CN111899111A - Capital matching method, device, server and storage medium - Google Patents

Abstract

The embodiment of the present invention discloses a fund matching method, device, server and storage medium. The server obtains the financing application, verifies the current capital plan corresponding to the financing application based on the specific verification rules sent by the business party, and determines the directional capital plan that meets the business party's profit needs. The problems caused by the rules that cannot meet the needs of the business side, improve the flexibility of fund matching; further receive the priority fund plan list sent by the business side, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list. Targeted funding plans and target priorities determine the results of fund matching, which is conducive to meeting the profit maximization needs of the business side, attracting more business parties to invest, and further helping the user side to obtain a considerable amount of financing.

Description

A fund matching method, device, server and storage medium

technical field

Embodiments of the present invention relate to data processing technologies, and in particular, to a fund matching method, device, server, and storage medium.

Background technique

In the Internet consumer finance industry, capital matching is one of the most important stages of the entire financing process, providing important support services for subsequent review, payment and other links.

The process of matching funds is complex and changeable. With the continuous growth of business volume, different business parties have various needs for matching funds. In the prior art, the fixed fund matching scheme is used to find assets and funds for matching, which is far from meeting the diversified needs of business parties, and the flexibility and intelligence of fund matching are poor.

SUMMARY OF THE INVENTION

The embodiments of the present invention provide a fund matching method, device, server and storage medium, so as to realize personalized fund matching for different needs of business parties, which is beneficial to maximize the profits of business parties.

In a first aspect, an embodiment of the present invention provides a method for matching funds, applied to a server, including:

Obtaining a financing application, verifying the current funding plan corresponding to the financing application based on the specific verification rules sent by the business party, and obtaining a directional funding plan that passes the specific verification rules;

Receive the priority fund plan list sent by the business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list;

Determine the fund matching result according to the targeted fund plan and the target priority.

In a second aspect, an embodiment of the present invention also provides a fund matching device, including:

A directional capital plan determination module, used for obtaining a financing application, and verifying the current capital plan corresponding to the financing application based on a specific verification rule sent by the business party, to obtain a directional capital plan that has passed the specific verification rule;

A target priority determination module, configured to receive the priority fund plan list sent by the business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list;

The fund matching result determination module is used for determining the fund matching result according to the targeted fund plan and the target priority.

In a third aspect, an embodiment of the present invention further provides a server, including a memory, a processor, and a computer program stored in the memory and running on the processor, where the processor implements the first method when executing the computer program. The fund matching method according to any one of the aspects.

In a fourth aspect, an embodiment of the present invention further provides a storage medium containing computer-executable instructions, the computer-executable instructions, when executed by a computer processor, implement the method for matching funds according to any one of the first aspects .

In the technical solution provided by this embodiment, the server obtains the financing application, verifies the current capital plan corresponding to the financing application based on the specific verification rules sent by the business party, and determines the directional capital plan that meets the profit demand of the business party, which can solve the problem of the prior art. Due to the use of a set of matching rules, the server in the server cannot meet the needs of the business side, which improves the flexibility of fund matching; further receives the priority fund plan list sent by the business side, and determines the orientation according to the business priority in the priority fund plan list. The target priority of the capital plan, according to the targeted capital plan and target priority, determines the result of the matching of funds, which is conducive to meeting the profit maximization needs of the business side, and can attract more business parties to invest, which is further beneficial for the user side to obtain a considerable amount of financing.

Description of drawings

1 is a schematic flowchart of a method for matching funds according to Embodiment 1 of the present invention;

2 is a schematic flowchart of a method for matching funds according to Embodiment 2 of the present invention;

3 is a schematic flowchart of a method for matching funds according to Embodiment 3 of the present invention;

FIG. 4 is a logical schematic diagram of a fund matching process according to Embodiment 3 of the present invention;

5 is a schematic structural diagram of a fund matching device according to Embodiment 4 of the present invention;

FIG. 6 is a schematic structural diagram of a server according to Embodiment 5 of the present invention.

Detailed ways

The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention. In addition, it should be noted that, for the convenience of description, the drawings only show some but not all structures related to the present invention.

Example 1

FIG. 1 is a schematic flowchart of a method for matching funds according to the first embodiment of the present invention. This embodiment is applicable to determining the targeted funding plan and target priority according to specific verification rules and priority funding lists sent by the business party, and The funding plan and target priorities determine the outcome of the funding match, the method may be performed by a funding matching device, wherein the device may be implemented in software and/or hardware, and is typically integrated in a server. Specifically, as shown in FIG. 1, the method may include the following steps:

S110: Acquire a financing application, and verify the current capital plan corresponding to the financing application based on a specific verification rule sent by the business party, to obtain a directional capital plan that passes the specific verification rule.

Among them, the financing application is the financing request order sent by the user to the server (such as the financing service platform). After the server receives the financing request order, the server executes the process of extracting order information, determining financing items, matching funds, reviewing matching results, and performing payment operations. . The fund matching can be understood as an economic business, with the purpose of financing, by connecting the demander and the supplier of its funds, to find a supplier of funds for the demander of funds, and to help the realization of financing. The demand side is a user side (eg, an enterprise) that submits a financing application, and the supplier side may be a business side (eg, a bank).

The specific verification rule is a specific matching rule formulated by the business party according to its own profit needs, and the specific matching rule may include a tag related to funds and a matching logic corresponding to each tag, that is, the specific verification rule. It can include tags related to funds and matching logic corresponding to each tag. The targeted fund plan is a fund plan that meets the profit needs of the business side. Specifically, after receiving the financing application, the server determines the financing application and the specific verification rule sent by the business party, determines the specific verification rule matching the financing application and the matching logic of the specific verification rule, and determines the financing application based on the matching logic. Apply for verification of the corresponding current funding plan, and obtain a targeted funding plan that passes the specific verification rule. For example, the server matches the user attributes and order attributes in the current fund plan of the financing application with the user attributes and order attributes in the specific verification rule, and determines the directional fund plan according to the matching results. Based on the above method, the server determines the directional fund plan that meets the profit needs of the business parties according to the profit needs of different business parties, which can solve the problem that the server in the prior art cannot meet the needs of the business parties due to the use of a set of matching rules, and improves the Flexibility in matching funds.

S120: Receive the priority fund plan list sent by the business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list.

Wherein, the priority funding plan list includes multiple funding plans and the priority of each funding plan, and each priority funding plan corresponds to different profit needs of the business party. Optionally, the method for determining the target priority of the directional funding plan may be: determine whether there is a business priority corresponding to the directional funding plan in the priority funding plan list; if so, take the business priority corresponding to the directional funding plan as the target. Priority; if not present, the original priority of the directed funding plan is used as the target priority.

Specifically, in the process of determining the directional fund plan according to the specific verification rule, the server may also receive the priority fund plan list sent by the business party, and determine whether the directional fund plan exists in the priority fund plan list and the priority of the directional fund plan. If there is a targeted funding plan and the priority of the targeted funding plan, take the targeted funding plan priority in the priority funding plan list as the target priority of the targeted funding plan, otherwise, take the original priority of the targeted funding plan as the target priority of the targeted funding plan target priority.

S130: Determine the fund matching result according to the targeted fund plan and the target priority.

The targeted funding plan and target priority are determined through the foregoing steps, and the fund matching result may include the financing application and the targeted funding plan and target priority corresponding to the financing application. It is understandable that the target priority of the directional fund plan corresponds to the profit demand of the business, and the determined fund matching result is conducive to meeting the profit maximization needs of the business side, and can absorb more business side for investment, which is further beneficial for users to obtain the ideal. amount of financing.

Further, after the fund matching result is determined, the present embodiment can also perform a review operation and a payment operation on the targeted fund plan according to the target priority in the fund matching result. Among them, the target priority can be the review of the targeted funding plan and the payment level. Specifically, the fund matching result includes at least one targeted funding plan and the target priority corresponding to each funding plan, and the targeted funding plans are reviewed and paid in order according to the target priority, so that the targeted funding plan with higher priority is reviewed first. Ensure the timeliness of the review and payment process and help maximize the profit of the business side.

In the technical solution provided by this embodiment, the server obtains the financing application, verifies the current capital plan corresponding to the financing application based on the specific verification rules sent by the business party, and determines the directional capital plan that meets the profit demand of the business party, which can solve the problem of the prior art. Due to the use of a set of matching rules, the server in the server cannot meet the needs of the business side, which improves the flexibility of fund matching; further receives the priority fund plan list sent by the business side, and determines the orientation according to the business priority in the priority fund plan list. The target priority of the capital plan, according to the targeted capital plan and target priority, determines the result of the matching of funds, which is conducive to meeting the profit maximization needs of the business side, and can attract more business parties to invest, which is further beneficial for the user side to obtain a considerable amount of financing.

Embodiment 2

FIG. 2 is a schematic flowchart of a method for matching funds according to Embodiment 2 of the present invention. The technical solution of this embodiment adds new steps on the basis of the above-mentioned embodiment. Optionally, before verifying the current fund plan corresponding to the financing application based on a specific verification rule sent by the business party, the method further includes: receiving a rejection match list sent by the business party; The current fund plan is screened to determine a matching fund plan; correspondingly, the current fund plan corresponding to the financing application is checked based on the specific verification rules sent by the business party, including: meeting the specific verification rules The Matchable Funding Plan as the Targeted Funding Plan. For the part not described in detail in the method embodiment, please refer to the above-mentioned embodiment. Referring specifically to Figure 2, the method may include the following steps:

S210: Obtain a financing application, receive a rejection matching list sent by the business party, screen the current fund plan based on the rejection matching list, and determine a matching fund plan.

The rejection list may be generated according to relevant policies and the regulations of each business party, and the rejection list may include age restrictions, user size restrictions, user overdue rate restrictions, and risk levels of financing projects. Specifically, when verifying the current fund plan, the server obtains the rejection match list sent by the business party, screens the current fund plan according to the reject match list, and determines whether the current fund plan is in the rejection match list, and if the current fund plan is in the reject match list If the current funding plan is not on the deny matching list, the current funding plan that is on the denying list will be regarded as a non-matching funding plan, and if the current funding plan is not on the denying matching list, the current funding plan that is not on the denying list will be regarded as a matching funding plan, and Subsequent funds are matched based on the matchable fund plan.

S220, a matchable fund plan that satisfies a specific verification rule is used as a directional fund plan.

As described in the foregoing embodiments, after the matchable fund plan is determined, the server verifies the matchable fund plan based on the matching logic, and obtains a directional fund plan that passes a specific check rule. For example, the server matches the user attributes and order attributes in the matchable fund plan with the user attributes and order attributes in a specific verification rule, respectively, and determines the directional fund plan according to the matching results. Screening the current fund plan based on the rejection matching list can reasonably grasp the risk level of the user side and control the overdue rate of assets, which is conducive to improving the efficiency of determining the targeted fund plan.

S230: Receive the priority fund plan list sent by the business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list.

S240: Determine the fund matching result according to the directional fund plan and the target priority.

In this embodiment, in order to reduce the number of credit investigations on the user side and reduce complaints, this embodiment further includes: if the user side corresponding to the financing application is a second-class user, when performing the review operation on the determined fund matching result, in the targeted When the fund plan is reviewed, the second-class users corresponding to the targeted fund plan are protected by credit investigation.

Among them, the second type of user refers to the business that can handle deposits, purchase financial products such as investment and wealth management products, limit consumption and payment, and transfer funds to unbound accounts within limits. Specifically, the server hides the credit rating of the second-class user or increases the credit score of the second-class user when performing the review operation on the financing application of the second-class user. The number of credit reports and complaints received by the second-class users further improved the user experience.

In the technical solution provided by this embodiment, the current fund plan is screened based on the rejection matching list, and the matched fund plan obtained by screening is checked through the specific check rules sent by the business party to determine the directional fund plan, which can reasonably grasp the user The risk level of the party and the control of the overdue rate of assets are conducive to improving the efficiency of determining the targeted fund plan. In addition, if the user corresponding to the financing application is a second-class user, when reviewing the directional fund plan, the credit protection of the second-class user corresponding to the directional fund plan can be performed, which can avoid the number of credit reports and the complaint of the second-class user. , which further improves the user experience.

Embodiment 3

FIG. 3 is a schematic flowchart of a method for matching funds according to Embodiment 3 of the present invention. The technical solution of this embodiment is refined in the steps of the above-mentioned embodiment. Optionally, the determining the fund matching result according to the directional fund plan and the target priority includes: if the directional matching termination information sent by the business party is received, the directional fund plan and the directional fund are sent. The target priority corresponding to the plan is used as the fund matching result. For the part not described in detail in the method embodiment, please refer to the above-mentioned embodiment. 3, the method may include the following steps:

S310: Obtain the financing application, and verify the current capital plan corresponding to the financing application based on the specific verification rule sent by the business party, to obtain a directional capital plan that passes the specific verification rule.

S320: Receive the priority fund plan list sent by the business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list.

S330, if the targeted matching termination information sent by the business party is received, the targeted funding plan and the target priority corresponding to the targeted funding plan are used as the funding matching result.

Among them, the targeted matching termination information is the targeted matching node set by the business party according to its own business needs. If the time node of the fund matching reaches the targeted matching node, the fund matching result only includes the targeted funding plan and the target priority corresponding to the targeted funding plan.

Further, after the fund matching result is determined, the server may perform a review operation and a payment operation on the directional fund plan according to the target priority in the fund matching result. Through the above method, the server can filter out non-directional matching fund plans and return only directional matching fund plans, which is conducive to improving the efficiency of review and payment, and further improving the overall efficiency of financing.

In this embodiment, in the process of determining the directional fund plan according to the specific check rule, the server may also obtain the general check rule corresponding to the financing application, and regard the matchable fund plan that satisfies the general check rule as the non-directional fund plan. Wherein, the general verification rule is a unified fund matching logic adopted by the server for all financing applications. Based on the non-targeted funding plan, the method for determining the result of the funding match can also be: if the targeted matching termination information sent by the business party is not received, the non-targeted funding plan of the financing application, the original priority of the non-targeted funding plan, and the targeted funding plan And the target priority corresponding to the targeted fund plan is used as the result of fund matching.

Further, if the server does not receive the directional matching termination information, the server can perform a review operation and a payment operation on the directional fund plan according to the target priority in the fund matching result, and execute the non-directional fund according to the original priority of the non-directional fund plan. Schedule review operations and payment operations.

Figure 4 is a logical schematic diagram of a fund matching process, and the entire process of fund matching is explained in detail with reference to Figure 4. First, the user submits a financing application to the server, which triggers the server to initiate a match. The server obtains the rejection match list sent by the business party, and determines whether the rejection match list contains the current capital plan corresponding to the financing application. If so, it is determined that the current capital plan has not passed the verification. , if no, determine the current fund plan as a matchable fund plan, and use the matchable fund plan that satisfies a specific verification rule as a directional fund plan; further, after determining the matchable fund plan, the server can obtain a list of priority fund plans, Determine whether there is a business priority that can match the funding plan in the priority funding plan list. If so, use the business priority corresponding to the targeted funding plan in the priority funding list as the target priority of the targeted funding plan. If it does not exist, use the targeted funding plan. The original priority of the plan is used as the target priority; further, the server determines whether the targeted matching termination information is received, and if the targeted matching termination information is received, the targeted funding plan and the target priority corresponding to the targeted funding plan are used as the fund matching result. If it is not received, the non-targeted funding plan of the financing application, the original priority of the non-targeted funding plan, the targeted funding plan and the target priority corresponding to the targeted funding plan will be used as the result of funding matching.

In the technical solution provided by this embodiment, the server uses the targeted fund plan and the target priority corresponding to the targeted fund plan as the fund matching result by receiving the targeted matching termination information sent by the business party. This method can filter out the untargeted matching fund plan. , only return the targeted matching funding plan, which is conducive to improving the efficiency of review and payment, and further improving the efficiency of the entire financing process.

Embodiment 4

FIG. 5 is a schematic structural diagram of a fund matching device according to Embodiment 4 of the present invention. Referring to FIG. 5 , the system includes: a directional fund plan determination module 410 , a target priority determination module 420 and a fund matching result determination module 430 .

Wherein, the directional fund plan determination module 410 is used to obtain a financing application, verify the current fund plan corresponding to the financing application based on the specific verification rules sent by the business party, and obtain a directional fund plan that passes the specific verification rules ;

A target priority determination module 420, configured to receive a priority fund plan list sent by a business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list;

The fund matching result determination module 430 is configured to determine the fund matching result according to the targeted fund plan and the target priority.

On the basis of the above technical solutions, the device further includes: a matchable fund plan determination module; wherein, the matchable fund plan determination module is used for receiving a rejection matching list sent by the business party;

Screening the current funding plan based on the rejected match list to determine a matching funding plan;

Correspondingly, the directional fund plan determining module 410 is further configured to use a matchable fund plan that satisfies the specific verification rule as the directional fund plan.

On the basis of the above technical solutions, the target priority determination module 420 is further configured to determine whether there is a business priority corresponding to the targeted fund plan in the priority fund plan list;

If there is, take the business priority corresponding to the targeted funding plan as the target priority;

If not present, take the original priority of the targeted funding plan as the target priority.

On the basis of the above technical solutions, the fund matching result determination module 430 is further configured to, if receiving the targeted matching termination information sent by the business party, determine the targeted funding plan and the target priority corresponding to the targeted funding plan as the result of the matching of funds.

On the basis of the above technical solutions, the fund matching result determination module 430 is further configured to, if the targeted matching termination information sent by the business party is not received, determine the non-targeted fund plan of the financing application, the non-targeted fund The original priority of the plan, the directional fund plan, and the target priority corresponding to the directional fund plan are used as the fund matching result.

On the basis of the above technical solutions, the device further includes: a non-directional fund plan determination module; wherein, the non-directional fund plan determination module is used to obtain the general verification rules corresponding to the financing application;

A matchable funding plan that satisfies the general verification rules is regarded as a non-directional funding plan.

On the basis of the above technical solutions, the device further includes: an audit and payment module; wherein, the audit and payment module is used to conduct audit operations and pay for the targeted fund plan according to the target priority in the fund matching result operations, and performing a review operation and a payment operation on the undirected funding plan according to the original priority of the undirected funding plan.

Based on the above technical solutions, the review and payment module is further configured to perform review operations and payment operations on the targeted fund plan according to the target priority in the fund matching result.

On the basis of the above technical solutions, the device further includes: a credit reporting protection module; wherein, the credit reporting protection module is used for, if the user side corresponding to the financing application is a second-class user, to perform the processing on the targeted fund plan. During the review operation, the second-class users corresponding to the targeted fund plan are protected by credit investigation.

In the technical solution provided by this embodiment, the server obtains the financing application, verifies the current capital plan corresponding to the financing application based on the specific verification rules sent by the business party, and determines the directional capital plan that meets the profit demand of the business party, which can solve the problem of the prior art. Due to the use of a set of matching rules, the server in the server cannot meet the needs of the business side, which improves the flexibility of fund matching; further receives the priority fund plan list sent by the business side, and determines the orientation according to the business priority in the priority fund plan list. The target priority of the capital plan, according to the targeted capital plan and target priority, determines the result of the matching of funds, which is conducive to meeting the profit maximization needs of the business side, and can attract more business parties to invest, which is further beneficial for the user side to obtain a considerable amount of financing.

Embodiment 5

FIG. 6 is a schematic structural diagram of an image reconstruction device according to Embodiment 5 of the present invention. Figure 6 shows a block diagram of an exemplary server 12 suitable for use in implementing embodiments of the present invention. The server 12 shown in FIG. 6 is only an example, and should not impose any limitations on the functions and scope of use of the embodiments of the present invention.

As shown in FIG. 6, server 12 takes the form of a general-purpose computing device. Components of server 12 may include, but are not limited to, one or more processors or processing units 16 , system memory 28 , and a bus 18 connecting various system components including system memory 28 and processing unit 16 .

Bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus using any of a variety of bus structures. By way of example, these architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect ( PCI) bus.

Server 12 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by server 12, including volatile and non-volatile media, removable and non-removable media.

System memory 28 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 30 and/or cache memory 32 . Server 12 may further include other removable/non-removable, volatile/non-volatile computer system storage media. For example only, storage system 34 may be used to read and write to non-removable, non-volatile magnetic media (not shown in FIG. 6, commonly referred to as a "hard drive"). Although not shown in Figure 6, a disk drive may be provided for reading and writing to removable non-volatile magnetic disks (eg "floppy disks"), as well as removable non-volatile optical disks (eg CD-ROM, DVD-ROM) or other optical media) to read and write optical drives. In these cases, each drive may be connected to bus 18 through one or more data media interfaces. The memory 28 may include at least one program product having a set of program modules (eg, the fund matching device's targeted funding plan determination module 410, target priority determination module 420, and funding match result determination module 430) program modules configured to to perform the functions of the embodiments of the present invention.

A program/utility 44 having a set of program modules 46 (eg, targeted funding plan determination module 410, target prioritization module 420, and funding match result determination module 430 of the funding matching device) may be stored, for example, in memory 28, such as Program modules 46 include, but are not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of these examples may include an implementation of a network environment. Program modules 46 generally perform the functions and/or methods of the described embodiments of the present invention.

The server 12 may also communicate with one or more external devices 14 (eg, keyboards, pointing devices, displays 24, etc.), with one or more devices that enable a user to interact with the server 12, and/or with the Server 12 can communicate with any device (eg, network card, modem, etc.) that communicates with one or more other computing devices. Such communication may take place through input/output (I/O) interface 22 . Also, the server 12 may communicate with one or more networks (eg, a local area network (LAN), a wide area network (WAN), and/or a public network such as the Internet) through a network adapter 20 . As shown, network adapter 20 communicates with other modules of server 12 via bus 18 . It should be understood that, although not shown, other hardware and/or software modules may be used in conjunction with server 12, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and Data backup storage system, etc.

The processing unit 16 executes various functional applications and data processing by running the programs stored in the system memory 28, such as implementing a fund matching method provided by the embodiment of the present invention, and the method includes:

Obtaining a financing application, verifying the current funding plan corresponding to the financing application based on the specific verification rules sent by the business party, and obtaining a directional funding plan that passes the specific verification rules;

Receive the priority fund plan list sent by the business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list;

Determine the fund matching result according to the targeted fund plan and the target priority.

The processing unit 16 executes various functional applications and data processing by running the programs stored in the system memory 28, for example, to implement a fund matching method provided by the embodiment of the present invention.

Of course, those skilled in the art can understand that the processor can also implement the technical solution of a fund matching method provided by any embodiment of the present invention.

Embodiment 6

Embodiment 6 of the present invention also provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, implements a method for matching funds provided by the embodiment of the present invention, and the method includes:

Obtaining a financing application, verifying the current funding plan corresponding to the financing application based on the specific verification rules sent by the business party, and obtaining a directional funding plan that passes the specific verification rules;

Receive the priority fund plan list sent by the business party, and determine the target priority of the directional fund plan according to the business priorities in the priority fund plan list;

Determine the fund matching result according to the targeted fund plan and the target priority.

Of course, in the computer-readable storage medium provided by the embodiment of the present invention, the computer program stored thereon is not limited to the above method operations, and can also perform the relevant operations in the fund matching method provided by any embodiment of the present invention. .

The computer storage medium in the embodiments of the present invention may adopt any combination of one or more computer-readable mediums. The computer-readable medium may be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, system or device, or a combination of any of the above. More specific examples (a non-exhaustive list) of computer readable storage media include: electrical connections having one or more wires, portable computer disks, hard disks, random access memory (RAM), read only memory (ROM), Erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this document, a computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, system, or device.

The computer readable signal medium may be included in targeted funding plans, target priorities, funding match results, etc., carrying computer readable program code therein. This kind of dissemination in the form of targeted funding plans, target priorities, and funding matching results. A computer-readable signal medium can also be any computer-readable medium, other than a computer-readable storage medium, that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, system, or device .

Program code embodied on a computer readable medium may be transmitted using any suitable medium, including - but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

Computer program code for carrying out operations of the present invention may be written in one or more programming languages, including object-oriented programming languages—such as Java, Smalltalk, C++, but also conventional procedural languages, or a combination thereof. Programming Language - such as "C" language or similar programming language. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer, or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (eg, using an Internet service provider through Internet connection).

It is worth noting that in the above-mentioned embodiment of the fund matching device, the modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be realized; in addition, each functional unit The specific names are only for the convenience of distinguishing from each other, and are not used to limit the protection scope of the present invention.

Note that the above are only preferred embodiments of the present invention and applied technical principles. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the protection scope of the present invention. Therefore, although the present invention has been described in detail through the above embodiments, the present invention is not limited to the above embodiments, and can also include more other equivalent embodiments without departing from the concept of the present invention. The scope is determined by the scope of the appended claims.

Claims (12)

1. A fund matching method is applied to a server and comprises the following steps:

acquiring a financing application, and verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party to obtain a directed fund plan passing the specific verification rule;

receiving a priority fund plan list sent by a service party, and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;

and determining a fund matching result according to the directed fund plan and the target priority.

2. The method of claim 1, prior to verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a business party, further comprising:

receiving a refusal matching list sent by the service party;

screening the current fund plan based on the refusal matching list to determine a matchable fund plan;

correspondingly, the checking of the current fund plan corresponding to the financing application based on a specific checking rule sent by a service party comprises the following steps:

and using the matchable fund plan meeting the specific check rule as the directed fund plan.

3. The method of claim 1, wherein determining the target priority for the directed fund plan based on the business priority in the list of priority fund plans comprises:

determining whether a business priority corresponding to the directed fund plan exists in the priority fund plan list;

if so, taking the business priority corresponding to the directed fund plan as the target priority;

if not, the original priority of the directed funds plan is taken as the target priority.

4. The method of claim 2, wherein determining a fund match result based on the directed fund plan and the target priority comprises:

and if receiving the directional matching termination information sent by the service party, taking the directional fund plan and the target priority corresponding to the directional fund plan as the fund matching result.

5. The method of claim 4, further comprising:

and if the directional matching termination information sent by the service party is not received, taking the non-directional fund plan of the financing application, the original priority of the non-directional fund plan, the directional fund plan and the target priority corresponding to the directional fund plan as the fund matching result.

6. The method of claim 5, further comprising:

acquiring a general verification rule corresponding to the financing application;

and taking the matchable fund plan meeting the general verification rule as an undirected fund plan.

7. The method of claim 5, further comprising:

and performing auditing operation and payment operation on the directed fund plan according to the target priority in the fund matching result, and performing auditing operation and payment operation on the non-directed fund plan according to the original priority of the non-directed fund plan.

8. The method of claim 1, further comprising:

and performing auditing operation and payment operation on the oriented fund plan according to the target priority in the fund matching result.

9. The method of claim 8, further comprising:

and if the user side corresponding to the financing application is a second class user, performing credit investigation protection on the second class user corresponding to the directed fund plan when the directed fund plan is checked.

10. A money matching apparatus, comprising:

the system comprises a directional fund plan determining module, a fund transfer module and a fund transfer module, wherein the directional fund plan determining module is used for acquiring a financing application, verifying a current fund plan corresponding to the financing application based on a specific verification rule sent by a service party, and obtaining a directional fund plan passing the specific verification rule;

the target priority determining module is used for receiving a priority fund plan list sent by a service party and determining the target priority of the directed fund plan according to the service priority in the priority fund plan list;

and the fund matching result determining module is used for determining a fund matching result according to the directed fund plan and the target priority.

11. A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements a method of fund matching as claimed in any one of claims 1 to 9.

12. A storage medium containing computer-executable instructions which, when executed by a computer processor, implement the fund matching method of any one of claims 1-9.

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