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CN121032508A - Payment authorization methods, systems, and storage media for cash position management systems - Google Patents

Payment authorization methods, systems, and storage media for cash position management systems

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Publication number
CN121032508A
CN121032508A CN202511544494.4A CN202511544494A CN121032508A CN 121032508 A CN121032508 A CN 121032508A CN 202511544494 A CN202511544494 A CN 202511544494A CN 121032508 A CN121032508 A CN 121032508A
Authority
CN
China
Prior art keywords
payment request
payment
time period
authorization
current time
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202511544494.4A
Other languages
Chinese (zh)
Inventor
肖鸿涛
包洪强
张涛
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shanghai Global Business Intelligence Consulting Co ltd
Global Business Intelligence Consulting Co
Original Assignee
Shanghai Global Business Intelligence Consulting Co ltd
Global Business Intelligence Consulting Co
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Publication date
Application filed by Shanghai Global Business Intelligence Consulting Co ltd, Global Business Intelligence Consulting Co filed Critical Shanghai Global Business Intelligence Consulting Co ltd
Priority to CN202511544494.4A priority Critical patent/CN121032508A/en
Publication of CN121032508A publication Critical patent/CN121032508A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention relates to the technical field of payment authorization and provides a payment authorization method, a system and a storage medium for a fund position management system, wherein the payment authorization method, the system and the storage medium comprise the steps of obtaining a plurality of payment requests of each account and processing records thereof, and recording bearable capacity of each period; determining concurrency coefficients of all the time periods, obtaining influence evaluation of all the accounts, grading all the accounts according to the influence evaluation to obtain basic influence scales of all the payment requests, analyzing the influence of the basic influence scales and approval times of all the payment requests on the current time period, determining delay allowance of the current time period by combining the time difference between the sending time of all the payment requests and the current time period, obtaining authorization evaluation of all the payment requests in the current time period, and automatically authorizing based on the authorization evaluation of the payment requests. The invention aims to solve the problem that the automatic authorization of the payment request according to the amount of money does not consider the system stability and the dynamic change of the bearable capacity of the clearing account.

Description

Payment authorization method, system and storage medium for fund position management system
Technical Field
The invention relates to the technical field of payment authorization, in particular to a payment authorization method, a payment authorization system and a storage medium for a fund position management system.
Background
The fund position management belongs to daily liquidity risk management, and aims at meeting supervision requirements, ensuring smooth payment, ensuring no overdraft of a clearing account, keeping enough reserve amount in the end of the day, avoiding excessive fund precipitation (which can lead to high cost of asset precipitation) so as to truly realize unified management of liquidity, safety and profitability.
In the prior art, the automatic authorization of the payment request is generally realized by carrying out authorization judgment through a fixed amount threshold, and the automatic authorization of the payment request with smaller amount is carried out, but the judgment method has poor flexibility, does not consider the dynamic change of the system stability and the bearable capacity of the clearing account, and the long-term large-amount high-frequency payment request can cause a large amount of retention of the payment request in the system and seriously interfere with the system stability, so that the influence of the payment request on the clearing account needs to be dynamically evaluated, and the authorization evaluation of the current payment request is obtained by combining the processing efficiency of the system on the basis of ensuring the stability of the system to carry out automatic authorization judgment.
Disclosure of Invention
The invention provides a payment authorization method, a system and a storage medium for a fund position management system, which are used for solving the problems that the existing automatic authorization of a payment request according to the amount of money does not consider the system stability and the dynamic change of the bearable capacity of a clearing account, and the adopted technical scheme is as follows:
The invention provides a payment authorization method oriented to a fund position management system, which comprises the following steps:
Acquiring a plurality of payment requests of each account and processing records thereof, wherein the processing records comprise sending time, approval times, request quantity and processing time consumption;
Determining concurrency coefficients of each period based on the difference condition of the payment requests received and authorized in the same period on different days, obtaining influence evaluation of each account according to the processing time consumption and the approval times of each payment request of the same account and the concurrency coefficients of the corresponding period;
Analyzing the influence of the basic influence scale and the approval number of each payment request on a subsequent period, and acquiring the authorization evaluation of each payment request in the current period by combining the delay allowance of the current period;
And carrying out automatic authorization based on the authorization evaluation of the payment request, and realizing the payment authorization facing the fund position management system.
Optionally, the concurrency coefficient of each period is specifically obtained by:
for any same time period in different days, based on a difference value obtained by subtracting the authorized payment request quantity from the received payment request quantity in the time period in each day, quantifying the system busyness of the time period in each day;
and (3) averaging the busyness of the system in the period of all days, wherein the obtained result is used as the concurrence coefficient of the period.
Optionally, the method for obtaining the impact evaluation of each account includes the following specific steps:
for any payment request of any account, taking the product of the time consumption of processing the payment request and the number of times of approval as an important factor of influence of the payment request;
And obtaining the weight of the payment request according to the difference value obtained by subtracting the concurrence coefficient of the corresponding period of the payment request from 1, and carrying out weighted summation on the influence importance factors of each payment request of the account to obtain the influence evaluation of the account.
Optionally, the grading of all accounts according to the impact evaluation includes the following specific methods:
Clustering all accounts according to the influence evaluation, and obtaining a plurality of clusters by using the absolute value of the difference value between the influence evaluation of each account as the distance measurement;
Calculating the average influence evaluation value of all accounts in any type of cluster, and taking the average influence evaluation value as the average influence evaluation of the type of cluster;
and sequencing all the class clusters from low to high according to the influence evaluation, and taking the serial numbers of the class clusters as the influence level of each account in the corresponding class cluster.
Optionally, the obtaining the basic influence scale of each payment request includes the following specific methods:
taking the ratio of the request quantity of any payment request of any account to the bearable quantity of the period of time when the request quantity is transmitted as the initial load ratio of the payment request;
and adjusting the scale base by combining the influence level of the account to obtain the basic influence scale of the payment request.
Optionally, the analyzing the influence of the basic influence scale and the approval number of each payment request on the current period, and combining the time difference between the sending time of each payment request and the current period, determining the delay allowance of the current period includes the following specific methods:
analyzing the basic influence scale of the stay payment request and the influence of the approval times on the current time period to obtain delay components of each stay payment request on the current time period;
delay margin for current period The calculation method of (1) is as follows:
Wherein, the Representing the number of hold-up payment requests for the current period,The first time periodThe stripes retain the delay component of the payment request,The first time periodThe number of time periods of the interval between the time period of the sending time of the strip retention payment request and the current time period; Is a linear rectification function; representing a sigmoid function.
Optionally, the obtaining delay components of each hold-up payment request to the current period includes the following specific methods:
For any one stay payment request, obtaining the ratio of the request quantity of the stay payment request to the bearable quantity of the current period, recording the ratio as the current load ratio of the stay payment request, and obtaining the number of times the stay payment request has been approved before stopping the first moment of the current period as the number of approved batches of the stay payment request in the current period;
First, the Delay component of a hold-up payment request for a current periodThe calculation method of (1) is as follows:
Wherein, the Represent the firstThe bar retains the basic impact dimensions of the payment request,Indicating a preset load threshold value, the load threshold value,Represent the firstThe bar retains the current load ratio of the payment request,Represent the firstThe strip-hold payment request expires for the number of times that has been approved before the first moment in the current period,Is a super parameter.
Optionally, the authorization evaluation of each payment request in the current period is specifically obtained by the following steps:
for any one of the stay payment requests in the current period, if the delay component of the stay payment request is greater than or equal to 0, setting the authorization evaluation of the stay payment request to 1;
For any new payment request in the current period, acquiring the basic influence scale of the new payment request, and recording the number of times that the new payment request has been approved as the number of approved batches of the new payment request after the authorization evaluation judgment is completed by the retention payment request;
authorization evaluation of the newly added payment request The calculation method of (1) is as follows:
Wherein, the Representing the basic impact scale of the new payment request,Indicating the number of inspected batches for the newly added payment request,Indicating the delay margin for the current period of time,An exponential function based on a natural constant is represented.
The invention also provides a payment authorization system facing the fund position management system, which comprises:
The payment request acquisition module is used for acquiring a plurality of payment requests of each account and processing records thereof, and recording the bearable capacity of each period;
The payment request processing module is used for determining the concurrency coefficient of each period based on the difference condition of the payment requests received and authorized in the same period on different days, obtaining the influence evaluation of each account according to the processing time consumption and the approval times of each payment request of the same account and the concurrency coefficient of the corresponding period;
Analyzing the influence of the basic influence scale and the approval number of each payment request on a subsequent period, and acquiring the authorization evaluation of each payment request in the current period by combining the delay allowance of the current period;
And the payment authorization judging module is used for automatically authorizing based on the authorization evaluation of the payment request to realize the payment authorization facing the fund position management system.
The invention also provides a payment authorization storage medium oriented to the fund position management system, which comprises a memory, a processor and a computer program stored in the memory and running on the processor, wherein the processor realizes the steps of the method when executing the computer program.
The invention has the advantages that the invention analyzes the processing procedures of a plurality of payment requests of each account, quantifies the characteristics of the payment requests of each account to obtain the influence level, quantifies the basic influence scale of the payment requests by combining the influence level with the influence of the payment requests on the system stability and the subsequent clearing accounts, quantifies the busyness of the system by the difference of the quantity of the received and authorized payment requests of each time interval, obtains the concurrency coefficient and takes the concurrency coefficient as weight, adjusts the time-consuming processing referenceness of each payment request under the same account, quantifies the influence level of each account by combining the approval number, reflects the high-frequency large-amount request characteristics of the payment requests, quantifies the influence of the payment requests on the clearing accounts of each account by combining the approval number, obtains the basic influence scale to reflect the delay influence of the payment requests on the clearing accounts, obtains the basic influence scale to reflect the delay influence of the payment requests, obtains the relation between the basic influence scale of the payment requests and the request quantity and the acceptable quantity of the current time interval, judges the authorization or retention of the payment requests in the current time interval, adjusts the time interval time-consuming processing time-consuming, analyzes the delay of the payment requests of the current time interval and the delay of the subsequent clearing accounts by combining the delay request, and obtains the delay of the payment requests of the delay of the subsequent account to obtain the delay of the payment request and the delay, meanwhile, the system stability and the normal authorization judgment of the subsequent clearing account are ensured, so that the automatic authorization of the payment request of the fund position management system is realized, and the system stability and the flexibility and the high efficiency of the authorization process are ensured.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions of the prior art, the drawings which are used in the description of the embodiments or the prior art will be briefly described, it being obvious that the drawings in the description below are only some embodiments of the invention, and that other drawings can be obtained according to these drawings without inventive faculty for a person skilled in the art.
FIG. 1 is a schematic flow chart of a payment authorization method for a funds position management system according to an embodiment of the invention;
FIG. 2 is a schematic diagram of the overall processing flow of a payment request;
FIG. 3 is a schematic diagram of the status of a payment request during a time period;
FIG. 4 is a schematic diagram of an authorization process for a payment request;
fig. 5 is a block diagram of a payment authorization system for a funds position management system according to another embodiment of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. 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.
Referring to fig. 1, a flowchart of a payment authorization method for a funds position management system according to an embodiment of the invention is shown, the method includes the following steps:
Step S001, a plurality of payment requests of each account and processing records thereof are obtained, and the bearable amount of each period is recorded.
The objective of this embodiment is to dynamically evaluate the influence degree of the current payment request on the clearing account, and automatically authorize the current payment request based on the influence degree, so that it is first required to acquire a plurality of payment requests and processing records thereof in the background of the fund position management system, and at the same time, divide each day to reflect similar running states of the same time period in the fund position management system on different days.
The method comprises the steps of obtaining a plurality of payment requests from a fund position management system background, obtaining a plurality of payment requests of each account when each payment request originates from one account, obtaining processing records of each payment request in the system background, wherein the sending time of the payment request, the approval times, the request amount and the processing time consumption are included, the sending time is the time when the payment request is initiated, the initial value of the approval times is 1, the approval times are increased by 1 when the system performs one approval on each payment request, authorization is completed after part of the payment requests are subjected to multiple approval, the payment amount of the payment requests is recorded as the request amount of the payment requests in the embodiment, the processing time consumption is the time spent from the time when the payment requests are initiated to the time when the payment requests are successfully authorized, and obtaining the processing records of each payment request.
Further, each day is uniformly divided into a plurality of time periods, and the time length of each time period in this embodiment is described by taking 15 minutes as an example, so that a plurality of time periods are obtained, and the balance of the account is cleared at the first moment in each time period as the bearable capacity of the corresponding time period.
It should be noted that, as shown in fig. 2, the overall processing flow of the payment request is shown, after the payment request is sent, the payment request is managed and controlled first, the to-be-authorized flow is entered based on the determination result, and automatic authorization determination and whether manual review is needed later or not are performed, and the payment result is returned, and the purpose of automatic authorization is to improve the processing efficiency of the management system, meanwhile, in the process of improving the processing efficiency, the processing efficiency needs to ensure that the payment request is authorized without causing excessive influence on the system stability, and then the degree of influence possibly caused by the payment request on the system needs to be analyzed, so that on the basis of ensuring the system stability, the automatic authorization determination is performed in combination with the authorization evaluation of the payment request.
Step S002, based on the difference condition of the payment requests received and authorized in the same time period on different days, determining the concurrency coefficient of each time period, obtaining the influence evaluation of each account according to the processing time consumption and the approval times of each payment request of the same account and combining the concurrency coefficient of the corresponding time period, grading all accounts according to the influence evaluation, and obtaining the basic influence scale of each payment request by combining the request quantity of each payment request of each account and the supportable quantity of the corresponding time period.
It should be noted that, firstly, the processing efficiency of each period for the payment request needs to be determined, so as to reflect the system busyness of each period, the closer the received payment request quantity is to the authorized payment request quantity, the better the corresponding period can normally process the authorization determination of the payment request, the less possibility that the system busyness occurs in the corresponding period, and the smaller the concurrency coefficient, otherwise, the larger the difference of the received quantity compared with the authorization quantity is, the more the payment requests cannot be processed and determined in the corresponding period, the larger the possibility that the system busyness is, and the larger the corresponding concurrency coefficient is.
Preferably, in one embodiment of the present invention, based on the difference between the received and authorized payment requests in the same time period on different days, the concurrency coefficient of each time period is determined, including the following specific methods:
And for any same time period in different days, quantifying the system busyness of the time period in each day based on the difference value obtained by subtracting the authorized payment request quantity from the received payment request quantity in the time period in each day, and averaging the system busyness of the time period in all days to obtain a result as a concurrency coefficient of the time period.
As an example, the firstConcurrency coefficient of each periodThe calculation method of (1) is as follows:
Wherein, the Representing the total number of days involved in processing records of payment requests in the funds position management system,Represent the firstDay 3The number of payment requests received for each period,Represent the firstDay 3Number of payment requests authorized for each period.
It should be further noted that, in the process of authorizing and judging the payment request, it is necessary to specifically analyze the influence degree of the payment request on clearing account and system efficiency, intercept the payment request with larger amount of request or higher importance degree, and authorize the payment request through manual review, where the importance degree is reflected in the processing time and the number of approvals of the payment request, the longer the processing time and the larger the number of approvals, the more complex the case that the corresponding payment request may need to be authorized through multiple approvals, and there is a larger influence on the system stability and clearing amount, and the subsequent manual review needs to be intercepted.
Preferably, in one embodiment of the present invention, according to the time consumption and approval times of processing each payment request of the same account, and combining the concurrency coefficient of the corresponding time period, the impact evaluation of each account is obtained, including the following specific methods:
And obtaining the weight of the payment request according to the difference value obtained by subtracting the concurrency coefficient of the corresponding time period of the payment request from 1, and carrying out weighted summation on the influence importance factors of each payment request of the account to obtain the influence evaluation of the account.
As an example, the firstImpact assessment of individual accountsThe calculation method of (1) is as follows:
Wherein, the Represent the firstThe total number of payment request processing records, namely the number of payment requests, is downloaded from each account; Represent the first Under the third accountThe concurrency coefficient of the corresponding period of the strip payment request,Represent the firstUnder the third accountThe processing of the bar payment request is time consuming,Show the firstUnder the third accountThe number of approvals of the strip payment request,Represent the firstUnder the third accountThe impact of the strip payment request is an important factor,Representing a weight normalization function, and normalizing the object to be the firstAll payment requests under a single account。
It is to be noted that the product of the processing time consumption and the approval times reflects the importance degree of the payment request, the longer the processing time consumption and the more the approval times are, the more likely the corresponding payment request needs to be manually reviewed, the larger the influence of the corresponding payment request needs to be made, the system stability is avoided, meanwhile, the increase of the processing time consumption caused by the busy system is avoided, the reference of influencing the importance factor needs to be reduced by taking the inverse proportion value of the concurrency coefficient as the weight, the larger the concurrency coefficient is, the more the processing time consumption of the payment request under the corresponding time period may be influenced by the busy system, the smaller the referenceis, the corresponding weight is also smaller, and the influence evaluation of the account is obtained by the weighted sum.
It should be further noted that, the account is classified based on the impact evaluation, and a plurality of impact levels are obtained through the cluster analysis between the impact evaluations, the higher the impact level of the account is, the larger the account is likely to be a high-frequency large-payment account, and the larger the supportable amount of the payment request is, namely the request amount, the larger the supportable amount ratio of the corresponding period is, the larger the impact of the corresponding payment request on the clearing account of the subsequent system is, and the processing capacity of the clearing account on the large-amount payment request is reduced in a subsequent longer period.
Preferably, in one embodiment of the present invention, all accounts are classified according to impact evaluation, and a basic impact scale of each payment request is obtained by combining a request amount of each payment request of each account and a bearable amount of a corresponding period, including the following specific methods:
The method comprises the steps of carrying out AP clustering on all accounts according to influence evaluation, obtaining a plurality of clusters by distance measurement through the absolute value of the difference value between the influence evaluation of each account, calculating the influence evaluation mean value of all accounts in any cluster as the average influence evaluation of the clusters, sequencing all clusters according to the influence evaluation from low to high, and taking the serial numbers of all clusters as the influence level of each account in the corresponding cluster.
Further, the ratio of the request quantity of any payment request of any account to the bearable capacity of the period of the sending moment is used as the initial load ratio of the payment request, and the scale base is adjusted by combining the influence level of the account to obtain the basic influence scale of the payment request.
As an example, the firstThe first accountBasic impact scale for a strip payment requestThe calculation method of (1) is as follows:
Wherein, the Represent the firstThe level of influence of the individual accounts,Represent the firstThe first accountThe initial load ratio of the strip payment request,Representing a preset scale base, the present embodiment employsDescription is made; Representing a linear normalization function, normalizing the object to each payment requirement for each account ;Representing a downward rounding function.
The method is characterized in that the larger the influence level is, the larger the initial load ratio of the payment request is, the larger the influence of the payment request on the subsequent clearing account is, and the basic influence scale is obtained by combining the scale base for the authorization priority allocation of the payment request in the authorization evaluation quantization process of each subsequent period.
The method comprises the steps of quantifying the busyness of a system through the receiving of each period and the difference of the authorized payment request quantity, obtaining a concurrency coefficient, taking the concurrency coefficient as a weight, adjusting the time consuming process referenceability of each payment request under the same account, quantifying the influence level of each account by combining the approval times, reflecting the high-frequency large-amount request characteristics of the payment requests, quantifying the influence of the payment requests on the clearing account in the subsequent period, and obtaining a basic influence scale for reflecting the delay influence of each payment request on the clearing account.
Step S003, analyzing the influence of the basic influence scale and the approval times of each payment request on the current period, determining the delay allowance of the current period by combining the time difference between the sending time of each payment request and the current period, analyzing the influence of the basic influence scale and the approval times of each payment request on the subsequent period by the current period, and acquiring the authorization evaluation of each payment request of the current period by combining the delay allowance of the current period.
It should be noted that, the retention of unauthorized payment requests in the management system may cause system congestion, for several payment requests received in the current period, if there are more retention payment requests in the current period, the priority of the newly added payment request needs to be reduced, and the payment request backlogged before being processed is prioritized, as shown in fig. 3, which shows the status composition of the payment requests in the period, including the number of retention payment requests, the number of newly added payment requests and the number of authorized payment requests, while the retention payment requests also changes with the change of the period, the load ratio, that is, the relation between the request amount and the bearable amount in the current period, the greater the load ratio has a greater influence on the stability of the system, the corresponding payment requests still need to remain, which does not affect the authorization priority of the newly added payment requests in the current period, and for the retention payment requests that have been examined multiple times and have a smaller load, the authorization delay in the current period is caused, so as to quantify the delay component of each payment request in the current period.
Preferably, in one embodiment of the present invention, the influence of the basic influence scale and the approval number of each payment request on the current period is analyzed, and the delay margin of the current period is determined by combining the time difference between the sending time of each payment request and the current period, including the following specific methods:
For any one of the hold-up payment requests, the ratio of the request amount of the hold-up payment request to the bearable amount of the current period is recorded as the current load ratio of the hold-up payment request, and the number of times the hold-up payment request has been approved before the first moment of the hold-up payment request in the current period is obtained as the number of approved batches of the hold-up payment request in the current period Delay component of a hold-up payment request for a current periodThe calculation method of (1) is as follows:
Wherein, the Represent the firstThe bar retains the basic impact dimensions of the payment request,Representing a preset load threshold, the present embodiment employsDescription is made; Represent the first The bar retains the current load ratio of the payment request,Represent the firstThe number of times the strip-hold payment request has been approved before the first moment in the current period; To avoid super parameters with denominator 0, this embodiment uses Examples are described.
The method is characterized in that the larger the basic influence scale is, the larger the current load ratio is and the larger the influence of the detention payment request on the system stability of the current period is and the influence of the detention payment request after processing is exceeded, the more the system stability and the influence of the detention payment request after processing are combined, the more the system stability and the influence of the detention account after authorization are avoided, the larger influence of the delay component on the system stability and the influence of the detention account after authorization on the newly added payment request are avoided, and otherwise, the smaller the basic influence scale is and the smaller the current load ratio is, the influence of the detention payment request with priority on the system stability is emphasized.
It should be further noted that, the delay components of the payment requests with the basic influencing scale covering the current period, that is, the delay components of the payment requests still retained in the current period, are obtained, and the delay effect of the retained, that is, the payment requests still not authorized, on the current period is comprehensively obtained, so as to obtain the delay margin of the current period.
Specifically, the delay margin of the current periodThe calculation method of (1) is as follows:
Wherein, the Representing the number of hold-up payment requests for the current period,The first time periodThe stripes retain the delay component of the payment request,The first time periodThe number of time periods of the interval between the time period of the sending time of the strip retention payment request and the current time period; the linear rectification function is used for outputting the input negative number to be 0 and guaranteeing the non-negativity of the output result; Representing the sigmoid function, this embodiment is used for normalization processing.
It should be noted that, the delay margin is obtained by integrating the delay component, and the fact that the delay component is negative indicates that the authorization of the corresponding hold-up payment request has a larger influence on the system stability and the clearing account, so that the delay margin does not need to calculate the corresponding hold-up payment request without considering the processing of the delay component.
Preferably, in one embodiment of the present invention, the influence of the basic influence scale and the approval number of each payment request in the current period on the subsequent period is analyzed, and the authorization evaluation of each payment request in the current period is obtained by combining the delay margin of the current period, including the specific methods as follows:
It should be noted that, for automatic authorization of each payment request in the current period, the detained payment request gives authorization evaluation according to its delay component, while for the newly added payment request, it is necessary to acquire a basic influence scale and combine the number of times already approved to perform authorization evaluation quantification, the larger the basic influence scale and the smaller the number of times already approved, the larger the corresponding newly added payment request has a subsequent influence on system stability and clearing account, the automatic authorization thereof should be intercepted to perform subsequent manual review, and then the authorization evaluation of the newly added payment request is quantified.
Specifically, for any one stay payment request in the current period, if the delay component of the stay payment request is greater than or equal to 0, the authorization evaluation of the stay payment request is set to 1, and if the delay component of the stay payment request is less than 0, the authorization evaluation of the stay payment request is set to 0.
Further, for any new payment request in the current period, after the basic influence scale of the new payment request is obtained and the authorization evaluation judgment is completed for the remaining payment request, the number of times that the new payment request has been approved is recorded as the number of approved batches of the new payment request, and then the authorization evaluation of the new payment request is performedThe calculation method of (1) is as follows:
Wherein, the Representing the basic impact scale of the new payment request,Indicating the number of inspected batches for the newly added payment request,Indicating the delay margin for the current period of time,Representing an exponential function based on a natural constant, the present embodiment employsThe model presents the inverse proportional relationship and the normalization process,For model input, the implementer can set an inverse proportion function and a normalization function according to actual conditions.
The method is characterized in that the smaller the delay allowance is, the stronger the processing capacity of the current period for the newly added payment request is, the larger the corresponding authorization evaluation can be, and the larger the basic influence scale of the newly added payment request is and the smaller the number of the checked batches is, the larger the subsequent influence of the basic influence scale on the system stability and the clearing account is, the more likely the subsequent manual review is needed, and the smaller the corresponding authorization evaluation is.
The method comprises the steps of obtaining a retention payment request and a newly added payment request in a current period, analyzing the relation between the basic influence scale and the request quantity of the retention payment request and the bearable capacity of the current period, judging the authorization or interception of the retention payment request in the current period, avoiding the influence on the system stability of a current period and a subsequent clearing account, obtaining the delay allowance of the current period, adjusting the authorization priority of the newly added payment request, analyzing the influence of the newly added payment request on the system stability and the subsequent clearing account, and finally obtaining the authorization evaluation of each retention payment request and the newly added payment request in the current period.
And step S004, performing automatic authorization based on the authorization evaluation of the payment request, and realizing the payment authorization facing the fund position management system.
Specifically, an automatic authorization threshold is preset, in this embodiment, the automatic authorization threshold is described by 0.75, if the authorization evaluation of any payment request in the current period is greater than the automatic authorization threshold, the payment request is automatically authorized, and if the authorization evaluation of the payment request is less than or equal to the automatic authorization threshold, the payment request is intercepted and waiting for manual review authorization.
Further, when the fund position management system operates according to the processing procedure, the automatic authorization step of the payment request comprises the following steps:
1) The account sends a payment request, and the system carries out management and control judgment;
2) The payment request is controlled to fall to the ground and enters a process to be authorized;
3) Updating delay allowance of the current period in real time;
4) Acquiring the authorization evaluation of the current payment request;
5) Performing automatic authorization judgment according to the authorization evaluation of the payment request, and otherwise, entering a manual review process;
As shown in fig. 4, which shows an authorization flow diagram of a payment request, the payment request a is directly determined by automatic authorization, the payment request B is manually re-authorized after not passing through automatic authorization, and the payment request C is authorized after not passing through automatic authorization and manually re-authorized and determined by automatic authorization, so as to realize the payment request authorization process of the fund position management system.
The method comprises the steps of analyzing the processing procedures of a plurality of payment requests of each account, quantifying the payment request characteristics of each account to obtain an influence level, quantifying the basic influence scale of the payment requests by combining the influence level with the influence of the payment requests on the system stability and the subsequent clearing accounts, comprehensively obtaining the delay allowance of each subsequent period and adjusting the authorization priority of the newly added payment requests, so as to ensure that the delay allowance of each period does not exist too much, ensure the system stability and the normal authorization judgment of the subsequent clearing accounts, and realize the automatic authorization of the payment requests of the fund position management system, and ensure the flexibility and the high efficiency of the system stability and the authorization process.
Referring to fig. 5, a block diagram of a payment authorization system for a funds position management system according to another embodiment of the invention is shown, the system comprising:
The payment request acquisition module 101 acquires a plurality of payment requests of each account and processing records thereof, and records the bearable capacity of each period;
The payment request processing module 102 is used for determining the concurrency coefficient of each period based on the difference condition of the received and authorized payment requests in the same period on different days, obtaining the influence evaluation of each account according to the processing time consumption and the approval times of each payment request of the same account and the concurrency coefficient of the corresponding period;
Analyzing the influence of the basic influence scale and the approval number of each payment request on a subsequent period, and acquiring the authorization evaluation of each payment request in the current period by combining the delay allowance of the current period;
and the payment authorization judging module 103 performs automatic authorization based on the authorization evaluation of the payment request to realize the payment authorization facing the fund position management system.
Yet another embodiment of the present invention provides a payment authorization storage medium for a funds position management system, including a memory, a processor, and a computer program stored in the memory and running on the processor, which when executed by the processor, implements the above method steps S001 to S004.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the invention, but any modifications, equivalent substitutions, improvements, etc. within the principles of the present invention should be included in the scope of the present invention.

Claims (10)

1.面向资金头寸管理系统的支付授权方法，其特征在于，该方法包括以下步骤：1. A payment authorization method for a cash position management system, characterized in that the method includes the following steps: 获取各账户的若干支付请求及其处理记录，所述处理记录包括发送时刻、审批次数、请求量及处理耗时；并记录各时段的可承载量；Acquire several payment requests and their processing records for each account, the processing records including the sending time, number of approvals, number of requests, and processing time; and record the capacity for each time period; 基于不同天相同时段下接收与授权的支付请求差异情况，确定各时段的并发系数；依据同一账户各支付请求的处理耗时及审批次数，结合对应时段的并发系数，得到各账户的影响评价；对所有账户依据影响评价进行分级，结合各账户各支付请求的请求量及对应时段的可承载量，得到各条支付请求的基本影响尺度；Based on the differences in the number of payment requests received and authorized at the same time on different days, the concurrency coefficient for each time period is determined; based on the processing time and number of approvals for each payment request of the same account, combined with the concurrency coefficient of the corresponding time period, the impact assessment of each account is obtained; all accounts are classified according to the impact assessment, and the basic impact scale of each payment request is obtained by combining the request volume of each payment request of each account and the capacity of the corresponding time period. 分析各条支付请求的基本影响尺度及审批次数对当前时段的影响，结合各条支付请求的发送时刻与当前时段的时间差异，确定当前时段的延迟余量；分析当前时段下各条支付请求的基本影响尺度及审批次数对后续时段的影响，结合当前时段的延迟余量，获取当前时段各条支付请求的授权评价；Analyze the impact of the basic impact scale and approval frequency of each payment request on the current time period, and determine the delay margin for the current time period by combining the time difference between the sending time of each payment request and the current time period; analyze the impact of the basic impact scale and approval frequency of each payment request in the current time period on subsequent time periods, and obtain the authorization evaluation of each payment request in the current time period by combining the delay margin for the current time period. 基于支付请求的授权评价进行自动授权，实现面向资金头寸管理系统的支付授权。Automatic authorization is performed based on the authorization evaluation of payment requests, enabling payment authorization for the cash position management system. 2.根据权利要求1所述的面向资金头寸管理系统的支付授权方法，其特征在于，所述各时段的并发系数，具体的获取方法为：2. The payment authorization method for a cash position management system according to claim 1, characterized in that the concurrency coefficient for each time period is specifically obtained as follows: 对于不同天内任一相同时段，基于各天内该时段下接收的支付请求数量减去授权的支付请求数量得到的差值，量化各天内该时段的系统繁忙程度；For any identical time period within different days, the system busyness within that time period is quantified by the difference between the number of payment requests received and the number of authorized payment requests within that time period on each day. 对所有天该时段的系统繁忙程度求均值，得到的结果作为该时段的并发系数。The average system busy level for that time period across all days is used as the concurrency coefficient for that time period. 3.根据权利要求1所述的面向资金头寸管理系统的支付授权方法，其特征在于，所述得到各账户的影响评价，包括的具体方法为：3. The payment authorization method for a cash position management system according to claim 1, characterized in that the specific method for obtaining the impact evaluation of each account is as follows: 对于任意一个账户的任意一条支付请求，将该支付请求的处理耗时及审批次数的乘积，作为该支付请求的影响重要因子；For any payment request from any account, the product of the processing time and the number of approvals for that payment request is taken as the important factor affecting the payment request. 依据1减去该支付请求对应时段的并发系数得到的差值获取该支付请求的权重，对该账户各条支付请求的影响重要因子加权求和，得到该账户的影响评价。The weight of the payment request is obtained by subtracting the concurrency coefficient of the corresponding time period from 1. The weighted sum of the important factors affecting each payment request of the account is then used to obtain the impact evaluation of the account. 4.根据权利要求1所述的面向资金头寸管理系统的支付授权方法，其特征在于，所述对所有账户依据影响评价进行分级，包括的具体方法为：4. The payment authorization method for a cash position management system according to claim 1, characterized in that the specific method for classifying all accounts based on impact assessment includes: 对所有账户依据其影响评价进行聚类，距离度量采用各账户的影响评价之间的差值绝对值，得到若干类簇；All accounts are clustered based on their impact assessments, with the distance metric being the absolute value of the difference between the impact assessments of each account, resulting in several clusters. 计算任一类簇中所有账户的影响评价均值，作为该类簇的平均影响评价；Calculate the average impact assessment of all accounts in any cluster, and use it as the average impact assessment of that cluster. 对所有类簇按照影响评价从低到高排序，将各类簇的序号作为对应类簇内各账户的影响级别。All clusters are sorted from low to high according to their impact assessment, and the index of each cluster is used as the impact level of each account within the corresponding cluster. 5.根据权利要求1所述的面向资金头寸管理系统的支付授权方法，其特征在于，所述得到各条支付请求的基本影响尺度，包括的具体方法为：5. The payment authorization method for a cash position management system according to claim 1, characterized in that the specific method for obtaining the basic impact scale of each payment request includes: 将任一账户的任一支付请求的请求量，与其发送时刻所在时段的可承载量的比值，作为该支付请求的起始负载比；The ratio of the request volume of any payment request from any account to the capacity of the time period in which it is sent is used as the initial load ratio of that payment request. 结合该账户的影响级别，对尺度基数进行调整，得到该支付请求的基本影响尺度。Based on the influence level of the account, the scale base is adjusted to obtain the basic influence scale of the payment request. 6.根据权利要求1所述的面向资金头寸管理系统的支付授权方法，其特征在于，所述分析各条支付请求的基本影响尺度及审批次数对当前时段的影响，结合各条支付请求的发送时刻与当前时段的时间差异，确定当前时段的延迟余量，包括的具体方法为：6. The payment authorization method for a cash position management system according to claim 1, characterized in that the specific method for analyzing the impact of the basic impact scale and approval frequency of each payment request on the current time period, and determining the delay margin for the current time period by combining the time difference between the sending time of each payment request and the current time period, includes: 获取在当前时段仍滞留的支付请求，记为当前时段的滞留支付请求；分析滞留支付请求的基本影响尺度及审批次数对当前时段的影响，得到各条滞留支付请求对当前时段的延迟分量；Obtain payment requests that are still pending in the current time period and record them as pending payment requests in the current time period; analyze the impact of the basic impact scale and the number of approvals of pending payment requests on the current time period to obtain the delay component of each pending payment request on the current time period; 当前时段的延迟余量的计算方法为：Delay margin for the current period The calculation method is as follows: 其中，表示当前时段的滞留支付请求的数量，表示当前时段的第条滞留支付请求的延迟分量，表示当前时段的第条滞留支付请求的发送时刻所在时段与当前时段之间间隔的时段数量；为线性整流函数；表示sigmoid函数。in, This indicates the number of pending payment requests in the current time period. Indicates the number of the current time period The delayed component of a pending payment request. Indicates the number of the current time period The number of time intervals between the time period in which the delayed payment request was sent and the current time period; It is a linear rectified function; This represents the sigmoid function. 7.根据权利要求6所述的面向资金头寸管理系统的支付授权方法，其特征在于，所述得到各条滞留支付请求对当前时段的延迟分量，包括的具体方法为：7. The payment authorization method for a cash position management system according to claim 6, characterized in that the specific method for obtaining the delay component of each delayed payment request for the current time period includes: 对于任一滞留支付请求，获取该滞留支付请求的请求量与当前时段的可承载量的比值，记为该滞留支付请求的当前负载比，并获取该滞留支付请求截止当前时段第一个时刻之前已经审批的次数，作为该滞留支付请求在当前时段的已审批次数；For any delayed payment request, obtain the ratio of the number of delayed payment requests to the capacity of the current time period, which is recorded as the current load ratio of the delayed payment request, and obtain the number of times the delayed payment request has been approved up to the first moment of the current time period, which is recorded as the number of times the delayed payment request has been approved in the current time period. 第条滞留支付请求对当前时段的延迟分量的计算方法为：No. Delayed payment request for the current period of the delay component The calculation method is as follows: 其中，表示第条滞留支付请求的基本影响尺度，表示预设的负载阈值，表示第条滞留支付请求的当前负载比，表示第条滞留支付请求截止当前时段第一个时刻之前已经审批的次数，为超参数。in, Indicates the first The basic impact criteria for delayed payment requests This indicates the preset load threshold. Indicates the first The current load ratio of pending payment requests. Indicates the first The number of delayed payment requests that have been approved up to the first moment of the current time period. This is a hyperparameter. 8.根据权利要求7所述的面向资金头寸管理系统的支付授权方法，其特征在于，所述当前时段各条支付请求的授权评价，具体的获取方法为：8. The payment authorization method for a cash position management system according to claim 7, characterized in that the authorization evaluation of each payment request in the current time period is specifically obtained by: 对于当前时段任意一条滞留支付请求，若该滞留支付请求的延迟分量大于或等于0，将该滞留支付请求的授权评价设置为1；若该滞留支付请求的延迟分量小于0，将该滞留支付请求的授权评价设置为0；For any delayed payment request in the current time period, if the delay component of the delayed payment request is greater than or equal to 0, the authorization evaluation of the delayed payment request is set to 1; if the delay component of the delayed payment request is less than 0, the authorization evaluation of the delayed payment request is set to 0. 对于当前时段任意一条新增支付请求，获取该新增支付请求的基本影响尺度，以及滞留支付请求均完成授权评价判定后，该新增支付请求已经审批的次数，记为该新增支付请求的已审批次数；For any new payment request in the current period, obtain the basic impact scale of the new payment request, and the number of times the new payment request has been approved after all pending payment requests have completed the authorization evaluation and judgment. This number is recorded as the number of times the new payment request has been approved. 该条新增支付请求的授权评价的计算方法为：Authorization evaluation for this new payment request The calculation method is as follows: 其中，表示该条新增支付请求的基本影响尺度，表示该条新增支付请求的已审批次数，表示当前时段的延迟余量，表示以自然常数为底的指数函数。in, This indicates the basic scale of impact of the new payment request. This indicates the number of times the new payment request has been approved. This indicates the delay margin for the current time period. This represents an exponential function with the natural constant as its base. 9.面向资金头寸管理系统的支付授权系统，其特征在于，该系统包括：9. A payment authorization system for a cash position management system, characterized in that the system includes: 支付请求获取模块，用于获取各账户的若干支付请求及其处理记录；并记录各时段的可承载量；The payment request acquisition module is used to acquire several payment requests and their processing records from each account; and to record the capacity for each time period. 支付请求处理模块，用于基于不同天相同时段下接收与授权的支付请求差异情况，确定各时段的并发系数；依据同一账户各支付请求的处理耗时及审批次数，结合对应时段的并发系数，得到各账户的影响评价；对所有账户依据影响评价进行分级，结合各账户各支付请求的请求量及对应时段的可承载量，得到各条支付请求的基本影响尺度；The payment request processing module is used to determine the concurrency coefficient for each time period based on the differences in the number of payment requests received and authorized on different days at the same time; based on the processing time and number of approvals for each payment request of the same account, combined with the concurrency coefficient of the corresponding time period, the impact assessment of each account is obtained; all accounts are classified according to the impact assessment, and the basic impact scale of each payment request is obtained by combining the request volume of each payment request of each account and the capacity of the corresponding time period. 分析各条支付请求的基本影响尺度及审批次数对当前时段的影响，结合各条支付请求的发送时刻与当前时段的时间差异，确定当前时段的延迟余量；分析当前时段下各条支付请求的基本影响尺度及审批次数对后续时段的影响，结合当前时段的延迟余量，获取当前时段各条支付请求的授权评价；Analyze the impact of the basic impact scale and approval frequency of each payment request on the current time period, and determine the delay margin for the current time period by combining the time difference between the sending time of each payment request and the current time period; analyze the impact of the basic impact scale and approval frequency of each payment request in the current time period on subsequent time periods, and obtain the authorization evaluation of each payment request in the current time period by combining the delay margin for the current time period. 支付授权判定模块，用于基于支付请求的授权评价进行自动授权，实现面向资金头寸管理系统的支付授权。The payment authorization determination module is used to automatically authorize payments based on the authorization evaluation of payment requests, thereby enabling payment authorization for the cash position management system. 10.面向资金头寸管理系统的支付授权存储介质，包括存储器、处理器以及存储在所述存储器中并在所述处理器上运行的计算机程序，其特征在于，所述处理器执行所述计算机程序时实现如权利要求1-8任意一项所述面向资金头寸管理系统的支付授权方法的步骤。10. A payment authorization storage medium for a cash position management system, comprising a memory, a processor, and a computer program stored in the memory and running on the processor, characterized in that, when the processor executes the computer program, it implements the steps of the payment authorization method for a cash position management system as described in any one of claims 1-8.
CN202511544494.4A 2025-10-28 2025-10-28 Payment authorization methods, systems, and storage media for cash position management systems Pending CN121032508A (en)

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