CN117290394A - Data processing method and device, electronic equipment and storage medium - Google Patents

Data processing method and device, electronic equipment and storage medium Download PDF

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Publication number
CN117290394A
CN117290394A CN202311261574.XA CN202311261574A CN117290394A CN 117290394 A CN117290394 A CN 117290394A CN 202311261574 A CN202311261574 A CN 202311261574A CN 117290394 A CN117290394 A CN 117290394A
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client
rule
query request
integral value
determining
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袁铨
王强
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China Construction Bank Corp
CCB Finetech Co Ltd
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China Construction Bank Corp
CCB Finetech Co Ltd
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Priority to CN202311261574.XA priority Critical patent/CN117290394A/en
Publication of CN117290394A publication Critical patent/CN117290394A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2455—Query execution
    • G06F16/24552—Database cache management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

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  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Databases & Information Systems (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • General Engineering & Computer Science (AREA)
  • Data Mining & Analysis (AREA)
  • Finance (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Computational Linguistics (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • General Business, Economics & Management (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to the field of data processing technologies, and in particular, to a data processing method, a data processing device, an electronic device, and a storage medium. The method is applied to the electronic equipment and comprises the following steps: receiving a query request; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used for indicating a service platform for triggering the query request; acquiring a corresponding basic integral value based on the identification information of the client and the corresponding source channel information; acquiring an integration rule set matched with the basic integration value from a local memory of the electronic equipment; and determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial service interaction information of the client based on the grading rule and the integral value of grading and determining the financial service interaction information of the client based on the grading rule.

Description

Data processing method and device, electronic equipment and storage medium
Technical Field
The embodiment of the invention relates to the technical field of data processing, in particular to a data processing method, a data processing device, electronic equipment and a storage medium.
Background
The point system is a reward system designed by a financial institution for clients, and the clients can exchange corresponding rewards based on points, so that the inquiry of the points becomes a common function for the clients.
At present, when a point inquiring system receives an inquiring request of a client, the latest rating rule and grading rule are required to be firstly obtained from an external relational database, then the latest rating rule and grading rule are required to be obtained from an external distributed storage database, the point value under each item of the client is inquired and obtained, finally calculation is carried out according to the latest rating rule and grading rule data obtained and the point value under each item of the client, the final rating and the total point value of the client are obtained, and the point value of the client is obtained according to the final rating and the total point value of the client.
However, when the point query system receives a large-magnitude query request once, the latest rating rule and scoring rule data are acquired by the relation database outside every time the query request is processed, so that the transaction response time is longer, and the use experience of a client is reduced.
Disclosure of Invention
The embodiment of the invention aims to provide a data processing method, a data processing device, electronic equipment and a storage medium, which are used for improving the processing efficiency of a query request.
In a first aspect, an embodiment of the present invention provides a data processing method, which is applied to an electronic device, including:
receiving a query request; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used for indicating a service platform for triggering the query request;
acquiring a corresponding basic integral value based on the identification information of the client and the corresponding source channel information;
acquiring an integration rule set matched with the basic integration value from a local memory of the electronic equipment; the integral rule set is used for determining a customer integral value, and comprises a rating rule for rating customers and a scoring rule for scoring the customers, wherein the rating rule is acquired from an external relational database;
and determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial service interaction information of the client based on the grading rule and the integral value of grading and determining the financial service interaction information of the client based on the grading rule.
In a possible implementation manner, the integration rule set is obtained by acquiring a latest rating rule and a grading rule corresponding to a basic integration value from the relational database when the electronic device reaches a preset updating time period, and combining the latest rating rule and the grading rule.
In one possible embodiment, obtaining the corresponding basic integrated value based on the identification information of the client and the corresponding source channel information includes:
determining a target integral value category corresponding to the client and the effective time of the integral value according to source channel information in the query request;
searching candidate basic integral values matched with the identification information of the client under the category of the target integral value;
and taking a candidate basic integrated value which satisfies the effective time of the integrated value as the basic integrated value.
In one possible implementation, after receiving the query request, the method further includes:
determining a receiving time for receiving the query request;
and if the historical query request corresponding to the identification information of the client in the query request is received within a preset time period before the receiving moment, taking the historical total integral corresponding to the identification information of the client in the temporary cache of the electronic equipment as the target integral of the client.
In one possible implementation manner, determining the target integral value of the client corresponding to the query request according to the basic integral value of the client, the level of rating the financial service interaction information of the client based on the rating rule, and the integral value of rating the financial service interaction information of the client based on the rating rule includes:
Determining financial service interaction information of the customer based on the identification information of the customer; the financial business interaction information is used for indicating information generated by a customer in a business platform corresponding to the source channel information to execute various operations;
ranking the financial interaction information of the client based on the ranking rule, determining the level information corresponding to the client, and determining the integral value coefficient indicated by the level information;
scoring the financial interaction information of the customer based on the scoring rule, determining a use integral value, and determining an actual integral value according to the use integral value and the integral value coefficient;
and determining a target integral value of the client corresponding to the inquiry request according to the actual integral value and the basic integral value.
In a second aspect, an embodiment of the present invention provides a data processing apparatus, applied to an electronic device, where the apparatus includes:
a receiving unit, configured to receive a query request; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used for indicating a service platform for triggering the query request;
the first acquisition unit is used for acquiring a corresponding basic integral value based on the identification information of the client and the corresponding source channel information;
The second acquisition unit is used for acquiring an integration rule set matched with the basic integration value from the local memory of the electronic equipment; the integral rule set is used for determining a customer integral value, and comprises a rating rule for rating customers and a scoring rule for scoring the customers, wherein the rating rule is acquired from an external relational database;
and the processing unit is used for determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial business interaction information of the client based on the grading rule and the integral value of grading and determining the financial business interaction information of the client based on the grading rule.
In a possible implementation manner, the integration rule set is obtained by acquiring a latest rating rule and a grading rule corresponding to a basic integration value from the relational database when the electronic device reaches a preset updating time period, and combining the latest rating rule and the grading rule.
In a possible implementation manner, the first obtaining unit is specifically configured to:
determining a target integral value category corresponding to the client and the effective time of the integral value according to source channel information in the query request;
Searching candidate basic integral values matched with the identification information of the client under the category of the target integral value;
and taking a candidate basic integrated value which satisfies the effective time of the integrated value as the basic integrated value.
In a possible embodiment, the processing unit is further configured to:
determining a receiving time for receiving the query request;
and if the historical query request corresponding to the identification information of the client in the query request is received within a preset time period before the receiving moment, taking the historical total integral corresponding to the identification information of the client in the temporary cache of the electronic equipment as the target integral of the client.
In a possible embodiment, the processing unit is specifically configured to:
determining financial service interaction information of the customer based on the identification information of the customer; the financial business interaction information is used for indicating information generated by a customer in a business platform corresponding to the source channel information to execute various operations;
ranking the financial interaction information of the client based on the ranking rule, determining the level information corresponding to the client, and determining the integral value coefficient indicated by the level information;
Scoring the financial interaction information of the customer based on the scoring rule, determining a use integral value, and determining an actual integral value according to the use integral value and the integral value coefficient;
and determining a target integral value of the client corresponding to the inquiry request according to the actual integral value and the basic integral value.
In a third aspect, an embodiment of the present invention provides an electronic device, including at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform any one of the methods provided by the embodiments of the first aspect of the present invention.
In a fourth aspect, embodiments of the present invention provide a computer storage medium, where the computer readable storage medium stores a computer program for causing a computer to perform any of the methods provided by the embodiments of the first aspect of the present invention.
In a fifth aspect, embodiments of the present invention provide a computer program product comprising: computer program code which, when run on a computer, causes the computer to perform any of the methods provided by the embodiments of the first aspect.
The invention has the following beneficial effects:
in an embodiment of the invention, a query request may be received; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used to indicate the service platform that triggered the query request. Then, a corresponding base credit may be obtained based on the customer's identification information and the corresponding source channel information. Further, an integration rule set matched with the basic integration value can be obtained from a local memory of the electronic equipment; a scoring rule set is used for determining a customer scoring value, and comprises a rating rule for rating customers and a scoring rule for scoring customers, wherein the rating rule is acquired from an external relational database; and determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial service interaction information of the client based on the grading rule and the integral value of grading and determining the financial service interaction information of the client based on the grading rule.
Therefore, in the embodiment of the invention, after the query request is received, the integral rule set matched with the basic integral value can be obtained from the local memory of the electronic equipment, so that the purposes of obtaining the rating rule and the grading rule from the local memory once and obtaining the rating rule and the grading rule are realized, the obtaining time of obtaining the rating rule and the grading rule is reduced, the response speed to the query request is improved, and the processing efficiency to the query request is improved because the integral rule set comprises the rating rule for rating the client and the grading rule for grading the client obtained from the external relational database.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims thereof as well as the appended drawings.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments of the present invention will be briefly described below, and it is obvious that the drawings described below are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic diagram of an application scenario in an embodiment of the present invention;
FIG. 2 is a flow chart of a data processing method according to an embodiment of the invention;
FIG. 3 is a schematic diagram of obtaining an integration rule set according to one embodiment of the invention;
FIG. 4 is a schematic diagram of a data processing apparatus according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a hardware composition structure of an electronic device according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments of the present invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention. Embodiments of the invention and features of the embodiments may be combined with one another arbitrarily without conflict. Also, while a logical order is depicted in the flowchart, in some cases, the steps depicted or described may be performed in a different order than presented herein.
The term "comprising" and any variations thereof in the description of the invention and in the claims is intended to cover non-exclusive protection. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.
In the embodiments of the present invention, "at least one" means one or more, and "a plurality" means two or more. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a alone, a and B together, and B alone, wherein a, B may be singular or plural. The character "/" generally indicates that the context-dependent object is an "or" relationship. "at least one of" or the like means any combination of these items, including any combination of single item(s) or plural items(s). For example, at least one (one) of a, b or c may represent: a, b, c, a-b, a-c, b-c, or a-b-c, wherein a, b, c may be single or plural.
And, unless otherwise indicated, the terms "first," "second," and the like according to the embodiments of the present invention are used for distinguishing a plurality of objects, and are not used for limiting the size, content, order, timing, priority, importance, or the like of the plurality of objects.
In the technical scheme of the invention, the data is collected, transmitted, used and the like, and all meet the requirements of national relevant laws and regulations.
At present, when the integral query system receives a large-scale query request once, as the latest rating rule and scoring rule data are acquired by going to an external relational database when the query request is processed each time, the transaction response time is longer, and the use experience of a client is reduced.
In view of this, an embodiment of the present invention provides a data processing method, by which a query request may be received; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used to indicate the service platform that triggered the query request. Then, a corresponding base credit may be obtained based on the customer's identification information and the corresponding source channel information. Further, an integration rule set matched with the basic integration value can be obtained from a local memory of the electronic equipment; a scoring rule set is used for determining a customer scoring value, and comprises a rating rule for rating customers and a scoring rule for scoring customers, wherein the rating rule is acquired from an external relational database; and determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial service interaction information of the client based on the grading rule and the integral value of grading and determining the financial service interaction information of the client based on the grading rule.
Therefore, in the embodiment of the invention, after the query request is received, the integral rule set matched with the basic integral value can be obtained from the local memory of the electronic equipment, so that the purposes of obtaining the rating rule and the grading rule from the local memory once and obtaining the rating rule and the grading rule are realized, the obtaining time of obtaining the rating rule and the grading rule is reduced, the response speed to the query request is improved, and the processing efficiency to the query request is improved because the integral rule set comprises the rating rule for rating the client and the grading rule for grading the client obtained from the external relational database.
After the design idea of the embodiment of the present invention is introduced, some simple descriptions are made below for application scenarios applicable to the technical solution of the embodiment of the present invention, and it should be noted that the application scenarios described below are only used for illustrating the embodiment of the present invention and are not limiting. In the specific implementation process, the technical scheme provided by the embodiment of the invention can be flexibly applied according to actual needs.
The scheme provided by the embodiment of the invention can be applied to all various business scenes needing integral inquiry.
Referring to fig. 1, a schematic view of a scenario provided in an embodiment of the present invention may include a plurality of terminal devices 101, a server 102, and an electronic device 103, where the terminal devices 101-1, 101-2, … …, and 101-n may be used by different clients, and each system on each terminal device sets an integral query platform.
In the embodiment of the invention, a client can log in a front-end page of the point inquiring platform on the terminal equipment 101, and trigger an inquiring function in the front-end page, so that the terminal equipment 101 can generate an inquiring request and send the inquiring request to the server 102, and then the server 102 can receive the inquiring request and acquire a corresponding basic integral value from the electronic equipment 103 based on the identification information of the client and the corresponding source channel information carried in the inquiring request. Wherein the electronic device 103 may be deployed with a distributed storage database.
Further, an integration rule set matched with the basic integration value may be obtained from the local memory of the server 102; and determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial service interaction information of the client based on the grading rule and the integral value of grading and determining the financial service interaction information of the client based on the grading rule. In this way, the server 102 can transmit the target integrated value to the terminal device 101, so that the client can obtain the corresponding integrated value.
In the embodiment of the present invention, the terminal device 101 may be, for example, a mobile phone, a tablet personal computer (PAD), a personal computer (Personal computer, PC), an intelligent television, an intelligent vehicle-mounted device, a wearable device, or the like, which is not limited in the embodiment of the present invention.
In the embodiment of the present invention, the server 102 and the electronic device 103 may be a cloud server or a cloud server cluster for providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and basic cloud computing services such as big data and artificial intelligence platforms, or may be a physical server or a physical server cluster, but not limited thereto.
Wherein, between the terminal device 101 and the server 102, between the server and the electronic device 103, and between the respective terminal devices 101 may be directly or indirectly connected through one or more networks 104. The network 104 may be a wired network, or may be a Wireless network, for example, a mobile cellular network, or may be a Wireless-Fidelity (WIFI) network, or may be other possible networks, which the embodiments of the present invention are not limited to.
Of course, the method provided by the embodiment of the present invention is not limited to the application scenario shown in fig. 1, but may be used in other possible application scenarios, for example, only a server may implement the data processing method, and the embodiment of the present invention is not limited. The functions that can be implemented by each device in the application scenario shown in fig. 1 will be described together in the following method embodiments, which are not described in detail herein.
In order to further explain the technical solution provided by the embodiments of the present invention, the following details are described with reference to the accompanying drawings and the detailed description. Although embodiments of the present invention provide the method operational steps shown in the following embodiments or figures, more or fewer operational steps may be included in the method, either on a routine or non-inventive basis. In steps where there is logically no necessary causal relationship, the execution order of the steps is not limited to the execution order provided by the embodiments of the present invention. The methods may be performed sequentially or in parallel as shown in the embodiments or the drawings when the actual processing or the apparatus is performed.
Referring to fig. 2, fig. 2 is a flow chart of a data processing method according to an embodiment of the invention. The flow of the method may be performed by an electronic device, which may be the server 102 in fig. 1, and the specific implementation flow of the method is as follows:
step 201: receiving a query request; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used to indicate the service platform that triggered the query request.
In the embodiment of the invention, the electronic equipment can receive one query request or can receive a plurality of query requests at one time and then process all the received query requests. Specifically, when a plurality of query requests are received, more possible query requests aiming at the same service scene are considered, so that the scoring rule and the grading rule can be stored in the local memory of the electronic equipment, the efficiency of acquiring the scoring rule and the grading rule is improved, and the target integral value corresponding to the client can be determined more quickly, so that quick response to the query requests is realized. Optionally, if the plurality of query requests include a specific query request, where the specific query request has a low requirement on response speed, the processing of the specific query request may obtain the corresponding scoring rule and the rating rule from an external relational database.
In an embodiment of the present invention, a query request is used to request an integrated value of a query client, wherein the query request includes identification information of the client and source channel information of the query request. The identification information of the client may be a nickname preset by the client in the point inquiring system, or may be a unique character generated randomly, or may be information such as an identification card number and a name for uniquely identifying the identity of the client, which is not limited in the embodiment of the present invention. The source channel information is used to indicate a service platform for triggering the query request, for example, the source channel information is, for example, a mobile banking, or xx living APP, or may also be a financial program, etc., which is not limited in the embodiment of the present invention.
Step 202: and acquiring a corresponding basic integral value based on the identification information of the client and the corresponding source channel information.
In the embodiment of the invention, the electronic equipment can determine the target integral value category corresponding to the client and the effective time of the integral value according to the source channel information in the query request; then searching candidate basic integral values matched with the identification information of the clients under the category of the target integral values; and taking the candidate basic integral value meeting the effective time of the integral value as the basic integral value.
For example, determining the target credit category corresponding to the customer may generally include 5 categories of finance, activity, transaction, account, and credit, wherein, for the finance category, if the customer performs an operation related to financial processing in the service platform, a base credit of the customer under the category is determined based on the corresponding operation information and the credit generation rule. For the active category, if the client performs operations such as login, inquiry, sign-in and the like in the service platform, a rule is generated based on corresponding operation information and the integral value, and a basic integral value of the client under the category is determined. For the transaction category, if the customer performs operations such as transfer, payment and the like in the service platform, a basic credit value of the customer under the category is determined based on the corresponding operation information and credit value generation rule. For an account category, if the customer does not have abnormal behavior in the service platform, a rule is generated based on the duration of use of the account by the customer and the point of use, and a base point of use for the customer under the category is determined. For the credit category, if the client has information of subscription, offer and the like in the service platform, a basic integral value of the client under the category is determined based on the information and the integral value generation rule. Further, candidate base points within the validity period may be screened as base points of the customer based on base points of the customer under 5 categories.
Step 203: acquiring an integration rule set matched with the basic integration value from a local memory of the electronic equipment; a scoring rule set is used to determine a customer score, the scoring rule set including rating rules obtained from an external relational database that rate customers and scoring rules that score customers.
In the embodiment of the invention, the rating rule and the grading rule can be combined and calculated and packaged in the local memory of the electronic equipment in advance to obtain the integral rule set.
For example, referring to fig. 3, fig. 3 is a schematic diagram illustrating obtaining an integration rule set according to an embodiment of the invention. Wherein the rating rules define business rules for rating clients, and in the schematic diagram, the rating rules comprise a calculation rating rule, a guest group rating rule and a relation between the rating rules and business scenes. The guest group rating rules are, for example, a rule set for defining a guest group, and a calculation rating rule is configured for the guest group. The relationship between the rating rules and the service scenarios is understood as a service scenario configuring a rule set, which configures a calculation rating rule.
The scoring rules define cumulative rules of the integral value of the behavioral flowing water of 5 dimensions of the customer, and in the schematic diagram, the scoring rules include a basic scoring rule, upper and lower limit rules of the integral value and an un-counted integral value rule. The basic scoring rule is, for example, 50 points are accumulated every 50-element consumption, the upper limit rule and the lower limit rule of the points are, for example, the total number of the points per month is not more than 5000, the rule of the un-counted points is, for example, the number of consumption times in one month is less than 3, the basic points are not calculated, or the online banking transaction is more than 5, the basic points are not calculated, and the like.
Further, a currently targeted business scenario may be determined, so that a scoring rule and a rule corresponding to the business scenario in the rating rule are combined, thereby obtaining a scoring rule set.
In the embodiment of the invention, the updating time period of the integration rule set can be adjusted according to the service requirement, so that the scoring requirements under different service scenes are met. For example, the update time period is 24 hours, 12 hours, or the like, which is not limited in the embodiment of the present invention. I.e. the update time period of the integration rule set is different for each business scenario.
The integration rule set is obtained by acquiring the latest rating rule and grading rule corresponding to the basic integration value from the relational database when the electronic equipment reaches the preset updating time period, and combining the latest rating rule and grading rule. The preset updating time period is determined based on the last updating time, the current time and the updating time period.
Because the integration rule set in the embodiment of the invention is updated periodically and is closely related to the service scene, the integration rule set can be reused in the same service scene, thereby improving the response speed of the query request of the same service scene and improving the processing efficiency of the query request.
Step 204: and determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial service interaction information of the client based on the grading rule and the integral value of grading and determining the financial service interaction information of the client based on the grading rule.
In the embodiment of the invention, after the basic integral value and the integral rule set of the customer are obtained, the financial service interaction information of the customer can be determined based on the identification information of the customer. The financial service interaction information is used for indicating information generated by the client executing various operations in a service platform corresponding to the source channel information, such as information of a user purchasing a fund, information of a user signing in, and the like. And then, grading the financial business interaction information of the client based on the grading rule, determining the grade information corresponding to the client, and determining the integral value coefficient indicated by the grade information. That is, the level of the customer on the service platform corresponding to the source channel information is calculated, the integral coefficient corresponding to the customer under the level is determined, the financial service interaction information of the customer is scored based on the scoring rule, the use integral is determined, and the product of the use integral and the integral coefficient is calculated to be the actual integral. Further, an integrated value obtained by adding the actual integrated value and the basic integrated value of the client is used as a target integrated value of the client corresponding to the inquiry request.
In one possible implementation, after receiving the query request, the electronic device may also determine a receipt time at which the query request was received; and if the historical query request corresponding to the identification information of the client in the query request is received within a preset time period before the receiving moment, taking the historical total integral corresponding to the identification information of the client in the temporary cache of the electronic equipment as a target integral of the client. That is, when a customer frequently inquires about an integrated value within a preset period of time (for example, 1 minute, 3 minutes, etc.), the electronic device may directly take an integrated value obtained by the last calculation of the customer before the preset period of time as a target integrated value of the customer, thereby improving the response speed to the inquiry request.
In the embodiment of the invention, after the query request is received, the integral rule set matched with the basic integral value can be acquired from the local memory of the electronic equipment, so that the purposes of acquiring the rating rule and the grading rule once and from the local memory are realized, the acquiring time length for acquiring the rating rule and the grading rule is reduced, the response speed to the query request is improved, and the processing efficiency to the query request is improved because the integral rule set comprises the rating rule for rating the client and the grading rule for grading the client acquired from the external relational database.
Based on the same inventive concept, the embodiment of the invention also provides a data processing device. As shown in fig. 4, which is a schematic structural diagram of the data processing apparatus 400, may include:
a receiving unit 401, configured to receive a query request; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used for indicating a service platform for triggering the query request;
a first obtaining unit 402, configured to obtain a corresponding basic integrated value based on the identification information of the client and the corresponding source channel information;
a second obtaining unit 403, configured to obtain, from a local memory of the electronic device, an integration rule set that matches the basic integration value; the integral rule set is used for determining a customer integral value, and comprises a rating rule for rating customers and a scoring rule for scoring the customers, wherein the rating rule is acquired from an external relational database;
and the processing unit 404 is configured to determine a target integral value of the client corresponding to the query request according to the basic integral value of the client, a level of rating the financial service interaction information of the client based on the rating rule, and an integral value of rating the financial service interaction information of the client based on the rating rule.
In a possible implementation manner, the integration rule set is obtained by acquiring a latest rating rule and a grading rule corresponding to a basic integration value from the relational database when the electronic device reaches a preset updating time period, and combining the latest rating rule and the grading rule.
In a possible implementation manner, the first obtaining unit 402 is specifically configured to:
determining a target integral value category corresponding to the client and the effective time of the integral value according to source channel information in the query request;
searching candidate basic integral values matched with the identification information of the client under the category of the target integral value;
and taking a candidate basic integrated value which satisfies the effective time of the integrated value as the basic integrated value.
In a possible implementation manner, the processing unit 404 is further configured to:
determining a receiving time for receiving the query request;
and if the historical query request corresponding to the identification information of the client in the query request is received within a preset time period before the receiving moment, taking the historical total integral corresponding to the identification information of the client in the temporary cache of the electronic equipment as the target integral of the client.
In a possible implementation manner, the processing unit 404 is specifically configured to:
determining financial service interaction information of the customer based on the identification information of the customer; the financial business interaction information is used for indicating information generated by a customer in a business platform corresponding to the source channel information to execute various operations;
ranking the financial interaction information of the client based on the ranking rule, determining the level information corresponding to the client, and determining the integral value coefficient indicated by the level information;
scoring the financial interaction information of the customer based on the scoring rule, determining a use integral value, and determining an actual integral value according to the use integral value and the integral value coefficient;
and determining a target integral value of the client corresponding to the inquiry request according to the actual integral value and the basic integral value.
For convenience of description, the above parts are described as being functionally divided into modules (or units) respectively. Of course, the functions of each module (or unit) may be implemented in the same piece or pieces of software or hardware when implementing the present invention.
Having described the data processing method and apparatus of an exemplary embodiment of the present invention, next, an electronic device according to another exemplary embodiment of the present invention is described.
Those skilled in the art will appreciate that the various aspects of the invention may be implemented as a system, method, or program product. Accordingly, aspects of the invention may be embodied in the following forms, namely: an entirely hardware embodiment, an entirely software embodiment (including firmware, micro-code, etc.) or an embodiment combining hardware and software aspects may be referred to herein as a "circuit," module "or" system.
The embodiment of the invention also provides electronic equipment based on the same conception as the embodiment of the method. In this embodiment, the structure of the electronic device may be shown in fig. 5, where the electronic device is, for example, the server 102 in fig. 1, as shown in fig. 5, and the electronic device in the embodiment of the present invention includes at least one processor 501, and a memory 502 and a communication interface 503 connected to the at least one processor 501, where the embodiment of the present invention does not limit a specific connection medium between the processor 501 and the memory 502, and in fig. 5, a connection between the processor 501 and the memory 502 is taken as an example, and in fig. 5, the system bus 500 is shown in bold line, and a connection manner between other components is merely illustrative and not limited. The system bus 500 may be divided into an address bus, a data bus, a control bus, etc., and is represented by only one thick line in fig. 5 for ease of illustration, but does not represent only one bus or one type of bus.
In the embodiment of the present invention, the memory 502 stores instructions executable by the at least one processor 501, and the at least one processor 501 may perform the steps included in the aforementioned data processing method by executing the instructions stored in the memory 502.
The processor 501 is a control center of the electronic device, and may connect various parts of the entire electronic device using various interfaces and lines, and may implement various functions of the electronic device by executing or executing instructions stored in the memory 502 and invoking data stored in the memory 502. Alternatively, the processor 501 may include one or more processing units, and the processor 501 may integrate an application processor and a modem processor, wherein the processor 501 primarily processes an operating system, user interface, application program, etc., and the modem processor primarily processes wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 501. In some embodiments, processor 501 and memory 502 may be implemented on the same chip, or they may be implemented separately on separate chips in some embodiments.
The processor 501 may be a general purpose processor such as a Central Processing Unit (CPU), digital signal processor, application specific integrated circuit, field programmable gate array or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, and may implement or perform the methods, steps and logic blocks disclosed in embodiments of the present invention. The general purpose processor may be a microprocessor or any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present invention may be embodied directly in a hardware processor for execution, or in a combination of hardware and software modules in the processor for execution.
The memory 502, as a non-volatile computer readable storage medium, may be used to store non-volatile software programs, non-volatile computer executable programs, and modules. The Memory 502 may include at least one type of storage medium, and may include, for example, flash Memory, hard disk, multimedia card, card Memory, random access Memory (Random Access Memory, RAM), static random access Memory (Static Random Access Memory, SRAM), programmable Read-Only Memory (Programmable Read Only Memory, PROM), read-Only Memory (ROM), charged erasable programmable Read-Only Memory (Electrically Erasable Programmable Read-Only Memory), magnetic Memory, magnetic disk, optical disk, and the like. Memory 502 is any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 502 in embodiments of the present invention may also be circuitry or any other device capable of performing storage functions for storing program instructions and/or data.
The communication interface 503 is a transmission interface that can be used for communication, and data can be received or transmitted through the communication interface 503.
In addition, the electronic device includes a basic input/output system (I/O system) 504, a mass storage device 508 for storing an operating system 505, application programs 506, and other program modules 507, which facilitate the transfer of information between the various devices within the electronic device.
The basic input/output system 504 includes a display 509 for displaying information and an input device 510, such as a mouse, keyboard, etc., for user input of information. Wherein the display 509 and the input device 510 are coupled to the processor 501 by a basic input/output system 504 coupled to the system bus 500. The basic input/output system 504 may also include an input/output controller for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, the input-output controller also provides output to a display screen, a printer, or other type of output device.
In particular, mass storage device 508 is connected to processor 501 through a mass storage controller (not shown) connected to system bus 500. Where the mass storage device 508 and its associated computer-readable media provide non-volatile storage for the server package. That is, mass storage device 508 may include a computer-readable medium (not shown), such as a hard disk or CD-ROM drive.
The electronic device may also operate via a network, such as the internet, connected to a remote computer on the network, in accordance with various embodiments of the present invention. I.e., the electronic device may be connected to the network 511 via a communication interface 503 coupled to the system bus 500, or alternatively, the communication interface 503 may be used to connect to other types of networks or remote computer systems (not shown).
The embodiment of the invention also provides a computer storage medium, wherein the computer readable storage medium stores a computer program, and the computer program is used for making a computer execute the technical scheme of the data processing method of the embodiment.
Embodiments of the present invention also provide a computer program product comprising: computer program code for implementing the technical solution of the data processing method in the above embodiment when the computer program code runs on a computer, so that the computer executes the computer program.
Those skilled in the art will appreciate that: all or part of the steps of implementing the above method embodiments may be implemented by hardware associated with program instructions pertaining to a computer program, which may be stored in a computer-readable storage medium, which when executed performs steps comprising the above method embodiments; the readable storage medium can be, for example, but is 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 readable storage medium would include the following: an electrical connection having one or more wires, a portable disk, a hard disk, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The program product of embodiments of the present invention may employ a portable compact disc read only memory (CD-ROM) and include program code and may run on a computing device. However, the program product of the present invention is not limited thereto, and in this document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with a command execution system, apparatus, or device.
The readable signal medium may include a data signal propagated in baseband or as part of a carrier wave with readable program code embodied therein. 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 readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with a command execution system, apparatus, or device.
Program code embodied on a 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.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the local computing device, partly on the electronic device, as a stand-alone software package, partly on the local computing device and partly on a remote computing device or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the local computing device through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

Claims (10)

1. A data processing method, applied to an electronic device, the method comprising:
receiving a query request; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used for indicating a service platform for triggering the query request;
acquiring a corresponding basic integral value based on the identification information of the client and the corresponding source channel information;
acquiring an integration rule set matched with the basic integration value from a local memory of the electronic equipment; the integral rule set is used for determining a customer integral value, and comprises a rating rule for rating customers and a scoring rule for scoring the customers, wherein the rating rule is acquired from an external relational database;
and determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial service interaction information of the client based on the grading rule and the integral value of grading and determining the financial service interaction information of the client based on the grading rule.
2. The method of claim 1, wherein the integration rule set is obtained by acquiring a latest rating rule and a rating rule corresponding to a basic integration value from the relational database when the electronic device reaches a preset update period, and combining the latest rating rule and the rating rule.
3. The method of claim 1 or 2, wherein obtaining a corresponding base credit value based on the customer's identification information and the corresponding source channel information, comprises:
determining a target integral value category corresponding to the client and the effective time of the integral value according to source channel information in the query request;
searching candidate basic integral values matched with the identification information of the client under the category of the target integral value;
and taking a candidate basic integrated value which satisfies the effective time of the integrated value as the basic integrated value.
4. The method of claim 1 or 2, wherein after receiving the query request, the method further comprises:
determining a receiving time for receiving the query request;
and if the historical query request corresponding to the identification information of the client in the query request is received within a preset time period before the receiving moment, taking the historical total integral corresponding to the identification information of the client in the temporary cache of the electronic equipment as the target integral of the client.
5. The method of claim 1 or 2, wherein determining the target point value for the customer corresponding to the query request based on the base point value for the customer, a level of rating the customer's financial transaction information based on the rating rules, and a point value of rating the customer's financial transaction information based on the rating rules comprises:
determining financial service interaction information of the customer based on the identification information of the customer; the financial business interaction information is used for indicating information generated by a customer in a business platform corresponding to the source channel information to execute various operations;
ranking the financial interaction information of the client based on the ranking rule, determining the level information corresponding to the client, and determining the integral value coefficient indicated by the level information;
scoring the financial interaction information of the customer based on the scoring rule, determining a use integral value, and determining an actual integral value according to the use integral value and the integral value coefficient;
and determining a target integral value of the client corresponding to the inquiry request according to the actual integral value and the basic integral value.
6. A data processing apparatus for application to an electronic device, the apparatus comprising:
a receiving unit, configured to receive a query request; the query request comprises identification information of a client and source channel information of the query request; the source channel information is used for indicating a service platform for triggering the query request;
the first acquisition unit is used for acquiring a corresponding basic integral value based on the identification information of the client and the corresponding source channel information;
the second acquisition unit is used for acquiring an integration rule set matched with the basic integration value from the local memory of the electronic equipment; the integral rule set is used for determining a customer integral value, and comprises a rating rule for rating customers and a scoring rule for scoring the customers, wherein the rating rule is acquired from an external relational database;
and the processing unit is used for determining a target integral value of the client corresponding to the query request according to the basic integral value of the client, the grade of grading and determining the financial business interaction information of the client based on the grading rule and the integral value of grading and determining the financial business interaction information of the client based on the grading rule.
7. The apparatus of claim 6, wherein the set of scoring rules is obtained by the electronic device obtaining a latest rating rule and scoring rule corresponding to a base scoring value from the relational database when a preset update period is reached, and combining the latest rating rule and scoring rule.
8. An electronic device comprising at least one processor; and a memory communicatively coupled to the at least one processor; wherein the memory stores instructions executable by the at least one processor to implement the method of any of claims 1-5.
9. A computer storage medium, characterized in that the computer storage medium stores a computer program for enabling a computer to perform the method according to any one of claims 1-5.
10. A computer program product, the computer program product comprising: computer program code which, when run on a computer, causes the computer to perform the method of any of the preceding claims 1-5.
CN202311261574.XA 2023-09-27 2023-09-27 Data processing method and device, electronic equipment and storage medium Pending CN117290394A (en)

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