Three-party data source cost accounting system and method based on different pricing modes

A cost accounting and data source technology, applied in the computer field, can solve problems such as long pricing time and large network transmission consumption, and achieve the effects of monitoring usage, optimizing costs, and facilitating horizontal comparison

Pending Publication Date: 2020-10-30
重庆富民银行股份有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] The present invention provides a three-party data source cost accounting system and method based on different pricing models, which solves the problem that the existing charging method does not apportion the cost to each call according to different pricing models in the allocation of the cost accounting of the three-party data source. Long time, high consumption of network transmission technical problems

Method used

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  • Three-party data source cost accounting system and method based on different pricing modes

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0038] The embodiment of the three-party data source cost accounting system based on different pricing modes of the present invention is basically as attached figure 1 As shown, it includes: scope module, which is used to delineate the scope of cost accounting; identification module, which is used to identify specific costs; allocation module, which is used to allocate specific costs; summary module, which is used to allocate specific costs Summarize and compare.

[0039] The first step is to define the scope of cost accounting.

[0040] The scope module implements the determination scheme and delineates the scope of cost accounting. Specifically, the scope module includes three sub-units: real-time unit, manpower unit and fixed unit. First, the real-time unit calculates real-time costs, such as electricity and network fees; then, the manpower unit calculates the labor costs of development interfaces and billing personnel, such as wages, social security, and housing providen...

Embodiment 2

[0050] The only difference from Example 1 is that other indirect costs, including development interface and labor costs of billing personnel and fixed asset costs of the procurement system, are generally one-time costs and need to be split according to the usage of data sources. Specifically, the apportionment is made according to the interface and product usage, which can be carried out by referring to the existing technology.

Embodiment 3

[0052] The only difference from Embodiment 2 is that it also includes a client for real-time collection of loan-related behavioral data of third-party users, analyzing the behavioral data, and judging whether the user is both willing to repay and capable of repaying Premium customers. In this embodiment, the client is a bank APP, which is provided to the user for free for a period of time, and collects data related to the user's loan behavior in real time during the user's usage period.

[0053] Specifically, read the text messages received by the user every day, and conduct semantic analysis by extracting keywords in the text messages, so as to make a judgment on the user's repayment willingness and repayment ability. For example, the user's bank card text message may contain words such as "balance" and "arrears". At this time, semantic analysis is performed to determine whether the balance of the bank card is less than the arrears, and at the same time count the number of ti...

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Abstract

The invention relates to the technical field of computers, in particular to a three-party data source cost accounting system based on different pricing modes. The system comprises a range module usedfor defining a cost accounting range; an identification module which is used for identifying the specific cost; an apportioning module which is used for apportioning the specific cost, acquiring apportioning parameters corresponding to the apportioning instruction according to the received apportioning instruction, and apportioning the cost in combination with the apportioning parameters; and a summarizing module which is used for summarizing and comparing the shared specific cost expenses. The invention provides a three-party data source cost accounting scheme based on different pricing modes. Each party carries out more accurate cost accounting and can carry out effective transverse comparison; according to the invention, the cost statistical analysis data in different time periods is provided, and the technical problems of long pricing time and high network transmission consumption due to the fact that the cost is not allocated to each schedule according to different pricing modes in the allocation of three-party data source cost accounting in the existing charging mode are solved.

Description

technical field [0001] The invention relates to the field of computer technology, in particular to a three-party data source cost accounting system and method based on different pricing modes. Background technique [0002] Whether it is a bank or a non-bank institution, in the process of developing financial credit product business, it is necessary to continuously exchange and communicate with external resources. External resources, that is, resources not owned by the unit, are collectively referred to as tripartite data sources. The charging basis for the third-party data source is based on the call of the interface. The main charging standards include tiered pricing, fixed price, fixed unit price, or yearly subscription. [0003] For example, document CN110729038A discloses a cost allocation method, device, electronic equipment and computer-readable storage medium, involving the field of data processing. The method includes: when an allocation instruction for any cost is...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 周世铭
Owner 重庆富民银行股份有限公司
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