database, is a series of data blocks associated with cryptographic methods. Each data block contains a batch of network transaction information to verify its Validity of information (anti-counterfeiting) and generation of the next block.
  • the blockchain can include the underlying platform of the blockchain, the platform product service layer, and the application service layer.
  • the memory 12 in the electronic device 1 stores a plurality of instructions to implement a fund routing method
  • the processor 13 can execute the plurality of instructions to implement:
  • the demand channel that passes the risk control detection first is determined as the response result of the fund routing request.
  • modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, and may be located in one place or distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution in this embodiment.
  • each functional module in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically alone, or two or more units may be integrated into one unit.
  • the above-mentioned integrated units can be implemented in the form of hardware, or can be implemented in the form of hardware plus software function modules.

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Abstract

涉及智能推荐，提供一种资金路由方法、装置、电子设备及存储介质。方法能够获取用户需求及有效资金渠道，利用用户需求及有效资金渠道确定需求渠道(S11)，获取需求渠道的当前渠道信息(S12)，并确定需求渠道的优先级及渠道风控模型(S13)，获取用户信息(S14)，依照优先级从高至低的排列顺序，验证用户信息是否通过需求渠道的风控检测(S15)，当用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为资金路由请求的响应结果(S16)。能够为用户找到合适的资金渠道，同时，由于已经排除了对无效资金渠道的分析，因此能够提高资金渠道的确认效率，此外还涉及区块链技术，响应结果可存储于区块链中。

Description

资金路由方法、装置、电子设备及存储介质
本申请要求于2020年08月31日提交中国专利局，申请号为202010900641.8，发明名称为“资金路由方法、装置、电子设备及存储介质”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
本申请涉及智能推荐技术领域，尤其涉及一种资金路由方法、装置、电子设备及存储介质。
背景技术
随着互联网金融的发展，消费金融产品也随之增多。这些消费金融产品存在产品对接渠道单一的问题，由于产品对接渠道单一，当用户在对接渠道单一的消费金融产品的风控检测没通过时，则无法使用该消费金融产品，严重影响用户体验，为此，多渠道资金路由系统应运而生。
发明人意识到，在现有的多渠道资金路由系统中，不仅无法结合用户对资金渠道的意见需求进行分析，还无法结合多个资金渠道动态更新的信息进行分析，造成无法为用户快速找到合适的资金渠道。
发明内容
鉴于以上内容，有必要提供一种资金路由方法、装置、电子设备及存储介质，能够为用户找到合适的资金渠道，同时，由于已经排除了对无效资金渠道的分析，因此，能够提高资金渠道的确认效率。
本申请的第一方面提供一种资金路由方法，所述资金路由方法包括：
当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
获取所述需求渠道的当前渠道信息；
根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
根据所述资金路由请求及所述渠道风控模型获取用户信息；
依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
本申请的第二方面提供一种电子设备，所述电子设备包括处理器和存储器，所述处理器用于执行所述存储器中存储的计算机可读指令以实现以下步骤：
当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
获取所述需求渠道的当前渠道信息；
根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
根据所述资金路由请求及所述渠道风控模型获取用户信息；
依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
本申请的第三方面提供一种计算机可读存储介质，所述计算机可读存储介质上存储有至少一个计算机可读指令，所述至少一个计算机可读指令被处理器执行以实现以下步骤：
当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
获取所述需求渠道的当前渠道信息；
根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
根据所述资金路由请求及所述渠道风控模型获取用户信息；
依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
本申请的第四方面提供一种资金路由装置，所述资金路由装置包括：
获取单元，用于当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
确定单元，用于从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
所述获取单元，还用于获取所述需求渠道的当前渠道信息；
所述确定单元，还用于根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
所述获取单元，还用于根据所述资金路由请求及所述渠道风控模型获取用户信息；
验证单元，用于依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
所述确定单元，还用于当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
由以上技术方案可以看出，本申请能够当接收到资金路由请求时，从所述资金路由请求中获取用户需求；由于所述资金路由请求是由用户触发的，因此从所述资金路由请求中能够获取到真实反映用户意愿的意见需求，从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；通过获取有效资金渠道，能够避免对无效资金渠道的分析，同时，通过确定需求渠道，不仅能够过滤掉非用户意向的资金渠道，提高分析效率，还能够加入用户意向的资金渠道，使风控检测更加完善，获取所述需求渠道的当前渠道信息；由于所述当前渠道信息是实时获取的，因此，能够获取到需求渠道动态更新的信息，以提高风控检测准确度，根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；根据所述资金路由请求及所述渠道风控模型获取用户信息；利用所述渠道风控模型能够获取到风控检测所需的用户信息，不仅能够提高风控检测的效率，还能够节省电子设备的存储空间，依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。本申请结合了用户需求及当前渠道信息对有效资金渠道进行分析，能够为用户找到合适的资金渠道，同时，由于已经排除了对无效资金渠道的分析，因此，能够提高资金渠道的确认效率。
附图说明
图1是本申请资金路由方法的较佳实施例的流程图。
图2是本申请资金路由装置的较佳实施例的功能模块图。
图3是本申请实现资金路由方法的较佳实施例的电子设备的结构示意图。
具体实施方式
为了使本申请的目的、技术方案和优点更加清楚，下面结合附图和具体实施例对本申请进行详细描述。
如图1所示，是本申请资金路由方法的较佳实施例的流程图。根据不同的需求，该流程图中步骤的顺序可以改变，某些步骤可以省略。
所述资金路由方法应用于宏观经济场景中，从而推动智慧城市的建设。所述资金路由方法应用于一个或者多个电子设备中，所述电子设备是一种能够按照事先设定或存储的指令，自动进行数值计算和/或信息处理的设备，其硬件包括但不限于微处理器、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程门阵列(Field－Programmable Gate Array，FPGA)、数字处理器(Digital Signal Processor，DSP)、嵌入式设备等。
所述电子设备可以是任何一种可与用户进行人机交互的电子产品，例如，个人计算机、平板电脑、智能手机、个人数字助理(Personal Digital Assistant，PDA)、游戏机、交互式网络电视(Internet Protocol Television，IPTV)、智能穿戴式设备等。
所述电子设备还可以包括网络设备和/或用户设备。其中，所述网络设备包括，但不限于单个网络服务器、多个网络服务器组成的服务器组或基于云计算(Cloud Computing)的由大量主机或网络服务器构成的云。
所述电子设备所处的网络包括，但不限于：互联网、广域网、城域网、局域网、虚拟专用网络(Virtual Private Network，VPN)等。
S10，当接收到资金路由请求时，从所述资金路由请求中获取用户需求。
在本申请的至少一个实施例中，所述资金路由请求可以由用户发起，也可以在预设时间内自动触发。
其中，所述预设时间可以是一个时间段，也可以是一个时间点，本申请对此不作限制，例如，所述预设时间为每天早上十点钟。
在本申请的至少一个实施例中，所述用户需求是指用户对资金渠道的意见需求，例如，所述用户需求为：不使用A银行的产品。
在本申请的至少一个实施例中，所述电子设备从所述资金路由请求中获取用户需求包括：
从预设线程池中获取闲置线程；
利用所述闲置线程解析所述资金路由请求的方法体，得到所述资金路由请求携带的数据信息；
获取预设标签，并从所述数据信息中获取与所述预设标签对应的信息，作为所述用户需求。
其中，所述预设标签是指预先定义好的标签，例如，所述预设标签可以是name。
进一步地，所述方法体是指所述资金路由请求的报文。
通过从所述预设线程池中获取线程，能够节省创建线程的时间，同时，利用所述闲置线程解析方法体，由于无需等待线程处理其他请求，及无需解析所述资金路由请求的报文头，因此，能够提高解析效率，此外，利用所述预设标签，能够准确获取到所述用户需求。
S11，从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道。
在本申请的至少一个实施例中，所述资金池中存储多个资金渠道及每个资金渠道的有效标识，其中，所述多个资金渠道包括，但不限于：银行及信托。
在本申请的至少一个实施例中，所述电子设备从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道包括：
从所述资金池中获取每个资金渠道的有效标识；
将所述有效标识为预设标识的资金渠道确定为所述有效资金渠道；
提取所述用户需求中的非意向渠道及意向渠道；
检测所述有效资金渠道中是否包括所述非意向渠道，并检测所述有效资金渠道中是否包括所述意向渠道；
当所述有效资金渠道中包括所述非意向渠道时，将所述非意向渠道从所述有效资金渠道中删除，以及当所述有效资金渠道中不包括所述意向渠道时，将所述意向渠道融入所述有效资金渠道中，得到所述需求渠道。
其中，所述非意向渠道是指用户不感兴趣的资金渠道，所述意向渠道是指用户感兴趣的资金渠道。
通过获取有效资金渠道，能够避免对无效资金渠道的分析，同时，通过确定需求渠道，不仅能够过滤掉非用户意向的资金渠道，提高分析效率，还能够加入用户意向的资金渠道，使风控检测更加完善。
S12，获取所述需求渠道的当前渠道信息。
在本申请的至少一个实施例中，所述当前渠道信息是指所述需求渠道实时更新后的渠道信息。其中，所述当前渠道信息包括，但不限于：放款速度、风控通过率、资金成本以及利率优惠等信息。
在本申请的至少一个实施例中，所述电子设备获取所述需求渠道的当前渠道信息包括以下一种或者多种方式的组合：
确定所述需求渠道对应的渠道网站，并从所述渠道网站中获取与预设栏位对应的字段，作为所述当前渠道信息；和/或
确定所述需求渠道对应的纸质文本，并基于OCR(Optical Character Recognition，光学字符识别)技术从所述纸质文本中识别所述当前渠道信息。
通过上述实施方式，能够利用多种方式获取所述当前渠道信息，由于所述当前渠道信息是实时获取的，因此，能够获取到需求渠道动态更新的信息，以提高风控检测准确度。
S13，根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型。
在本申请的至少一个实施例中，所述渠道风控模型是利用机器学习算法对所述当前渠道信息进行分析确定的。每个需求渠道对应一个渠道风控模型，所述渠道风控模型是由多个指标权限组成的，例如，每个渠道风控模型中携带的信息可以包括：年收入大于30W，公积金余额大于10W等。
在本申请的至少一个实施例中，所述电子设备根据所述当前渠道信息确定所述需求渠道的优先级包括：
获取所述当前渠道信息对应的权重；
对所述当前渠道信息及所述权重进行加权和运算，得到所述需求渠道的优先级。
例如：需求渠道A的当前渠道信息包括资金成本、贷款流程复杂度以及风控通过率，所述资金成本为10％，权重为50％，所述贷款流程复杂度为40％，权重为30％，所述风控通过率为70％，权重为20％，经计算，所述需求渠道A的优先级为10％*50％+40％*30％+70％*20％＝31％。
通过上述实施方式，能够快速确定所述需求渠道的优先级，进而通过所述优先级为用户选取最有利于用户的资金渠道。
在本申请的至少一个实施例中，所述电子设备根据所述当前渠道信息确定所述需求渠道的渠道风控模型包括：
获取所述需求渠道的客户信息；
基于机器学习算法，利用所述客户信息确定所述需求渠道对所述当前渠道信息的主推力度；
将所述主推力度大于配置值的当前渠道信息确定为目标信息；
融合所述目标信息，得到所述渠道风控模型。
具体地，所述电子设备基于机器学习算法，利用所述客户信息确定所述需求渠道对所述当前渠道信息的主推力度包括：
从所述客户信息中提取每个客户在所述当前渠道信息上的渠道值；
获取所述客户在所述需求渠道上的渠道评分；
根据所述渠道值及所述渠道评分确定所述主推力度。
例如：获取到需求渠道的客户甲的信息包括：年收入为30W，名下有价值200W的房产，公积金余额为10W；客户乙的信息包括：年收入为40W，名下有价值300W的房产，公积金余额为5W；客户丙的信息包括：年收入为50W，名下有价值200W的房产，公积金余额为20W。提取到所述客户甲在年收入大于25W上的渠道值为30W，所述客户甲在房产价值大于150W上的渠道值为200W，所述客户甲在公积金余额大于1W上的渠道值为10W；提取到所述客户乙在年收入大于25W上的渠道值为40W，所述客户乙在房产价值大于150W上的渠道值为300W，所述客户乙在公积金余额大于1W上的渠道值为5W；提取到所述客户丙在年收入大于25W上的渠道值为50W，所述客户丙在房产价值大于150W上的渠道值为200W，所述客户丙在公积金余额大于1W上的渠道值为20W。获取到所述客户甲的渠道评分为77，所述客户乙的渠道评分为111，所述客户丙的渠道评分为89，经计算，得到年收入大于25W的主推力度为50％，房产价值大于150W的主推力度为30％，公积金余额大于1W的主推力度为20％。
在本申请的至少一个实施例中，所述电子设备融合所述目标信息，得到所述渠道风控模型。
承接上述例子，目标信息为年收入大于25W及房产价值大于150W，融合所述目标信息，得到渠道风控模型为：年收入大于25Wand房产价值大于150W。
S14，根据所述资金路由请求及所述渠道风控模型获取用户信息。
在本申请的至少一个实施例中，所述用户信息是指风控检测所需的信息，所述用户信息包括：用户身份证号、年收入、消费状况等。
在本申请的至少一个实施例中，所述电子设备根据所述资金路由请求及所述渠道风控模型获取用户信息包括：
获取发起所述资金路由请求的IP地址及所述资金路由请求的发起时间；
根据所述IP地址确定目标客户端，并从所述目标客户端中获取日志表；
从所述日志表中获取与所述发起时间对应的账号；
根据所述账号确定发起用户，并从预设档案库中获取与所述发起用户对应的信息；
从获取到的信息中筛选与所述渠道风控模型对应的信息作为所述用户信息。
其中，所述预设档案库中存储多个用户及多个用户的相关信息。
具体地，所述电子设备从获取到的信息中筛选与所述渠道风控模型对应的信息作为所述用户信息包括：
从所述当前渠道信息中提取出确定所述渠道风控模型的目标渠道信息，并从所述获取到的信息中筛选出与所述目标渠道信息对应的信息，作为所述用户信息。
例如：提取出确定渠道风控模型的目标渠道信息为：年收入大于30万，获取到的信息包括：手机号码、年收入、家庭成员，从所述获取到的信息中获取与所述目标渠道信息对应的目标信息为：年收入。
利用所述渠道风控模型能够获取到风控检测所需的用户信息，不仅能够提高风控检测的效率，还能够节省电子设备的存储空间。
S15，依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测。
在本申请的至少一个实施例中，所述风控检测是指检测所述用户信息是否满足所述需求渠道的风控要求，例如，用户年收入大于20万。
其中，所述风控要求可以包括一个或者多个要求。
在本申请的至少一个实施例中，所述电子设备依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测包括：
依照所述优先级从高至低的排列顺序从所述需求渠道中确定目标渠道；
从所述渠道风控模型中确定与所述目标渠道对应的目标模型；
将所述用户信息输入至所述目标模型中，得到输出结果；
当所述输出结果为通过检测时，确定所述用户信息通过所述需求渠道的风控检测。
其中，由于所述渠道风控模型是由多个渠道的当前渠道信息确定的，同时，每个渠道的当前渠道信息有所不同，因此，所述渠道风控模型可以包含多个不同的模型。
例如：需求渠道包括3个渠道，分别为渠道B、渠道C、渠道D，所述渠道B的优先级为60％、渠道C的优先级为40％、渠道D的优先级为20％，依照所述优先级的排列顺序，将所述渠道B确定为目标渠道，并获取所述渠道B的渠道风控模型，作为目标模型，将所述用户信息输入至所述目标模型，得到输出结果为所述用户信息通过所述渠道B的风控检测，确定所述用户信息通过所述渠道B的风控检测。
在其他实施例中，当所述输出结果为未通过检测时，确定所述用户信息未通过所述需求渠道的风控检测时，所述电子设备继续执行依照所述优先级从高至低的排列顺序从所述需求渠道中确定目标渠道。
例如：承接上述例子，当所述渠道B的输出结果为未通过检测时，确定所述用户信息未通过所述渠道B的风控检测，所述电子设备确定出目标渠道为所述渠道C，并验证所述用户信息是否通过所述渠道C的风控检测。
S16，当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
需要强调的是，为进一步保证上述响应结果的私密和安全性，上述响应结果还可以存储于一区块链的节点中。
在本申请的至少一个实施例中，当所述用户信息通过所述任意需求渠道的风控检测时，所述电子设备停止验证所述用户信息是否通过其他需求渠道的风控检测。
例如：所述需求渠道包括渠道E及渠道F，所述渠道E的优先级高于所述渠道F的优先级，当用户信息用过所述渠道E的风控检测时，将所述渠道E作为所述资金路由请求的响应结果，并停止验证所述用户信息是否通过所述渠道F的风控检测。
在本申请的至少一个实施例中，在将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果后，所述方法还包括：
获取所述资金路由请求的请求编号；
根据所述请求编号及所述响应结果生成提示信息；
采用对称加密技术加密所述提示信息，得到密文；
将所述密文发送至指定联系人的终端设备。
通过上述实施方式，能够在得到所述响应结果时，及时生成并发送提示信息，同时，对所述提示信息进行加密处理，提高所述提示信息的安全性。
由以上技术方案可以看出，本申请能够当接收到资金路由请求时，从所述资金路由请求中获取用户需求；由于所述资金路由请求是由用户触发的，因此从所述资金路由请求中能够获取到真实反映用户意愿的意见需求，从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；通过获取有效资金渠道，能够避免对无效资金渠道的分析，同时，通过确定需求渠道，不仅能够过滤掉非用户意向的资金渠道，提高分析效率，还能够加入用户意向的资金渠道，使风控检测更加完善，获取所述需求渠道的当前渠道信息；由于所述当前渠道信息是实时获取的，因此，能够获取到需求渠道动态更新的信息，以提高风控检测准确度，根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；根据所述资金路由请求及所述渠道风控模型获取用户信息；利用所述渠道风控模型能够获取到风控检测所需的用户信息，不仅能够提高风控检测的效率，还能够节省电子设备的存储空间， 依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。本申请结合了用户需求及当前渠道信息对有效资金渠道进行分析，能够为用户找到合适的资金渠道，同时，由于已经排除了对无效资金渠道的分析，因此，能够提高资金渠道的确认效率。
如图2所示，是本申请资金路由装置的较佳实施例的功能模块图。所述资金路由装置11包括获取单元110、确定单元111、验证单元112、生成单元113、加密单元114及发送单元115。本申请所称的模块/单元是指一种能够被处理器13所获取，并且能够完成固定功能的一系列计算机可读指令段，其存储在存储器12中。在本实施例中，关于各模块/单元的功能将在后续的实施例中详述。
当接收到资金路由请求时，获取单元110从所述资金路由请求中获取用户需求。
在本申请的至少一个实施例中，所述资金路由请求可以由用户发起，也可以在预设时间内自动触发。
其中，所述预设时间可以是一个时间段，也可以是一个时间点，本申请对此不作限制，例如，所述预设时间为每天早上十点钟。
在本申请的至少一个实施例中，所述用户需求是指用户对资金渠道的意见需求，例如，所述用户需求为：不使用A银行的产品。
在本申请的至少一个实施例中，所述获取单元110从所述资金路由请求中获取用户需求包括：
从预设线程池中获取闲置线程；
利用所述闲置线程解析所述资金路由请求的方法体，得到所述资金路由请求携带的数据信息；
获取预设标签，并从所述数据信息中获取与所述预设标签对应的信息，作为所述用户需求。
其中，所述预设标签是指预先定义好的标签，例如，所述预设标签可以是name。
进一步地，所述方法体是指所述资金路由请求的报文。
通过从所述预设线程池中获取线程，能够节省创建线程的时间，同时，利用所述闲置线程解析方法体，由于无需等待线程处理其他请求，及无需解析所述资金路由请求的报文头，因此，能够提高解析效率，此外，利用所述预设标签，能够准确获取到所述用户需求。
确定单元111从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道。
在本申请的至少一个实施例中，所述资金池中存储多个资金渠道及每个资金渠道的有效标识，其中，所述多个资金渠道包括，但不限于：银行及信托。
在本申请的至少一个实施例中，所述确定单元111从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道包括：
从所述资金池中获取每个资金渠道的有效标识；
将所述有效标识为预设标识的资金渠道确定为所述有效资金渠道；
提取所述用户需求中的非意向渠道及意向渠道；
检测所述有效资金渠道中是否包括所述非意向渠道，并检测所述有效资金渠道中是否包括所述意向渠道；
当所述有效资金渠道中包括所述非意向渠道时，将所述非意向渠道从所述有效资金渠道中删除，以及当所述有效资金渠道中不包括所述意向渠道时，将所述意向渠道融入所述有效资金渠道中，得到所述需求渠道。
其中，所述非意向渠道是指用户不感兴趣的资金渠道，所述意向渠道是指用户感兴趣的资金渠道。
通过获取有效资金渠道，能够避免对无效资金渠道的分析，同时，通过确定需求渠道，不仅能够过滤掉非用户意向的资金渠道，提高分析效率，还能够加入用户意向的资金渠道，使风控检测更加完善。
所述获取单元110获取所述需求渠道的当前渠道信息。
在本申请的至少一个实施例中，所述当前渠道信息是指所述需求渠道实时更新后的渠道信息。其中，所述当前渠道信息包括，但不限于：放款速度、风控通过率、资金成本以及利率优惠等信息。
在本申请的至少一个实施例中，所述获取单元110获取所述需求渠道的当前渠道信息包括以下一种或者多种方式的组合：
确定所述需求渠道对应的渠道网站，并从所述渠道网站中获取与预设栏位对应的字段，作为所述当前渠道信息；和/或
确定所述需求渠道对应的纸质文本，并基于OCR(Optical Character Recognition，光学字符识别)技术从所述纸质文本中识别所述当前渠道信息。
通过上述实施方式，能够利用多种方式获取所述当前渠道信息，由于所述当前渠道信息是实时获取的，因此，能够获取到需求渠道动态更新的信息，以提高风控检测准确度。
所述确定单元111根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型。
在本申请的至少一个实施例中，所述渠道风控模型是利用机器学习算法对所述当前渠道信息进行分析确定的。每个需求渠道对应一个渠道风控模型，所述渠道风控模型是由多个指标权限组成的，例如，每个渠道风控模型中携带的信息可以包括：年收入大于30W，公积金余额大于10W等。
在本申请的至少一个实施例中，所述确定单元111根据所述当前渠道信息确定所述需求渠道的优先级包括：
获取所述当前渠道信息对应的权重；
对所述当前渠道信息及所述权重进行加权和运算，得到所述需求渠道的优先级。
例如：需求渠道A的当前渠道信息包括资金成本、贷款流程复杂度以及风控通过率，所述资金成本为10％，权重为50％，所述贷款流程复杂度为40％，权重为30％，所述风控通过率为70％，权重为20％，经计算，所述需求渠道A的优先级为10％*50％+40％*30％+70％*20％＝31％。
通过上述实施方式，能够快速确定所述需求渠道的优先级，进而通过所述优先级为用户选取最有利于用户的资金渠道。
在本申请的至少一个实施例中，所述确定单元111根据所述当前渠道信息确定所述需求渠道的渠道风控模型包括：
获取所述需求渠道的客户信息；
基于机器学习算法，利用所述客户信息确定所述需求渠道对所述当前渠道信息的主推力度；
将所述主推力度大于配置值的当前渠道信息确定为目标信息；
融合所述目标信息，得到所述渠道风控模型。
具体地，所述确定单元111基于机器学习算法，利用所述客户信息确定所述需求渠道对所述当前渠道信息的主推力度包括：
从所述客户信息中提取每个客户在所述当前渠道信息上的渠道值；
获取所述客户在所述需求渠道上的渠道评分；
根据所述渠道值及所述渠道评分确定所述主推力度。
例如：获取到需求渠道的客户甲的信息包括：年收入为30W，名下有价值200W的房产，公积金余额为10W；客户乙的信息包括：年收入为40W，名下有价值300W的房产，公积金余额为5W；客户丙的信息包括：年收入为50W，名下有价值200W的房产，公积金余额为20W。提取到所述客户甲在年收入大于25W上的渠道值为30W，所述客户甲在房产价值大于 150W上的渠道值为200W，所述客户甲在公积金余额大于1W上的渠道值为10W；提取到所述客户乙在年收入大于25W上的渠道值为40W，所述客户乙在房产价值大于150W上的渠道值为300W，所述客户乙在公积金余额大于1W上的渠道值为5W；提取到所述客户丙在年收入大于25W上的渠道值为50W，所述客户丙在房产价值大于150W上的渠道值为200W，所述客户丙在公积金余额大于1W上的渠道值为20W。获取到所述客户甲的渠道评分为77，所述客户乙的渠道评分为111，所述客户丙的渠道评分为89，经计算，得到年收入大于25W的主推力度为50％，房产价值大于150W的主推力度为30％，公积金余额大于1W的主推力度为20％。
在本申请的至少一个实施例中，所述确定单元111融合所述目标信息，得到所述渠道风控模型。
承接上述例子，目标信息为年收入大于25W及房产价值大于150W，融合所述目标信息，得到渠道风控模型为：年收入大于25Wand房产价值大于150W。
所述获取单元110根据所述资金路由请求及所述渠道风控模型获取用户信息。
在本申请的至少一个实施例中，所述用户信息是指风控检测所需的信息，所述用户信息包括：用户身份证号、年收入、消费状况等。
在本申请的至少一个实施例中，所述获取单元110根据所述资金路由请求及所述渠道风控模型获取用户信息包括：
获取发起所述资金路由请求的IP地址及所述资金路由请求的发起时间；
根据所述IP地址确定目标客户端，并从所述目标客户端中获取日志表；
从所述日志表中获取与所述发起时间对应的账号；
根据所述账号确定发起用户，并从预设档案库中获取与所述发起用户对应的信息；
从获取到的信息中筛选与所述渠道风控模型对应的信息作为所述用户信息。
其中，所述预设档案库中存储多个用户及多个用户的相关信息。
具体地，所述获取单元110从获取到的信息中筛选与所述渠道风控模型对应的信息作为所述用户信息包括：
从所述当前渠道信息中提取出确定所述渠道风控模型的目标渠道信息，并从所述获取到的信息中筛选出与所述目标渠道信息对应的信息，作为所述用户信息。
例如：提取出确定渠道风控模型的目标渠道信息为：年收入大于30万，获取到的信息包括：手机号码、年收入、家庭成员，从所述获取到的信息中获取与所述目标渠道信息对应的目标信息为：年收入。
利用所述渠道风控模型能够获取到风控检测所需的用户信息，不仅能够提高风控检测的效率，还能够节省电子设备的存储空间。
验证单元依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测。
在本申请的至少一个实施例中，所述风控检测是指检测所述用户信息是否满足所述需求渠道的风控要求，例如，用户年收入大于20万。
其中，所述风控要求可以包括一个或者多个要求。
在本申请的至少一个实施例中，所述验证单元依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测包括：
依照所述优先级从高至低的排列顺序从所述需求渠道中确定目标渠道；
从所述渠道风控模型中确定与所述目标渠道对应的目标模型；
将所述用户信息输入至所述目标模型中，得到输出结果；
当所述输出结果为通过检测时，确定所述用户信息通过所述需求渠道的风控检测。
其中，由于所述渠道风控模型是由多个渠道的当前渠道信息确定的，同时，每个渠道的当前渠道信息有所不同，因此，所述渠道风控模型可以包含多个不同的模型。
例如：需求渠道包括3个渠道，分别为渠道B、渠道C、渠道D，所述渠道B的优先级 为60％、渠道C的优先级为40％、渠道D的优先级为20％，依照所述优先级的排列顺序，将所述渠道B确定为目标渠道，并获取所述渠道B的渠道风控模型，作为目标模型，将所述用户信息输入至所述目标模型，得到输出结果为所述用户信息通过所述渠道B的风控检测，确定所述用户信息通过所述渠道B的风控检测。
在其他实施例中，当所述输出结果为未通过检测时，确定所述用户信息未通过所述需求渠道的风控检测时，所述验证单元继续执行依照所述优先级从高至低的排列顺序从所述需求渠道中确定目标渠道。
例如：承接上述例子，当所述渠道B的输出结果为未通过检测时，确定所述用户信息未通过所述渠道B的风控检测，所述验证单元确定出目标渠道为所述渠道C，并验证所述用户信息是否通过所述渠道C的风控检测。
当所述用户信息通过所述需求渠道的风控检测时，所述确定单元111将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
需要强调的是，为进一步保证上述响应结果的私密和安全性，上述响应结果还可以存储于一区块链的节点中。
在本申请的至少一个实施例中，当所述用户信息通过所述任意需求渠道的风控检测时，所述验证单元112停止验证所述用户信息是否通过其他需求渠道的风控检测。
例如：所述需求渠道包括渠道E及渠道F，所述渠道E的优先级高于所述渠道F的优先级，当用户信息用过所述渠道E的风控检测时，将所述渠道E作为所述资金路由请求的响应结果，并停止验证所述用户信息是否通过所述渠道F的风控检测。
在本申请的至少一个实施例中，在将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果后，所述获取单元110获取所述资金路由请求的请求编号；
生成单元113根据所述请求编号及所述响应结果生成提示信息；
加密单元114采用对称加密技术加密所述提示信息，得到密文；
发送单元115将所述密文发送至指定联系人的终端设备。
通过上述实施方式，能够在得到所述响应结果时，及时生成并发送提示信息，同时，对所述提示信息进行加密处理，提高所述提示信息的安全性。
由以上技术方案可以看出，本申请能够当接收到资金路由请求时，从所述资金路由请求中获取用户需求；由于所述资金路由请求是由用户触发的，因此从所述资金路由请求中能够获取到真实反映用户意愿的意见需求，从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；通过获取有效资金渠道，能够避免对无效资金渠道的分析，同时，通过确定需求渠道，不仅能够过滤掉非用户意向的资金渠道，提高分析效率，还能够加入用户意向的资金渠道，使风控检测更加完善，获取所述需求渠道的当前渠道信息；由于所述当前渠道信息是实时获取的，因此，能够获取到需求渠道动态更新的信息，以提高风控检测准确度，根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；根据所述资金路由请求及所述渠道风控模型获取用户信息；利用所述渠道风控模型能够获取到风控检测所需的用户信息，不仅能够提高风控检测的效率，还能够节省电子设备的存储空间，依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。本申请结合了用户需求及当前渠道信息对有效资金渠道进行分析，能够为用户找到合适的资金渠道，同时，由于已经排除了对无效资金渠道的分析，因此，能够提高资金渠道的确认效率。
如图3所示，是本申请实现资金路由方法的较佳实施例的电子设备的结构示意图。
在本申请的一个实施例中，所述电子设备1包括，但不限于，存储器12、处理器13，以及存储在所述存储器12中并可在所述处理器13上运行的计算机可读指令，例如资金路由程序。
本领域技术人员可以理解，所述示意图仅仅是电子设备1的示例，并不构成对电子设备1的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件，例如所述电子设备1还可以包括输入输出设备、网络接入设备、总线等。
所述处理器13可以是中央处理单元(Central Processing Unit，CPU)，还可以是其他通用处理器、数字信号处理器(Digital Signal Processor，DSP)、专用集成电路(Application Specific Integrated Circuit，ASIC)、现场可编程门阵列(Field-Programmable Gate Array，FPGA)或者其他可编程逻辑器件、分立门或者晶体管逻辑器件、分立硬件组件等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等，所述处理器13是所述电子设备1的运算核心和控制中心，利用各种接口和线路连接整个电子设备1的各个部分，及执行所述电子设备1的操作系统以及安装的各类应用程序、程序代码等。
所述处理器13执行所述电子设备1的操作系统以及安装的各类应用程序。所述处理器13执行所述应用程序以实现上述各个资金路由方法实施例中的步骤，例如图1所示的步骤。
示例性的，所述计算机可读指令可以被分割成一个或多个模块/单元，所述一个或者多个模块/单元被存储在所述存储器12中，并由所述处理器13执行，以完成本申请。所述一个或多个模块/单元可以是能够完成特定功能的一系列计算机可读指令段，该指令段用于描述所述计算机可读指令在所述电子设备1中的执行过程。例如，所述计算机可读指令可以被分割成获取单元110、确定单元111、验证单元112、生成单元113、加密单元114及发送单元115。
所述存储器12可用于存储所述计算机可读指令和/或模块，所述处理器13通过运行或执行存储在所述存储器12内的计算机可读指令和/或模块，以及调用存储在存储器12内的数据，实现所述电子设备1的各种功能。所述存储器12可主要包括存储程序区和存储数据区，其中，存储程序区可存储操作系统、至少一个功能所需的应用程序(比如声音播放功能、图像播放功能等)等；存储数据区可存储根据电子设备的使用所创建的数据等。此外，存储器12可以包括非易失性存储器，也可以包括易失性存储器，例如硬盘、内存、插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)、至少一个磁盘存储器件、闪存器件、随机存取存储器、或其他存储器件。
所述存储器12可以是电子设备1的外部存储器和/或内部存储器。进一步地，所述存储器12可以是具有实物形式的存储器，如内存条、TF卡(Trans-flash Card)等等。
所述电子设备1集成的模块/单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中，所述计算机可读存储介质可以是非易失性的存储介质，也可以是易失性的存储介质。基于这样的理解，本申请实现上述实施例方法中的全部或部分流程，也可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一计算机可读存储介质中，该计算机可读指令在被处理器执行时，可实现上述各个方法实施例的步骤。
其中，所述计算机可读指令包括计算机可读指令代码，所述计算机可读指令代码可以为源代码形式、对象代码形式、可执行文件或某些中间形式等。所述计算机可读介质可以包括：能够携带所述计算机可读指令代码的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器。
本申请所指区块链是分布式数据存储、点对点传输、共识机制、加密算法等计算机技术的新型应用模式。区块链(Blockchain)，本质上是一个去中心化的数据库，是一串使用密码学方法相关联产生的数据块，每一个数据块中包含了一批次网络交易的信息，用于验证其信息的有效性(防伪)和生成下一个区块。区块链可以包括区块链底层平台、平台产品服务层以及应用服务层等。
结合图1，所述电子设备1中的所述存储器12存储多个指令以实现一种资金路由方法，所述处理器13可执行所述多个指令从而实现：
当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
获取所述需求渠道的当前渠道信息；
根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
根据所述资金路由请求及所述渠道风控模型获取用户信息；
依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
具体地，所述处理器13对上述指令的具体实现方法可参考图1对应实施例中相关步骤的描述，在此不赘述。
在本申请所提供的几个实施例中，应该理解到，所揭露的系统，装置和方法，可以通过其它的方式实现。例如，以上所描述的装置实施例仅仅是示意性的，例如，所述模块的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式。
所述作为分离部件说明的模块可以是或者也可以不是物理上分开的，作为模块显示的部件可以是或者也可以不是物理单元，既可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部模块来实现本实施例方案的目的。
另外，在本申请各个实施例中的各功能模块可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用硬件加软件功能模块的形式实现。
因此，无论从哪一点来看，均应将实施例看作是示范性的，而且是非限制性的，本申请的范围由所附权利要求而不是上述说明限定，因此旨在将落在权利要求的等同要件的含义和范围内的所有变化涵括在本申请内。不应将权利要求中的任何附关联图标记视为限制所涉及的权利要求。
此外，显然“包括”一词不排除其他单元或步骤，单数不排除复数。本申请中陈述的多个单元或装置也可以由一个单元或装置通过软件或者硬件来实现。第一、第二等词语用来表示名称，而并不表示任何特定的顺序。
最后应说明的是，以上实施例仅用以说明本申请的技术方案而非限制，尽管参照较佳实施例对本申请进行了详细说明，本领域的普通技术人员应当理解，可以对本申请的技术方案进行修改或等同替换，而不脱离本申请技术方案的精神和范围。

Claims (20)

  1. 一种资金路由方法，其中，所述资金路由方法包括：
    当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
    从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
    获取所述需求渠道的当前渠道信息；
    根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
    根据所述资金路由请求及所述渠道风控模型获取用户信息；
    依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
    当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
  2. 根据权利要求1所述的资金路由方法，其中，所述从所述资金路由请求中获取用户需求包括：
    从预设线程池中获取闲置线程；
    利用所述闲置线程解析所述资金路由请求的方法体，得到所述资金路由请求携带的数据信息；
    获取预设标签，并从所述数据信息中获取与所述预设标签对应的信息，作为所述用户需求。
  3. 根据权利要求1所述的资金路由方法，其中，所述从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道包括：
    从所述资金池中获取每个资金渠道的有效标识；
    将所述有效标识为预设标识的资金渠道确定为所述有效资金渠道；
    提取所述用户需求中的非意向渠道及意向渠道；
    检测所述有效资金渠道中是否包括所述非意向渠道，并检测所述有效资金渠道中是否包括所述意向渠道；
    当所述有效资金渠道中包括所述非意向渠道时，将所述非意向渠道从所述有效资金渠道中删除，以及当所述有效资金渠道中不包括所述意向渠道时，将所述意向渠道融入所述有效资金渠道中，得到所述需求渠道。
  4. 根据权利要求1所述的资金路由方法，其中，所述获取所述需求渠道的当前渠道信息包括以下一种或者多种方式的组合：
    确定所述需求渠道对应的渠道网站，并从所述渠道网站中获取与预设栏位对应的字段，作为所述当前渠道信息；和/或
    确定所述需求渠道对应的纸质文本，并基于OCR技术从所述纸质文本中识别所述当前渠道信息。
  5. 根据权利要求1所述的资金路由方法，其中，所述根据所述资金路由请求及所述渠道风控模型获取用户信息包括：
    获取发起所述资金路由请求的IP地址及所述资金路由请求的发起时间；
    根据所述IP地址确定目标客户端，并从所述目标客户端中获取日志表；
    从所述日志表中获取与所述发起时间对应的账号；
    根据所述账号确定发起用户，并从预设档案库中获取与所述发起用户对应的信息；
    从获取到的信息中筛选与所述渠道风控模型对应的信息作为所述用户信息。
  6. 根据权利要求1所述的资金路由方法，其中，所述依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测包括：
    依照所述优先级从高至低的排列顺序从所述需求渠道中确定目标渠道；
    从所述渠道风控模型中确定与所述目标渠道对应的目标模型；
    将所述用户信息输入至所述目标模型中，得到输出结果；
    当所述输出结果为通过检测时，确定所述用户信息通过所述需求渠道的风控检测。
  7. 根据权利要求1所述的资金路由方法，其中，在将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果后，所述方法还包括：
    获取所述资金路由请求的请求编号；
    根据所述请求编号及所述响应结果生成提示信息；
    采用对称加密技术加密所述提示信息，得到密文；
    将所述密文发送至指定联系人的终端设备。
  8. 一种资金路由装置，其中，所述资金路由装置包括：
    获取单元，用于当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
    确定单元，用于从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
    所述获取单元，还用于获取所述需求渠道的当前渠道信息；
    所述确定单元，还用于根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
    所述获取单元，还用于根据所述资金路由请求及所述渠道风控模型获取用户信息；
    验证单元，用于依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
    所述确定单元，还用于当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
  9. 一种电子设备，其中，所述电子设备包括处理器和存储器，所述处理器用于执行存储器中存储的至少一个计算机可读指令以实现以下步骤：
    当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
    从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
    获取所述需求渠道的当前渠道信息；
    根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
    根据所述资金路由请求及所述渠道风控模型获取用户信息；
    依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
    当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
  10. 根据权利要求9所述的电子设备，其中，在所述从所述资金路由请求中获取用户需求时，所述处理器执行所述至少一个计算机可读指令以实现以下步骤：
    从预设线程池中获取闲置线程；
    利用所述闲置线程解析所述资金路由请求的方法体，得到所述资金路由请求携带的数据信息；
    获取预设标签，并从所述数据信息中获取与所述预设标签对应的信息，作为所述用户需求。
  11. 根据权利要求9所述的电子设备，其中，在所述从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道时，所述处理器执行所述至少一个计算机可读指令以实现以下步骤：
    从所述资金池中获取每个资金渠道的有效标识；
    将所述有效标识为预设标识的资金渠道确定为所述有效资金渠道；
    提取所述用户需求中的非意向渠道及意向渠道；
    检测所述有效资金渠道中是否包括所述非意向渠道，并检测所述有效资金渠道中是否包括所述意向渠道；
    当所述有效资金渠道中包括所述非意向渠道时，将所述非意向渠道从所述有效资金渠道中删除，以及当所述有效资金渠道中不包括所述意向渠道时，将所述意向渠道融入所述有效资金渠道中，得到所述需求渠道。
  12. 根据权利要求9所述的电子设备，其中，在所述获取所述需求渠道的当前渠道信息时，所述处理器执行所述至少一个计算机可读指令以实现以下步骤：
    确定所述需求渠道对应的渠道网站，并从所述渠道网站中获取与预设栏位对应的字段，作为所述当前渠道信息；和/或
    确定所述需求渠道对应的纸质文本，并基于OCR技术从所述纸质文本中识别所述当前渠道信息。
  13. 根据权利要求9所述的电子设备，其中，在所述根据所述资金路由请求及所述渠道风控模型获取用户信息时，所述处理器执行所述至少一个计算机可读指令以实现以下步骤：
    获取发起所述资金路由请求的IP地址及所述资金路由请求的发起时间；
    根据所述IP地址确定目标客户端，并从所述目标客户端中获取日志表；
    从所述日志表中获取与所述发起时间对应的账号；
    根据所述账号确定发起用户，并从预设档案库中获取与所述发起用户对应的信息；
    从获取到的信息中筛选与所述渠道风控模型对应的信息作为所述用户信息。
  14. 根据权利要求9所述的电子设备，其中，在所述依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测时，所述处理器执行所述至少一个计算机可读指令以实现以下步骤：
    依照所述优先级从高至低的排列顺序从所述需求渠道中确定目标渠道；
    从所述渠道风控模型中确定与所述目标渠道对应的目标模型；
    将所述用户信息输入至所述目标模型中，得到输出结果；
    当所述输出结果为通过检测时，确定所述用户信息通过所述需求渠道的风控检测。
  15. 一种计算机可读存储介质，其中，所述计算机可读存储介质存储有至少一个计算机可读指令，所述至少一个计算机可读指令被处理器执行时实现以下步骤：
    当接收到资金路由请求时，从所述资金路由请求中获取用户需求；
    从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道；
    获取所述需求渠道的当前渠道信息；
    根据所述当前渠道信息确定所述需求渠道的优先级及渠道风控模型；
    根据所述资金路由请求及所述渠道风控模型获取用户信息；
    依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测；
    当所述用户信息通过所述需求渠道的风控检测时，将最先通过风控检测的需求渠道确定为所述资金路由请求的响应结果。
  16. 根据权利要求15所述的存储介质，其中，在所述从所述资金路由请求中获取用户需求时，所述至少一个计算机可读指令被处理器执行以实现以下步骤：
    从预设线程池中获取闲置线程；
    利用所述闲置线程解析所述资金路由请求的方法体，得到所述资金路由请求携带的数据信息；
    获取预设标签，并从所述数据信息中获取与所述预设标签对应的信息，作为所述用户需求。
  17. 根据权利要求15所述的存储介质，其中，在所述从资金池中获取有效资金渠道，并利用所述用户需求及所述有效资金渠道确定需求渠道时，所述至少一个计算机可读指令被 处理器执行以实现以下步骤：
    从所述资金池中获取每个资金渠道的有效标识；
    将所述有效标识为预设标识的资金渠道确定为所述有效资金渠道；
    提取所述用户需求中的非意向渠道及意向渠道；
    检测所述有效资金渠道中是否包括所述非意向渠道，并检测所述有效资金渠道中是否包括所述意向渠道；
    当所述有效资金渠道中包括所述非意向渠道时，将所述非意向渠道从所述有效资金渠道中删除，以及当所述有效资金渠道中不包括所述意向渠道时，将所述意向渠道融入所述有效资金渠道中，得到所述需求渠道。
  18. 根据权利要求15所述的存储介质，其中，在所述获取所述需求渠道的当前渠道信息时，所述至少一个计算机可读指令被处理器执行以实现以下步骤：
    确定所述需求渠道对应的渠道网站，并从所述渠道网站中获取与预设栏位对应的字段，作为所述当前渠道信息；和/或
    确定所述需求渠道对应的纸质文本，并基于OCR技术从所述纸质文本中识别所述当前渠道信息。
  19. 根据权利要求15所述的存储介质，其中，在所述根据所述资金路由请求及所述渠道风控模型获取用户信息时，所述至少一个计算机可读指令被处理器执行时以实现以下步骤：
    获取发起所述资金路由请求的IP地址及所述资金路由请求的发起时间；
    根据所述IP地址确定目标客户端，并从所述目标客户端中获取日志表；
    从所述日志表中获取与所述发起时间对应的账号；
    根据所述账号确定发起用户，并从预设档案库中获取与所述发起用户对应的信息；
    从获取到的信息中筛选与所述渠道风控模型对应的信息作为所述用户信息。
  20. 根据权利要求15所述的存储介质，其中，在所述依照所述优先级从高至低的排列顺序，验证所述用户信息是否通过所述需求渠道的风控检测时，所述至少一个计算机可读指令被处理器执行以实现以下步骤：
    依照所述优先级从高至低的排列顺序从所述需求渠道中确定目标渠道；
    从所述渠道风控模型中确定与所述目标渠道对应的目标模型；
    将所述用户信息输入至所述目标模型中，得到输出结果；
    当所述输出结果为通过检测时，确定所述用户信息通过所述需求渠道的风控检测。
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