CN114240601A

CN114240601A - Pre-stored resource monitoring processing method and device, computer equipment and storage medium

Info

Publication number: CN114240601A
Application number: CN202111392891.6A
Authority: CN
Inventors: 朱传明; 杨杰; 程浩; 谢晖; 朱力克; 杨斌
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-11-23
Filing date: 2021-11-23
Publication date: 2022-03-25

Abstract

The present disclosure relates to a pre-stored resource monitoring processing method, apparatus, computer device, and storage medium, the method comprising: setting a managed account of a service provider, a first bill of the service provider and a second bill of a service consumer; receiving a resource pre-stored message of the service consumer, deducting corresponding pre-stored resources from a settlement account of the service consumer according to the resource pre-stored message, settling the pre-stored resources into the escrow account, and updating the first bill and the second bill; receiving a resource consumption request sent by the service consumer; and performing risk prediction on the resource consumption request initiated by the service consumer by using a pre-constructed risk prediction model, and updating the first bill and the second bill according to the consumption resource value under the condition that the result of the risk prediction model is passed. The method and the device can discover the operation risk of the service provider in time and protect the resource safety of the service consumer.

Description

Pre-stored resource monitoring processing method and device, computer equipment and storage medium

Technical Field

The present disclosure relates to the field of big data analysis technologies, and in particular, to a method and an apparatus for monitoring and processing pre-stored resources, a computer device, and a storage medium.

Background

With the rapid development and popularization of intelligent mobile terminals and the increasing strengthening of the trend of financial off-media, online payment and electronic accounts become new centers of the emerging industry of internet finance, and meanwhile, prepaid consumption is driven. The pre-paid consumption is also called advanced consumption, which means that a customer pays a certain amount of consumption to a merchant in advance and can enjoy service in a manner similar to the way of whole-deposit zero-fetch. Prepaid consumption offers on the one hand the convenience for the customer, saving the trouble of paying cash each time. On the other hand, the merchant can pre-pay the amount of the customer at one time, which is equivalent to a fixed customer source, so pre-paid consumption is quite prevalent in related industries, particularly in the service industry.

However, in recent years, the loss of contact and running events in the field of prepaid consumption are frequent, and the legal interests of a large number of consumers are seriously infringed, which has gradually risen to be a serious social problem. At the current service type commercial tenant, funds prestored by the customer are fully credited to a commercial tenant settlement account in advance, and the offline event is frequent. In the admission stage, government departments adopt certain measures to control the qualification of service merchants. In the merchant operation process, a bank organization periodically inspects merchants by adopting a manual on-site inspection mode and continuously verifies the merchant operation condition. However, government departments cannot achieve effective supervision at the level of capital accounts, the routing inspection process of bank institutions is complicated, a large amount of manpower and material resources are consumed, the working efficiency is affected, and the risk that early warning cannot be timely carried out exists.

Disclosure of Invention

In view of the foregoing, there is a need to provide a method, an apparatus, a computer device, a storage medium, and a computer program product for monitoring and processing pre-stored resources, which can effectively monitor and manage the pre-stored resources at the level of a fund account.

In a first aspect, the present disclosure provides a pre-stored resource monitoring processing method. The method comprises the following steps:

setting a managed account of a service provider, a first bill of the service provider and a second bill of a service consumer; the first bill is used for recording resource settlement information of the service provider, and the second bill is used for recording resource settlement information of the service consumer;

receiving a resource pre-stored message of the service consumer, deducting corresponding pre-stored resources from a settlement account of the service consumer according to the resource pre-stored message, settling the pre-stored resources into the escrow account, and updating the first bill and the second bill;

receiving a resource consumption request sent by the service consumer;

and performing risk prediction on the resource consumption request initiated by the service consumer by using a pre-constructed risk prediction model, and updating the first bill and the second bill according to the consumption resource value under the condition that the result of the risk prediction model is passed.

In one embodiment, the setting up the hosted account of the service provider, the first bill of the service provider, and the second bill of the service consumer comprises:

receiving first registration information entry of the service provider, and establishing the first bill based on the first registration information;

receiving second registration information entry of the service consumer, and establishing the second bill based on the second registration information;

binding the escrow account to the service provider.

In one embodiment, the receiving the resource consumption request sent by the service consumer includes:

receiving a resource consumption request initiated by the service consumption party to the service provider through an NFC tag provided by the service provider;

and acquiring the identity information of the service consumer, the positioning information of the service consumer and the resource consumption value based on the resource consumption request.

In one embodiment, the risk prediction of the resource consumption request initiated by the service consumer using the pre-constructed risk prediction model comprises:

and performing security verification on the service consumer and the service provider according to the resource consumption request.

In one embodiment, the authenticating the service consumer according to the identity information and the authenticating the service provider according to the positioning information includes:

verifying the identity information of the service consumer based on the acquired resource consumption request;

based on the acquired resource consumption request, judging whether the positioning information of the service consumer is in the effective range of the registration address of the service provider;

and under the conditions that the identity information of the service consumer passes the verification and the positioning information of the service consumer is judged to be in the effective range of the registration address of the service provider, initiating a risk prediction request to the risk prediction model.

In one embodiment, the updating the first bill and the second bill according to the consumption resource value in the case that the result of the risk prediction model is pass comprises:

updating the second bill according to the consumption resource value under the condition that the risk prediction model outputs a passing result;

deducting corresponding consumption resources from the record in the escrow account according to the resource consumption request, and updating the first bill;

and receiving a resource settlement request initiated by the consumption provider, and settling the consumption resource into a settlement account of the service provider.

In a second aspect, the present disclosure further provides a pre-stored resource monitoring processing apparatus. The device comprises:

the account management module is used for setting a managed account of a service provider, a first bill of the service provider and a second bill of a service consumer; the first bill is used for recording resource settlement information of the service provider, and the second bill is used for recording resource settlement information of the service consumer;

the resource pre-storing module is used for receiving the resource pre-storing message of the service consumer, deducting corresponding pre-stored resources from a settlement account of the service consumer according to the resource pre-storing message, settling the pre-stored resources into the escrow account, and updating the first bill and the second bill;

the consumption request module is used for receiving the resource consumption request sent by the service consumer;

the risk prediction module is used for performing risk prediction on the resource consumption request initiated by the service consumer by utilizing a pre-constructed risk prediction model;

and the resource settlement module is used for updating the first bill and the second bill according to the consumption resource value under the condition that the result of the risk prediction model is passed.

In one embodiment, the account management module comprises:

the first registration unit is used for receiving first registration information input of the service provider and establishing the first bill based on the first registration information;

the second registration unit is used for receiving second registration information input of the service consumer and establishing the second bill based on the second registration information;

and the managed account unit is used for binding the managed account to the service provider.

In one embodiment, the consumption request module comprises:

the near field communication unit is used for receiving a resource consumption request initiated by the service consumption party to the service provider through the NFC label provided by the service provider;

and the consumption request analysis unit is used for acquiring the identity information of the service consumer, the positioning information of the service consumer and the resource consumption value based on the resource consumption request.

In one embodiment, the apparatus further comprises:

and the verification module is used for performing security verification on the service consumer and the service provider according to the resource consumption request.

In one embodiment, the verification module comprises:

the identity authentication unit is used for authenticating the identity information of the service consumer based on the acquired resource consumption request;

an address verification unit, configured to determine, based on the acquired resource consumption request, whether location information of the service consumer is within a valid range of a registration address of the service provider;

and the verification result unit is used for initiating a risk prediction request to the risk prediction model under the conditions that the identity information of the service consumer is verified to pass and the positioning information of the service consumer is judged to be in the effective range of the registration address of the service provider.

In one embodiment, the resource accounting module comprises:

the service consumer settlement unit is used for updating the second bill according to the consumption resource value under the condition that the risk prediction model outputs a passing result;

the managed account settlement unit is used for deducting the corresponding consumed resources from the records in the managed account according to the resource consumption request and updating the first bill;

and the service provider settlement unit is used for receiving the resource settlement request initiated by the consumption provider and settling the consumption resource into a settlement account of the service provider.

In a third aspect, the present disclosure also provides a computer device. The computer equipment comprises a memory and a processor, wherein the memory stores a computer program, and the processor realizes the steps of the pre-stored resource monitoring processing method when executing the computer program.

In a fourth aspect, the present disclosure also provides a computer-readable storage medium. The computer readable storage medium has a computer program stored thereon, which when executed by a processor implements the steps of the pre-stored resource monitoring processing method described above.

In a fifth aspect, the present disclosure also provides a computer program product. The computer program product comprises a computer program, and the computer program realizes the steps of the pre-stored resource monitoring processing method when being executed by a processor.

The pre-stored resource monitoring processing method, the pre-stored resource monitoring processing device, the computer equipment, the storage medium and the computer program product at least have the following beneficial effects:

the method monitors the accounts of the service consumer and the service provider, reduces the risk of the service consumer by establishing the escrow account, carries out risk prediction on the resource consumption request initiated by the service consumer, monitors, counts, analyzes and predicts the settlement account of the service provider in real time on line, can discover the operation risk of the service provider in time, protects the resource safety of the service consumer, and ensures the stable operation of the service provider.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments or the conventional technologies of the present disclosure, the drawings used in the descriptions of the embodiments or the conventional technologies will be briefly introduced below, it is obvious that the drawings in the following descriptions are only some embodiments of the present disclosure, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is an application environment diagram of a pre-stored resource monitoring processing method in an embodiment;

FIG. 2 is a flowchart illustrating a pre-stored resource monitoring processing method according to an embodiment;

FIG. 3 is a schematic flow chart of risk prediction for the risk prediction model in one embodiment;

FIG. 4 is a schematic flow diagram that illustrates the steps of setting up an escrow account in one embodiment;

FIG. 5 is a flowchart illustrating the step of receiving a resource consumption request in one embodiment;

FIG. 6 is another flowchart illustrating a pre-stored resource monitoring processing method according to an embodiment;

FIG. 7 is a schematic flow chart of the security verification step in one embodiment;

FIG. 8 is a schematic flow chart of the resource settlement step in one embodiment;

FIG. 9 is a block diagram illustrating an exemplary embodiment of a pre-stored resource monitoring and processing apparatus;

FIG. 10 is a block diagram of the structure of an account management module in one embodiment;

FIG. 11 is a block diagram that illustrates the structure of a consume request module in one embodiment;

FIG. 12 is a block diagram of another embodiment of a pre-stored resource monitoring and processing apparatus;

FIG. 13 is a block diagram of the structure of a verification module in one embodiment;

FIG. 14 is a block diagram of the structure of a resource accounting module in one embodiment;

FIG. 15 is a block diagram showing an internal configuration of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this disclosure belongs. The terminology used herein in the description of the disclosure is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure.

It should be noted that the terms "first," "second," and the like in the description and claims of the present disclosure and in the above-described drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the disclosure described herein are capable of operation in sequences other than those illustrated or otherwise described herein. The implementations described in the exemplary embodiments below are not intended to represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present disclosure, as detailed in the appended claims. The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. For example, if the terms first, second, etc. are used to denote names, they do not denote any particular order.

The pre-stored resource monitoring processing method provided by the embodiment of the application can be applied to the application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104, or may be located on the cloud or other network server. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices and portable wearable devices, and the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart car-mounted devices, and the like. The portable wearable device can be a smart watch, a smart bracelet, a head-mounted device, and the like. The server 104 may be implemented as a stand-alone server or as a server cluster comprised of multiple servers.

In some embodiments of the present disclosure, as shown in fig. 2, a method for monitoring and processing pre-stored resources is provided, which is described by taking the method as an example applied to the server in fig. 1, and includes:

step S10: setting a managed account of a service provider, a first bill of the service provider and a second bill of a service consumer; the first bill is used for recording resource settlement information of the service provider, and the second bill is used for recording resource settlement information of the service consumer.

Specifically, in the present embodiment, the service provider may refer to a party that provides the service, i.e., a merchant. A service consumer may refer to a party that consumes, i.e., a customer. The escrow account is associated with the service provider in a one-to-one manner, and can be established according to the service provider while establishing the first bill and the second bill. In this embodiment, the resource may be a fund, or may be another virtual resource, such as a Q coin, a credit, and the like.

Step S30: and receiving a resource pre-stored message of the service consumer, deducting corresponding pre-stored resources from a settlement account of the service consumer according to the resource pre-stored message, settling the pre-stored resources into the escrow account, and updating the first bill and the second bill.

Specifically, the receiving service consumer initiates a resource pre-storing message to the service provider, where the resource pre-storing message may include the identity information of the service consumer, a resource pre-stored value, and the identity information of the service provider. And according to the resource pre-storage message, deducting the corresponding pre-stored resources from the settlement account of the service consumer to the escrow account associated with the service provider, and not directly settling the resources to the settlement account of the service provider. And updating the first bill and the second bill according to the resource pre-stored message. For example, the first bill may record a pre-stored value of the resource of the service consumer, and a settlement status of the pre-stored value of the resource. When a plurality of service consumers prestore resources, the first bill can record the resource prestore value and the settlement state of each service consumer, and record the settlement state of the sum of all the resource prestore values received by the current service provider. The second bill may record the resource pre-stored value of the service consumer and the expenditure details of the resource pre-stored value. When the service consumer performs resource reservation to a plurality of service providers, the second bill may record a resource reservation value and payment details of the service consumer under each service provider name. For example, consumer a has 100 dollars in advance to merchant a and 100 dollars in advance to merchant B. The pre-stored resources are transferred to the escrow account corresponding to the merchant A and the escrow account corresponding to the merchant B. The second bill records information of 100 yuan prestored in merchant A, 100 yuan prestored in merchant B and the like. And synchronously recording the pre-stored resource value of the consumer A on the respective first bills of the merchant A and the merchant B.

Step S50: and receiving a resource consumption request sent by the service consumer.

Specifically, when a service consumer needs to consume, a resource consumption request sent by the service consumer to a service provider is received, and based on the resource consumption request, identity information of the service consumer, positioning information of the service consumer, and a resource consumption value can be obtained.

Step S70: and performing risk prediction on the resource consumption request initiated by the service consumer by using a pre-constructed risk prediction model, and updating the first bill and the second bill according to the consumption resource value under the condition that the result of the risk prediction model is passed.

Specifically, the acquired resource consumption request initiated by the service consumer is input into a pre-constructed risk prediction model, the risk prediction model carries out risk prediction on the current consumption behavior according to the resource consumption request, and the result that the risk prediction passes or fails is output. In conjunction with the flowchart shown in fig. 3, when the risk prediction model predicts a resource consumption request initiated by a service consumer, the first bill and the second bill are updated according to the consumed resource value. When the risk prediction model does not predict, a risk prompt can be sent to the service consumption or the consumption can be forcibly terminated.

In the pre-stored resource monitoring processing method, the accounts of the service consumer and the service provider are monitored, the risk of the service consumer is reduced by establishing the escrow account, the risk prediction is carried out on the resource consumption request initiated by the service consumer, and the settlement account of the service provider is monitored, counted, analyzed and predicted on line in real time, so that the operation risk of the service provider can be found in time, the resource safety of the service consumer is protected, and the stable operation of the service provider is ensured.

In some embodiments of the present disclosure, as shown in fig. 4, the step S10 includes:

step S12: receiving a first registration information entry of the service provider, and establishing the first bill based on the first registration information.

Specifically, the first registration information may include business information of the service provider and settlement account information of the service provider. And establishing a first bill according to the first registration information. For example, merchant a binds to escrow account a after registration, and merchant B binds to escrow account B after registration.

Step S14: receiving a second registration information entry of the service consumer, and establishing the second bill based on the second registration information.

Specifically, the second registration information may include identity document information of the service consumer and settlement account information of the service consumer. And receiving second registration information of the service consumer, wherein the second registration information can comprise identity document information of the service consumer and settlement account information of the service consumer, and establishing a second bill according to the second registration information.

Step S16: binding the escrow account to the service provider.

The method comprises the steps that a one-to-one incidence relation exists between a managed account and a service provider, after the service provider completes registration, the service provider is bound with the managed account, and the managed account can be used for interacting with a settlement account of the service provider.

The embodiment ensures the authenticity of the information of the service consumer and the service provider by collecting the registration information of the service consumer and the service provider, and is convenient for monitoring the service consumer and the service provider in real time based on the registration information.

In some embodiments of the present disclosure, as shown in fig. 5, the step S50 includes:

step S52: and receiving a resource consumption request initiated by the service consumption party to the service provider through the NFC label provided by the service provider.

Specifically, a service provider is provided with an NFC tag, NFC (Near Field Communication) is an emerging internet of things Communication technology, and devices (such as mobile phones) using the NFC technology can exchange data when being close to each other, so that the transmission distance is short, the transmission creation speed is high, and the power consumption is low. The service consumer may initiate a resource consumption request to the service provider by touching the NFC tag of the service provider.

Step S54: and acquiring the identity information of the service consumer, the positioning information of the service consumer and the resource consumption value based on the resource consumption request.

Specifically, when a resource consumption request initiated by a service consumer to the service provider is received, the identity information of the service consumer, the positioning information of the service consumer, and the resource consumption value are analyzed according to the resource consumption request. The Positioning information can be obtained based on a GPS (Global Positioning System) Positioning technology.

The embodiment adopts the approach communication technology, not only provides convenience for offline consumption of the service consumer, but also enhances monitoring of offline consumption behavior of the service consumer, and facilitates analysis of consumption behavior based on information obtained by the resource consumption request.

In some embodiments of the present disclosure, as shown in fig. 6, before the performing risk prediction on the resource consumption request initiated by the service consumer using the pre-constructed risk prediction model, the performing the risk prediction on the resource consumption request initiated by the service consumer includes:

step S60: and performing security verification on the service consumer and the service provider according to the resource consumption request.

Specifically, after receiving a resource consumption request sent by a service consumer, security verification needs to be performed on both the service consumer and the service provider. For example, the service consumer authentication may be performed by performing identity information authentication to verify the identity information of the service consumer whether there are pre-stored resources under the service provider name. The service provider can be verified for the registration information, and whether the registration address is in accordance with the registration information is verified. The security authentication is not limited to authentication of identity and authentication of a registered address, and may be performed for authentication of transaction amount, and the like.

According to the embodiment, the safety verification of the service consumer and the service provider is triggered when the resource consumption request is received, so that the consumption risk avoiding capability is further improved.

In some embodiments of the present disclosure, as shown in fig. 7, the step S60 includes:

step S62: and verifying the identity information of the service consumer based on the acquired resource consumption request.

Specifically, the resource consumption request is a directional request sent by the service consumer to the service provider, the identity information of the service consumer can be obtained according to the resource consumption request, and the identity information of the service consumer is verified to see whether a pre-stored resource exists under the name of the service provider.

Step S64: and judging whether the positioning information of the service consumer is in the effective range of the registration address of the service provider or not based on the acquired resource consumption request.

Specifically, the positioning information for initiating the resource consumption request is acquired, whether the distance between the positioning information for initiating the resource consumption request and the registration address of the service provider is within a preset distance range or not is judged, and if the distance is within the preset distance range, the positioning information of the service consumer is determined to be within the effective range of the registration address of the service provider.

Step S66: and under the conditions that the identity information of the service consumer passes the verification and the positioning information of the service consumer is judged to be in the effective range of the registration address of the service provider, initiating a risk prediction request to the risk prediction model.

Specifically, when the security verification of both the service consumer and the service provider is passed, a risk prediction request is triggered to be initiated to the risk prediction model. Otherwise, the service consumption is regarded as not passing the safety verification under the condition that only one party passes or both parties do not pass, and a risk prompt can be sent to the service consumption or the consumption is forcibly terminated. And the risk prediction model is used for performing risk prediction according to the received resource consumption request. The risk prediction model can be established by using a logistic regression algorithm, and risk prediction is carried out according to the historical consumption habits of service consumers and the historical order receiving data of service providers and by combining the order receiving conditions of peripheral and similar service providers.

In the embodiment, the identity information of the service consumer initiating the resource consumption request is judged when the resource consumption request is received, the distance between the positioning information initiating the resource consumption request and the registration address of the service provider is also judged, whether the positioning information of the service provider is in the effective range of the registration address of the service provider is verified, the operation risk of the service provider is timely found from the identity information and the positioning information dimension, and then effective measures are taken.

In some embodiments of the present disclosure, as shown in fig. 8, the step S70 includes:

step S72: and under the condition that the risk prediction model outputs a passing result, updating the second bill according to the consumption resource value.

Specifically, after the risk prediction model carries out risk prediction on the resource consumption request initiated by the service consumer, the second bill is updated according to the resource consumption value. That is, only when the risk prediction model is predicted to pass, the second bill is updated, and the pre-stored resource value of the service consumer is recorded and the corresponding resource consumption value is deducted.

Step S74: and deducting the corresponding consumed resources from the record in the escrow account according to the resource consumption request, and updating the first bill.

Specifically, after the risk prediction model carries out risk prediction on the resource consumption request initiated by the service consumer, the first bill is synchronously updated, and the resource to be settled of the service provider is recorded according to the resource consumption value.

Step S76: and receiving a resource settlement request initiated by the consumption provider, and settling the consumption resource into a settlement account of the service provider.

Specifically, the service provider initiatively initiates a resource settlement request, and after receiving the resource settlement request of the service provider, the service provider settles the resource to be settled into a settlement account of the service provider according to the first bill from the escrow account.

In the embodiment, the first bill and the second bill are updated after the passing result is output by the risk prediction model, so that the complex flow of regular on-site inspection of a bank organization is reduced. When the service provider initiatively initiates a resource settlement request, the resource to be settled in the escrow account is settled to the settlement account of the service provider, and the consumption transfer of the service consumer to the service provider is finally completed, so that the consumption risk of the service consumer is reduced, and the rights and interests of the service consumer are guaranteed.

It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least a part of the steps or stages in other steps.

Based on the same inventive concept, the disclosed embodiment further provides a pre-stored resource monitoring processing device for implementing the above-mentioned pre-stored resource monitoring processing method. The implementation scheme for solving the problem provided by the apparatus is similar to the implementation scheme described in the above method, so specific limitations in one or more embodiments of the pre-stored resource monitoring processing apparatus provided below can be referred to the limitations of the pre-stored resource monitoring processing method in the foregoing, and details are not described here.

The apparatus may include systems (including distributed systems), software (applications), modules, components, servers, clients, etc. that use the methods described in embodiments of the present specification in conjunction with any necessary apparatus to implement the hardware. Based on the same innovative concept, the embodiments of the present disclosure provide an apparatus in one or more embodiments as described in the following embodiments. Since the implementation scheme of the apparatus for solving the problem is similar to that of the method, the specific implementation of the apparatus in the embodiment of the present specification may refer to the implementation of the foregoing method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

In some embodiments of the present disclosure, as shown in fig. 9, there is provided a pre-stored resource monitoring processing apparatus Z00 comprising:

the account management module Z10 is used for setting a managed account of a service provider, a first bill of the service provider and a second bill of a service consumer; the first bill is used for recording resource settlement information of the service provider, and the second bill is used for recording resource settlement information of the service consumer;

the resource pre-storing module Z20 is configured to receive a resource pre-storing message of the service consumer, deduct a corresponding pre-stored resource from a settlement account of the service consumer according to the resource pre-storing message, settle the pre-stored resource into the escrow account, and update the first bill and the second bill;

a consumption request module Z30, configured to receive a resource consumption request sent by the service consumer;

the risk prediction module Z40 is used for performing risk prediction on the resource consumption request initiated by the service consumer by using a pre-constructed risk prediction model;

a resource settlement module Z50, configured to update the first bill and the second bill according to the consumption resource value if the result of the risk prediction model is pass.

In some embodiments of the present disclosure, as shown in fig. 10, the account management module Z10 includes:

a first registration unit Z12, configured to receive a first registration information entry of the service provider, and establish the first bill based on the first registration information; a second registration unit Z14, configured to receive a second registration information entry of the service consumer, and establish the second bill based on the second registration information; a hosted account unit Z16 for binding the hosted account to the service provider.

In some embodiments of the present disclosure, as shown in fig. 11, the consumption request module Z30 includes:

a near field communication unit Z32, configured to receive, through an NFC tag provided by the service provider, a resource consumption request initiated by the service consumer to the service provider; and the consumption request analysis unit Z34 is configured to obtain, based on the resource consumption request, the identity information of the service consumer, the location information of the service consumer, and a resource consumption value.

In some embodiments of the present disclosure, as shown in fig. 12, the apparatus Z00 further comprises:

and the verification module Z60 is used for performing security verification on the service consumer and the service provider according to the resource consumption request.

In some embodiments of the present disclosure, as shown in fig. 13, the verification module Z60 includes:

the identity authentication unit Z62 is used for authenticating the identity information of the service consumer based on the acquired resource consumption request; an address verification unit Z64, configured to determine, based on the acquired resource consumption request, whether the location information of the service consumer is within a valid range of a registration address of the service provider; and the verification result unit Z66 is used for initiating a risk prediction request to the risk prediction model under the conditions that the identity information of the service consumer is verified to pass and the positioning information of the service consumer is judged to be in the valid range of the registration address of the service provider.

In some embodiments of the present disclosure, as shown in fig. 14, the resource settlement module Z50 includes:

the service consumer settlement unit Z52 is used for updating the second bill according to the consumption resource value under the condition that the risk prediction model outputs a passing result; the managed account settlement unit Z54 is used for deducting the corresponding consumed resources from the managed account record according to the resource consumption request and updating the first bill; and the service provider settlement unit Z56 is used for receiving the resource settlement request initiated by the consumption provider and settling the consumption resource into the settlement account of the service provider.

All or part of the modules in the pre-stored resource monitoring and processing device can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules. It should be noted that, the division of the modules in the embodiments of the present disclosure is illustrative, and is only one division of logic functions, and there may be another division in actual implementation.

Based on the foregoing description of the embodiment of the pre-stored resource monitoring processing method, in another embodiment provided by the present disclosure, a computer device is provided, where the computer device may be a server, and the internal structure diagram of the computer device may be as shown in fig. 15. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a pre-stored resource monitoring processing method.

It will be appreciated by those skilled in the art that the configurations shown in the figures are block diagrams of only some of the configurations relevant to the present application, and do not constitute a limitation on the computing devices to which the present application may be applied, and that a particular computing device may include more or less components than those shown in the figures, or may combine certain components, or have a different arrangement of components.

Based on the foregoing description of the embodiments of the pre-stored resource monitoring processing method, in another embodiment provided by the present disclosure, a computer-readable storage medium is provided, on which a computer program is stored, which, when being executed by a processor, implements the steps in the above-mentioned embodiments of the methods.

Based on the foregoing description of the embodiments of the pre-stored resource monitoring processing method, in another embodiment provided by the present disclosure, a computer program product is provided, which includes a computer program that, when being executed by a processor, implements the steps in the above-mentioned embodiments of the methods.

It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present disclosure are information and data that are authorized by the user or sufficiently authorized by each party.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), Magnetic Random Access Memory (MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases referred to in various embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.

In the description herein, references to the description of "some embodiments," "other embodiments," "desired embodiments," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, a schematic description of the above terminology may not necessarily refer to the same embodiment or example.

It is understood that the embodiments of the method described above are described in a progressive manner, and the same/similar parts of the embodiments are referred to each other, and each embodiment focuses on differences from the other embodiments. Reference may be made to the description of other method embodiments for relevant points.

The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features of the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present disclosure, and the description thereof is more specific and detailed, but not construed as limiting the claims. It should be noted that, for those skilled in the art, various changes and modifications can be made without departing from the concept of the present disclosure, and these changes and modifications are all within the scope of the present disclosure. Therefore, the protection scope of the present disclosure should be subject to the appended claims.

Claims

1. A pre-stored resource monitoring processing method is characterized by comprising the following steps:

receiving a resource consumption request sent by the service consumer;

2. The method of claim 1, wherein the setting up the hosted account of the service provider, the first bill of the service provider, the second bill of the service consumer comprises:

binding the escrow account to the service provider.

3. The method of claim 1, wherein the receiving the resource consumption request sent by the service consumer comprises:

4. The method of claim 3, wherein risk predicting the service consumer-initiated resource consumption request using a pre-built risk prediction model is preceded by:

5. The method of claim 4, wherein the securely authenticating the service consumer and service provider according to the resource consumption request comprises:

6. The method of claim 1, wherein the updating the first bill and the second bill according to the consumption resource value in the event that the outcome of the risk prediction model is a pass comprises:

7. A pre-stored resource monitoring processing apparatus, comprising:

8. The apparatus of claim 7, wherein the account management module comprises:

9. The apparatus of claim 7, wherein the consumption request module comprises:

10. The apparatus of claim 9, wherein the apparatus further comprises:

11. The apparatus of claim 10, wherein the authentication module comprises:

12. The apparatus of claim 7, wherein the resource settlement module comprises:

13. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 6.

14. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.

15. A computer program product comprising a computer program, characterized in that the computer program realizes the steps of the method of any one of claims 1 to 6 when executed by a processor.