CN106844038B

CN106844038B - Method and device for determining resource use authority and resource provision

Info

Publication number: CN106844038B
Application number: CN201510886213.3A
Authority: CN
Inventors: 方腾飞
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2015-12-04
Filing date: 2015-12-04
Publication date: 2021-06-04
Anticipated expiration: 2035-12-04
Also published as: CN106844038A

Abstract

The method receives resource application information sent by a user when the resource usage right is determined, determines the resource quantity of the resource in the resource pool which the user has the right to use according to the resource application information aiming at each type of resource pool, and determines the sum of the resource quantities determined aiming at each type of resource pool as the resource usage right of the user. When resources are provided, resource obtaining requests sent by users are received, resources to be provided are respectively determined from resource pools of different types, wherein the sum of the resource amount of the resources to be provided, which is respectively determined from the resource pools of different types, is not less than the resource amount of the resources to be obtained, and the determined resources to be provided are provided for the users. By the method, the user does not need to submit the resource application information for many times, and does not need to respectively send the resource acquisition requests aiming at different types of resources, so that the convenience of user operation is effectively improved.

Description

Method and device for determining resource use authority and resource provision

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for determining resource usage rights and resource provisioning.

Background

With the continuous development of network technologies, resources that computer devices can provide for users are becoming diversified, for example, computer devices provide hard disk storage resources for users.

At present, in the prior art, for any type of resource provided by a computer device, before providing the resource to a user, the computer device needs to determine a resource usage right of the user, that is, a maximum resource amount that the user can use the resource, when determining the resource usage right of the user, the user can send resource application information to the computer device, after receiving the resource application information sent by the user, the computer device can determine the resource usage right of the user according to the resource application information, and subsequently, when the user uses the resource provided by the computer device, the computer device can execute a resource acquisition operation on the computer device to generate a resource acquisition request, and after receiving the resource acquisition request of the user, the computer device acquires a corresponding resource according to a resource type and a resource amount carried in the resource acquisition request, and provide the resources to the user.

For example, assuming that the computer device only provides a storage space (i.e. a resource) for a user with a registered user name, the user registers the user name on the computer device by submitting the identity information of the user, the computer device can provide the storage space for the user, and subsequently, the user prepares to create a new hard disk partition E on the basis of the existing hard disk partitions (assuming that the existing hard disk partitions are a hard disk partition C and a hard disk partition D), which requires to take out a part of the remaining storage space in the hard disk partition C or the hard disk partition D, so that the user performs a storage space acquisition operation on the computer device, and after receiving the resource acquisition request for acquiring 50G of the remaining storage space in the hard disk partition C and the resource acquisition request for acquiring 60G of the remaining storage space in the hard disk partition D input by the user, according to the two resource acquisition requests, respectively, 50G of the residual storage space is acquired from the hard disk C, 60G of the residual storage space is acquired from the hard disk D, and a hard disk partition E with a space of 110G is generated.

However, considering that in practical application, when a user applies for different types of resources, the submitted resource application information is likely to be the same, and in the prior art, the user needs to submit the resource application information for different types of resources, respectively, which reduces the convenience of user operation, and considering that in practical application, when the user obtains resources, the user is likely to not pay attention to the type of the obtained resources, but only to the total amount of the obtained resources, as in the above example, the user only wants to generate a 110G space hard disk partition E, but does not pay attention to how much 110G space should be obtained from the existing hard disk partition C and hard disk partition D, but in the prior art, when the user obtains resources, the computer device generally requires the user to send resource obtaining requests for different types of resources, as in the above example, the user needs to send resource obtaining requests for obtaining a certain space for hard disk partition C and hard disk partition D, respectively This also reduces the convenience of the user operation.

Disclosure of Invention

The embodiment of the application provides a resource providing method and device, which are used for solving the problem that in the prior art, users need to respectively submit resource applications and respectively send resource acquisition requests for different types of resources, so that the operation convenience of the users is low.

The method for determining the resource use authority provided by the embodiment of the application comprises the following steps:

receiving resource application information sent by a user;

for each type of resource pool, determining the resource amount of the resource in the resource pool which the user has the right to use according to the resource application information;

and determining the sum of the resource quantity determined for each type of resource pool as the resource usage permission of the user.

The resource providing method provided by the embodiment of the application comprises the following steps:

receiving a resource acquisition request sent by a user, wherein the resource acquisition request carries the resource amount of resources to be acquired;

according to the resource obtaining request, respectively determining resources to be provided from resource pools of different types, wherein the sum of the resource amount of the resources to be provided, which is respectively determined from the resource pools of different types, is not less than the resource amount of the resources to be obtained;

and providing the determined resources to be provided for the user.

receiving loan application information sent by a user;

for each type of loan pool, determining the loan amount of the loan in the loan pool which the user has the right to use according to the loan application information;

and determining the sum of the loan amounts determined for each type of loan pool as the loan usage right of the user.

receiving a loan acquisition request sent by a user, wherein the loan acquisition request carries a loan amount;

according to the loan acquisition request, respectively determining loans to be provided from different types of loan pools, wherein the sum of the amounts of the loans to be provided, which are respectively determined from the different types of loan pools, is equal to the loan amount carried in the loan acquisition request;

the loan to be offered is provided to the user.

The device for determining the resource use authority provided by the embodiment of the application comprises:

the receiving module is used for receiving resource application information sent by a user;

the resource quantity determining module is used for determining the resource quantity of the resource in each type of resource pool which the user has the authority to use according to the resource application information;

and the permission determining module is used for determining the sum of the resource quantity determined aiming at each type of resource pool as the resource use permission of the user.

The device for providing resources provided by the embodiment of the application comprises:

the system comprises a receiving module, a resource obtaining module and a resource obtaining module, wherein the receiving module is used for receiving a resource obtaining request sent by a user, and the resource obtaining request carries the resource quantity of resources to be obtained;

the determining module is used for respectively determining resources to be provided from different types of resource pools according to the resource obtaining request, wherein the sum of the resource amounts of the resources to be provided respectively determined from the different types of resource pools is not less than the resource amount of the resources to be obtained;

and the providing module is used for providing the determined resources to be provided for the user.

the receiving module is used for receiving loan application information sent by a user;

the loan amount determining module is used for determining the loan amount of the loan in each type of loan pool which the user has the right to use according to the loan application information;

and the permission determining module is used for determining the sum of the loan amounts determined aiming at each type of loan pool as the loan use permission of the user.

the system comprises a receiving module, a sending module and a processing module, wherein the receiving module is used for receiving a loan acquisition request sent by a user, and the loan acquisition request carries a loan amount;

the determining module is used for respectively determining loans to be provided from different types of loan pools according to the loan obtaining request, wherein the sum of the amounts of the loans to be provided respectively determined from the different types of loan pools is equal to the loan amount carried in the loan obtaining request;

and the providing module is used for providing the loan to be provided to the user.

The embodiment of the application provides a method and a device for determining resource usage permission and resource provision, and the method comprises the steps of receiving resource application information sent by a user when determining the resource usage permission, determining the resource quantity of a resource in a resource pool which the user has permission to use according to the resource application information for each type of resource pool, and determining the sum of the resource quantity determined for each type of resource pool as the resource usage permission of the user. When resources are provided, resource obtaining requests which are sent by users and carry the resource quantity of the resources to be obtained are received, the resources to be provided are respectively determined from resource pools of different types, wherein the sum of the resource quantity of the resources to be provided, which is respectively determined from the resource pools of different types, is not less than the resource quantity of the resources to be obtained, and the determined resources to be provided are provided for the users. By the method, the user does not need to submit the resource application information for many times, and does not need to respectively send the resource acquisition requests aiming at different types of resources, so that the convenience of user operation is effectively improved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

FIG. 1 is a process for determining resource usage rights according to an embodiment of the present application;

fig. 2 is a process of resource provisioning provided by an embodiment of the present application;

FIG. 3 is a process for determining loan usage rights, as provided by an embodiment of the application;

fig. 4 is a process of loan provision provided by an embodiment of the application;

FIG. 5 is a schematic structural diagram of an apparatus for determining resource usage rights according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of a resource providing apparatus according to an embodiment of the present application;

FIG. 7 is a schematic structural diagram of an apparatus for determining loan use authority according to an embodiment of the present application;

fig. 8 is a schematic structural diagram of an apparatus for providing loan, according to an embodiment of the present disclosure.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

Fig. 1 is a process for determining resource usage permission provided in an embodiment of the present application, which specifically includes the following steps:

s101: and receiving resource application information sent by a user.

In practical application, a user usually needs to have a right to obtain a corresponding resource through a computer or other device, so that in an application, the user needs to submit resource application information through the computer or other device before obtaining the resource, and the computer or other device can determine the resource usage right of the user based on the resource application information, that is, the user can use the maximum resource amount of the resource at all.

Therefore, in the present application, the receiving of the resource application information sent by the user is performed by a computer device, and may be performed by a device having a data processing function, such as a server.

For example, suppose that a user prepares to create a 100G hard disk partition E on the basis of existing hard disk partitions in the computer device (assuming that the existing hard disk partitions are the hard disk partition C and the hard disk partition D), so that the user performs an application operation of a storage space on the computer device (i.e., sends resource application information to the computer device), and when the computer device recognizes the application operation performed by the user, the resource usage right of the user can be determined through the subsequent steps.

S102: and aiming at each type of resource pool, determining the resource quantity of the resource in the resource pool which the user has the authority to use according to the resource application information.

In practical applications, resources are generally divided into different types, and resources of the same type are all placed in the same resource pool, for example, a hard disk partition C is a resource pool, a hard disk partition D is another resource pool, and a storage space in the hard disk partition C and a storage space in the hard disk partition D are resources of different types.

In addition, in the present application, each resource pool corresponds to a resource amount determination rule, the resource amount determination rule includes a manner of determining a resource amount of a resource that can be used by a user according to resource application information, and the resource amount determination rules corresponding to each resource pool may be the same or different, that is, the computer device may determine, according to the resource amount determination rule corresponding to each resource pool, a resource amount of a resource that the user has a right to use each resource pool, that is, the resource amount generally refers to a maximum resource amount.

Continuing the above example, assume that the resource amount determination rule corresponding to both hard disk partition C and hard disk partition D in the computer device is: and taking the residual storage space capacity in the hard disk partition as the storage space capacity which is used by the user with the authority. Then, when the computer device receives the resource application information sent by the user, the remaining storage space capacity in the hard disk partition C (assuming that the remaining storage space capacity of the hard disk partition C is 100G) is used as the storage space capacity of the hard disk partition C that the user has the authority to use, and the remaining storage space capacity in the hard disk partition D (assuming that the remaining storage space capacity of the hard disk partition D is 110G) is used as the storage space capacity of the hard disk partition D that the user has the authority to use.

S103: and determining the sum of the resource quantity determined for each type of resource pool as the resource usage permission of the user.

In the application, when the resource usage right of the user is displayed, the resource usage right of each type of resource is not displayed to the user, and the resource usage right represents the maximum resource amount of the resource which can be used by the user.

Continuing with the above example, the server adds the determined remaining storage space capacity 100G in the hard disk partition C to the remaining storage space capacity 110G in the hard disk partition D, i.e. 210G, as the resource usage right of the user, i.e. the maximum resource amount that the user can use the storage space is 210G.

By the method, when the user applies for different types of resources, the user does not need to submit the resource application information for many times, and only needs to submit the resource application information once.

In practical application, there may be a case where the resource amount of the resource used by the subsequent user is insufficient in the process of using the resource provided by the computer device, and therefore, in the present application, in order to obtain more resource amounts, the subsequent user may submit additional application information through the computer device again, and the computer device may determine, in each resource pool, a resource pool corresponding to the additional application information according to the additional application information, determine, according to the additional application information, the resource amount of the additional resource in the resource pool corresponding to the additional application information that the user has the right to use, and re-determine the resource usage right of the user according to the determined resource amount of the additional resource and the sum of the resource amounts.

In addition, in practical application, there may be a case that the resource provided by the computer device has a time limit, that is, the user can only use the resource within a certain time period, and the resource cannot be used any more after the time period elapses.

Since the resource amount of the resource used by the user has the validity period, that is, the user cannot use the resource in the resource pool after exceeding the validity period, when the validity period determined for any type of resource pool expires, the resource usage permission of the user also changes, that is, the maximum resource amount that the user can use changes, or when the user uses the resource, the resource usage permission of the user also changes, and therefore, in the application, when the user uses the resource, or when the validity period determined for any type of resource pool expires, the computer device may re-determine the resource usage permission of the user. Of course, the computer device may also periodically re-determine the resource usage right of the user according to a preset time interval, where the preset time interval may be set as needed, for example, set to 1 day, 1 hour, and the like.

In the method for determining resource usage permission provided by the present application, after the computer device determines the resource usage permission of the user, the resource in the resource usage permission can be provided to the user according to the determined resource usage permission of the user, and the whole process of providing the resource for the user by the computer device is shown in fig. 2.

Fig. 2 is a process of resource provision provided in the embodiment of the present application, which specifically includes the following steps:

s201: receiving a resource acquisition request sent by a user, wherein the resource acquisition request carries the resource amount of resources to be acquired.

In practical applications, a user usually needs to acquire a corresponding resource through a computer or other devices, and therefore, in the embodiment of the present application, receiving a resource acquisition request sent by the user is also completed by the computer device, and certainly may be completed by a device having a data processing function.

In practical application, when a user acquires a resource, the user is likely not to be concerned about the type of the acquired resource, but only about the total amount of the acquired resource, so in the present application, the resource acquisition request may only carry the total amount of the resource to be acquired, and does not need to carry the type of the resource to be acquired.

For example, assuming that the computer device has determined that the storage space usage right of the user is 500G, the user prepares to create a 100G hard disk partition E on the basis of the existing hard disk partitions in the computer device (assuming that the existing hard disk partitions are hard disk partition C and hard disk partition D), which requires taking out a part of the remaining storage space in hard disk partition C or hard disk partition D, so that the user performs the storage space acquisition operation on the computer device, that is, the computer device receives a resource acquisition request sent by the user and carrying the space capacity (i.e., 100G) of the storage space to be acquired, and accordingly responds accordingly.

S202: and respectively determining resources to be provided from resource pools of different types according to the resource acquisition request, wherein the sum of the resource amount of the resources to be provided respectively determined from the resource pools of different types is not less than the resource amount of the resources to be acquired.

In the embodiment of the present application, although the user does not pay attention to the type of the acquired resource, but only to the amount of the acquired resource, however, in practical applications, since resources are usually divided into different types, for example, the storage space in the hard disk partition C is one type, the storage space in the hard disk partition D is of another type, and resources of the same type are put together to form a resource pool, so that, in the present application, after receiving a resource acquisition request from a user, a computer device may, based on the resource amount of the resource to be acquired carried in the resource acquisition request, respectively determining the resources to be provided from different types of resource pools according to a preset mode of determining the resources to be provided, and respectively determining the sum of the resource quantity of the resources to be provided from the resource pools of different types to be not less than the resource quantity of the resources to be obtained.

For the above mentioned method for determining resources to be provided, since the resource obtaining request carries the resource amount of the resources to be provided, in the present application, the resources to be provided can be respectively determined from different types of resource pools according to the preset resource amount ratio and according to the resource obtaining request.

It should be noted that, the above description is only an exemplary description of the manner of determining the resource to be provided, but the manner of determining the resource to be provided is not unique, for example, first obtaining the resource from the resource pool with the minimum resource amount until the resource in the resource pool is obtained, then determining the resource pool with the minimum resource amount from the resource pools from which the remaining users can have the right to obtain the resource, and obtaining the resource from the resource pool until it is determined that the sum of the resource amounts of the resource to be provided is not less than the resource amount of the resource to be obtained.

Continuing with the above example, assume that the manner in which the storage space to be provided is determined is: the ratio of the storage space of the hard disk partition C to the storage space of the hard disk partition D is 1:1, the capacity of the remaining storage space of the hard disk partition C is 100G, the capacity of the remaining storage space of the hard disk partition D is 110G, and after receiving a resource acquisition request which is sent by a user and carries the space capacity (namely 100G) of the storage space to be acquired, the computer device determines that the resource to be provided is 50G from the hard disk partition C according to a preset mode of determining the storage space to be provided and determines that the resource to be provided is 50G from the hard disk partition D.

S203: and providing the determined resources to be provided for the user.

Continuing to use the above example, after the computer device acquires the 50G storage space from the hard disk partition C and acquires the 50G storage space from the hard disk partition D, a hard disk partition E with a 100G storage space is newly created.

By the method, when the user acquires the resource, the user does not need to respectively execute the operation of the resource acquisition request aiming at different types of resources, but only needs to execute the operation of the resource acquisition request once, for example, in the examples in the steps S201 to S203, the user does not need to respectively execute the operation of acquiring the storage space aiming at each hard disk partition, and only needs to execute the operation of acquiring the storage space once, so that the convenience of the user operation is improved.

In view of the fact that in practical application, there may be a situation that a resource to be used is returned in a process of subsequently reusing the resource by a user, for example, after the user creates a new hard disk partition E, the hard disk partition E may be deleted, and a storage space in the hard disk partition E is no longer used, so for the situation, in the present application, the computer device may receive the resource returned by the user, and according to the proportions of the resources to be provided determined from different types of resource pools and the return rules respectively corresponding to the resource pools of each type, add the resource returned by the user to each resource pool again.

Continuing the above example, after the user uses the newly created hard disk partition E for a period of time, the hard disk partition E is directly deleted, the computer device receives the storage space returned by the user, and directly returns the resource in the manner of determining the storage space to be provided in step S202, that is, 50G of storage space is newly added to the hard disk partition C, and another 50G of storage space is newly added to the hard disk partition D.

In the above method for providing resources provided in the embodiment of the present application, in order to more clearly describe the resource usage right and the method for providing resources in the present scheme, the present application will take the resources as loans for example and describe in detail.

Fig. 3 is a process for determining loan use permission according to an embodiment of the present application, which specifically includes the following steps:

s301: and receiving loan application information sent by the user.

In practical applications, users have become more and more common to use loans, but before using loans, users need to submit loan application information to a server to determine the loan application authority of the users, so in the application, the server first receives the loan application information sent by the users, wherein the loan application information can carry: the user identity information (such as identity card number and the like), the house property information, the vehicle property information and the like can also carry the historical loan obtaining times of the user, if the historical loan obtaining times of the user are more, the loan amount of the loan which the user has the authority to obtain is larger, that is, the loan amount which the server can provide for the user is larger along with the increase of the historical loan obtaining times of the user.

For example, assuming that the server can provide three types of loans to a user, i.e., credit loans, house loans, vehicle loans, a user needs to use a loan, and therefore, the user sends loan application information to the server as: and the server receives loan application information sent by the user and makes a corresponding response.

S302: and for each type of loan pool, determining the loan amount of the loan in the loan pool which the user has the right to use according to the loan application information.

In practical application, in order to meet personalized requirements of different users, a plurality of different types of loans can be provided, each type of loans can be regarded as a loan pool, and different application information needs to be used due to different types of loans, that is, house loans need house property certificates, and vehicle loans need vehicle property certificates, so in the application, a loan amount determination rule is set for each type of loans, and the loan amount determination rule includes application information (which may be all loan application information in the loan application information or some loan application information in the loan application information) required for determining a loan amount, and a manner how to determine the loan amount according to the required application information.

In the application, the server determines the loan amount of the loan in each type of loan pool according to the loan application information and the loan amount determination rule corresponding to each type of loan pool.

Continuing with the above example, assume that the loan amount determination rule for the house loan is: determining a loan amount according to eighty percent of the price according to the price of the house related in the house certification in the loan application information; the loan amount determination rule of the vehicle loan is as follows: determining a loan amount according to fifty percent of a price of a vehicle involved in the vehicle certification in the loan application information; the loan amount determination rule of the credit loan is as follows: and acquiring the running total of the bank of the user in the past three months according to the identity card information in the loan application information, and determining the loan amount according to thirty percent of the running total.

Assuming that the price of a house is 200 thousands, the price of a vehicle is 10 thousands, the running total of banks in the past three months is 10 thousands, the server determines that the loan amount of the house loan which can be used by the user is 160 thousands, the loan amount of the vehicle loan is 5 thousands, and the loan amount of the credit loan is 3 thousands according to the loan application information submitted by the user, that is, the loan amount of the loan in the loan pool in which the user has the authority to use the house loan type is 160 thousands, the loan amount of the loan in the loan pool in which the user has the authority to use the vehicle loan type is 5 thousands, and the loan amount of the loan in the loan pool in which the user has the authority to use the credit loan type is 3 thousands.

S303: and determining the sum of the loan amounts determined for each type of loan pool as the loan usage right of the user.

Continuing with the above example, the server adds the determined loan amount of 160 ten thousand in the house loan, the loan amount of 5 thousand in the vehicle loan, and the loan amount of 3 thousand in the credit loan, i.e. 168 thousand, as the user's loan usage right, i.e. the maximum loan amount that the user can use.

By the method, when the user applies for different types of loans, the user does not need to submit the loan application information for many times, but only needs to submit the loan application information once, and after the server receives the loan application information submitted by the user, the loan use permission of each type of loan can be directly determined, so that the convenience of user operation is improved.

In practical applications, after the processing of steps S301 to S303, 168 ten thousand are taken as the loan use permission of the user, however, there may be a case where the user considers that 168 ten thousand loan use permission is not enough, and therefore, in the present application, in order to obtain more loan amount, the subsequent user may send additional application information to the server again, where the additional application information is different from the loan application information related to step S301, and after the server receives the additional application information sent by the user, in each loan pool, the loan pool corresponding to the additional application information is determined according to the additional application information, and the loan amount in the loan pool corresponding to the additional application information which the user has permission to use is determined according to the additional application information, and according to the sum of the determined loan amount of the additional loan and the loan amount, and re-determining the loan use authority of the user.

Continuing with the above example, assume that the subsequent user considers 168 thousands of users to be not enough, and therefore, the user sends the additional application information to the server again as follows: and a set of house property certification in another cell, wherein the house price is 100 ten thousand, the server determines a loan pool corresponding to the house loan type according to the house property certification, that is, the server can determine the loan amount of the extra loan of the user to be 80 ten thousand according to the loan amount determination rule of the house loan type loan pool, and adds the determined loan amount of the extra loan of 80 thousand and 168 thousand, namely 248 thousand to be used as the loan use permission of the user again.

In addition, in practical application, for each type of loan, the server generally needs to determine a validity period corresponding to the loan amount in addition to the loan use permission of the user for the user, specifically, for each type of loan pool, the server may determine, according to the loan application information, the loan amount and validity period that the user has permission to use the loan in the loan pool, and subsequently, when the user extracts the loan, or when the validity period determined for any type of loan pool expires, the server may redetermine the loan use permission of the user. Of course, the server may also periodically re-determine the loan use permission of the user at preset time intervals, and the preset time intervals may be set as required.

The method for determining resource use permission provided by the application is characterized in that after the server determines the loan use permission of the user, the server can provide the user with a loan in the loan use permission according to the determined loan use permission of the user, and the whole process of providing the user with the loan by the server is shown in fig. 4.

Fig. 4 shows a loan provision process provided in an embodiment of the present application, which specifically includes the following steps:

s401: receiving a loan acquisition request sent by a user, wherein the loan acquisition request carries a loan amount.

Continuing the example in step S303, the user has 168 thousands of loan use permissions, and the user needs to use a loan subsequently, so the server receives a loan acquisition request carrying the amount of the loan to be acquired of 100 thousands sent by the user, and the server receives the loan acquisition request and makes a corresponding response.

S402: and according to the loan acquisition request, determining loans to be provided from different types of loan pools respectively.

In the embodiment of the application, after receiving a loan acquisition request of a user, a server can respectively determine loans to be provided from different types of loan pools according to loan amounts of loans to be acquired carried in the resource acquisition request and a preset method for determining loans to be provided, wherein the sum of the loan amounts of loans to be provided respectively determined from the different types of loan pools is equal to the loan amount of the loans to be acquired.

For the above method for determining the to-be-offered loan, since the loan resource request carries the loan amount of the to-be-offered loan, the method may be used to determine the to-be-offered loan, specifically, the to-be-offered loan is determined from different types of loan pools according to the loan acquisition request and the preset loan proportion.

In the case of loan, the loan to the user is related to the repayment interest rate, so that in order to better maintain the interests of the user, the loan may be provided from the loan pool with the minimum repayment interest rate.

Therefore, in the application, loans to be provided can be determined in the following manner, the loan amount of a user corresponding to each type of loan pool is determined, loans to be provided are sequentially determined from each type of loan pool according to the sequence that the repayment interest rate corresponding to each type of loan pool is from small to large, until the sum of the determined amounts of the loans to be provided is equal to the loan amount carried in the loan acquisition request, wherein for each type of loan pool, the amount of the loans to be provided is determined from the type of loan pool to be not greater than the loan amount of the user corresponding to the type of loan pool.

Continuing with the above example, assuming that the repayment rate of the house loan (i.e., the loan pool) is 4%, the repayment rate of the vehicle loan is 3%, and the repayment rate of the credit loan is 2%, the server first determines that the loan to be provided is 3 thousands from the loan pool of the credit loan type having the smallest repayment rate, and at this time, the loan amount in the credit loan is used up, then determines the loan having the smallest repayment rate from the loan pool of the house loan type and the loan pool of the vehicle loan type that can also provide the loan for the user, that is, the loan pool of the vehicle loan type, determines that the loan to be provided is 5 thousands, and determines that the loan to be provided is 92 thousands from the loan pool of the house type.

S403: the loan to be offered is provided to the user.

By the method, when obtaining the loan, the user does not need to perform the operation of obtaining the loan for different types of loans respectively, but only needs to perform the operation of obtaining the loan once, for example, in the examples in the steps S401 to S403, the user does not need to perform the operation of obtaining the loan for each type of loan respectively, but only needs to perform the operation of obtaining the loan once, so that the convenience of the user operation is improved.

In practical application, after the user uses the loan, the user needs to pay the loan later, and in the application, the following two payment modes can be adopted:

the first repayment mode: and receiving repayment of the user, and adding the repayment into the loan pools of various types according to the proportion of the loans to be provided, which is determined from the loan pools of different types respectively, and the repayment interest rate corresponding to the loan pools of various types respectively.

For example, assume that the server provides three types of loans to the user, i.e., credit loans, house loans, vehicle loans, and that the manner in which the loan is determined to be provided is: the proportion of loans to be offered is determined from the three types of loan pools to be 1:1: 1.

The user returns 3 thousands of loans to the server in a repayment manner in a proportion consistent with the manner in which the loan is determined to be provided, so that the server adds 1 million to a loan pool of a credit loan type, 1 million to a loan pool of a house loan type, and 1 million to a loan pool of a vehicle loan type.

The second payment mode is as follows: receiving repayment of a user, determining a loan pool with the largest repayment interest rate in a designated loan pool, and adding the repayment into the determined loan pool, wherein for one loan pool, if the sum of the repayment amount of the user added into the loan pool is smaller than the amount of the loan to be provided, which is determined from the loan pool, the loan pool is the designated loan pool, and the amount of the loan to be provided refers to the sum of the loan to be provided and the repayment interest rate, which is determined from the loan pool.

For example, it is assumed that the server provides three types of loans to the user, i.e., a credit loan, a house loan, a vehicle loan, the repayment rate of the credit loan type loan pool is 2%, the repayment rate of the house loan type loan pool is 4%, the repayment rate of the vehicle loan type loan pool is 3%, and the user uses 3 ten thousand loans, uses 92 ten thousand house loans, and uses 5 ten thousand vehicle loans.

At this time, the user does not make any repayment, that is, the repayment amount of the user added to the three types of loan pools is 0 and is smaller than the loan to be provided determined from the three types of loan pools, so the three types of loan pools are all designated loan pools. And the subsequent user returns 20 thousands of loans to the server, the server determines that the loan pool with the largest repayment rate among the designated loan pools (the designated loan pools are the three types of loan pools), is the house-type loan pool, and therefore, 20 thousands of loans are added to the house-type loan pool.

Based on the same idea, the present embodiment provides four devices, namely, a device for determining resource usage authority, as shown in fig. 5, a device for determining resource usage authority, as shown in fig. 6, a device for determining loan usage authority, as shown in fig. 7, and a device for providing a loan, as shown in fig. 8.

Fig. 5 is a schematic structural diagram of an apparatus for determining resource usage rights according to an embodiment of the present application, where the apparatus includes:

a receiving module 501, configured to receive resource application information sent by a user;

a resource amount determining module 502, configured to determine, for each type of resource pool, a resource amount that the user has a right to use a resource in the resource pool according to the resource application information;

and an authority determining module 503, configured to determine, as the resource usage authority of the user, a sum of the resource amounts determined for each type of resource pool.

The receiving module 501 is further configured to receive additional application information sent by a user;

the resource amount determining module 502 is further configured to, in each resource pool, determine a resource pool corresponding to the additional application information according to the additional application information, and determine, according to the additional application information, a resource amount of an additional resource in the resource pool corresponding to the additional application information, which the user has a right to use;

the permission determining module 503 is further configured to re-determine the resource usage permission of the user according to the determined resource amount of the additional resource and the sum of the resource amounts.

The resource amount determining module 502 is specifically configured to determine, according to the resource application information, a resource amount and a validity period that the user has a right to use a resource in the resource pool;

the permission determination module 503 is further configured to re-determine the resource usage permission of the user when the user uses the resource, or when the validity period determined for any type of resource pool expires; or, according to a preset time interval, re-determining the resource usage right of the user.

Fig. 6 is a schematic structural diagram of a device for providing resources according to an embodiment of the present application, where the device includes:

a receiving module 601, configured to receive a resource acquisition request sent by a user, where the resource acquisition request carries a resource amount of a resource to be acquired;

a determining module 602, configured to determine resources to be provided from resource pools of different types according to the resource obtaining request, where a sum of resource amounts of the resources to be provided determined from the resource pools of different types is not less than a resource amount of the resource to be obtained;

a providing module 603, configured to provide the determined resource to be provided to the user.

The determining module 602 is specifically configured to determine, according to the resource obtaining request and according to a preset resource amount ratio, resources to be provided from resource pools of different types, respectively.

The device further comprises:

and the resource returning module 604 is configured to receive the resources returned by the user, determine the proportion of the resources to be provided according to the resource pools of different types, and add the resources returned by the user to the resource pools of each type according to the returning rules respectively corresponding to the resource pools of each type.

Fig. 7 is a schematic structural diagram of an apparatus for determining loan use permission according to an embodiment of the present application, where the apparatus includes:

the receiving module 701 is used for receiving loan application information sent by a user;

a loan amount determination module 702, configured to determine, for each type of loan pool, a loan amount for which the user has permission to use a loan in the loan pool, according to the loan application information;

and the permission determining module 703 is configured to determine the sum of the loan amounts determined for each type of loan pool as the loan usage permission of the user.

The receiving module 701 is further configured to receive additional application information sent by a user;

the loan amount determining module 702 is further configured to, in each loan pool, determine, according to the additional application information, a loan pool corresponding to the additional application information, and determine, according to the additional application information, a loan amount of an additional loan in the loan pool to which the user has permission to use the additional application information;

the permission determination module 703 is further configured to determine the loan use permission of the user again according to the determined loan amount of the extra loan and the sum of the loan amounts.

The loan amount determining module 702 is specifically configured to determine, according to the loan application information, a loan amount and a validity period of a loan in the loan pool which the user has a right to use;

the permission determination module 703 is further configured to re-determine the user's loan usage permission when the user provides a loan, or when the determined validity period expires for any type of loan pool; or, according to a preset time interval, the loan use authority of the user is determined again.

Fig. 8 is a schematic structural diagram of an apparatus for providing a loan, according to an embodiment of the present application, where the apparatus includes:

the receiving module 801 is configured to receive a loan acquisition request sent by a user, where the loan acquisition request carries a loan amount;

a determining module 802, configured to determine loans to be provided from different types of loan pools according to the loan obtaining request, where a sum of amounts of loans to be provided determined from the different types of loan pools is equal to a loan amount carried in the loan obtaining request;

a providing module 803 for providing the loan to be provided to the user.

The determining module 802 is specifically configured to determine loans to be provided from different types of loan pools according to the loan obtaining request and a preset loan proportion; or determining the loan amount of the user corresponding to each type of loan pool, and sequentially determining loans to be provided from each type of loan pool according to the sequence that the repayment interest rate corresponding to each type of loan pool is from small to large until the sum of the determined amounts of the loans to be provided is equal to the loan amount carried in the loan acquisition request, wherein for each type of loan pool, the amount of the loans to be provided is determined to be not more than the loan amount of the user corresponding to the type of loan pool.

The device further comprises:

the resource repayment module 804 is used for receiving repayment of the user, and adding the repayment into each type of loan pool according to the proportion of loans to be provided, which are respectively determined from the different types of loan pools, and the repayment interest rate respectively corresponding to each type of loan pool; or receiving repayment of the user, determining a loan pool with the largest repayment interest rate in the designated loan pool, and adding the repayment to the determined loan pool, wherein for one loan pool, if the sum of repayment amounts of the user added to the loan pool is less than the amount of the loan to be provided, which is determined from the loan pool, the loan pool is the designated loan pool.

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

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

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 computer storage media 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 magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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 an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

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

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method of determining resource usage rights, the method comprising:

receiving resource application information sent by a user;

for each type of resource pool in all types of resource pools, determining the maximum resource amount of the resource in the resource pool which the user has the right to use according to the resource application information;

determining the sum of the maximum resource amount determined for each type of resource pool as the resource usage right of the user,

the sum of the maximum resource amounts determined for each type of resource pool is obtained by summing the maximum resource amounts determined for different types of resource pools.

2. The method of claim 1, wherein the method further comprises:

receiving additional application information sent by a user;

in each resource pool, determining a resource pool corresponding to the additional application information according to the additional application information;

determining the resource quantity of the extra resources in the resource pool corresponding to the extra application information which the user has the authority to use according to the extra application information;

and re-determining the resource use permission of the user according to the determined resource amount of the additional resource and the sum of the resource amounts.

3. The method of claim 1, wherein determining, according to the resource application information, the resource amount of the resource in the resource pool that the user has the right to use specifically comprises:

determining the resource quantity and the validity period of the resource in the resource pool which the user has the right to use according to the resource application information;

the method further comprises the following steps:

when the user uses the resources, or when the determined validity period for any type of resource pool expires, re-determining the resource usage permission of the user; or

And re-determining the resource use authority of the user according to a preset time interval.

4. A method of resource provisioning, the method comprising:

respectively determining resources to be provided from resource pools of different types according to the resource acquisition request, wherein the sum of the resource amount of the resources to be provided respectively determined from the resource pools of different types is not less than the resource amount of the resources to be acquired,

the sum of the resource amounts of the resources to be provided respectively determined from the resource pools of different types is obtained by determining the maximum resource amount of the resources in the resource pool which the user has the right to use for each type of resource pool in the resource pools of all types and summing the maximum resource amounts determined from the resource pools of different types; and providing the determined resources to be provided for the user.

5. The method of claim 4, wherein determining resources to be provided from different types of resource pools according to the resource acquisition request comprises:

and respectively determining resources to be provided from different types of resource pools according to the resource acquisition request and a preset resource quantity proportion.

6. The method of claim 4, wherein the method further comprises:

receiving resources returned by a user;

and adding the resources returned by the user into the resource pools of various types according to the proportion of the resources to be provided which are respectively determined from the resource pools of different types and the return rules respectively corresponding to the resource pools of various types.

7. A method of determining resource usage rights, the method comprising:

receiving loan application information sent by a user;

determining, for each of all types of loan pools, a maximum loan amount for which the user has permission to use a loan in the loan pool, based on the loan application information;

determining the sum of the maximum loan amounts determined for each type of loan pool as the user's loan usage rights,

the sum of the maximum loan amounts determined for each type of loan pool is obtained by summing the maximum loan amounts determined for the different types of loan pools.

8. The method of claim 7, wherein the method further comprises:

receiving additional application information sent by a user;

in each loan pool, determining a loan pool corresponding to the additional application information according to the additional application information;

determining the loan amount of an extra loan in a loan pool corresponding to the extra application information, which the user has the right to use, according to the extra application information;

and re-determining the loan use permission of the user according to the determined loan amount of the extra loan and the sum of the loan amounts.

9. The method of claim 7, wherein determining, based on the loan application information, a loan amount for which the user has permission to use the loan in the loan pool, comprises:

determining the loan amount and the validity period of the loan in the loan pool which the user has the right to use according to the loan application information;

the method further comprises the following steps:

when the user extracts the loan, or when the determined validity period for any type of loan pool expires, the loan use authority of the user is determined again; or

And according to a preset time interval, re-determining the loan use authority of the user.

10. A method of resource provisioning, the method comprising:

according to the loan acquisition request, respectively determining loans to be provided from different types of loan pools, wherein the sum of the amounts of the loans to be provided respectively determined from the different types of loan pools is equal to the loan amount carried in the loan acquisition request,

the sum of the amounts of the loans to be provided, which are respectively determined from the different types of loan pools, is obtained by determining the maximum loan amount of the loans in the loan pool which the user has the right to use for each type of loan pool and summing the maximum loan amounts determined from the different types of loan pools;

the loan to be offered is provided to the user.

11. The method of claim 10, wherein the determining that loans are to be offered from different types of loan pools according to the loan acquisition request comprises:

determining loans to be provided from different types of loan pools according to the loan acquisition request and a preset loan proportion; or

Determining the loan amount of the user corresponding to each type of loan pool, sequentially determining loans to be provided from each type of loan pool according to the sequence that the repayment interest rate corresponding to each type of loan pool is from small to large until the sum of the determined amounts of the loans to be provided is equal to the loan amount carried in the loan acquisition request, wherein for each type of loan pool, the amount of the loans to be provided is determined to be not more than the loan amount of the user corresponding to the type of loan pool.

12. The method of claim 10, wherein the method further comprises:

receiving repayment of a user, and adding the repayment into the loan pools of various types according to the proportion of loans to be provided, which is respectively determined from the loan pools of different types, and the repayment interest rates respectively corresponding to the loan pools of various types; or

Receiving repayment of a user, determining a loan pool with the largest repayment interest rate in a designated loan pool, and adding the repayment into the determined loan pool, wherein for one loan pool, if the sum of repayment amounts of the user added into the loan pool is less than the amount of a loan to be provided, which is determined from the loan pool, the loan pool is the designated loan pool.

13. An apparatus for determining resource usage rights, the apparatus comprising:

a resource amount determining module, configured to determine, according to the resource application information, a maximum resource amount of a resource in the resource pool that the user has an authority to use, for each type of resource pool in all types of resource pools;

a permission determining module for determining the sum of the maximum resource amount determined for each type of resource pool as the resource usage permission of the user,

14. The apparatus of claim 13, wherein the receiving module is further configured to receive additional application information sent by a user;

the resource amount determining module is further configured to determine, in each resource pool, a resource pool corresponding to the additional application information according to the additional application information, and determine, according to the additional application information, a resource amount of an additional resource in the resource pool corresponding to the additional application information, which the user has a right to use;

and the permission determining module is further used for re-determining the resource use permission of the user according to the determined resource amount of the additional resource and the sum of the resource amounts.

15. The apparatus according to claim 13, wherein the resource amount determining module is specifically configured to determine, according to the resource application information, a resource amount and a validity period that the user has an authority to use the resource in the resource pool;

the permission determining module is further used for re-determining the resource use permission of the user when the user uses the resource or when the determined validity period for any type of resource pool expires; or, according to a preset time interval, re-determining the resource usage right of the user.

16. An apparatus for resource provisioning, the apparatus comprising:

a determining module, configured to determine resources to be provided from resource pools of different types according to the resource obtaining request, where a sum of resource amounts of the resources to be provided determined from the resource pools of different types is not less than a resource amount of the resource to be obtained,

the sum of the resource amounts of the resources to be provided respectively determined from the resource pools of different types is obtained by determining the maximum resource amount of the resources in the resource pool which the user has the right to use for each type of resource pool in the resource pools of all types and summing the maximum resource amounts determined from the resource pools of different types;

17. The apparatus according to claim 16, wherein the determining module is specifically configured to determine, according to the resource obtaining request, resources to be provided from resource pools of different types according to a preset resource amount ratio.

18. The apparatus of claim 16, wherein the apparatus further comprises:

and the resource returning module is used for receiving the resources returned by the user, respectively determining the proportion of the resources to be provided from the resource pools of different types and the returning rules respectively corresponding to the resource pools of the various types, and adding the resources returned by the user into the resource pools of the various types.

19. An apparatus for determining resource usage rights, the apparatus comprising:

the loan amount determining module is used for determining the maximum loan amount of the loan in each type of loan pool which the user has the right to use according to the loan application information;

a permission determination module for determining the sum of the maximum loan amounts determined for each of all types of loan pools as the user's loan usage permission,

20. The apparatus of claim 19, wherein the receiving module is further configured to receive additional application information sent by a user;

the loan amount determining module is further used for determining, in each loan pool, a loan pool corresponding to the additional application information according to the additional application information, and determining, according to the additional application information, a loan amount of an additional loan in the loan pool corresponding to the additional application information, which the user has permission to use;

and the permission determining module is further used for re-determining the loan use permission of the user according to the determined loan amount of the extra loan and the sum of the loan amounts.

21. The apparatus according to claim 19, wherein the loan amount determination module is specifically configured to determine, based on the loan application information, a loan amount and an expiration date for which the user has permission to use a loan in the loan pool;

the permission determination module is further used for re-determining the loan use permission of the user when the user provides a loan or when the determined validity period for any type of loan pool expires; or, according to a preset time interval, the loan use authority of the user is determined again.

22. An apparatus for resource provisioning, the apparatus comprising:

a determining module, configured to determine loans to be provided from different types of loan pools according to the loan obtaining request, where a sum of amounts of loans to be provided determined from the different types of loan pools is equal to a loan amount carried in the loan obtaining request,

23. The apparatus according to claim 22, wherein the determining module is specifically configured to determine loans to be offered from different types of loan pools according to a preset loan proportion, respectively, according to the loan acquisition request; or determining the loan amount of the user corresponding to each type of loan pool, and sequentially determining loans to be provided from each type of loan pool according to the sequence that the repayment interest rate corresponding to each type of loan pool is from small to large until the sum of the determined amounts of the loans to be provided is equal to the loan amount carried in the loan acquisition request, wherein for each type of loan pool, the amount of the loans to be provided is determined to be not more than the loan amount of the user corresponding to the type of loan pool.

24. The apparatus of claim 22, wherein the apparatus further comprises:

the resource repayment module is used for receiving repayment of the user and adding the repayment into the loan pools of various types according to the proportion of loans to be provided, which are respectively determined from the loan pools of different types, and the repayment interest rates respectively corresponding to the loan pools of various types; or receiving repayment of the user, determining a loan pool with the largest repayment interest rate in the designated loan pool, and adding the repayment to the determined loan pool, wherein for one loan pool, if the sum of repayment amounts of the user added to the loan pool is less than the amount of the loan to be provided, which is determined from the loan pool, the loan pool is the designated loan pool.