CN111625556B - Order matching method, device, equipment and storage medium based on credit investigation - Google Patents
Order matching method, device, equipment and storage medium based on credit investigation Download PDFInfo
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Abstract
The embodiment of the invention discloses an order matching method, device and equipment based on credit and a storage medium. The method comprises the following steps: generating at least one target retrieval message according to a historical credit record between an asset order input by a user and at least one fund party to be matched and a credit strategy of each fund party to be matched; determining the target credit score of each fund party to be matched according to each target retrieval information and a preset credit score list; and sorting all the funds to be matched based on the target credit score, and sequentially matching the asset order with all the funds to be matched based on the sorting result. According to the embodiment of the invention, the credit score of the fund party to be matched is determined based on the historical credit record and the credit policy, and the fund party to be matched is ordered according to the credit score, so that the problem of credit protection of the asset party is solved, the defect of manual operation is overcome, and the safety of the credit information of the asset party is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of internet finance, in particular to an order matching method, device and equipment based on credit, and a storage medium.
Background
With the development of internet technology, financial institution asset management businesses are continually climbing. In the process of matching the order of the asset party with the fund party, the problem that the fund party inquires the credit information of the asset party and reports the credit information is involved, and different fund parties inquire the credit and report the credit strategies are different. If the fund party does not inquire the credit and does not report the credit, the fund party inquires the credit and does not report the credit, and the like. If the asset party is queried for credit by the fund party for multiple times, the credit information security of the asset party can be affected. If the credit information of the fund party is reported for a plurality of times, the credit evaluation of the asset party can be influenced.
The existing matching process of the asset party and the fund party is mainly realized through manual operation, but the credit investigation strategy of the fund party is not considered in the matching engineering of the manual operation, and along with the gradual enhancement of the credit investigation protection consciousness of the asset party, the traditional manual operation cannot meet the refined operation requirement on the credit investigation protection of the asset party.
Disclosure of Invention
The embodiment of the invention provides an order matching method, device, equipment and storage medium based on credit investigation, which are used for making up the defect of manual operation and improving the safety of credit investigation information of an asset side.
In a first aspect, an embodiment of the present invention provides a credit-based order matching method, where the method includes:
generating at least one target retrieval message according to a historical credit record between an asset order input by a user and at least one fund party to be matched and a credit strategy of each fund party to be matched;
determining the target credit score of each fund party to be matched according to each target retrieval information and a preset credit score list;
and sorting all the funds to be matched based on the target credit score, and sequentially matching the asset order with all the funds to be matched based on the sorting result.
In a second aspect, an embodiment of the present invention further provides an order matching device based on credit, where the device includes:
the target retrieval information generation module is used for generating at least one target retrieval information according to a historical credit record between an asset order input by a user and at least one fund party to be matched and a credit strategy of each fund party to be matched;
The target credit score determining module is used for determining the target credit score of each fund party to be matched according to each target retrieval information and a preset credit score list;
and the order matching module is used for sequencing all the fund parties to be matched based on the target credit score and sequentially matching the asset order with all the fund parties to be matched based on the sequencing result.
In a third aspect, an embodiment of the present invention further provides an apparatus, including:
one or more processors;
a memory for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement any of the credit-based order matching methods described above in relation to the above.
In a fourth aspect, embodiments of the present invention also provide a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform any of the credit-based order matching methods referred to above.
According to the embodiment of the invention, the credit score of the fund party to be matched is determined based on the historical credit record and the credit policy, and the fund party to be matched is ordered according to the credit score, so that the problem of credit protection of the asset party is solved, the defect of manual operation is overcome, and the safety of the credit information of the asset party is improved.
Drawings
Fig. 1 is a flowchart of a credit-based order matching method according to an embodiment of the present invention.
Fig. 2 is a flowchart of an order matching method based on credit according to a second embodiment of the present invention.
Fig. 3 is a flowchart of an order matching method based on credit according to a third embodiment of the present invention.
Fig. 4 is a schematic diagram of an order matching device based on credit according to a fourth embodiment of the present invention.
Fig. 5 is a schematic structural diagram of an apparatus according to a fifth embodiment of the present invention.
Detailed Description
The invention is described in further detail below with reference to the drawings and examples. It is to be understood that the specific embodiments described herein are merely illustrative of the invention and are not limiting thereof. It should be further noted that, for convenience of description, only some, but not all of the structures related to the present invention are shown in the drawings.
Example 1
Fig. 1 is a flowchart of a credit-based order matching method provided in an embodiment of the present invention, where the embodiment is applicable to a situation where an asset order and a fund party are matched and audited, the method may be performed by a credit-based order matching device, and the device may be implemented in a software and/or hardware manner, and the device may be configured in a terminal device. The method specifically comprises the following steps:
S110, generating at least one target retrieval information according to a historical credit record between the asset order and at least one fund party to be matched input by a user and a credit strategy of each fund party to be matched.
The personal credit system is a system for evaluating the credit level of the asset side and recording and archiving at any time according to the income and the assets of the asset side, the borrowing and repayment occurred, the credit overdrawing and the penalties and litigation conditions when bad credit is occurred, so that the fund side can determine whether to provide funds or how much funds to the asset side, and the credit record is an objective record of the personal credit information of the asset side.
Wherein the asset order includes transaction data provided by the asset party. Wherein the historical credit record between the asset order and the at least one funds party to be matched comprises a historical credit record between the asset party providing the asset order and the at least one funds party to be matched. Exemplary historical credit records include, but are not limited to, whether there is a historical transaction success record, the time each historical transaction was successful, the transaction amount each historical transaction was successful. In this embodiment, the historical credit record includes a historical query credit record. Illustratively, the historical query credit records include whether each historical transaction success order queries the credit record and the time at which the credit record was queried, and so forth.
In this embodiment, the credit investigation policy includes a query credit investigation policy. In one embodiment, the query credit policy optionally includes whether to query the credit and a validity period of the query credit. Specifically, the validity period of the query credit refers to a period of time when the party to be matched queries the party for one time the credit record, and the query result of this time is stored for a period of time, namely the validity period. For example, if the validity period of the query credit of the to-be-matched fund party a is 6 months, when the same asset party submits multiple asset orders within 6 months from the last query credit, the to-be-matched fund party a will not query the credit record of the asset party again.
The target retrieval information is generated after integrating the historical credit record and the credit strategy. In this embodiment, the target retrieval information includes query credit retrieval information. In one embodiment, the query credit search information includes whether the party to be matched queries credit, whether the party to be matched and the party to be matched have history transaction success records, whether the transaction time of the asset order is within the validity period of the query credit of the party to be matched and whether the transaction of the asset order queries credit records. Whether the asset order transaction inquires the credit record refers to whether the capital party to be matched inquires the credit record of the asset party if the capital party to be matched passes the asset order.
S120, determining the target credit score of each fund party to be matched according to each target retrieval information and a preset credit score list.
In this embodiment, the target search information includes query credit search information, and the preset credit score list includes a query credit score list. The query credit score list is used for a user to obtain a target credit score corresponding to the query credit search information based on the query credit search information. In this embodiment, the target credit score includes a query credit score.
Table 1 is list information of a query credit score list provided in the first embodiment of the present invention.
The inquiry credit score list is used for inquiring whether the credit records of the asset parties are required to be inquired in the inquiry credit policy of the funds parties to be matched; "whether there is a history transaction success record" means whether there is a history transaction success record between the party to be matched and the party to be matched; "whether within the validity period" means whether the transaction time of the asset order is within the validity period of the inquiry credit of the party to be matched; the term "whether to inquire credit or not this time" means whether the capital party to be matched inquires the credit record of the asset party if the asset order passes the audit. Wherein "-" indicates whether the asset order is within the validity period of the query credit when the party to be matched does not query credit and/or there is no history of successful transactions between the party to be matched and the party to be matched.
The exemplary query credit search information is "the to-be-matched fund party a does not query credit, a history transaction success record exists between the asset party and the to-be-matched fund party a, the transaction does not query credit record", the query credit score list is used for obtaining the query credit score of the to-be-matched fund party a is 7.5.
And S130, sorting all the funds to be matched based on the target credit score, and sequentially matching the asset order with all the funds to be matched based on the sorting result.
In this embodiment, the target credit score includes a query credit score. In one embodiment, the funds parties to be matched are optionally ranked based on the query credit score. In this example, assuming that the query credit scores corresponding to the funds to be matched A, B and C are 10, 7.5 and 5, respectively, the ranking result based on the query credit scores is the funds to be matched A, B and C.
Specifically, the method for sequentially matching the asset order with each fund party to be matched comprises the following steps: and sending the asset order to the fund party to be matched with the highest inquiry credit score for checking and matching, if the checking is passed, considering that the matching is successful, and stopping the subsequent checking and matching process. If the verification is not passed, the matching is considered to be failed, and the asset order is sent to the next fund party to be matched for verification and matching until the matching is successful or the verification and matching process of all the fund parties to be matched is completed.
According to the technical scheme, the credit score of the fund party to be matched is determined based on the historical credit record and the credit policy, and the fund party to be matched is ordered according to the credit score, so that the problem of credit protection of the asset party is solved, the defect of manual operation is overcome, and the safety of credit information of the asset party is improved.
It should be noted that, the query credit search information and the query credit score list provided in the embodiment of the present invention are only exemplary descriptions of the technical solutions of the present application, and are not limited thereto. Other values of query credit retrieval information and specific credit scores which are not in the embodiment are within the protection scope of the application.
Example two
Fig. 2 is a flowchart of an order matching method based on credit according to a second embodiment of the present invention, and the technical solution of this embodiment is further refinement based on the foregoing embodiment. Optionally, the credit investigation policy includes a report credit investigation policy, and correspondingly, the target retrieval information includes report credit investigation information; the preset credit score list comprises a report credit score list. Further, the determining, according to the target search information and the preset credit score list, the target credit score of each of the funds to be matched includes: and determining the report credit score of each fund party to be matched according to the report credit retrieval information and the report credit score list.
S210, generating at least one reporting credit retrieval information according to a historical credit record between an asset order and at least one fund party to be matched input by a user and a reporting credit strategy of each fund party to be matched.
In this embodiment, the historical credit record includes a historical reporting credit record. The historical report credit records include, for example, whether each historical transaction successful order reports a credit record, the time at which the credit record was reported, and so on.
In one embodiment, optionally, the reporting credit policy includes whether to report credit, a type of credit to report, a transaction amount to report, and a validity period of the credit to report. The reporting types include non-reporting, independent reporting and combined reporting. The independent reporting means that the fund party to be matched reports each transaction record generated by the fund party and the asset party. And combining and reporting means that the fund party to be matched can combine the transaction records generated by the same asset party within the validity period of reporting the credit. Reporting the transaction amount limit refers to reporting the credit record of the asset party by the to-be-matched fund party when the transaction amount between the asset party and the to-be-matched fund party meets the reporting transaction amount limit. The reporting information can be reported independently or in combination. When the reporting information is of the type of merging reporting, the transaction amount between the asset party and the fund party to be matched is the current accumulated transaction amount. Specifically, assuming that the transaction amount of reporting is 100 yuan, the transaction amount of the asset order is 20 yuan, the accumulated transaction amount of the asset side corresponding to the asset order and the fund side to be matched is 80 yuan, if the transaction of the asset order is successful, the current accumulated transaction amount reaches 100 yuan, and the fund side to be matched can combine and report all credit records corresponding to the asset side.
Specifically, the reporting and reporting policy includes the following cases: and not reporting, independently reporting after the transaction amount limit is reported, and merging and reporting after the transaction amount limit is reported and/or the validity period is out.
In this embodiment, optionally, the report credit search information includes a type of report credit of the to-be-matched fund party, whether there is a history transaction success record between the asset party and the to-be-matched fund party, whether the to-be-matched fund party sets a report transaction amount, whether the current order transaction time is within a valid period of report credit of the to-be-matched fund party, whether the current accumulated transaction amount is greater than the report transaction amount and whether the report credit record is within a preset time. In one embodiment, optionally, the preset time is the same as the validity period of the reporting credit. The report record in the preset time can be used for determining the report condition in the preset time so as to adjust the subsequent asset order sending and checking condition in advance. The reported transaction amount comprises independently reported transaction amount and combined reported transaction amount. For example, if the transaction amount of the asset order does not reach the independently reported transaction amount, the credit record corresponding to the asset order is not reported.
S220, determining the report credit score of each fund party to be matched according to the report check information and the report credit score list.
In one embodiment, optionally, the report score list includes a rank list and a target report score list, and accordingly, determining a report score of each fund party to be matched according to each report search information and the report score list includes: and aiming at each report search information, determining the report grade of the fund party to be matched according to the report search information and the grade list, and determining the report score of the fund party to be matched according to the report grade and the target report score list. Specifically, the report grade corresponding to the report credit retrieval information is queried according to the grade list, and the report credit score corresponding to the report grade is determined according to the target report score list.
Table 2 is list information of a class list provided in the second embodiment of the present invention.
The report score list is used for reporting the report score of the fund party to be matched; "whether there is a history transaction success record" means whether there is a history transaction success record between the party to be matched and the party to be matched; the term "whether the transaction amount is reported" includes the independently reported transaction amount specified in the reporting credit policy of the fund party to be matched or the combined reported transaction amount; "whether within the validity period" means whether the transaction time of the asset order is within the validity period of the reporting credit of the party to be matched; the accumulated transaction amount is larger than the reported transaction amount limit, which means that the transaction amount is larger than the independently reported transaction amount limit or the current accumulated transaction amount corresponding to the capital order is larger than the combined reported transaction amount limit; the "whether to inquire credit or not this time in the preset time" means whether the fund party to be matched can inquire credit record of the asset party in the preset time. By way of example, the preset time may be 1 month. Wherein "-" indicates that the report retrieval information is not considered.
In one embodiment, optionally, when the reporting credit policy includes a reporting transaction amount, if the current accumulated transaction amount corresponding to the asset order is less than the reporting transaction amount, determining a reporting credit score of the fund party to be matched according to the reporting level, the target reporting credit list, the current accumulated transaction amount, and the reporting transaction financial amount. The method includes the steps of determining a target initial score in a target report list according to a report level, and determining a report credit score of a fund party to be matched according to the target initial score, a current accumulated transaction limit and a report transaction financial limit. Specifically, reporting credit score = target initial score-current accumulated transaction amount/reporting transaction financial amount.
Table 3 is list information of a target report score list provided in the first embodiment of the present invention.
In this embodiment, when the search information of "whether there is a history transaction success record" in the report credit search information is different, the other search information is the same, and the report credit score corresponding to the search information of "having a history transaction success record" is higher than the report credit score corresponding to the search information of "having no history transaction success record".
And S230, sorting all the funds to be matched based on the reported credit score, and sequentially matching the asset order with all the funds to be matched based on the sorting result.
For example, assume that the reported credit scores corresponding to the funds to be matched A, B and C are 2, 13, and 4, respectively. The sorting result based on the reported credit score is the fund parties B, C and a to be matched.
Specifically, the method for sequentially matching the asset order with each fund party to be matched comprises the following steps: and sending the asset order to the fund party to be matched with the highest reporting credit score for checking and matching, if the checking is passed, considering that the matching is successful, and stopping the subsequent checking and matching process. If the verification is not passed, the matching is considered to be failed, and the asset order is sent to the next fund party to be matched for verification and matching until the matching is successful or the verification and matching process of all the fund parties to be matched is completed.
According to the technical scheme, the reporting credit score of the fund party to be matched is determined, and the fund party to be matched is ordered based on the reporting credit score, so that the problem that reporting credit information is not considered in the matching process of the asset party and the fund party is solved, the credit information safety of the asset party in the aspect of reporting credit is improved, and the asset party and the fund party are matched to meet the credit protection requirement of the asset party.
It should be noted that, the report credit search information and the report credit score list given in the embodiment of the present invention are only exemplary descriptions of the technical solution of the present application, and are not limited thereto. Other reporting information retrieval information, specific reporting level and numerical value setting of reporting information score which are not in the embodiment are all within the protection scope of the application.
Example III
Fig. 3 is a flowchart of an order matching method based on credit according to a third embodiment of the present invention, and the technical solution of this embodiment is further refinement based on the foregoing embodiment. Optionally, the credit investigation policy includes a query credit investigation policy and a report credit investigation policy, and correspondingly, the target retrieval information includes a query credit investigation information and a report credit investigation information; the preset credit score list comprises a query credit score list and a query credit score list. Further, the determining, according to the target search information and the preset credit score list, the target credit score of each of the funds to be matched includes: determining the inquiry credit score of each fund party to be matched according to the inquiry credit retrieval information and the inquiry credit score list; determining the report credit score of each fund party to be matched according to the report credit retrieval information and the report credit score list; and determining the target credit score of each fund party to be matched according to each inquiry credit score and each reporting credit score.
S310, generating at least one target retrieval information according to a historical credit record between the asset order and at least one fund party to be matched input by a user and a credit strategy of each fund party to be matched.
S320, determining inquiry credit scores of all funds to be matched according to the inquiry credit retrieval information and the inquiry credit score list, and determining reporting credit scores of all funds to be matched according to the reporting credit retrieval information and the reporting credit score list.
S330, determining the target credit score of each fund party to be matched according to the inquiry credit score and the reporting credit score.
In one embodiment, optionally, determining the target credit score of each party to be matched according to each inquiry credit score and each reported credit score includes: and determining the target credit score of each fund party to be matched according to the inquiry credit score, the reported credit score and the preset weight. Wherein, specifically, the target credit score satisfies the formula:
wherein w is i Representing a target credit score corresponding to the fund party i to be matched, lambda represents a preset weight corresponding to the inquiry credit score,indicating inquiry credit score corresponding to the fund party i to be matched,/- >And indicating the reporting credit score corresponding to the fund party i to be matched. Wherein, for example, lambda can range from 0 to 1.
In another embodiment, optionally, determining the target credit score of each party to be matched according to each inquiry credit score and each reported credit score includes: aiming at each fund party to be matched, respectively calculating the query weight corresponding to the query credit score and the reporting weight corresponding to the reporting credit score of the fund party to be matched according to a preset weight calculation formula; and determining the target credit score of the fund party to be matched according to the preset inquiry influence factor, the preset reporting influence factor, the inquiry weight and the reporting weight.
In one embodiment, optionally, the preset weight calculation formula satisfies:
wherein j represents inquiry credit or report credit,indicating the query weight or reporting weight corresponding to the fund party i to be matched>The query credit score or the report credit score corresponding to the fund to be matched i is represented, mins represents the minimum query credit score or the minimum report credit score in the query credit scores or the report credit scores of all the fund to be matched, and maxs represents the maximum query credit score or the maximum report credit score in the query credit scores or the report credit scores of all the fund to be matched.
In one embodiment, optionally, the target credit score satisfies the formula:
wherein w is i Representing target credit score, lambda corresponding to the fund party i to be matched 1 And lambda (lambda) 2 Respectively representing a preset inquiry influence factor and a preset report influence factor,and->And respectively representing the query weight and the reporting weight corresponding to the fund party i to be matched.
The value ranges of the preset query influence factors and the preset reporting influence factors are between 0 and 1. Specifically, the user may determine a preset query impact factor and a preset reporting impact factor according to the bias of credit protection of the asset party, and illustratively, if the asset party prefers to protect the query credit, the preset query impact factor is greater than the preset reporting impact factor. If the asset side prefers to protect reporting credit, the preset reporting influence factor is larger than the preset inquiring influence factor.
And S340, sorting all the funds to be matched based on the target credit score, and sequentially matching the asset order with all the funds to be matched based on the sorting result.
Specifically, the method for sequentially matching the asset order with each fund party to be matched comprises the following steps: and sending the asset order to the fund party to be matched with the highest target credit score for checking and matching, if the checking is passed, considering that the matching is successful, and stopping the subsequent checking and matching process. If the verification is not passed, the matching is considered to be failed, and the asset order is sent to the next fund party to be matched for verification and matching until the matching is successful or the verification and matching process of all the fund parties to be matched is completed.
According to the technical scheme, the target credit score is determined according to the inquiry credit score and the reporting credit score, so that the problem of single target credit score is solved, the safety of the credit information of the asset side is ensured, the flexibility of the sorting result is improved, the calculation result of the target credit score can be changed according to the deviation individuation of the asset side, and the matching process of the asset side and the fund side is further adapted to the credit protection requirements of different asset sides.
Example IV
Fig. 4 is a schematic diagram of an order matching device based on credit according to a fourth embodiment of the present invention. The embodiment can be suitable for the condition that the asset order of the asset party and the fund party are matched and audited, the device can be realized in a software and/or hardware mode, and the device can be configured in the terminal equipment. The credit-based order matching device comprises: a target retrieval information generation module 410, a target credit score determination module 420, and an order matching module 430.
The target retrieval information generation module 410 is configured to generate at least one target retrieval information according to a historical credit record between the asset order and at least one fund party to be matched input by the user and a credit policy of each fund party to be matched;
The target credit score determining module 420 is configured to determine a target credit score of each fund party to be matched according to each target search information and a preset credit score list;
the order matching module 430 is configured to rank the funds to be matched based on the target credit score, and match the asset order with the funds to be matched in sequence based on the ranking result.
According to the technical scheme, the credit score of the fund party to be matched is determined based on the historical credit record and the credit policy, and the fund party to be matched is ordered according to the credit score, so that the problem of credit protection of the asset party is solved, the defect of manual operation is overcome, and the safety of credit information of the asset party is improved.
On the basis of the technical scheme, optionally, the credit investigation strategy comprises a query credit investigation strategy and/or a report credit investigation strategy, and the corresponding target retrieval information comprises a query credit investigation retrieval information and/or a report credit investigation information; the preset credit score list comprises a query credit score list and/or a report credit score list.
Based on the above technical solution, optionally, the target credit score determining module 420 includes:
the inquiry credit score determining unit is used for determining inquiry credit scores of all funds to be matched according to the inquiry credit retrieval information and the inquiry credit score list;
The reporting credit score determining unit is used for determining the reporting credit score of each fund party to be matched according to each reporting credit retrieval information and the reporting credit score list;
and the target credit score determining unit is used for determining the target credit score of each fund party to be matched according to each inquiry credit score and each reporting credit score.
On the basis of the above technical solution, optionally, the target credit score determining unit is specifically configured to:
aiming at each fund party to be matched, respectively calculating the query weight corresponding to the query credit score and the reporting weight corresponding to the reporting credit score of the fund party to be matched according to a preset weight calculation formula;
and determining the target credit score of the fund party to be matched according to the preset inquiry influence factor, the preset reporting influence factor, the inquiry weight and the reporting weight.
On the basis of the above technical solution, optionally, a preset weight calculation formula satisfies:
wherein j represents inquiry credit or report credit,indicating the query weight or reporting weight corresponding to the fund party i to be matched>Representing the query credit score or the report credit score corresponding to the fund party i to be matched, and mins represents the minimum query credit score or the minimum report credit score in the query credit scores or the report credit scores of all the fund parties to be matched Maxs represents the maximum query credit score or maximum reported credit score of the query credit scores or reported credit scores of all funds parties to be matched.
On the basis of the above technical solution, optionally, the report score list includes a rank list and a target report score list, and the report score determining unit includes:
the reporting credit score determining subunit is used for determining the reporting grade of the fund party to be matched according to the reporting credit search information and the grade list aiming at each reporting credit search information, and determining the reporting credit score of the fund party to be matched according to the reporting grade and the target reporting score list.
On the basis of the above technical solution, optionally, the reporting credit score determining subunit is specifically configured to:
when the reporting credit policy comprises reporting transaction amount, if the current accumulated transaction amount corresponding to the asset order is smaller than the reporting transaction amount, determining the reporting credit score of the fund party to be matched according to the reporting grade, the target reporting score list, the current accumulated transaction amount and the reporting transaction financial amount.
The credit-based order matching device provided by the embodiment of the invention can be used for executing the credit-based order matching method provided by the embodiment of the invention, and has the corresponding functions and beneficial effects of the executing method.
It should be noted that, in the embodiment of the credit-based order matching device, each unit and module included are only divided according to the functional logic, but not limited to the above-mentioned division, so long as the corresponding functions can be implemented; in addition, the specific names of the functional units are also only for distinguishing from each other, and are not used to limit the protection scope of the present invention.
Example five
Fig. 5 is a schematic structural diagram of an apparatus provided in a fifth embodiment of the present invention, which provides services for implementing the credit-based order matching method in the foregoing embodiment of the present invention, and the credit-based order matching device in the foregoing embodiment may be configured. Fig. 5 shows a block diagram of an exemplary device 12 suitable for use in implementing embodiments of the present invention. The device 12 shown in fig. 5 is merely an example and should not be construed as limiting the functionality and scope of use of embodiments of the present invention.
As shown in fig. 5, device 12 is in the form of a general purpose computing device. Components of device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, a bus 18 that connects the various system components, including the system memory 28 and the processing units 16.
Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, and a local bus using any of a variety of bus architectures. By way of example, and not limitation, such architectures include Industry Standard Architecture (ISA) bus, micro channel architecture (MAC) bus, enhanced ISA bus, video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.
Device 12 typically includes a variety of computer system readable media. Such media can be any available media that is accessible by device 12 and includes both volatile and nonvolatile media, removable and non-removable media.
The system memory 28 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM) 30 and/or cache memory 32. Device 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from or write to non-removable, nonvolatile magnetic media (not shown in FIG. 5, commonly referred to as a "hard disk drive"). Although not shown in fig. 5, a magnetic disk drive for reading from and writing to a removable non-volatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading from or writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In such cases, each drive may be coupled to bus 18 through one or more data medium interfaces. Memory 28 may include at least one program product having a set (e.g., at least one) of program modules configured to carry out the functions of embodiments of the invention.
A program/utility 40 having a set (at least one) of program modules 42 may be stored in, for example, memory 28, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment. Program modules 42 generally perform the functions and/or methods of the embodiments described herein.
Device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, etc.), one or more devices that enable a user to interact with device 12, and/or any devices (e.g., network card, modem, etc.) that enable device 12 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 22. Also, device 12 may communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet, via network adapter 20. As shown in fig. 5, network adapter 20 communicates with other modules of device 12 over bus 18. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with device 12, including, but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.
The processing unit 16 executes various functional applications and data processing by running programs stored in the system memory 28, for example, implementing the credit-based order matching method provided by the embodiments of the present invention.
Through the equipment, the problem of asset side credit investigation protection is solved, the defect of manual operation is overcome, and the safety of asset side credit investigation information is improved.
Example six
A sixth embodiment of the present invention also provides a storage medium containing computer-executable instructions, which when executed by a computer processor, are configured to perform a credit-based order matching method, the method comprising:
generating at least one target retrieval message according to a historical credit record between an asset order input by a user and at least one fund party to be matched and a credit strategy of each fund party to be matched;
determining target credit score of each fund party to be matched according to each target retrieval information and a preset credit score list;
and sequencing all the funds to be matched based on the target credit score, and sequentially matching the asset order with all the funds to be matched based on the sequencing result.
The computer storage media of embodiments of the invention may take the form of any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples (a non-exhaustive list) of the computer-readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations of the present invention may be written in one or more programming languages, including an object oriented programming language such as Java, smalltalk, C ++ and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computer (for example, through the Internet using an Internet service provider).
Of course, the storage medium containing the computer executable instructions provided in the embodiments of the present invention is not limited to the above method operations, and may also perform the related operations in the credit-based order matching method provided in any embodiment of the present invention.
Note that the above is only a preferred embodiment of the present invention and the technical principle applied. It will be understood by those skilled in the art that the present invention is not limited to the particular embodiments described herein, but is capable of various obvious changes, rearrangements and substitutions as will now become apparent to those skilled in the art without departing from the scope of the invention. Therefore, while the invention has been described in connection with the above embodiments, the invention is not limited to the embodiments, but may be embodied in many other equivalent forms without departing from the spirit or scope of the invention, which is set forth in the following claims.
Claims (10)
1. An order matching method based on credit, which is characterized by comprising the following steps:
generating at least one target retrieval message according to a historical credit record between an asset order input by a user and at least one fund party to be matched and a credit strategy of each fund party to be matched;
Determining the target credit score of each fund party to be matched according to each target retrieval information and a preset credit score list;
and sorting all the funds to be matched based on the target credit score, and sequentially matching the asset order with all the funds to be matched based on the sorting result.
2. The method according to claim 1, wherein the credit policy comprises a query credit policy and/or a report credit policy, and the target search information comprises a query credit search information and/or a report credit search information, respectively; the preset credit score list comprises a query credit score list and/or a report credit score list;
the inquiry credit retrieval information comprises whether the to-be-matched fund party inquires credit, whether an asset party and the to-be-matched fund party have history transaction success records, whether the transaction time of the asset order is within the validity period of the inquiry credit of the to-be-matched fund party and whether the transaction of the asset order inquires credit records; the report credit retrieval information comprises the type of report credit of the to-be-matched fund party, whether historical transaction success records exist between the asset party and the to-be-matched fund party, whether the to-be-matched fund party sets a report transaction amount limit, whether the current order transaction time is within the valid period of report credit of the to-be-matched fund party, whether the current accumulated transaction amount is larger than the report transaction amount limit and whether the report credit records are in preset time.
3. The method of claim 2, wherein determining the target credit score for each party to be matched based on each of the target search information and a list of preset credit scores comprises:
determining the inquiry credit score of each fund party to be matched according to the inquiry credit retrieval information and the inquiry credit score list;
determining the report credit score of each fund party to be matched according to the report credit retrieval information and the report credit score list;
and determining the target credit score of each fund party to be matched according to each inquiry credit score and each reporting credit score.
4. The method of claim 3, wherein the determining a target credit score for each of the funds to be matched based on each of the query credit scores and each of the reported credit scores comprises:
aiming at each fund party to be matched, respectively calculating the query weight corresponding to the query credit score and the reporting weight corresponding to the reporting credit score of the fund party to be matched according to a preset weight calculation formula;
and determining the target credit score of the fund party to be matched according to the preset inquiry influence factor, the preset reporting influence factor, the inquiry weight and the reporting weight.
5. The method of claim 4, wherein the predetermined weight calculation formula satisfies:
wherein j represents inquiry credit or report credit,representing assets to be matchedQuery weight or reporting weight corresponding to golden party i,the query credit score or the report credit score corresponding to the fund to be matched i is represented, mins represents the minimum query credit score or the minimum report credit score in the query credit scores or the report credit scores of all the fund to be matched, and maxs represents the maximum query credit score or the maximum report credit score in the query credit scores or the report credit scores of all the fund to be matched.
6. The method of claim 3, wherein the report score list includes a rank list and a target report score list, and wherein the determining the report score for each party to be matched based on each report search information and the report score list, respectively, comprises:
and aiming at each report credit retrieval information, determining the report grade of the fund party to be matched according to the report credit retrieval information and the grade list, and determining the report credit score of the fund party to be matched according to the report grade and the target report score list.
7. The method of claim 6, wherein the determining the report credit score of the party to be matched according to the report level and the target report score list comprises:
and when the reporting credit policy comprises the reporting transaction amount limit, if the current accumulated transaction amount corresponding to the asset order is smaller than the reporting transaction amount limit, determining the reporting credit score of the fund party to be matched according to the reporting grade, the target reporting score list, the current accumulated transaction amount and the reporting transaction financial amount.
8. An order matching device based on credit, comprising:
the target retrieval information generation module is used for generating at least one target retrieval information according to a historical credit record between an asset order input by a user and at least one fund party to be matched and a credit strategy of each fund party to be matched;
the target credit score determining module is used for determining the target credit score of each fund party to be matched according to each target retrieval information and a preset credit score list;
and the order matching module is used for sequencing all the fund parties to be matched based on the target credit score and sequentially matching the asset order with all the fund parties to be matched based on the sequencing result.
9. An apparatus, comprising:
one or more processors;
a memory for storing one or more programs;
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the credit-based order matching method of any of claims 1-7.
10. A storage medium containing computer executable instructions which, when executed by a computer processor, are for performing the credit-based order matching method of any of claims 1-7.
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