CN109583973A - A kind of calculation method and device of expense preference - Google Patents
A kind of calculation method and device of expense preference Download PDFInfo
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- CN109583973A CN109583973A CN201811562331.9A CN201811562331A CN109583973A CN 109583973 A CN109583973 A CN 109583973A CN 201811562331 A CN201811562331 A CN 201811562331A CN 109583973 A CN109583973 A CN 109583973A
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Abstract
This application provides a kind of calculation methods of expense preference, comprising: when a transaction occurs, obtains Transaction Information, the Transaction Information includes original tranaction costs；Determine preferential strategy corresponding with the Transaction Information；Preferential calculating is carried out to the original tranaction costs according to the corresponding preferential strategy of the Transaction Information, obtain it is preferential after tranaction costs.The present invention is realized by the way that different preferential strategies is arranged according to Transaction Information automation progress expense preference calculating, improves expense computational efficiency and accuracy rate.
Description
Technical field
The present invention relates to technical field of data processing, more particularly to the calculation method and device of a kind of expense preference.
Background technique
In financial service system, when a transaction occurs, expense preference is often related to, for the excellent of some expense
Favour may relate to multiple dimensions, have an impact between dimension and dimension and restricting relation.
Traditional expense preference calculation method generally uses the preferential dimension of artificial selection, and business personnel needs from multiple preferential
The preferential dimension being related to of currently trading is selected in dimension, and the preferential dimension of artificial selection one of them or more than one carries out expense
With preferential calculating, business personnel needs to take a significant amount of time and more demanding to business personnel.And since full artificial treatment is frequent
It will appear and batter folding, the case where giving a discount or giving a discount less more.
Summary of the invention
It is different preferential by being arranged in view of this, the present invention provides a kind of calculation method of expense preference and device
Strategy, which realizes to be automated according to Transaction Information, carries out expense preference calculating, improves expense computational efficiency and accuracy rate.
In order to achieve the above-mentioned object of the invention, specific technical solution provided by the invention is as follows:
A kind of calculation method of expense preference, comprising:
When a transaction occurs, Transaction Information is obtained, the Transaction Information includes original tranaction costs；
Determine preferential strategy corresponding with the Transaction Information；
Preferential calculating is carried out to the original tranaction costs according to the corresponding preferential strategy of the Transaction Information, is obtained preferential
Tranaction costs afterwards.
Optionally, the determination preferential strategy corresponding with the Transaction Information, comprising:
Obtain the type of transaction in the Transaction Information；
According to the mapping table of preset preferential strategy and type of transaction, determine that the type of transaction is corresponding excellent
Favour strategy.
Optionally, described according to institute when the corresponding preferential strategy of the Transaction Information is that account layer is preferential preferential tactful
State the corresponding preferential strategy of Transaction Information and preferential calculating carried out to the original tranaction costs, obtain it is preferential after tranaction costs,
Include:
Identify account information, scene code and the channel code in the Transaction Information；
The preferential calculating for carrying out account layer according to the account information and the original tranaction costs in account layer, obtains account
Tranaction costs after the preferential calculating of family layer, and the tranaction costs after the scene code and the preferential calculating of account layer are passed to scene
Layer；
Background layer on the scene carries out the preferential meter of scene layer according to the tranaction costs after the scene code and the preferential calculating of account layer
It calculates, the tranaction costs after obtaining the preferential calculating of scene layer, and by the tranaction costs after the channel code and the preferential calculating of scene layer
Incoming channel layer；
The preferential meter of channel layer is carried out according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer
Calculate, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
Optionally, described according to the transaction when the corresponding preferential strategy of the Transaction Information is preferential tactful for whom
The corresponding preferential strategy of information carries out preferential calculating to the original tranaction costs, obtain it is preferential after tranaction costs, comprising:
Identify account information in the Transaction Information, because of objective pricing information, scene code and channel code；
The preferential calculating for carrying out account layer according to the account information and the original tranaction costs in account layer, obtains account
Tranaction costs after the preferential calculating of family layer；
According to described because objective pricing information determines the corresponding client's group of the Transaction Information, and organized and corresponded to according to the client
Preferential calculation method preferential calculating is carried out to the original tranaction costs, the transaction fee after the preferential calculating that obtains fixing a price because of visitor
With；
Minimum in the tranaction costs after preferential calculating of fixing a price by the tranaction costs after the preferential calculating of account layer and because of visitor takes
Optimal tranaction costs are used as, and the optimal tranaction costs and scene code are passed to scene layer；
Background layer on the scene carries out the preferential calculating of scene layer according to the scene code and the optimal tranaction costs, obtains scene
Tranaction costs after the preferential calculating of layer, and the tranaction costs after the channel code and the preferential calculating of scene layer are passed to channel layer；
The preferential meter of channel layer is carried out according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer
Calculate, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
Optionally, when the corresponding preferential strategy of the Transaction Information is that standard account client is preferential tactful, the basis
The corresponding preferential strategy of the Transaction Information carries out preferential calculating to the original tranaction costs, obtain it is preferential after transaction fee
With, comprising:
Identify account information, customer information, scene code and the channel code in the Transaction Information；
The preferential mode and the original transaction selected in the preferential mode of account and the preferential mode of client according to client
Expense carries out corresponding expense preference calculating, the tranaction costs after obtaining the preferential calculating of account client, and by the scene code and
Tranaction costs after the preferential calculating of account client are passed to scene layer；
Background layer on the scene carries out the preferential of scene layer according to the tranaction costs after the scene code and the preferential calculating of account client
It calculates, the tranaction costs after obtaining the preferential calculating of scene layer, and by the transaction fee after the channel code and the preferential calculating of scene layer
With incoming channel layer；
The preferential meter of channel layer is carried out according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer
Calculate, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
A kind of computing device of expense preference, comprising:
Transaction Information acquiring unit, for when a transaction occurs, obtaining Transaction Information, the Transaction Information includes original
Beginning tranaction costs；
Preferential policy determining unit, for determining preferential strategy corresponding with the Transaction Information；
Expense preference computing unit, for corresponding preferential tactful to the original tranaction costs according to the Transaction Information
Carry out preferential calculating, obtain it is preferential after tranaction costs.
Optionally, the preferential policy determining unit, specifically for obtaining the type of transaction in the Transaction Information；According to
The mapping table of preset preferential strategy and type of transaction, determines the corresponding preferential strategy of the type of transaction.
Optionally, when the corresponding preferential strategy of the Transaction Information is that account layer is preferential preferential tactful, the expense is excellent
Favour computing unit includes:
The first information identifies subelement, for identification the account information in the Transaction Information, scene code and channel code；
Account layer computation subunit, for carrying out account according to the account information and the original tranaction costs in account layer
The preferential calculating of family layer, the tranaction costs after obtaining the preferential calculating of account layer, and by the scene code and the preferential calculating of account layer
Tranaction costs afterwards are passed to scene layer；
Scene layer computation subunit, for background layer on the scene according to the transaction fee after the scene code and the preferential calculating of account layer
With the preferential calculating for carrying out scene layer, tranaction costs after obtaining the preferential calculating of scene layer, and by the channel code and scene layer
Tranaction costs after preferential calculating are passed to channel layer；
Channel layer computation subunit, in channel layer according to the transaction fee after the channel code and the preferential calculating of scene layer
With the preferential calculating for carrying out channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after transaction fee
With.
Optionally, when the corresponding preferential strategy of the Transaction Information is preferential tactful for whom, the expense preference is calculated
Unit includes:
Second information identify subelement, for identification the account information in the Transaction Information, because of objective pricing information, scene
Code and channel code；
Account layer computation subunit, for carrying out account according to the account information and the original tranaction costs in account layer
The preferential calculating of family layer, the tranaction costs after obtaining the preferential calculating of account layer；
Because visitor fix a price computation subunit, for according to described because objective pricing information determines the corresponding client of the Transaction Information
Group, and corresponding preferential calculation method is organized according to the client, preferential calculating is carried out to the original tranaction costs, it obtains because of visitor
It fixes a price the tranaction costs after preferential calculating；
Optimal cost selects subelement, for by the tranaction costs after the preferential calculating of account layer and because of the preferential calculating of visitor's price
The minimum charge in tranaction costs afterwards is passed to scene as optimal tranaction costs, and by the optimal tranaction costs and scene code
Layer；
Scene layer computation subunit carries out scene according to the scene code and the optimal tranaction costs for background layer on the scene
The preferential calculating of layer, the tranaction costs after obtaining the preferential calculating of scene layer, and will be after the channel code and the preferential calculating of scene layer
Tranaction costs be passed to channel layer；
Channel layer computation subunit, in channel layer according to the transaction fee after the channel code and the preferential calculating of scene layer
With the preferential calculating for carrying out channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after transaction fee
With.
Optionally, when the corresponding preferential strategy of the Transaction Information is that standard account client is preferential tactful, the expense
Preferential computing unit includes:
Third information identify subelement, for identification the account information in the Transaction Information, customer information, scene code and
Channel code；
Account client layer computation subunit, for what is selected in the preferential mode of account and the preferential mode of client according to client
Preferential mode and the original tranaction costs carry out corresponding expense preference calculating, after obtaining the preferential calculating of account client
Tranaction costs, and the tranaction costs after the scene code and the preferential calculating of account client are passed to scene layer；
Scene layer computation subunit, for background layer on the scene according to the transaction after the scene code and the preferential calculating of account client
Expense carries out the preferential calculating of scene layer, the tranaction costs after obtaining the preferential calculating of scene layer, and by the channel code and scene
Tranaction costs after the preferential calculating of layer are passed to channel layer；
Channel layer computation subunit, in channel layer according to the transaction fee after the channel code and the preferential calculating of scene layer
With the preferential calculating for carrying out channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after transaction fee
With.
Compared with the existing technology, beneficial effects of the present invention are as follows:
The calculation method and device of a kind of expense preference disclosed by the invention customize a variety of preferential strategies, when one in advance
When transaction occurs, corresponding preferential strategy can be determined according to Transaction Information with automatic identification Transaction Information, this is excellent for automated execution
Favour strategy carries out preferential calculating to the original tranaction costs in Transaction Information, obtain it is preferential after tranaction costs.Solves tradition
Full artificial treatment requires high and needs the time-consuming problem of business personnel to business personnel, and full artificial treatment is avoided to go out
Existing batters folding, the problem of giving a discount or giving a discount less more, improves the efficiency and accuracy rate of expense preference calculating.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of invention for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of calculation method flow diagram of expense preference disclosed by the embodiments of the present invention；
Fig. 2 is that the calculation method process of the expense preference under the preferential preference strategy of account layer disclosed by the embodiments of the present invention is shown
It is intended to；
Fig. 3 is the calculation method flow diagram of the expense preference under who preferential strategy disclosed by the embodiments of the present invention；
Fig. 4 is that the expense preference calculation method process under the preferential strategy of standard account client disclosed by the embodiments of the present invention is shown
It is intended to；
Fig. 5 is a kind of computing device structure schematic diagram of expense preference disclosed by the embodiments of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
The calculation method of expense preference disclosed in the present embodiment is applied to financial service system, in banking system
The preferential calculating of tranaction costs, specifically, referring to Fig. 1, this implementation disclosed in expense preference calculation method mainly include with
Lower step:
S101: when a transaction occurs, Transaction Information is obtained, the Transaction Information includes original tranaction costs；
Wherein, Transaction Information includes: original tranaction costs, account information, customer information, transaction code, scene code, channel
Code, because of objective pricing information etc..
Original tranaction costs are in transaction without the service charge in preferential tranaction costs, such as cross-border money transfer transactions.
It is more accurately to classify from multiple dimensions to client because objective pricing information is the information of each default dimension of user,
Such as classify from 20 dimensions to client.
S102: preferential strategy corresponding with the Transaction Information is determined；
System can preset a variety of preferential strategies, such as the preferential preferential strategy of account layer, who preferential strategy and standard
Preferential strategy of account client etc..Corresponding preferential strategy can be selected according to information such as different type of transaction, such as determined and handed over
The corresponding preferential strategy of credulity manner of breathing includes:
Obtain the type of transaction in the Transaction Information；
According to the mapping table of preset preferential strategy and type of transaction, determine that the type of transaction is corresponding excellent
Favour strategy.
S103: preferential calculating is carried out to the original tranaction costs according to the corresponding preferential strategy of the Transaction Information, is obtained
To the tranaction costs after preferential.
Who, individually below by the preferential preferential strategy of account layer, preferential strategy and the preferential strategy of standard account client, lift
The method that example explanation carries out preferential calculating to original tranaction costs according to the corresponding preferential strategy of Transaction Information.
Referring to Fig. 2, when the corresponding preferential strategy of the Transaction Information is that account layer is preferential preferential tactful, expense preference
Calculation method specifically includes the following steps:
S201: account information, scene code and the channel code in the Transaction Information are identified；
Wherein, account information indicates the account of transaction, and each client can have at least one account.
Scene code indicates the scene type of transaction, such as group's remittance, cross-border remittance, domestic remittance.
Channel code indicates to hand over incident channel, such as sales counter, Mobile banking, Internetbank, front end processor.
S202: carrying out the preferential calculating of account layer in account layer according to the account information and the original tranaction costs,
Tranaction costs after obtaining the preferential calculating of account layer, and the tranaction costs after the scene code and the preferential calculating of account layer are passed to
Scene layer；
Firstly, different Account Type corresponds to different preferential dynamics in account layer, need to identify the account in Transaction Information
Family information is to judge which Account Type is account information belong to, to obtain the corresponding preferential dynamics of account information.
Wherein, account layer supports fixed preferential and percentage, that is, fixes the preferential amount of money and preferential percentage.
The preferential calculating that account layer is carried out according to the corresponding preferential dynamics of account information, specially in original tranaction costs
On the basis of subtract the fixed preferential amount of money and obtain the tranaction costs after the preferential calculating of account layer, or on the basis of original tranaction costs
On give a discount, the tranaction costs after the preferential calculating of account layer is obtained after discounting.
S203: background layer on the scene carries out the excellent of scene layer according to the tranaction costs after the scene code and the preferential calculating of account layer
Favour calculates, the tranaction costs after obtaining the preferential calculating of scene layer, and by the transaction after the channel code and the preferential calculating of scene layer
Expense is passed to channel layer；
Background layer on the scene carries out the inquiry of scene layer information according to incoming scene code, and scene layer is carried out if inquiring
The tranaction costs after the preferential calculating of scene layer are calculated in expense preference, by the friendship after the preferential calculating of account layer if not inquiring
Easy expense is as the tranaction costs after the preferential calculating of scene layer.
Scene layer also supports fixed preferential and percentage.
S204: the excellent of channel layer is carried out according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer
Favour calculates, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
The inquiry for carrying out channel layer information according to incoming channel code in channel layer, carries out channel layer if inquiring
The tranaction costs after the preferential calculating of channel layer are calculated in expense preference, by the friendship after the preferential calculating of scene layer if not inquiring
Easy expense is as the tranaction costs after the preferential calculating of channel layer.
Channel layer supports percentage preferential.
Referring to Fig. 3, when the corresponding preferential strategy of the Transaction Information is preferential tactful for whom, the calculating of expense preference
Method the following steps are included:
S301: account information in the Transaction Information is identified, because of objective pricing information, scene code and channel code；
Wherein, because of the information that objective pricing information is each default dimension of user, be from multiple dimensions to client more accurately
Classification, such as classifies to client from 20 dimensions.Because the dimension that objective pricing information includes may include: gender, age, marriage
State, educational background, income, occupation etc..
S302: carrying out the preferential calculating of account layer in account layer according to the account information and the original tranaction costs,
Tranaction costs after obtaining the preferential calculating of account layer；
S303: according to described because objective pricing information determines the corresponding client's group of the Transaction Information, and according to the client
The corresponding preferential calculation method of group carries out preferential calculating to the original tranaction costs, obtains because of the friendship after the preferential calculating of visitor's price
Easy expense；
S304: in the tranaction costs after preferential calculating of fixing a price by the tranaction costs after the preferential calculating of account layer and because of visitor most
Low expense is passed to scene layer as optimal tranaction costs, and by the optimal tranaction costs and scene code；
S305: background layer on the scene carries out the preferential calculating of scene layer according to the scene code and the optimal tranaction costs, obtains
Tranaction costs after the preferential calculating of background layer of showing up, and the tranaction costs after the channel code and the preferential calculating of scene layer are passed to canal
Channel layer；
S306: the excellent of channel layer is carried out according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer
Favour calculates, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
Referring to Fig. 4, expense is excellent when the corresponding preferential strategy of the Transaction Information is that standard account client is preferential tactful
The calculation method of favour specifically includes the following steps:
S401: account information, customer information, scene code and the channel code in the Transaction Information are identified；
S402: the preferential mode and the original selected in the preferential mode of account and the preferential mode of client according to client
Beginning tranaction costs carry out corresponding expense preference calculating, the tranaction costs after obtaining the preferential calculating of account client, and by the field
Tranaction costs after scape code and the preferential calculating of account client are passed to scene layer；
Client can choose the preferential mode of account or the preferential mode of client, and traditional folding is eliminated when account client is preferential
The preferential inquiry mode of table is detained, when business personnel needs to select preferential dynamics in the preferential inquiry mode of traditional discount list
Need to compare discount list, inefficiency.Account client disclosed in the present embodiment is preferential, and client can directly select the preferential side of account
Formula or the preferential mode of client, the corresponding preferential dynamics of system automatic identification account information and the corresponding preferential dynamics of customer information,
The preferential mode of account and the preferential mode of client all support fixed preferential and percentage preferential, when client select the preferential mode of account or
After the preferential mode of client, the preferential amount of money of preferential fixation or percentage can be directly displayed in systems, is more intuitively shown preferential
The specific amount of money and preferential ratio.
S403: background layer on the scene carries out scene layer according to the tranaction costs after the scene code and the preferential calculating of account client
Preferential calculating, the tranaction costs after obtaining the preferential calculating of scene layer, and by the friendship after the channel code and the preferential calculating of scene layer
Easy expense is passed to channel layer；
S404: the excellent of channel layer is carried out according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer
Favour calculates, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
The calculation method of expense preference disclosed in the present embodiment customizes a variety of preferential strategies in advance, when a transaction occurs
When, it can determine that corresponding preferential strategy, the automated execution preferential strategy are right according to Transaction Information with automatic identification Transaction Information
Original tranaction costs in Transaction Information carry out preferential calculating, obtain it is preferential after tranaction costs.Solves traditional complete artificial place
Reason requires high and needs the time-consuming problem of business personnel to business personnel, and avoids battering for full artificial treatment appearance
Folding, the problem of giving a discount or giving a discount less, improve the efficiency and accuracy rate of expense preference calculating more.
The calculation method of disclosed expense preference based on the above embodiment, this implementation accordingly disclose a kind of expense preference
Computing device, referring to Fig. 5, the computing device of the expense preference includes:
Transaction Information acquiring unit 501, for obtaining Transaction Information, the Transaction Information packet when a transaction occurs
Include original tranaction costs；
Preferential policy determining unit 502, for determining preferential strategy corresponding with the Transaction Information；
Expense preference computing unit 503, for corresponding preferential tactful to the original transaction according to the Transaction Information
Expense carries out preferential calculating, obtain it is preferential after tranaction costs.
Optionally, the preferential policy determining unit 502, specifically for obtaining the type of transaction in the Transaction Information；
According to the mapping table of preset preferential strategy and type of transaction, the corresponding preferential strategy of the type of transaction is determined.
Optionally, when the corresponding preferential strategy of the Transaction Information is that account layer is preferential preferential, the expense preference meter
Calculating unit 503 includes:
The first information identifies subelement, for identification the account information in the Transaction Information, scene code and channel code；
Account layer computation subunit, for carrying out account according to the account information and the original tranaction costs in account layer
The preferential calculating of family layer, the tranaction costs after obtaining the preferential calculating of account layer, and by the scene code and the preferential calculating of account layer
Tranaction costs afterwards are passed to scene layer；
Scene layer computation subunit, for background layer on the scene according to the transaction fee after the scene code and the preferential calculating of account layer
With the preferential calculating for carrying out scene layer, tranaction costs after obtaining the preferential calculating of scene layer, and by the channel code and scene layer
Tranaction costs after preferential calculating are passed to channel layer；
Channel layer computation subunit, in channel layer according to the transaction fee after the channel code and the preferential calculating of scene layer
With the preferential calculating for carrying out channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after transaction fee
With.
Optionally, when the corresponding preferential strategy of the Transaction Information is preferential tactful for whom, the expense preference is calculated
Unit 503 includes:
Second information identify subelement, for identification the account information in the Transaction Information, because of objective pricing information, scene
Code and channel code；
Account layer computation subunit, for carrying out account according to the account information and the original tranaction costs in account layer
The preferential calculating of family layer, the tranaction costs after obtaining the preferential calculating of account layer；
Because visitor fix a price computation subunit, for according to described because objective pricing information determines the corresponding client of the Transaction Information
Group, and corresponding preferential calculation method is organized according to the client, preferential calculating is carried out to the original tranaction costs, it obtains because of visitor
It fixes a price the tranaction costs after preferential calculating；
Optimal cost selects subelement, for by the tranaction costs after the preferential calculating of account layer and because of the preferential calculating of visitor's price
The minimum charge in tranaction costs afterwards is passed to scene as optimal tranaction costs, and by the optimal tranaction costs and scene code
Layer；
Scene layer computation subunit carries out scene according to the scene code and the optimal tranaction costs for background layer on the scene
The preferential calculating of layer, the tranaction costs after obtaining the preferential calculating of scene layer, and will be after the channel code and the preferential calculating of scene layer
Tranaction costs be passed to channel layer；
Channel layer computation subunit, in channel layer according to the transaction fee after the channel code and the preferential calculating of scene layer
With the preferential calculating for carrying out channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after transaction fee
With.
Optionally, when the corresponding preferential strategy of the Transaction Information is that standard account client is preferential tactful, the expense
Preferential computing unit 503 includes:
Third information identify subelement, for identification the account information in the Transaction Information, customer information, scene code and
Channel code；
Account client layer computation subunit, for what is selected in the preferential mode of account and the preferential mode of client according to client
Preferential mode and the original tranaction costs carry out corresponding expense preference calculating, after obtaining the preferential calculating of account client
Tranaction costs, and the tranaction costs after the scene code and the preferential calculating of account client are passed to scene layer；
Scene layer computation subunit, for background layer on the scene according to the transaction after the scene code and the preferential calculating of account client
Expense carries out the preferential calculating of scene layer, the tranaction costs after obtaining the preferential calculating of scene layer, and by the channel code and scene
Tranaction costs after the preferential calculating of layer are passed to channel layer；
Channel layer computation subunit, in channel layer according to the transaction fee after the channel code and the preferential calculating of scene layer
With the preferential calculating for carrying out channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after transaction fee
With.
A kind of computing device of expense preference disclosed in the present embodiment, the automation for realizing expense preference are calculated, are supported
A variety of preferential strategies can be determined corresponding preferential when a transaction occurs with automatic identification Transaction Information according to Transaction Information
Strategy, the automated execution preferential strategy carry out preferential calculating to original tranaction costs in Transaction Information, obtain it is preferential after
Tranaction costs improve the efficiency and accuracy rate of expense preference calculating.
The foregoing description of the disclosed embodiments enables those skilled in the art to implement or use the present invention.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, of the invention
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (10)
1. a kind of calculation method of expense preference characterized by comprising
When a transaction occurs, Transaction Information is obtained, the Transaction Information includes original tranaction costs；
Determine preferential strategy corresponding with the Transaction Information；
Preferential calculating is carried out to the original tranaction costs according to the corresponding preferential strategy of the Transaction Information, obtain it is preferential after
Tranaction costs.
2. the method according to claim 1, wherein the determination preferential plan corresponding with the Transaction Information
Slightly, comprising:
Obtain the type of transaction in the Transaction Information；
According to the mapping table of preset preferential strategy and type of transaction, the corresponding preferential plan of the type of transaction is determined
Slightly.
3. the method according to claim 1, wherein when the corresponding preferential strategy of the Transaction Information is account layer
It is described that preferential meter is carried out to the original tranaction costs according to the corresponding preferential strategy of the Transaction Information when preferential preferential strategy
Calculate, obtain it is preferential after tranaction costs, comprising:
Identify account information, scene code and the channel code in the Transaction Information；
The preferential calculating for carrying out account layer according to the account information and the original tranaction costs in account layer, obtains account layer
Tranaction costs after preferential calculating, and the tranaction costs after the scene code and the preferential calculating of account layer are passed to scene layer；
Background layer on the scene carries out the preferential calculating of scene layer according to the tranaction costs after the scene code and the preferential calculating of account layer, obtains
Tranaction costs after the preferential calculating of background layer of showing up, and the tranaction costs after the channel code and the preferential calculating of scene layer are passed to canal
Channel layer；
The preferential calculating for carrying out channel layer according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer, obtains
Tranaction costs after to the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
4. the method according to claim 1, wherein when the corresponding preferential strategy of the Transaction Information is excellent for whom
It is described that preferential calculating is carried out to the original tranaction costs according to the corresponding preferential strategy of the Transaction Information when favour strategy, it obtains
To the tranaction costs after preferential, comprising:
Identify account information in the Transaction Information, because of objective pricing information, scene code and channel code；
The preferential calculating for carrying out account layer according to the account information and the original tranaction costs in account layer, obtains account layer
Tranaction costs after preferential calculating；
According to described because objective pricing information determines the corresponding client's group of the Transaction Information, and it is corresponding excellent according to client group
Favour calculation method carries out preferential calculating to the original tranaction costs, obtains because of the tranaction costs after the preferential calculating of visitor's price；
By the tranaction costs after the preferential calculating of account layer and because the minimum charge in the tranaction costs after the preferential calculating of visitor's price is made
For optimal tranaction costs, and the optimal tranaction costs and scene code are passed to scene layer；
Background layer on the scene carries out the preferential calculating of scene layer according to the scene code and the optimal tranaction costs, and it is excellent to obtain scene layer
Tranaction costs after favour calculating, and the tranaction costs after the channel code and the preferential calculating of scene layer are passed to channel layer；
The preferential calculating for carrying out channel layer according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer, obtains
Tranaction costs after to the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
5. the method according to claim 1, wherein when the corresponding preferential strategy of the Transaction Information is standard account
It is described preferential to the original tranaction costs progress according to the corresponding preferential strategy of the Transaction Information when family client is preferential tactful
Calculate, obtain it is preferential after tranaction costs, comprising:
Identify account information, customer information, scene code and the channel code in the Transaction Information；
The preferential mode and the original tranaction costs selected in the preferential mode of account and the preferential mode of client according to client
Corresponding expense preference calculating is carried out, the tranaction costs after obtaining the preferential calculating of account client, and by the scene code and account
Tranaction costs after the preferential calculating of client are passed to scene layer；
Background layer on the scene carries out the preferential calculating of scene layer according to the tranaction costs after the scene code and the preferential calculating of account client,
Tranaction costs after obtaining the preferential calculating of scene layer, and the tranaction costs after the channel code and the preferential calculating of scene layer are passed to
Channel layer；
The preferential calculating for carrying out channel layer according to the tranaction costs after the channel code and the preferential calculating of scene layer in channel layer, obtains
Tranaction costs after to the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
6. a kind of computing device of expense preference characterized by comprising
Transaction Information acquiring unit, for obtaining Transaction Information, the Transaction Information includes original friendship when a transaction occurs
Easy expense；
Preferential policy determining unit, for determining preferential strategy corresponding with the Transaction Information；
Expense preference computing unit, for being carried out according to the corresponding preferential strategy of the Transaction Information to the original tranaction costs
Preferential calculating, obtain it is preferential after tranaction costs.
7. device according to claim 6, which is characterized in that the preferential policy determining unit is specifically used for obtaining institute
State the type of transaction in Transaction Information；According to it is preset it is preferential strategy and type of transaction mapping table, determine described in
The corresponding preferential strategy of type of transaction.
8. device according to claim 6, which is characterized in that when the corresponding preferential strategy of the Transaction Information is account layer
When preferential preferential strategy, the expense preference computing unit includes:
The first information identifies subelement, for identification the account information in the Transaction Information, scene code and channel code；
Account layer computation subunit, for carrying out account layer according to the account information and the original tranaction costs in account layer
Preferential calculating, tranaction costs after obtaining the preferential calculating of account layer, and will be after the scene code and the preferential calculating of account layer
Tranaction costs are passed to scene layer；
Scene layer computation subunit, for background layer on the scene according to the tranaction costs after the scene code and the preferential calculating of account layer into
The preferential calculating of row scene layer, the tranaction costs after obtaining the preferential calculating of scene layer, and the channel code and scene layer is preferential
Tranaction costs after calculating are passed to channel layer；
Channel layer computation subunit, for channel layer according to the tranaction costs after the channel code and the preferential calculating of scene layer into
The preferential calculating of row channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
9. device according to claim 6, which is characterized in that when the corresponding preferential strategy of the Transaction Information is excellent for whom
When favour strategy, the expense preference computing unit includes:
Second information identify subelement, for identification the account information in the Transaction Information, because objective pricing information, scene code and
Channel code；
Account layer computation subunit, for carrying out account layer according to the account information and the original tranaction costs in account layer
Preferential calculating, the tranaction costs after obtaining the preferential calculating of account layer；
Because visitor fix a price computation subunit, for according to described because objective pricing information determines the corresponding client's group of the Transaction Information,
And corresponding preferential calculation method is organized according to the client, preferential calculating is carried out to the original tranaction costs, it obtains fixing a price because of visitor
Tranaction costs after preferential calculating；
Optimal cost selects subelement, after by the tranaction costs after the preferential calculating of account layer and because of the preferential calculating of visitor's price
Minimum charge in tranaction costs is passed to scene layer as optimal tranaction costs, and by the optimal tranaction costs and scene code；
Scene layer computation subunit carries out scene layer according to the scene code and the optimal tranaction costs for background layer on the scene
Preferential calculating, the tranaction costs after obtaining the preferential calculating of scene layer, and by the friendship after the channel code and the preferential calculating of scene layer
Easy expense is passed to channel layer；
Channel layer computation subunit, for channel layer according to the tranaction costs after the channel code and the preferential calculating of scene layer into
The preferential calculating of row channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
10. device according to claim 6, which is characterized in that when the corresponding preferential strategy of the Transaction Information is standard
When account client is preferential tactful, the expense preference computing unit includes:
Third information identifies subelement, for identification the account information in the Transaction Information, customer information, scene code and channel
Code；
Account client layer computation subunit is preferential for being selected in the preferential mode of account and the preferential mode of client according to client
Mode and the original tranaction costs carry out corresponding expense preference calculating, the transaction after obtaining the preferential calculating of account client
Expense, and the tranaction costs after the scene code and the preferential calculating of account client are passed to scene layer；
Scene layer computation subunit, for background layer on the scene according to the tranaction costs after the scene code and the preferential calculating of account client
The preferential calculating of progress scene layer, the tranaction costs after obtaining the preferential calculating of scene layer, and the channel code and scene layer is excellent
Tranaction costs after favour calculates are passed to channel layer；
Channel layer computation subunit, for channel layer according to the tranaction costs after the channel code and the preferential calculating of scene layer into
The preferential calculating of row channel layer, tranaction costs after obtaining the preferential calculating of channel layer and as it is final it is preferential after tranaction costs.
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