CN113822595B - Method, device, computer equipment and medium for configuring financial product incentive data - Google Patents
Method, device, computer equipment and medium for configuring financial product incentive data Download PDFInfo
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Abstract
The application relates to the field of financial data processing of blockchains, and discloses a method, a device, computer equipment and a storage medium for configuring financial product incentive data, wherein the method comprises the following steps: acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules and mining rules of incentives of the financial products; acquiring the order quantity of financial products of a user, and converting the order quantity into a calculation force value according to a preset calculation force rule; performing excitation mining according to the calculated force value based on the mining rule to obtain a first number of excitation; obtaining the release quantity corresponding to the incentive according to the distribution rule; acquiring the distributable value data of the financial product, and determining the target value of the incentive according to the distributable value data and the release quantity; and generating distribution value data of the user according to the target value and the first quantity. The method and the device can improve fairness and accuracy of financial product incentive data distribution.
Description
Technical Field
The present invention relates to the field of processing financial data of blockchain, and in particular, to a method and apparatus for configuring incentive data of a financial product, a computer device and a storage medium.
Background
With the development of internet technology, the incentive data of financial products in the industry are configured in a one-to-one mode at present, and when orders of corresponding financial products are completed, fixed incentive configuration is obtained, so that the incentive distribution rule is low in sustainability and uneven in distribution.
Disclosure of Invention
The main purpose of the application is to provide a method, a device, a computer device and a storage medium for configuring incentive data of financial products, which aim to solve the problems of low sustainable and inaccurate incentive configuration of the conventional financial products.
In order to achieve the above object, the present application provides a method for configuring incentive data of a financial product, including:
acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules of incentives of the financial products and mining rules of the incentives;
acquiring the order quantity of financial products of a user, and converting the order quantity into a calculation force value according to a preset calculation force rule;
performing excitation mining according to the calculated force value based on the mining rule to obtain a first number of excitation;
obtaining the release quantity corresponding to the incentive according to the distribution rule;
acquiring the distributable value data of the financial product, and determining the target value of the incentive according to the distributable value data and the release quantity;
and generating distribution value data of the user according to the target value and the first quantity.
Further, the distribution rule of the incentive of the financial product comprises a first distribution rule of the incentive issue number of the financial product per period; the obtaining the issue number corresponding to the incentive according to the allocation rule includes:
acquiring a first issue number of the incentives of a first period according to the first distribution rule;
the obtaining the distributable value data of the financial product, determining the target value of the incentive according to the distributable value data and the release quantity comprises the following steps:
and acquiring first period allocable value data of the financial product, and determining a first target value of incentive of the first period according to the first period allocable value data and the first sending number.
Further, after determining the first target value of the incentive of the first period according to the first period assignable value data and the first sending number, the method further comprises:
obtaining a second issue number of the incentive for a second period according to the first allocation rule;
acquiring second period allocable value data of the financial product;
if the difference value between the second period allocable value data and the first period allocable value data is smaller than a preset threshold value, calculating a ratio value of the first release number to the second release number, and determining a second target value of each incentive of the second period according to the first target value and the ratio value.
Further, after the acquiring the second period allocable value data of the financial product, the method further includes:
if the difference value between the second period allocable value data and the first period allocable value data is larger than or equal to the preset threshold value, determining a second undetermined value of each incentive of a second period according to the second period allocable value data and the second release number;
acquiring the standard value of the stimulus, and if the second undetermined value is smaller than the standard value, determining the standard value as a second target value of each stimulus in a second period;
and if the second undetermined value is larger than the standard value, determining the second undetermined value as a second target value of each incentive of a second period.
Further, the total number of issues of incentives of the financial product is a constant value; the first distribution rule of the incentive issue number of the financial product per cycle is that the incentive issue number of the later cycle is a preset proportion value of the incentive issue number of the former cycle.
Further, the acquiring the assignable value data of the financial product includes:
acquiring product sales data of the financial product;
counting profit margin of the financial product based on big data;
and determining the distributable value data of the financial product according to the product sales data and the profit distribution ratio.
Further, the generating the assigned value data of the user according to the target value and the first quantity includes:
acquiring the excitation quantity of a user in each period;
acquiring the value of the excitation of each period;
generating value data of corresponding periods according to the excitation quantity of each period and the value of excitation of the corresponding period;
the application also provides a configuration device of financial product incentive data, comprising:
an intelligent contract module for acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules of incentives of the financial products and mining rules of the incentives;
the calculation force conversion module is used for obtaining the order quantity of the financial products of the user and converting the order quantity into a calculation force value according to a preset calculation force rule;
the excitation mining module is used for performing excitation mining according to the calculated force value based on the mining rule to obtain a first number of excitation;
the incentive issuing module is used for acquiring the issuing quantity corresponding to the incentive according to the allocation rule;
the incentive determining module is used for acquiring the distributable value data of the financial products and determining the target value of the incentive according to the distributable value data and the release quantity;
and the value determining module is used for generating distribution value data of the user according to the target value and the first quantity.
The application also provides a computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the steps of the method for configuring financial product incentive data as described in any one of the above when executing the computer program.
The present application also provides a computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of the method of configuring financial product incentive data as described in any of the preceding claims.
The embodiment of the application provides a method for allocating financial products and allocating incentive values based on a blockchain technology, which comprises the steps of firstly acquiring intelligent contracts of financial products based on blockchain allocation, wherein the intelligent contracts comprise allocation rules of the financial products and the incentive mining rules, the intelligent contracts run on a blockchain, after financial product sales personnel sell the financial products, orders of the financial products are generated and recorded on the blockchain, then corresponding quantity of the incentive are allocated according to the rules of the intelligent contracts, the order quantity of the financial products of a user is converted into an incentive value according to preset calculation rules, incentive mining is carried out according to the calculation values based on the mining rules to obtain a first quantity of incentive, then the corresponding issue quantity of the incentive is obtained according to the allocation rules, the target value of the incentive is determined according to the allocation value data and the quantity, the allocation value data of the user is generated according to the target value and the first quantity, accordingly, the reliability of the financial products under different stages is determined, the allocation rules of the intelligent contracts can not be continuously distributed, and the accuracy of the incentive mining rules can be improved, and the reliability of the incentive mining rules can be realized.
Drawings
FIG. 1 is a flow chart illustrating an embodiment of a method for configuring financial product incentive data according to the present application;
FIG. 2 is a schematic structural diagram of an embodiment of a configuration device for financial product incentive data according to the present application;
FIG. 3 is a block diagram schematically illustrating the structure of an embodiment of a computer device according to the present application.
The realization, functional characteristics and advantages of the present application will be further described with reference to the embodiments, referring to the attached drawings.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
Referring to fig. 1, an embodiment of the present application provides a method for configuring financial product incentive data, including steps S10-S60, and each step of the method for configuring financial product incentive data is described in detail below.
S10, acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules of incentives of the financial products and mining rules of the incentives.
The intelligent contract is operated on the blockchain, so that the financial product has the characteristics of decentralization, data non-falsification, anonymity, traceability and the like from the top of the shelf, sales and commission, wherein the intelligent contract comprises an incentive allocation rule of the financial product and an incentive mining rule, after sales personnel of the financial product sell the financial product, an order of the financial product is generated, records are made on the blockchain, and corresponding quantity of incentives are allocated according to the intelligent contract rule.
S20, acquiring order quantity of financial products of a user, and converting the order quantity into a calculation force value according to a preset calculation force rule;
s30, performing excitation excavation based on the excavation rule according to the calculated force value to obtain a first number of excitation.
In this embodiment, after obtaining the intelligent contracts of the financial products configured based on the blockchain, the intelligent contracts include the mining rules of the incentives, through which a corresponding number of incentives can be allocated, specifically, the order number of the financial products of the user is obtained, when the user generates the order of the financial products by completing the sales of the financial products and records the order number on the blockchain, the order number of the financial products uploaded by the user can be counted from the blockchain, that is, the order number of the financial products of the user is obtained, and then the order number is converted into a calculation force value according to a preset calculation force rule, wherein the calculation force value is the number of times of calculating a specified algorithm per unit time, for example, the number of times of calculating a hash algorithm per unit time of 1 second, and in one embodiment, the order number of the financial products of 1 is converted into a calculation force value of 1G, that is able to calculate the number of times of specifying algorithms of 1000K in 1 second.
Further, after the calculated force value is obtained, excitation mining is conducted on the basis of the mining rule according to the calculated force value, a first number of excitation is obtained, when the calculated force value is higher, the number of excitation obtained by mining is higher, and therefore the order number of the financial products is matched with the obtained excitation number.
S40, obtaining the release quantity corresponding to the incentive according to the distribution rule.
S50, obtaining the distributable value data of the financial products, and determining the target value of the incentive according to the distributable value data and the release quantity;
s60, generating distribution value data of the user according to the target value and the first quantity.
In this embodiment, the distribution number of the incentives is obtained according to the distribution rule, that is, the distribution number of the incentives is determined, then the allocable value data of the financial product is obtained, the target value of the incentives is determined according to the allocable value data and the distribution number, the corresponding values of the incentives are different under different distribution numbers and under different allocable value data, so that different values of the incentives, that is, the target value of the incentives, are determined at different stages based on the allocable value data of the financial product and the distribution number of the incentives, then the distribution value data of the user is generated according to the target value and the first number, the credibility and the inability to tamper of the incentives distribution rule and the mining rule are realized based on the intelligent contract of the block chain, the sustainability of the incentives distribution rule is realized, and the fairness and the accuracy of the configuration of the incentives data of the financial product are improved.
The embodiment provides a method for allocating financial products and allocating incentive values based on a blockchain technology, which comprises the steps of firstly acquiring intelligent contracts of financial products based on blockchain allocation, wherein the intelligent contracts comprise allocation rules of the financial products and the incentive allocation rules, the intelligent contracts run on a blockchain, after financial product sales personnel sell the financial products, orders of the financial products are generated and recorded on the blockchain, then corresponding quantity of the incentive are allocated according to the rules of the intelligent contracts, the order quantity of the financial products of a user is converted into a calculated value according to a preset calculation rule, incentive excavation is carried out based on the excavation rules according to the calculated value, corresponding first quantity of incentive is acquired, then the incentive issuance quantity is acquired according to the allocation rules, the distributable value data of the financial products are acquired, the target value of the incentive is determined according to the distributable value data and the issuance quantity, the allocation value data of the user is generated according to the target value and the first quantity, accordingly, the user reliability allocation rules of the financial products and the incentive chains can not be realized under different stages are determined, and the allocation rules of the incentive can not be continuously and the incentive rules can not be realized.
In one embodiment, the distribution rules of the incentive for the financial product include a first distribution rule of the incentive issue number of financial products per cycle; the obtaining the issue number corresponding to the incentive according to the allocation rule includes:
acquiring a first issue number of the incentives of a first period according to the first distribution rule;
the obtaining the distributable value data of the financial product, determining the target value of the incentive according to the distributable value data and the release quantity comprises the following steps:
and acquiring first period allocable value data of the financial product, and determining a first target value of incentive of the first period according to the first period allocable value data and the first sending number.
In this embodiment, the distribution rule of the incentive issue number of the financial product per period includes a first distribution rule of the incentive issue number of the financial product per period, that is, distribution is performed by dividing the distribution of the incentive into a plurality of different periods, and then the first issue number of the incentive of the first period is obtained according to the first distribution rule, for example, in the first period, the first issue number of the incentive issue is determined to be X according to the first distribution rule, then the first period allocable value data of the financial product is obtained, the first target value of the incentive of the first period is determined according to the first period allocable value data and the first issue number, the sustainability of the incentive data distribution of the financial product is realized based on the incentive issue number and the value of the corresponding incentive under the different periods, and the difference of the configuration of the incentive value data is achieved, so that the sustainability of the incentive distribution rule is realized, and the fairness and the accuracy of the configuration of the incentive value data of the financial product are improved.
In one embodiment, after determining the first target value of the incentive of the first period according to the first period assignable value data and the first sending number, the method further comprises:
obtaining a second issue number of the incentive for a second period according to the first allocation rule;
acquiring second period allocable value data of the financial product;
if the difference value between the second period allocable value data and the first period allocable value data is smaller than a preset threshold value, calculating a ratio value of the first release number to the second release number, and determining a second target value of each incentive of the second period according to the first target value and the ratio value.
In this embodiment, after determining the first target value of the incentive of the first period according to the first period allocable value data and the first number of issuers, the second target value of each incentive of the second period is obtained according to the first allocation rule, where the second period is a period that is temporally located after the first period, and may be a second period, a third period, and the like after the first period, and the allocable value data of the second period of the financial product is obtained, when the change amplitude of the market is smaller, that is, it is determined that the difference between the allocable value data of the second period and the allocable value data of the first period is smaller than a preset threshold, a ratio value of the first number of issuers and the second number of issuers is calculated, and then the second target value of each incentive of the second period is determined according to the first target value and the ratio value, so that the value of the incentive under each period can change along with the allocable value data of the financial product of the corresponding period and the number of the issuers of the incentive, and the accuracy and fairness of the configuration of the financial product incentive data are improved.
In one embodiment, after the acquiring the second period dispensable value data of the financial product, the method further comprises:
if the difference value between the second period allocable value data and the first period allocable value data is larger than or equal to the preset threshold value, determining a second undetermined value of each incentive of a second period according to the second period allocable value data and the second release number;
acquiring the standard value of the stimulus, and if the second undetermined value is smaller than the standard value, determining the standard value as a second target value of each stimulus in a second period;
and if the second undetermined value is larger than the standard value, determining the second undetermined value as a second target value of each incentive of a second period.
In this embodiment, after the second period allocable value data of the financial product is obtained, if it is determined that the difference between the second period allocable value data and the first period allocable value data is greater than or equal to the preset threshold, determining a second pending value of each incentive in a second period according to the second period allocable value data and the second release number, after determining the second pending value of each incentive in the second period, counting the standard value of each incentive by big data, that is, obtaining the standard value of each incentive, if the second pending value is smaller than the standard value, determining the standard value as a second target value of each incentive in the second period, if the second pending value is still greater than the standard value, determining the second pending value as a second target value of each incentive in the second period, that is, if the second pending value is smaller than the standard value, performing the incentive to perform the adjustment, and the financial product is prevented from being subjected to the problem of breakdown, and if the second pending value is still greater than the standard value, the value is still in a controllable range, the financial product is prevented from being subjected to the problem of the high-frequency intervention.
In one embodiment, the total number of incentives issued for the financial product is a constant value; the first distribution rule of the incentive issue number of the financial product per cycle is that the incentive issue number of the later cycle is a preset proportion value of the incentive issue number of the former cycle.
In this embodiment, the total number of incentives issued by the financial product is a constant value, the first distribution rule of the number of incentives issued by the financial product per cycle is that the number of incentives issued by the financial product per cycle is a preset proportional value of the number of incentives issued by the financial product per cycle, for example, the constant value is X, and the preset proportional value is 50%, then the number of incentives issued by the financial product per cycle is x.50%, the number of incentives issued by the financial product per cycle is x.50%, the number of incentives issued by the financial product per cycle is x.50.50% and the number of incentives issued by the financial product per cycle is x.50.50%, so that the value of the incentives under each cycle can be changed along with the distributable value data of the financial product per cycle and the number of incentives issued by the financial product per cycle, thereby improving the fairness and accuracy of the configuration of the incentive data of the financial product.
In one embodiment, the obtaining the allocable value data of the financial product includes:
acquiring product sales data of the financial product;
counting profit margin of the financial product based on big data;
and determining the distributable value data of the financial product according to the product sales data and the profit distribution ratio.
In this embodiment, in the process of obtaining the allocable value data of the financial product, the product sales data of the financial product is obtained, then the profit allocation rate of the financial product is counted based on the big data, the sales amount, the sales number, the profit and the profit margin are counted based on the historical data of the financial product, the profit allocation rate of the financial product is obtained, and the allocable value data of the financial product is determined according to the product sales data and the profit allocation rate, wherein the profit allocation rates of different types of financial products are different, and the profit allocation rates of the same financial product in different periods are also different, so that the dynamic allocation of the allocable value data in each period is improved, the allocable value data in each period is more accurately allocated, and the fairness and the accuracy of the allocation of the incentive data of the financial product are improved.
In one embodiment, the generating the assigned value data of the user from the target value and the first quantity includes:
acquiring the excitation quantity of a user in each period;
acquiring the value of the excitation of each period;
generating value data of corresponding periods according to the excitation quantity of each period and the value of excitation of the corresponding period;
and counting the value data of each period, and generating the distribution value data of the user.
In this embodiment, in the process of generating the allocation value data of the user according to the target value and the first number, the number of incentives of the user in each period is obtained, and the number of orders of the user in different periods is different, so that the obtained number of incentives is also different, meanwhile, the value of the incentives of each period is obtained based on the above manner, the value data of the corresponding period is generated according to the number of incentives of each period and the value of the incentives of the corresponding period, the value data of each period is counted, and the allocation value data of the user is generated, so that the allocation value data of the user is obtained according to the change statistics of time, and the fairness and accuracy of allocation value data configuration are improved.
Referring to fig. 2, the present application further provides a configuration device of financial product incentive data, including:
a smart contract module 10 for acquiring a smart contract of a financial product configured based on a blockchain, the smart contract including an allocation rule of an incentive of the financial product and an mining rule of the incentive;
the calculation force conversion module 20 is used for obtaining the order number of the financial products of the user and converting the order number into a calculation force value according to a preset calculation force rule;
an excitation mining module 30, configured to perform excitation mining according to the calculated force value based on the mining rule, to obtain a first number of excitations;
an incentive issuing module 40, configured to obtain an issue number corresponding to the incentive according to the allocation rule;
an incentive determining module 50 for obtaining the assignable value data of the financial product and determining a target value of the incentive according to the assignable value data and the issuing number;
a value determination module 60 for generating assigned value data of the user based on the target value and the first quantity.
As described above, it will be understood that each component of the apparatus for configuring financial product incentive data set forth in the present application may implement the functions of any one of the methods for configuring financial product incentive data as described above.
In one embodiment, the distribution rules of the incentive for the financial product include a first distribution rule of the incentive issue number of financial products per cycle; the obtaining the issue number corresponding to the incentive according to the allocation rule includes:
acquiring a first issue number of the incentives of a first period according to the first distribution rule;
the obtaining the distributable value data of the financial product, determining the target value of the incentive according to the distributable value data and the release quantity comprises the following steps:
and acquiring first period allocable value data of the financial product, and determining a first target value of incentive of the first period according to the first period allocable value data and the first sending number.
In one embodiment, after determining the first target value of the incentive of the first period according to the first period assignable value data and the first sending number, the method further comprises:
obtaining a second issue number of the incentive for a second period according to the first allocation rule;
acquiring second period allocable value data of the financial product;
if the difference value between the second period allocable value data and the first period allocable value data is smaller than a preset threshold value, calculating a ratio value of the first release number to the second release number, and determining a second target value of each incentive of the second period according to the first target value and the ratio value.
In one embodiment, after the acquiring the second period dispensable value data of the financial product, the method further comprises:
if the difference value between the second period allocable value data and the first period allocable value data is larger than or equal to the preset threshold value, determining a second undetermined value of each incentive of a second period according to the second period allocable value data and the second release number;
acquiring the standard value of the stimulus, and if the second undetermined value is smaller than the standard value, determining the standard value as a second target value of each stimulus in a second period;
and if the second undetermined value is larger than the standard value, determining the second undetermined value as a second target value of each incentive of a second period.
In one embodiment, the total number of incentives issued for the financial product is a constant value; the first distribution rule of the incentive issue number of the financial product per cycle is that the incentive issue number of the later cycle is a preset proportion value of the incentive issue number of the former cycle.
In one embodiment, the obtaining the allocable value data of the financial product includes:
acquiring product sales data of the financial product;
counting profit margin of the financial product based on big data;
and determining the distributable value data of the financial product according to the product sales data and the profit distribution ratio.
In one embodiment, the generating the assigned value data of the user from the target value and the first quantity includes:
acquiring the excitation quantity of a user in each period;
acquiring the value of the excitation of each period;
generating value data of corresponding periods according to the excitation quantity of each period and the value of excitation of the corresponding period;
and counting the value data of each period, and generating the distribution value data of the user.
Referring to fig. 3, a computer device is further provided in the embodiment of the present application, where the computer device may be a mobile terminal, and the internal structure of the computer device may be as shown in fig. 3. The computer device includes a processor, a memory, a network interface, and a display device and an input device connected by a system bus. The network interface of the computer device is used for communicating with an external terminal through network connection. The input means of the computer device is for receiving input from a user. The computer is designed to provide computing and control capabilities. The memory of the computer device includes a storage medium. The storage medium stores an operating system, computer programs, and a database. The database of the computer device is used for storing data. The computer program when executed by a processor implements a method of configuring financial product incentive data.
The processor executes the method for configuring financial product incentive data, which comprises the following steps: acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules of incentives of the financial products and mining rules of the incentives; acquiring the order quantity of financial products of a user, and converting the order quantity into a calculation force value according to a preset calculation force rule; performing excitation mining according to the calculated force value based on the mining rule to obtain a first number of excitation; obtaining the release quantity corresponding to the incentive according to the distribution rule; acquiring the distributable value data of the financial product, and determining the target value of the incentive according to the distributable value data and the release quantity; and generating distribution value data of the user according to the target value and the first quantity.
The computer equipment provides a method for allocating financial products and allocating incentive values based on a blockchain technology, which comprises the steps of firstly acquiring intelligent contracts of financial products based on blockchain allocation, wherein the intelligent contracts comprise allocation rules of the financial products and the incentive allocation rules, the intelligent contracts run on a blockchain, after financial product sales personnel sell the financial products, orders of the financial products are generated and recorded on the blockchain, then corresponding quantity of the incentive are allocated according to the rules of the intelligent contracts, the order quantity is converted into an calculation force value according to a preset calculation force rule, incentive excavation is carried out according to the calculation force value based on the excavation rules, corresponding first quantity of incentive is acquired, then the incentive release quantity is acquired according to the allocation rules, the target value of the incentive is determined according to the allocable value data and the release quantity, the allocation value data of the user is generated according to the target value and the first quantity, accordingly, the reliability allocation of the financial products under different stages is determined according to the rules of the intelligent contracts, and the incentive allocation rules can not be realized, and the accuracy of the allocation of the financial products and the incentive allocation rules can not be realized.
An embodiment of the present application further provides a computer readable storage medium having stored thereon a computer program which when executed by the processor implements a method for configuring financial product incentive data, comprising the steps of: acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules of incentives of the financial products and mining rules of the incentives; acquiring the order quantity of financial products of a user, and converting the order quantity into a calculation force value according to a preset calculation force rule; performing excitation mining according to the calculated force value based on the mining rule to obtain a first number of excitation; obtaining the release quantity corresponding to the incentive according to the distribution rule; acquiring the distributable value data of the financial product, and determining the target value of the incentive according to the distributable value data and the release quantity; and generating distribution value data of the user according to the target value and the first quantity.
The method comprises the steps of firstly obtaining intelligent contracts of financial products based on blockchain configuration, wherein the intelligent contracts comprise distribution rules of the financial products and mining rules of the incentives, the intelligent contracts run on a blockchain, after sales personnel of the financial products sell the financial products, orders of the financial products are generated and recorded on the blockchain, then corresponding quantity of incentives are distributed according to rules of the intelligent contracts, the order quantity of the financial products of users is converted into calculation force values according to preset calculation force rules, the incentives are mined according to the calculation force values based on the mining rules, corresponding first quantity of incentives are obtained according to the calculation force values, the distribution quantity of the incentives is obtained according to the distribution rules, the distributed value data of the financial products are obtained, the target value of the incentives is determined according to the distributed value data and the distribution quantity, the distribution value data of the users are generated according to the target value and the first quantity, accordingly, the reliability of the financial products can be distributed according to the intelligent contracts under different stages, the accuracy of the contract distribution can be improved, and the accuracy of the contract distribution can not be realized, and the accuracy of the contract distribution can be improved, and the accuracy of the contract distribution can be realized, and the credit can be distributed by the contract distribution rules of the incentives can be realized.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above.
Any reference to memory, storage, database, or other medium provided herein and used in embodiments may include non-volatile and/or volatile memory.
The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual speed data rate SDRAM (SSRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, apparatus, article, or method that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, apparatus, article, or method. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, apparatus, article or method that comprises the element.
The foregoing is merely a preferred embodiment of the present application and is not intended to limit the scope of the patent application.
All equivalent structures or equivalent flow changes made by the specification and the drawings of the application or directly or indirectly applied to other related technical fields are included in the protection scope of the application.
Claims (8)
1. A method for configuring financial product incentive data, comprising:
acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules of incentives of the financial products and mining rules of the incentives;
acquiring the order quantity of financial products of a user, and converting the order quantity into a calculation force value according to a preset calculation force rule;
performing excitation mining according to the calculated force value based on the mining rule to obtain a first number of excitation;
obtaining the release quantity corresponding to the incentive according to the distribution rule;
acquiring the distributable value data of the financial product, and determining the target value of the incentive according to the distributable value data and the release quantity;
generating distribution value data of the user according to the target value and the first quantity;
the distribution rule of the incentive of the financial product comprises a first distribution rule of the incentive issue number of the financial product per period; the obtaining the issue number corresponding to the incentive according to the allocation rule includes:
acquiring a first issue number of the incentives of a first period according to the first distribution rule;
the obtaining the distributable value data of the financial product, determining the target value of the incentive according to the distributable value data and the release quantity comprises the following steps:
acquiring first period allocable value data of the financial product, and determining a first target value of excitation of the first period according to the first period allocable value data and a first transmission number;
the generating the distribution value data of the user according to the target value and the first quantity includes:
acquiring the excitation quantity of a user in each period;
acquiring the value of the excitation of each period;
generating value data of corresponding periods according to the excitation quantity of each period and the value of excitation of the corresponding period;
and counting the value data of each period, and generating the distribution value data of the user.
2. The method of claim 1, further comprising, after determining the first target value of the incentive for the first period based on the first period assignable value data and the first number of emissions:
obtaining a second issue number of the incentive for a second period according to the first allocation rule;
acquiring second period allocable value data of the financial product;
if the difference value between the second period allocable value data and the first period allocable value data is smaller than a preset threshold value, calculating a ratio value of the first release number to the second release number, and determining a second target value of each incentive of the second period according to the first target value and the ratio value.
3. The method of claim 2, further comprising, after the obtaining the second period assignable value data of the financial product:
if the difference value between the second period allocable value data and the first period allocable value data is larger than or equal to the preset threshold value, determining a second undetermined value of each incentive of a second period according to the second period allocable value data and the second release number;
acquiring the standard value of the stimulus, and if the second undetermined value is smaller than the standard value, determining the standard value as a second target value of each stimulus in a second period;
and if the second undetermined value is larger than the standard value, determining the second undetermined value as a second target value of each incentive of a second period.
4. The method of claim 3, wherein the total number of the financial product incentive releases is a constant value; the first distribution rule of the incentive issue number of the financial product per cycle is that the incentive issue number of the later cycle is a preset proportion value of the incentive issue number of the former cycle.
5. The method of claim 1, wherein the obtaining the assignable value data of the financial product comprises:
acquiring product sales data of the financial product;
counting profit margin of the financial product based on big data;
and determining the distributable value data of the financial product according to the product sales data and the profit distribution ratio.
6. A financial product incentive data configuration device for implementing the method of any one of claims 1 to 5, comprising:
an intelligent contract module for acquiring intelligent contracts of financial products configured based on blockchain, wherein the intelligent contracts comprise distribution rules of incentives of the financial products and mining rules of the incentives;
the calculation force conversion module is used for obtaining the order quantity of the financial products of the user and converting the order quantity into a calculation force value according to a preset calculation force rule;
the excitation mining module is used for performing excitation mining according to the calculated force value based on the mining rule to obtain a first number of excitation;
the incentive issuing module is used for acquiring the issuing quantity corresponding to the incentive according to the allocation rule;
the incentive determining module is used for acquiring the distributable value data of the financial products and determining the target value of the incentive according to the distributable value data and the release quantity;
and the value determining module is used for generating distribution value data of the user according to the target value and the first quantity.
7. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, carries out the steps of the method of configuring financial product incentive data as claimed in any one of claims 1 to 5.
8. A computer readable storage medium having stored thereon a computer program, characterized in that the computer program when executed by a processor implements the steps of the method of configuring financial product incentive data as claimed in any of claims 1 to 5.
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