CN116342114A

CN116342114A - Method and device for processing share of amount

Info

Publication number: CN116342114A
Application number: CN202310333546.8A
Authority: CN
Inventors: 王骏; 张涛; 刘巧
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2022-05-20
Filing date: 2022-05-20
Publication date: 2023-06-27
Also published as: CN114862380A; CN114862380B

Abstract

The embodiment of the specification provides a method and a device for processing share of a credit, wherein the method for processing share of the credit comprises the following steps: detecting the transfer-in amount of a target member associated with a shared resource account of the association group in a history period; the resource line of each member in the association group is recorded in a resource management plan of the association group for the shared resource account; if the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, performing quota processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, and obtaining a quota processing result; and under the condition that the actual transfer-in amount of the associated member in the second target period is larger than the transfer-in amount of the second target period, carrying out amount sharing based on the actual transfer-in amount and the limit processing result.

Description

Method and device for processing share of amount

The application is a divisional application of Chinese invention patent application with the application date of 2022, 05 month and 20 days, the application number of CN202210550014.5 and the name of 'credit sharing processing method and device'.

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing share of a credit.

Background

With the development of information technology, a service provider provides a networked service platform for users under the support of internet technology, and the users can obtain corresponding services on the networked service platform. Because of the increasing variety of services, in order to meet the demands of users, resource accounts gradually become indispensable elements in online transaction services, and by using the resource accounts, users can conveniently complete services such as account transfer, payment and the like through computers and the Internet; and with the networking development of various traditional services, the application range of resource accounts is wider and wider.

Disclosure of Invention

One or more embodiments of the present disclosure provide a credit sharing processing method. The limit sharing processing method comprises the following steps: detecting the transfer-in amount of a target member associated with a shared resource account of the association group in a history period; and the resource limit of each member in the association group is recorded in a resource management plan of the association group for the shared resource account. And if the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, carrying out quota processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, and obtaining a quota processing result. And under the condition that the actual transfer-in amount of the associated member in the second target period is larger than the transfer-in amount of the second target period, carrying out amount sharing based on the actual transfer-in amount and the limit processing result.

One or more embodiments of the present disclosure provide a credit sharing processing apparatus, including: the transfer-in amount detection module is configured to detect the transfer-in amount of a target member associated with the shared resource account of the association group in a history period; and the resource limit of each member in the association group is recorded in a resource management plan of the association group for the shared resource account. And if the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, operating a limit processing module, wherein the limit processing module is configured to perform limit processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, and obtain a limit processing result. And under the condition that the actual transfer-in amount of the associated member in the second target period is larger than the transfer-in amount of the second target period, the credit sharing module is operated and is configured to share the credit based on the actual transfer-in amount and the credit processing result.

One or more embodiments of the present specification provide a credit sharing processing apparatus, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: detecting the transfer-in amount of a target member associated with a shared resource account of the association group in a history period; and the resource limit of each member in the association group is recorded in a resource management plan of the association group for the shared resource account. And if the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, carrying out quota processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, and obtaining a quota processing result. And under the condition that the actual transfer-in amount of the associated member in the second target period is larger than the transfer-in amount of the second target period, carrying out amount sharing based on the actual transfer-in amount and the limit processing result.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: detecting the transfer-in amount of a target member associated with a shared resource account of the association group in a history period; and the resource limit of each member in the association group is recorded in a resource management plan of the association group for the shared resource account. And if the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, carrying out quota processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, and obtaining a quota processing result. And under the condition that the actual transfer-in amount of the associated member in the second target period is larger than the transfer-in amount of the second target period, carrying out amount sharing based on the actual transfer-in amount and the limit processing result.

Drawings

For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are needed in the description of the embodiments or of the prior art will be briefly described below, it being obvious that the drawings in the description that follow are only some of the embodiments described in the present description, from which other drawings can be obtained, without inventive faculty, for a person skilled in the art;

FIG. 1 is a process flow diagram of a credit sharing method according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a method for processing credit sharing applied to a credit sharing scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a process flow diagram of a method for sharing a credit applied to a credit restoration scenario according to one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of a credit sharing processing device according to one or more embodiments of the present disclosure;

fig. 5 is a schematic structural diagram of a credit sharing processing device according to one or more embodiments of the present disclosure.

Detailed Description

In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive effort, are intended to be within the scope of the present disclosure.

The embodiment of the method for processing the share of the credit is provided in the specification:

referring to fig. 1, the method for processing credit sharing provided in the present embodiment specifically includes steps S102 to S106.

Step S102, the transfer-in amount of the target member associated with the shared resource account of the association group in the history period is detected.

According to the credit sharing processing method provided by the embodiment, each member of the association group is supervised through the resource management plan, if the fact that the target member does not finish the transfer credit of the history period according to the resource management plan is detected, in order to ensure that the resources of the shared resource account of the association group are managed according to the plan, the transfer credit of the target member in the first target period after the history period is subjected to the credit processing, so that the balance of the resources in the resource management plan is not reduced due to the shortage of the transfer credit; meanwhile, the transfer-out line is distributed to the members under the condition of ensuring the balance of the resources, so that under the condition that other associated members in the associated group perform 'resource assistance' on the target member, the line sharing is performed on the associated members implementing the 'resource assistance' action, so that the associated members have the use right of the limited line of the target member.

The association group comprises a group formed by at least two members with association relation, the members in the association group are associated through a unified group identifier, and the members in the association group can invite other users to join in the group to become group members; users not in the association group may apply to join the association group to become group members. Each member in the association group may implement a group service or share group resources based on the association group. The association group can also open a shared resource account, and the shared resource account is applied among all members in the association group and can be used and managed together. The association group comprises at least two members; the target member is any member in the association group, and all members except the target member in the association group are association members.

In order to realize common management of the resources in the shared resource account by each member in the association group, each member manages the resource usage of the shared resource account by making a sub-plan for carrying out resource transfer-out and resource transfer-in for the shared resource account, and in order to promote the management effectiveness of the total resources in the shared resource account, a resource management plan of the shared resource account is determined based on the sub-plan of each member; and the resource limit of each member in the association group is recorded in a resource management plan of the association group for the shared resource account. The resource credit includes a transfer-in credit and a transfer-out credit.

Optionally, the resource management plan records a total transfer-in limit, a total transfer-out limit and/or a default limit parameter; the total transfer-in amount and the total transfer-out amount are determined based on the sub-plans of the members; the default quota parameter is determined by the membership votes. The total transfer-in amount recorded in the resource management plan is equal to the sum of the transfer-in amounts of all the members; if the actual total transfer-in quota is smaller than the total transfer-in quota, determining an available sharing quota based on the actual total transfer-in quota, the total transfer-in quota and the default quota parameter; the available share line is used for distributing to the members of the excess transfer.

The shared resource account is associated with a resource balance, a shared resource bill and a resource management plan; the resource management plan comprises a total transfer-in limit, a total transfer-out limit and a default limit parameter; the total transfer-in limit is obtained based on transfer-in limit calculation of at least one period in the personal plans of each member, the total transfer-out limit is obtained based on transfer-out limit calculation of at least one period in the personal plans of each member, the default limit parameter is formulated by any member in the association group, and voting is carried out by other members in the association group, and voting processing results are effective after passing. The difference between the total transfer-in amount and the total transfer-out amount is the storage amount of the shared resource account.

In particular, each member of the association group may make a sub-plan mainly including a transfer amount that each period (e.g., each month) needs to transfer to the shared resource account, and an amount that each period allows itself to transfer from the shared resource account.

In order to constrain each member in the association group to each other, the plan of any member must be validated after the other members vote and pass the vote, or else the plan cannot be validated, based on this, in an alternative implementation provided in this embodiment, the sub-plan validation is determined by adopting the following manner:

generating a plan identification of a sub-plan submitted by the target member; the sub-plan comprises a transfer-in limit and a transfer-out limit of the target member in at least one period;

voting processing of the sub-plans is carried out based on the plan identification;

and if the voting processing result is voting passing, determining that the sub-plan is effective.

Specifically, a sub-plan (personal plan) submitted by a target member is obtained, a plan identification of the sub-plan is generated, the plan identification is sent to an authorization management module, the authorization management module initiates voting to the associated members except the target member in the associated group based on the plan identification, after the voting result of each associated member is obtained, whether the voting is passed or not is judged based on the voting result, if the voting is passed, the sub-plan is confirmed to be effective, the sub-plan is written into a resource management plan of a shared resource account, the resource management plan is updated, and then the effective result of the plan is informed to the target member; if the voting process result does not pass, the voting process result which does not pass is sent to the target member.

Wherein the voting process includes an authorization process. The associated members may initiate access to the sub-plan through the plan identification, the resource planning module based on

In the process of determining that the sub-plan is effective, the target member is exemplified, and in the process of determining that the sub-plan is effective, the target member may be any member in the association group, and the association member is a member other than the member of the specified plan.

For example, the family group includes a member p1, a member p2 and a member p3, the member p1 initiates the creation of a sub-plan as shown in table 1 for a shared resource account of the family group, after the resource management module obtains the sub-plan submitted by the member p1, generates a plan identifier, and sends the plan identifier to the authorization management module, after receiving the plan identifier, the authorization management module firstly inquires a member p2 and a member p3 associated with the member p1 based on the group identifier of the family group, and then sends authorization information carrying the plan identifier to the member p2 and the member p3, the member p2 and the member p3 can view the sub-plan of the member p1 through the plan identifier included in the authorization information, and after receiving the authorization results of the member p2 and the member p3, the authorization management module determines a voting processing result according to the authorization results and a voting mechanism and returns to the resource management module; if the received voting processing result is voting passing, the resource management module writes the sub-plan of the member p1 into the resource management plan, updates the resource management plan, and then feeds back the effective result of the sub-plan to the member p1; if the received voting processing result is that the voting is not passed, feeding back a result of failure of the sub-plan validation to the member p 1.

TABLE 1

In the specific implementation, after the members in the association group submit the sub-plan, for any period (taking the history period of the target member as an example) of any member, under the condition that the period settlement time is detected, the transfer amount of the target member in the history period is detected; if the transfer amount is equal to or greater than the transfer limit of the history period in the target member sub-plan, not processing; and if the transfer-in amount is smaller than the transfer-in amount, performing limit processing on the target member.

Step S104, if the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, the transfer-out amount of the target member in the first target period is subjected to limit processing based on the transfer-in amount and the transfer-in amount, and a limit processing result is obtained.

The first target period may be a period after the history period, or may be a next period of the history period, or may be any period after the history period, specifically may be determined according to an default limiting parameter in the resource management plan, or may be determined randomly, or may be designated as a next period of the history period, which is not limited herein.

In the specific implementation, if the transfer-in amount is detected to be smaller than the transfer-in amount, in order to ensure that the predicted storage amount of the shared resource account cannot be reduced, under the condition that the transfer-in amount is smaller than the transfer-in amount, the transfer-out amount of the target member in the first target period is subjected to limit processing, so that the storage amount cannot be reduced.

Based on this, in an alternative implementation manner provided in this embodiment, the quota processing is performed on the transfer-out quota of the target member in the first target period based on the transfer-in amount and the transfer-in quota in the following manner, so as to obtain a quota processing result:

calculating a transfer-in difference of the target member in the target period based on the transfer-in amount and the transfer-in amount of the target member in the history period;

according to the transfer-in difference, the transfer-out amount of the target member in the resource management plan in the first target period is reduced, the actual transfer-out amount is obtained, and the transfer-out difference is used as an available sharing amount;

and the quota processing result carries the available sharing quota, and the slip-out difference is obtained based on the slip-out quota of the first target period and the actual slip-out quota through calculation.

Specifically, the difference between the transfer-in amount and the transfer-in amount of the target member in the history period is calculated as the transfer-in difference, then the limit amount is calculated according to the transfer-in difference and the default limit parameter recorded in the resource management plan, the transfer-out amount of the first target period is determined to be reduced according to the limit amount, the actual transfer-out amount is obtained, then the difference between the transfer-out amount and the actual transfer-out amount is calculated, and the transfer-out difference is obtained as the available sharing amount.

Because the transfer-out amount is smaller than the transfer-out amount, the memory amount of the shared resource account is not affected to be reduced and is increased, and therefore, the processing is not performed when the transfer-out amount is smaller than the transfer-out amount; however, the storage limit is affected due to the fact that the transfer amount is lower than the transfer limit, and in order to achieve mutual constraint among a plurality of members, a default handling mechanism is set.

As shown in table 2, the transfer-in limit of the member p1 in the trimester is 3k and the transfer-out limit is 3k, but the actual transfer-in amount of the member p1 in the trimester is 2k, the transfer-out amount is 1k, and the transfer-in amount is 1k less than the transfer-in limit, the transfer-out limit of the member p1 in the trimester is adjusted from 3k to 2k in table 1 according to the violation limit parameter 1 and the ratio 1. At this time, the available share is 1k.

TABLE 2

After the quota processing is carried out on the target member to obtain a quota processing result carrying the available sharing quota, the target member can make up, and other associated members can also carry out 'resource assistance' on the target member to obtain the available sharing quota.

Step S106, under the condition that the actual transfer-in amount of the associated member in the second target period is larger than the transfer-in amount of the second target period, carrying out amount sharing based on the actual transfer-in amount and the limit processing result.

The second target period may be the same period as the first target period, or may be any period after the first target period, specifically, a period in which the actual transfer amount of the associated member is greater than the transfer amount.

In the specific implementation, as the target member is subjected to quota treatment, the total transfer-out quota in the resource management plan can be influenced, and in this case, any associated member in the associated group can recover the total transfer-out quota in an assistance mode; and if the actual transfer-in amount of any associated member is larger than the transfer-in amount in the period of the limit processing of the target member or any period after the limit processing, carrying out the limit sharing based on the actual transfer-in amount and the available sharing amount under the condition that the available sharing amount contained in the limit processing result obtained by the limit processing of the transfer-out amount of the target member is larger than 0.

In an optional implementation manner provided in this embodiment, sharing of the quota based on the actual transfer amount and the quota processing result is achieved by:

calculating an additional transfer amount of the associated member based on the actual transfer amount and the transfer amount of the second target period;

And distributing the amount corresponding to the additional transfer-in amount to the associated member in the available sharing amount.

Specifically, the additional transfer-in amount (the difference between the actual transfer-in amount and the transfer-in amount) of the associated member is calculated first, and then a corresponding amount is allocated to the associated member among the available shared amounts based on the additional transfer-in amount.

Along the above example, as shown in table 3, the personal plan of the member p2 plans to transfer into the credit line in april to 3k, detects that the actual transfer-in amount of the member p2 in april is 4k and exceeds the transfer-in credit line, judges whether the available shared resource account exists or not, inquires that the available shared resource account exists to be 1k, the available shared account is obtained by that the member p1 is transferred into the credit line in april by 1k, and the additional transfer-in amount of the member p2 is 4k-3 k=1k, the member p1 is just subjected to resource assistance, and in order to improve the perception degree of the member p2 on the assistance action, the available shared resource account is allocated to the member p2, and the transfer-out credit line of the member p2 in april is adjusted to be 4k by 3 k. The brackets of the planning line are adjusted transfer-out limits.

TABLE 3 Table 3

It should be noted that, under the condition that the actual transfer-in amount of the associated member in the second target period is greater than the transfer-in amount of the second target period, judging whether available sharing amount exists, if yes, carrying out amount sharing based on the actual transfer-in amount and the limit processing result (available sharing amount); if not, storing the resources corresponding to the actual transfer amount, and updating the balance of the resources of the shared resource account.

In addition, the target member may make up for the amount of the transfer that is not paid, and in an optional implementation manner provided in this embodiment, when the amount of the transfer of the target member in the second target period is greater than the transfer amount of the target member in the second target period, the amount recovery is performed based on the target transfer amount and the limit processing result. Specifically, under the condition that the target transfer amount of the target member in the second target period is larger than the transfer amount of the target member in the second target period, judging whether an available sharing amount exists or not; if so, recovering the limit of the target member under the condition that the available shared limit is the available shared limit contained in the default processing result aiming at the target member; and (in the process of restoring the credit, restoring the credit corresponding to the additional transfer amount of the target member in the available shared credit to the target member) carrying out credit sharing on the target member under the condition that the available shared credit is the available shared credit contained in the default results of other members. It should be noted that, the target member may be any member in the association group, where the association member is a member other than the target member in the association group.

As shown in table 4, the available share amount 1k is obtained when the transfer amount of the member p1 in the month of trimester is 3k, but the transfer amount is 2k, but the transfer amount of the member p1 in the month of trimester is 3k, the actual transfer amount of the member p1 is 4k, and if the transfer of the member p1 is detected and the actual transfer amount is judged to be larger than the transfer amount, if the available share amount for the member p1 is not shared with other members, the resource compensation is performed based on the additional transfer amount in the actual transfer amount of the member p1, and after the resource compensation, the transfer amount of the member p1 adjusted to 2k in the month of trimester is restored to the planned 3k due to insufficient transfer of the member p1 in the month of trimester.

TABLE 4 Table 4

In order to avoid that the transfer-out amount of any member in the association group exceeds the transfer-out amount, in an alternative implementation manner provided in this embodiment, each payment made by any member through the shared resource account is verified, and if the verification passes, the payment is specifically verified, taking the target member as an example, by adopting the following manner:

acquiring a payment request of the target member based on the shared resource account;

verifying the payment authority of the target member based on the payment amount carried in the payment request, the transfer-out amount of the target member in the current period and the transferred-out amount;

And if the verification is passed, carrying out payment processing on the payment request based on the shared resource account.

Specifically, when a payment request of a target member based on a shared resource account is obtained each time, firstly determining the current period, then reading the transfer-out amount and the transferred-out amount of the current period, and then verifying the payment authority of the target member based on the transferred-out amount, the transfer-out amount and the payment amount carried in the payment request, namely verifying whether the sum of the payment amount and the transferred-out amount exceeds the transfer-out amount, if yes, determining that verification fails, and not allowing the target member to make the payment based on the shared resource account; if not, determining that the verification passes, and carrying out payment processing based on the shared resource account.

Under the condition that the transfer-out amount of any member in the association group is insufficient, in order not to influence the normal expenditure of the member, the member can realize the quota promotion of the transfer-out amount by applying for the transfer-out amount. In an alternative implementation manner provided in this embodiment, taking a target member as an example, the following manner is adopted to process the rating application of the member:

according to the rated application of the target member to the transfer-out amount of the third target period, voting processing of the rated application is carried out; the forehead application comprises the application limit of the target member;

And carrying out response processing of the rating application based on the voting processing result.

Specifically, after voting processing of the rating application, the target member is subjected to rating adjustment based on the voting processing result. The third target period is any period in the sub-plan.

Further, in an optional implementation manner provided in this embodiment, the response processing of the rating application based on the voting processing result is implemented in the following manner:

if the voting processing result is that the voting passes, carrying out limit adjustment on the transfer-out limit of the target member in the third target period based on the application limit, and sending an application result of successful application to the target member after the limit adjustment;

and if the voting processing result is that the voting is not passed, sending an application result of failed application to the target member.

Specifically, under the condition that any member submits a request for the denomination, an authorization management module initiates authorization voting to other members in the association group, the authorization management module counts the voting processing results according to instructions of the other members, and if the voting processing results of the authorization management module are modified, the transfer-out amount of the member is modified.

In the technical scheme of the application, when a person plan is designated by any member (for example, a target member) and a rating application is performed, the member initiates the person plan or the rating application, and the process of applying by other members in the association group can be understood as that any member initiates an authorization request of the person plan or the rating application to the association group, and corresponding processing is performed according to the authorization voting result of the association group.

Taking a target member designated personal plan as an example, acquiring a sub-plan submitted by the target member, carrying out voting processing of the association group based on the sub-plan, and determining whether the sub-plan is effective or not based on the voting processing result. Taking the rating application of the target member as an example, carrying out voting processing of the association group according to the rating application of the target member, and carrying out limit adjustment on the target member based on the voting processing result.

The following describes the method for processing the credit sharing provided in this embodiment, referring to fig. 2, by taking an application of the method for processing the credit sharing in the credit sharing scenario as an example, and specifically includes steps S202 to S212.

Step S202, detecting the transfer amount of the target member associated with the shared resource account of the associated group in the history period when the settlement time of the history period arrives.

In step S204, if the transfer-in amount is smaller than the transfer-in amount of the target member in the history period, the transfer-in difference and the quota are determined based on the transfer-in amount, and the default quota parameter recorded in the resource management plan of the shared resource account.

In step S206, the quota processing is performed on the outgoing quota of the target member in the next cycle of the history cycle based on the quota to obtain the available sharing quota.

In step S208, in the case that the transfer-in action of the association member in the next period is detected, the actual transfer-in amount of the association member in the next period is detected.

Wherein the associated member is a member other than the target member in the associated group.

Step S210, if the actual transfer amount is larger than the transfer amount of the associated member in the next period, inquiring whether available sharing amount exists;

if yes, go to step S212;

if not, the processing is not performed.

Step S212, carrying out credit sharing on the associated members in the next period based on the additional transfer amount and the available sharing credit.

Wherein the additional transfer-in amount is calculated based on the actual transfer-in amount and the transfer-in amount of the associated member in the next period.

The following describes the method for processing the credit sharing provided in this embodiment, referring to fig. 3, as an example of application of the method for processing the credit sharing in the credit restoration scenario, and specifically includes steps S302 to S314.

In step S302, when the settlement time of the history period arrives, the transfer amount of the target member associated with the shared resource account of the associated group in the history period is detected.

And step S304, if the transfer amount is smaller than the transfer amount of the target member in the history period, determining the target period for quota processing based on the default quota parameter recorded in the resource management plan of the shared resource account.

Step S306, a transfer allowance and a quota are determined based on the transfer amount, the transfer quota and the default quota parameter.

Step S308, the transfer-out quota of the target period is limited based on the quota and the available sharing quota is obtained.

In step S310, in the case where the transfer-in behavior of the target member in any period after the history period is detected, the actual transfer-in amount of the target member is detected.

Step S312, if the actual transfer amount is greater than the transfer amount of the target member in any period, inquiring whether an available sharing amount exists;

if yes, go to step S314;

if not, the processing is not performed.

In step S314, the amount corresponding to the transfer amount is added to the available sharing amount allocated to the target member in any period.

The additional transfer-in amount is calculated and obtained based on the actual transfer-in amount and the transfer-in amount of the target member in any period.

In summary, in the method for sharing and processing a credit line provided in this embodiment, in the first aspect, a shared resource account is integrated into a resource management plan system, and in combination with the association relationship of each member in the association group, the resource management plan is divided into a relationship of a whole (total plan) and a local (personal plan), so that each member in the resource management plan is mutually constrained; the resource management plan is provided with a default processing system, so that the resource behaviors (resource transfer-out and resource transfer-in) among the members are not only personal behaviors but also are constrained by the members in the association group based on the association relation;

in the second aspect, for the behavior information of the shared resource account, the ticket processing result is determined by a member initiating the shared resource account in a way that other members respectively take a candid photograph, and the ticket processing result is fed back to the initiating member and whether the ticket processing result is executed or not is determined, so that an authorization mode that an individual applies for authorization to a group and the group processes the authorization is realized and introduced.

Through the two aspects, supervision of a resource management plan of the shared resource account of one association group is realized, and members in the association group are mutually constrained, so that resource storage of the shared resource account is realized.

The embodiment of the credit sharing processing device provided in the present specification is as follows:

in the foregoing embodiments, a method for processing share of a credit is provided, and corresponding apparatus is also provided, and the description is given below with reference to the accompanying drawings.

Referring to fig. 4, a schematic diagram of a credit sharing processing apparatus according to the present embodiment is shown.

Since the apparatus embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions should be referred to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a credit sharing processing device, including:

a transfer amount detection module 402 configured to detect a transfer amount of a target member associated with the shared resource account of the associated group during the history period; the resource line of each member in the association group is recorded in a resource management plan of the association group for the shared resource account;

If the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, a limit processing module 404 is operated, and the limit processing module 404 is configured to perform limit processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, so as to obtain a limit processing result;

in the case that the actual transfer amount of the associated member in the second target period is greater than the transfer amount of the second target period, the credit sharing module 406 is operated, and the credit sharing module 406 is configured to share the credit based on the actual transfer amount and the credit processing result.

An embodiment of a credit sharing processing device provided in the present specification is as follows:

in response to the foregoing description of a method for sharing a credit, one or more embodiments of the present disclosure further provide a credit sharing device based on the same technical concept, where the credit sharing device is configured to execute the foregoing method for sharing a credit, and fig. 5 is a schematic structural diagram of the credit sharing device provided by the one or more embodiments of the present disclosure.

The credit sharing processing device provided in this embodiment includes:

As shown in fig. 5, the credit sharing processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 501 and a memory 502, where the memory 502 may store one or more storage applications or data. Wherein the memory 502 may be transient storage or persistent storage. The application program stored in the memory 502 may include one or more modules (not shown in the figures), each of which may include a series of computer executable instructions in the credit sharing processing device. Still further, the processor 501 may be configured to communicate with the memory 502 and execute a series of computer executable instructions in the memory 502 on the credit-sharing processing device. The credit sharing processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input/output interfaces 505, one or more keyboards 506, etc.

In one particular embodiment, a credit-sharing processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the credit-sharing processing device, and configured to be executed by one or more processors, the one or more programs including computer-executable instructions for:

Detecting the transfer-in amount of a target member associated with a shared resource account of the association group in a history period; the resource line of each member in the association group is recorded in a resource management plan of the association group for the shared resource account;

if the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, performing quota processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, and obtaining a quota processing result;

and under the condition that the actual transfer-in amount of the associated member in the second target period is larger than the transfer-in amount of the second target period, carrying out amount sharing based on the actual transfer-in amount and the limit processing result.

An embodiment of a storage medium provided in the present specification is as follows:

corresponding to the above-described method for processing share of the credit, one or more embodiments of the present disclosure further provide a storage medium based on the same technical concept.

The storage medium provided in this embodiment is configured to store computer executable instructions that, when executed by a processor, implement the following flow:

It should be noted that, in the present specification, the embodiment about the storage medium and the embodiment about the method for sharing the credit in the present specification are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the corresponding method, and the repetition is not repeated.

The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

In the 30 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each unit may be implemented in the same piece or pieces of software and/or hardware when implementing the embodiments of the present specification.

One skilled in the relevant art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present description can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present description is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

It should also be noted that 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, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

One or more embodiments of the present specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

The foregoing description is by way of example only and is not intended to limit the present disclosure. Various modifications and changes may occur to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims

1. A method for processing credit sharing includes:

acquiring a payment request of the association member based on the shared resource account;

Under the condition that the actual transfer-in amount of the associated member in the current period is larger than the transfer-in amount of the current period, carrying out the amount sharing of the current period based on the actual transfer-in amount and the limit processing result; and checking the payment authority of the associated member based on the payment amount carried in the payment request, the amount being the transferred amount and the transferred amount after the amount is shared, and performing payment processing on the payment request based on the shared resource account after the verification is passed.

2. The credit sharing processing method of claim 1, further comprising:

3. The credit sharing processing method according to claim 2, wherein the response processing of the rating application based on the voting processing result includes:

4. The credit sharing processing method of claim 1, further comprising:

and under the condition that the target transfer-in amount of the target member in the second target period is larger than the transfer-in amount of the target member in the second target period, carrying out amount restoration based on the target transfer-in amount and the limit processing result.

5. The quota sharing method according to claim 1, wherein the performing quota processing on the transfer-out quota of the target member in the first target period based on the transfer-in amount and the transfer-in quota, to obtain a quota processing result, includes:

6. The method for sharing credit according to claim 5, wherein the sharing credit based on the actual amount transferred and the result of the credit processing includes:

7. The credit sharing processing method of claim 1, further comprising:

8. The method for sharing and processing a credit according to claim 1, wherein the resource management plan records total transfer-in credit, total transfer-out credit and/or default credit parameters;

the total transfer-in amount and the total transfer-out amount are determined based on the sub-plans of the members; the default quota parameter is determined by the membership votes.

9. The credit sharing processing method according to claim 8, wherein the total transfer credit recorded in the resource management plan is equal to a sum of transfer credits of the members;

if the actual total transfer-in quota is smaller than the total transfer-in quota, determining an available sharing quota based on the actual total transfer-in quota, the total transfer-in quota and the default quota parameter; the available share line is used for distributing to the members of the excess transfer.

10. The credit sharing processing method of claim 1, further comprising:

11. A method for processing credit sharing includes:

under the condition that the target transfer-in amount of the target member in the second target period is greater than the transfer-in amount of the target user in the second target period, carrying out the amount restoration of the second target period based on the target transfer-in amount and the limit processing result;

and checking the payment authority of the target member based on the payment amount carried in the payment request, the transfer-out amount and the transferred-out amount after the amount is recovered, and carrying out payment processing on the payment request based on the shared resource account after the verification is passed.

12. A credit sharing processing apparatus comprising:

the transfer-in amount detection module is configured to acquire a payment request of the associated member based on the shared resource account, and detect the transfer-in amount of the target member associated with the shared resource account of the associated group in a history period; the resource line of each member in the association group is recorded in a resource management plan of the association group for the shared resource account;

If the transfer-in amount is detected to be smaller than the transfer-in amount of the target member in the history period, a limit processing module is operated, and the limit processing module is configured to perform limit processing on the transfer-out amount of the target member in the first target period based on the transfer-in amount and the transfer-in amount, so as to obtain a limit processing result;

under the condition that the actual transfer-in amount of the associated member in the current period is larger than the transfer-in amount of the current period, the credit sharing module is operated and configured to share the credit of the current period based on the actual transfer-in amount and the credit processing result; and checking the payment authority of the associated member based on the payment amount carried in the payment request, the amount being the transferred amount and the transferred amount after the amount is shared, and performing payment processing on the payment request based on the shared resource account after the verification is passed.

13. A credit sharing processing device, comprising:

a processor; the method comprises the steps of,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

14. A storage medium storing computer-executable instructions that when executed by a processor implement the following: