CN107239865B

CN107239865B - Method, device and system for scheduling internet information resources

Info

Publication number: CN107239865B
Application number: CN201610182739.8A
Authority: CN
Inventors: 费华辉; 孙廷�; 吴斌
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Ant Fortune Shanghai Financial Information Service Co ltd
Priority date: 2016-03-28
Filing date: 2016-03-28
Publication date: 2020-12-22
Anticipated expiration: 2036-03-28
Also published as: CN107239865A

Abstract

The application discloses a scheduling method of internet information resources, which aims to enable a resource lender to obtain the right of use of the borrowed resources again when an event that the borrowed resources are not yet cleared after overdue occurs. The method comprises the following steps: when an event that the borrowing of resources is not yet cleared after overdue is monitored, a resource scheduling request is sent to the risk service platform, so that the risk service platform executes the following steps: in response to the resource scheduling request, scheduling a first number of internet information resources from a compensation resource pool to a specified resource pool; and dispatching the second amount of internet information resources in the specified resource pool to the resource lender of the internet information resources which are not yet overdue. The application also discloses a device and a system for scheduling the internet information resources, and a method, a device and a system for scheduling funds.

Description

Method, device and system for scheduling internet information resources

Technical Field

The present application relates to the field of internet technologies, and in particular, to a method, an apparatus, and a system for scheduling internet information resources.

Background

With the development of information technology, the demand of human beings for various internet information resources (such as network storage resources, security monitoring resources, and the like, resources for short) is increasing. In order to utilize internet information resources as efficiently as possible, resource sharing systems are used.

In a resource sharing system, a client (a first client) may borrow a resource that is not temporarily occupied to another client (a second client) that currently has a need for the resource. When the first client borrows the resource to the second client with the requirement, the two clients can set a return time so that the first client can have the use right of the resource again after the return time. However, sometimes, the borrowed resources are not returned within the time of returning, that is, the second client cannot completely return all the temporarily unnecessary resources borrowed by the first client within the time of returning. In the prior art, no mature method for solving the problem exists.

Disclosure of Invention

The embodiment of the application provides a scheduling method of internet information resources, so that when an event that borrowing resources are not yet cleared after overdue occurs, a resource lender can obtain the right of use of the borrowed resources again.

The embodiment of the application provides a scheduling device of internet information resources, so that when an event that borrowing resources are not cleared yet after overdue occurs, a resource lender can obtain the right of use of the borrowed resources again.

The embodiment of the application provides a scheduling system of internet information resources, so that when an event that borrowing resources are not cleared yet after overdue occurs, a resource lender can obtain the right of use of the borrowed resources again.

The embodiment of the application also provides a fund scheduling method, a fund scheduling device and a fund scheduling system.

The embodiment of the application adopts the following technical scheme:

a scheduling method of Internet information resources comprises the following steps:

when an event that the borrowing of resources is not yet cleared after overdue is monitored, a resource scheduling request is sent to the risk service platform, so that the risk service platform executes the following steps: in response to the resource scheduling request, scheduling a first number of internet information resources from a compensation resource pool to a specified resource pool; the compensation resource pool is used for storing internet information resources for compensating the borrowing resources which are not yet cleared;

and dispatching the second amount of internet information resources in the specified resource pool to the resource lender of the internet information resources which are not yet overdue.

responding to a resource scheduling request sent by a resource sharing platform when an event that the borrowing of the resources is not yet overdue is monitored, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool, so that the resource sharing platform can schedule a second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources which are not yet overdue;

and the compensation resource pool is used for storing the internet information resources for compensating the borrowing resources which are not yet cleared.

A method of fund scheduling, comprising:

when the event that the borrowed funds are not cleared after overdue is monitored, sending a claim settlement application to the insurance company platform so that the insurance company platform executes the following steps: in response to the claim application, scheduling a first amount of funds from a claim funds pool to a designated funds pool; the claim settlement fund pool is used for saving fund for borrowing fund which is not cleared yet in the claim settlement;

and dispatching a second amount of funds in the designated fund pool to a fund lender of the funds which are overdue and not yet cleared.

A method of fund scheduling, comprising:

in response to a claim settlement application sent by a financial information service platform when an event that the borrowed funds are overdue and not yet cleared is monitored, a first amount of funds are dispatched to a designated fund pool from a claim settlement resource pool, so that the financial information service platform can dispatch a second amount of funds in the designated resource pool to a fund lender of the funds which are overdue and not yet cleared;

the claim settlement fund pool is used for saving fund for borrowing fund which is not cleared yet.

An internet information resource scheduling apparatus, comprising:

the request sending module is used for sending a resource scheduling request to the risk service platform when an event that the borrowing of the resources is not yet cleared after overdue is monitored, so that the risk service platform executes the following steps: in response to the resource scheduling request, scheduling a first number of internet information resources from a compensation resource pool to a specified resource pool; the compensation resource pool is used for storing internet information resources for compensating the borrowing resources which are not yet cleared;

and the specified resource scheduling module is used for scheduling the second amount of internet information resources in the specified resource pool to the resource lender of the internet information resources which are not yet overdue.

An internet information resource scheduling apparatus, comprising:

the resource sharing platform is used for responding to a resource scheduling request sent by the resource sharing platform when an event that the borrowing resource is not cleared after overdue is monitored, and scheduling a first amount of internet information resources to a specified resource pool from the compensation resource pool, so that the resource sharing platform can schedule a second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources which are not cleared after overdue;

A funds scheduling apparatus comprising:

the claim settlement application sending module is used for sending a claim settlement application to the insurance company platform when the event that the borrowed funds are not cleared after overdue is monitored, so that the insurance company platform executes the following steps: in response to the claim application, scheduling a first amount of funds from a claim funds pool to a designated funds pool; the claim settlement fund pool is used for saving fund for borrowing fund which is not cleared yet in the claim settlement;

and the repayment scheduling module is used for scheduling the second amount of funds in the appointed fund pool to the fund lender of the funds which are overdue and not yet settled.

A funds scheduling apparatus comprising:

the fund settlement scheduling module is used for responding to a claim settlement application sent by the financial information service platform when an event that the fund is overdue and not cleared yet is monitored to occur, and scheduling a first amount of funds from the claim settlement resource pool to a specified fund pool so that the financial information service platform can schedule a second amount of funds in the specified resource pool to a fund lender of the funds which are overdue and not cleared yet;

A scheduling system for internet information resources, the system comprising:

the resource sharing platform is used for sending a resource scheduling request to the risk service platform when an event that the borrowing of the resources is not yet cleared after overdue is monitored; and scheduling a second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources which are not yet overdue;

the risk service platform is used for responding to the resource scheduling request sent by the resource sharing platform and scheduling a first amount of internet information resources to the specified resource pool from the compensation resource pool;

A funds scheduling system, the system comprising:

the financial information service platform is used for sending a claim settlement application to the insurance company platform when the event that the borrowed funds are not cleared after the overdue is monitored; and, dispatching a second amount of funds in the designated fund pool to a fund lender of the funds whose overdue is not yet cleared;

the insurance company platform is used for responding to a claim settlement application sent by the financial information service platform and dispatching a first amount of funds from the claim settlement fund pool to a specified fund pool;

The embodiment of the application adopts at least one technical scheme which can achieve the following beneficial effects:

when an event that the borrowing of the resources is not yet overdue is monitored, the resource sharing platform sends a resource scheduling request to the risk service platform, the risk service platform responds to the resource scheduling request and schedules a first amount of internet information resources to the specified resource pool from the compensation resource pool, the resource sharing platform schedules a second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources which are not yet overdue, and the resource lender can obtain the right of use of the borrowed resources again.

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 schematic flow chart illustrating an implementation of a scheduling method for internet information resources according to an embodiment of the present application;

fig. 2a is a schematic flow chart illustrating an implementation of a fund scheduling method according to an embodiment of the present application;

FIG. 2b is a schematic diagram of an asset financing requirement state machine provided by an embodiment of the present application;

fig. 3 is a schematic structural diagram of a scheduling apparatus for internet information resources according to an embodiment of the present disclosure;

fig. 4 is a schematic structural diagram of a scheduling apparatus for providing an internet information resource according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of a scheduling system for implementing an internet information resource provided in an embodiment of the present application.

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.

The technical solutions provided by the embodiments of the present application are described in detail below with reference to the accompanying drawings.

Example 1

In order to enable a resource lender to regain the right to use borrowed resources when an event that the borrowed resources are not yet cleared after overdue occurs, the embodiment of the application provides a scheduling method for internet information resources.

As shown in fig. 1, a flowchart for implementing the method provided in the embodiment of the present application mainly includes the following steps:

step 101, in a monitoring period, the resource sharing platform monitors whether an event that the borrowing of the resource is not yet known due to overdue exists in the resource sharing platform.

If the resource sharing platform monitors that the event that the borrowed resource is not yet cleared after overdue exists in the resource sharing platform, executing the step 102; and if the event that the resources are not borrowed due to overdue does not exist in the resource sharing platform, ending the process.

And the monitoring period duration is equal to a preset duration threshold. The resource sharing platform can periodically monitor whether an event that the resource is not borrowed yet after overdue exists in the resource sharing platform or not, and the monitoring is carried out once in one monitoring period.

In order to make the reader better understand the contents of the present application, the following first explains the terms referred to in the present application. After these nouns are explained, a method for the resource sharing platform to monitor whether an event that the borrowing of the resource is not yet overdue exists in the resource sharing platform is finally explained.

The terms referred to in the embodiments of the present application are as follows:

1. resource sharing platform

The resource sharing platform is a platform which is provided for users and can carry out interaction of internet information resources. The user can register an account number in the resource sharing platform, and can perform internet information resource interaction by logging in the resource sharing platform through the account number.

The resource sharing platform provides a platform for the user to interact with the internet information resources, records the information related to the interaction (detailed meanings are shown later) in the resource sharing platform in a database in the resource sharing platform, provides an interface for inquiring the information, and facilitates the user to quickly inquire the information.

In addition, the resource sharing platform also helps the user to solve the problem generated when the user performs internet information resource interaction in the resource sharing platform, for example, if the user forgets an account or a password, the resource sharing platform helps the user to find back the account or the password.

2. Interaction

The interaction refers to sharing, borrowing or exchanging of internet information resources and the like performed in the resource sharing platform among users.

3. Sharing

The sharing refers to that a user dispatches the internet information resource which is not temporarily occupied to the user who needs the resource in the resource sharing platform, and the event that the user who needs the resource returns is not needed.

4. Borrowing

The borrowing refers to an event that a user (hereinafter referred to as a resource borrower) borrows an internet information resource (hereinafter referred to as a borrowed resource) which is not needed to be occupied temporarily to a user (hereinafter referred to as a resource borrower) which needs the resource in a resource sharing platform, and the resource borrower needs to return the borrowed resource to the resource borrower within the returning time.

5. Return time

Wherein, the returning time is the time for setting the returning of the borrowed resources by both the resource borrowing parties when the borrowing occurs.

The return time may be a time point or a time period.

In practical applications, the return time may be set to a time period so that the resource borrower has a relatively free time to release the borrowed resource and return the borrowed resource to the resource borrower. In the embodiment of the application, the returning time is taken as one time period as an example, and subsequent explanation is performed.

6. Event that borrowing resources is not yet cleared after overdue

The event that the borrowed resources are not returned within the overdue period refers to the event that the borrower cannot return the borrowed resources within the returning time after the borrowing occurs.

7. Switching

The exchange is an event that the user exchanges the own internet information resources with the internet information resources owned by other users in the resource sharing platform without returning.

8. Information related to interaction

The information related to the interaction includes, but is not limited to, account names of the two users performing the internet information resource interaction in the resource sharing platform, identification numbers or company names of the two users performing the internet information resource interaction, time for performing the internet information resource interaction, and the number and type of the resources performing the internet information resource interaction.

If the interaction is borrowing, the information related to the interaction comprises return time, resource state, current overdue amount of resources and the type of the resources which are not yet overdue, besides the information.

8. Resource status

The resource state is used for indicating the state of the event that the resource borrower returns the borrowed resource.

The resource status is not constant, and changes with the status of the event that the resource borrower returns the borrowed resource.

In addition, the resource states can be classified into three categories according to the following layers:

(1) aiming at all borrowing event layers of the same borrower;

(2) all borrowing event levels are carried out aiming at the same borrower and the same type of resources;

(3) the borrowing event level is carried out for the same borrower.

The resource states corresponding to all borrowing event levels performed for the same borrower are total resource states, the resource states corresponding to all borrowing event levels performed for the same borrower and the same type of resources are type resource states, and the resource state corresponding to one borrowing event level performed for the same borrower is a single resource state.

Then, the total resource state includes, but is not limited to, the following states:

initializing a state;

an uncleaned state;

the state is clear.

The initialization state is used for indicating that the return time is not reached yet, and the resource borrower does not need to return the borrowed resources. After the resource borrower borrows the resources and the return time is not reached, the resource sharing platform defaults the total resource state as an initialization state.

When the resource borrower borrows the resource, as long as an event that the borrowed resource is not yet cleared after overdue occurs, the resource sharing platform changes the total resource state of the event occurring by the resource borrower from the initialized state to the unclean state.

When the resource borrower clears all the borrowed resources, the resource sharing platform changes the total resource state of the event occurring to the resource borrower from the not cleared state to the cleared state.

Type resource states include, but are not limited to, the following states:

initializing a state;

an uncleaned state;

the state is clear.

The initialization state is used for indicating that the return time is not reached yet, and the resource borrower does not need to return the borrowed resources. After the resource borrowing party borrows the resources and the return time is not reached, the resource sharing platform defaults the type of resource state as an initialization state.

When the resource of the same type borrowed by the resource borrower is not yet borrowed after overdue, the resource sharing platform changes the state of the type resource from the initialized state to the uncleaned state.

When the resource borrowing party clears all the borrowed resources of the same type, the resource sharing platform changes the state of the type resources from the not-cleared state to the cleared state.

Single resource states include, but are not limited to, the following states:

initializing a state;

confirming a clear status;

compensating the state to be applied;

compensating for the applied state;

compensating for the confirmed state;

the state is clear.

9. Initialization state

The initialization state is used for indicating that the return time is not reached yet, and the resource borrower does not need to return the resources. After the resource borrowing party borrows the resource for one time and the scheduled time is not reached, the resource sharing platform defaults the single resource state as an initialization state.

10. Confirming a clear-back status

The acknowledgement may also clear status indicating that the resource borrower may clear the resources borrowed in the borrowing event within the return time. For example, if a borrowing event of a resource borrower is in a status of confirmed clear, it indicates that the resource borrower can clear the resource borrowed in the borrowing event within the returning time.

Before the resource borrower borrows the resources in each borrowing event, the resource borrower should release the borrowed resources corresponding to each borrowing event to the resource pool of the resource borrower, or schedule resources with resource values such as the borrowed resources from other resource pools to the resource pool of the resource borrower, so that the resource borrower can be conveniently scheduled with the resources from the resource pool of the resource borrower, and the borrowed resources can be cleared. The other resource pool may be a resource pool of the resource borrower on another platform, or a resource pool of another resource lender willing to borrow resources from the resource borrower, which is not limited herein.

The equal resource values generally mean that the types of resources are the same and the number of resources is equal.

In the resource sharing platform, instead of directly returning the borrowed resources to the resource lender by the resource borrower, the resource sharing platform schedules resources with resource values such as borrowed resources from the resource pool of the resource borrower to the resource pool of the resource sharing platform, and then schedules the resources with resource values such as borrowed resources from the resource pool of the resource sharing platform to the resource pool of the resource lender, so that the resource borrower can clear the borrowed resources within the returning time.

During the return time, the resource sharing platform can spontaneously, periodically and in batches schedule the resources from the resource pool of the resource borrower to the resource pool of the resource sharing platform.

The batching refers to that the resource sharing platform schedules resources according to the types and the quantity of the resources borrowed by the resource borrower in each borrowing event, and does not schedule all expired resources into the resource pool of the resource sharing platform at one time.

In addition, after the resource sharing platform dispatches the resources from the resource pool of the resource borrower to the resource pool of the resource sharing platform in batches, the resources can be asynchronously dispatched to the resource pool of the resource borrower.

The asynchronous scheduling refers to that for the resource borrowed in the event of one borrowing, the resource sharing platform schedules the resource from the resource pool of the resource sharing platform to the resource pool of the resource lender at least twice.

The asynchronous scheduling is to more surely schedule resources to a resource lender, and to prevent a large error or a large loss from being generated when the resource sharing platform schedules and borrows funds of resource values such as the funds borrowed in a borrowing event at one time in the case of network jitter and the like. If the resource sharing platform asynchronously schedules resources, even if an error or loss occurs, the error or loss is at most one-half of the larger error or larger loss.

After the resources with the resource values such as the borrowed resources and the like are scheduled from the resource pool of the resource borrower to the resource pool of the resource sharing platform, the resource sharing platform changes the resource state of the event occurring by the resource borrower from the initialization state to the acknowledgement-acknowledgement state.

11. Compensating for pending application states

The compensation pending application state is used for indicating that the resource borrower cannot return the borrowed resources within the returning time, and the resource sharing platform is required to send a resource scheduling request to the risk service platform, so that the purpose of finally returning the borrowed resources is achieved.

The risk service platform is a platform for providing internet information resources for users with requirements. The risk service platform and the resource sharing platform belong to different mechanisms respectively and are mutually independent platforms. The risk service platform may be, for example, a server or other devices.

And in the returning time, when the resource sharing platform cannot schedule resources with resource values such as borrowed resources from the resource pool of the resource borrower, the resource sharing platform changes the initialization state into a compensation pending application state.

If the resource pool of the resource borrower has the same resource type as the borrowed resource but the resource quantity is less than the borrowed resource quantity, the resource sharing platform can schedule the resource to the resource pool of the resource sharing platform, and then schedule the resource to the resource pool of the resource borrower from the resource pool of the resource sharing platform. Therefore, the risk service platform does not need to schedule resources with resource values such as all resources borrowed by the resource borrower, and only needs to schedule the resource amount corresponding to the borrowed resource event which is not yet known after the expiration to the specified resource pool.

12. Compensating for applied state

And the compensation applied state is used for indicating that the resource sharing platform sends a resource scheduling request to the risk service platform and receives a resource scheduling grant request notification sent by the risk service platform under the condition that the borrowing of the resources is not yet cleared. And after receiving the resource scheduling grant notification, changing the single resource state of the corresponding borrowing event from the compensation pending application state to the compensation applied state.

And the resource scheduling request grant notification is used for indicating that the risk service platform preliminarily grants the resource scheduling request and still needs to further verify the return condition.

13. Compensating for confirmed status

And the compensation confirmed state is used for indicating that after the authenticity verification of the return condition by the risk service platform passes, the resources are agreed to be scheduled for returning borrowed resources which are not returned due to overdue. And after receiving a resource scheduling confirmation notification sent by the risk service platform, the resource sharing platform changes the single resource state of the corresponding borrowing event from the compensation applied state to the compensation confirmed state.

14. Clear state of having returned

The cleared status is used for indicating that the resource borrower has cleared the resources borrowed in the corresponding borrowing event. For example, if a borrowing event is in a cleared state, it indicates that the resource borrowed in the event has been cleared.

The single resource state is finally changed to the cleared state, which may occur in the following two cases:

case 1: in the returning time, the resource sharing platform can schedule resources with resource values such as the borrowed resources corresponding to the primary borrowing event in the resource pool of the resource borrower to the resource pool of the resource sharing platform, and after the resources are scheduled from the resource pool of the resource sharing platform to the resource pool of the resource borrower, the resource sharing platform changes the single resource state from the confirmed returnable state to the returned state;

case 2: after an event that the borrowed resource is overdue and not yet cleared occurs, the resource sharing platform dispatches the resource, the type of the resource which is dispatched by the risk service platform is the same as the resource which is not yet cleared and the quantity of the resource which is not less than the quantity of the resource which is not yet cleared, to a resource pool of the resource lender, and then the resource sharing platform changes the state of the single resource from the compensation confirmed state to the cleared state.

After explaining the above nouns, how the resource sharing platform monitors whether there is an event that the borrowed resource is not yet known due to overdue is introduced as follows:

the resource sharing system can periodically inquire whether the information related to the interaction contains a compensation pending application state or an unrefined state in a database of the resource sharing platform, if so, the resource sharing platform is indicated to have an event that the borrowed resource is not cleared after the expiration, and then step 12 is executed; if not, the resource sharing platform is indicated that the event that the borrowing of the resources is not yet cleared after overdue does not exist, and the process is ended.

It should be noted that the unknown state may be an unknown state included in the total resource state, or an unknown state included in the type resource state. The embodiment of the present application is not limited in this respect.

Step 102, the resource sharing platform sends a resource scheduling request to the risk service platform.

The resource scheduling request is used for informing the risk service platform that an event that the borrowing resource is not yet cleared after overdue occurs in the resource sharing platform, and the risk service platform is expected to schedule the resource from the compensation resource pool to the designated resource pool, so that the resource sharing platform can finally schedule the resource from the designated resource pool to the resource lender, and the borrowed resource which is not yet cleared after overdue of the resource borrower is paid back.

And the compensation resource pool is used for storing the internet information resources for compensating the borrowing resources which are not yet cleared. The types of resources stored in different compensation resource pools can be different, so that the risk service platform can rapidly schedule the resources of different types. The compensation resource pool may be in a risk service platform, or may be in another platform different from the risk service platform and the resource sharing platform, which is not limited in this embodiment of the present application.

Wherein the resource scheduling request may comprise information related to borrowing. The information related to the borrowing may include, but is not limited to, information indicating a borrowing record and indicating a returning record, identification numbers or company names of both parties of the borrowing, and resource status. The information indicating the borrowing record may include, for example, information such as time when the resource borrower borrowed the resource, the number and type of the borrowed resource, and an agreed return time. The information indicating the return record may include information on the number of currently overdue yet-cleared resources and the type of currently overdue yet-cleared resources.

The borrowing related information is used for informing the risk service platform of the type and the quantity of the overdue and unrefined resources, or is used for informing the risk service platform of the type and the quantity of other resources which are equivalent to the quantity of the overdue and unrefined resources, so that the subsequent risk service platform can compensate the overdue and unrefined resources to the resource lender according to the interaction related information.

In addition, the resource scheduling request may further include an identifier of a compensation resource pool to inform the risk service platform of which resource pool the resource of the corresponding type can be scheduled from. Because the types and the quantity of the borrowed resources which are not yet cleared, the risk service platform can dispatch the resources which have the same types as the resources which are not yet cleared and the quantity of which is not less than the current amount of the resources which are not yet cleared from different compensation resource pools.

The designated resource pool is a resource pool which is specially used for storing the resources which are dispatched to the resource sharing platform by the risk service platform. The designated resource pool may be in the resource sharing platform, or in other platforms different from the risk service platform and the resource sharing platform, which is not limited in any way in the embodiments of the present application.

And 103, the risk service platform receives the resource scheduling request sent by the resource sharing platform and judges whether the resource scheduling request is repeatedly received.

If the judgment result is no, executing step 104; if yes, go to step 110.

After receiving the resource scheduling request sent by the resource sharing platform, the risk service platform searches whether a resource scheduling request with the same content as the resource scheduling request exists in a database which is used for storing the judged resource scheduling request sent by the resource sharing platform in the risk service platform. If yes, determining that the judgment result is yes; if not, determining that the judgment result is negative.

And 104, the risk service platform sends a resource scheduling grant request notification to the resource sharing platform.

And the resource scheduling request grant notification is used for indicating that the risk service platform preliminarily grants the resource scheduling request and still needs to further verify the return condition. After the risk service platform sends the resource scheduling grant request notification to the resource sharing platform, the resource sharing platform receives the resource scheduling grant request notification and changes the single resource state of the corresponding borrowing event from the compensation pending application state to the compensation applied state.

And 105, judging the authenticity of the information indicating the borrowing record and the returning record contained in the resource scheduling request by the risk service platform.

If the determination result is true, go to step 106; if the determination result is not true, step 111 is executed.

It should be noted that, in the embodiment of the present application, after an internet resource borrowing event occurs, a resource borrowing party corresponding to the event sends information related to borrowing to a risk service platform in real time. The risk service platform stores the received information in a database which is specially used for storing the information sent by the resource borrower. After receiving the resource scheduling request sent by the resource sharing platform, the risky service platform may search, in the database, whether information that is the same as the information indicating the borrowing record and the returning record included in the received resource scheduling request exists. If the judgment result is true, executing step 106; otherwise, it indicates that the determination result is not true, and step 111 is executed.

Step 106, the risk service platform determines a compensation resource pool related to the resource scheduling request.

The resource scheduling request sent by the resource sharing platform is assumed to contain identification information of the compensation resource pool, so that the risk service platform can determine the compensation resource pool related to the resource scheduling request according to the identification information.

When only one compensation resource pool exists, the risk service platform can directly determine the compensation resource pool as the compensation resource pool related to the resource scheduling request.

And step 107, the risk service platform sends a resource scheduling confirmation notice to the resource sharing platform.

And the resource scheduling confirmation notice is used for indicating that the risk service platform agrees to schedule the resources for returning the borrowed resources which are not returned due to overdue after the authenticity verification of the returning condition is passed.

After the resource sharing judgment platform receives the resource scheduling confirmation notice, the single resource state of the corresponding borrowing event is changed from the compensation applied state to the compensation confirmed state.

At step 108, the risk service platform schedules the first number of resources from the compensated resource pool determined by performing step 106 to the designated resource pool.

The first number may be greater than, less than, or equal to the current past due amount. The risk service platform can schedule the resource from the compensation resource pool to the designated resource pool according to the overdue duration.

The risk service platform may schedule the resource from the compensation resource pool to the designated resource pool according to the expiration duration, for example, as follows:

when the overdue duration is larger than a preset duration threshold, the first quantity is larger than the current overdue unrefined quantity; when the overdue duration is equal to the preset duration threshold, the first number is equal to the current overdue unrefined amount, and when the overdue duration is smaller than the preset duration threshold, the first number is smaller than the current overdue unrefined amount.

The overdue duration is used for indicating that an event that the resource is not yet borrowed due to overdue occurs on the resource sharing platform, and the risk service platform sends a resource scheduling confirmation notice to the resource sharing platform, wherein the duration corresponds to a period of time.

Alternatively, in order to enable the resource lender to regain the right of use of all the lent resources, in the embodiment of the present application, the first amount may not be less than the current overdue outstanding amount.

Step 109, the resource sharing platform schedules the second amount of resources from the specified resource pool to the resource pool of the resource lender.

The second amount may be greater than, less than, or equal to the current past due amount.

The second number may be greater than, less than, or equal to the first number.

In order to enable the resource lender to regain the right of use of all the lent resources, in the embodiment of the present application, the second amount may not be less than the current overdue outstanding amount. In this case, the size relationship between the first number and the second number may not be limited in the embodiments of the present application.

The resource sharing platform can schedule resources to the resource borrowing party according to the overdue duration. The principle of scheduling resources can be seen in the scheduling principle in step 108.

In step 110, the resource sharing platform discards the repeatedly received resource scheduling request.

Step 111, the risk service platform judges whether the number of times of executing step 105 exceeds a preset number threshold; if the determination result is negative, go to step 105; if yes, go to step 112.

After the risk service platform executes step 105 once, the judgment times of the resource scheduling request involved in step 105 are recorded in the database of the risk service platform. In this way, the risk service platform can obtain the number of times of executing step 105 by looking up the number of times of judgment in the database, and the judgment result can be obtained by comparing the number of times with the preset number threshold.

And step 112, manually intervening and solving.

Considering that the risk service platform still obtains the unreal judgment result after executing the step 105 for multiple times, it will consume more processing time and affect the repayment efficiency of the borrowed resources that are overdue and not yet cleared, therefore, in order to solve the event of the borrowed resources that are overdue and not yet cleared in time, when the number of executing the step 105 reaches a certain amount, the step 112 will be executed, and the step 105 will not be executed.

The human intervention solution referred to herein may include, but is not limited to:

telephone communication;

and (6) interviewing.

For example, the staff of the risk service platform can call the staff of the resource sharing platform and also call the resource borrowing party, and through telephone communication, the most real state of the event that the resource borrowing is not yet cleared after the overdue is verified, so that a reasonable processing mode is adopted for the state.

It should be noted that in this process as shown in fig. 1, the resource sharing platform may always attempt to schedule the resource from the resource pool of the resource borrower to the resource borrower before receiving the resource scheduling confirmation notification. This operation and the contribution of the operation to the effect of the embodiment of the present application are described in detail below:

the resource sharing platform tries to dispatch the current overdue unreturned internet information resources to the resource lender from a resource pool of the resource borrower of the internet information resources which are overdue and unreturned according to a set trying period; and after each trial result, performing the following operations:

if the attempt result is failure, continuing to perform the next attempt under the condition that the resource scheduling confirmation notification is not received when the next attempt period comes; if the attempt result is failure, stopping the attempt if the resource scheduling confirmation notification is received before the next attempt period comes;

if the trial result is successful and the quantity of the internet information resources dispatched from the resource pool of the resource borrower to the resource lender is less than the current overdue unrefined quantity, under the condition that a resource dispatching confirmation notice is not received when the next trial period comes, updating and storing the current overdue unrefined quantity, sending the updated current overdue unrefined quantity to the risk service platform, and continuing to perform the next trial;

if the trial result is successful and the quantity of the internet information resources dispatched to the resource lender from the resource pool of the resource borrower is less than the current overdue unrefined quantity, stopping the trial if the resource dispatching confirmation notice is received before the next trial period comes;

and if the trial result is successful and the quantity of the internet information resources dispatched to the resource lender from the resource pool of the resource borrower is not less than the current overdue unrefined quantity, sending a resource dispatching cancellation request to the risk service platform under the condition that the resource dispatching confirmation notice is not received when the next trial period comes, and not carrying out the next trial.

After the risk service platform receives the updated current overdue outstanding amount sent by the resource sharing system, the risk service platform will schedule the resource in the compensation resource pool to the designated resource pool according to the current overdue outstanding amount sent by the resource sharing system in the following step 108. For example, the risk service platform may determine the current overdue yet-to-clear amount as the first amount, and then schedule the first amount of resources in the compensation resource pool to the designated resource pool. In the embodiment of the application, in order to enable the risk service platform to know which overdue unrefined event the updated current overdue unrefined amount sent by the resource sharing system corresponds to, the resource sharing system may set a corresponding overdue unrefined event identifier for the updated current overdue unrefined amount.

In addition, after the resource sharing platform sends a resource revocation scheduling request to the risk service platform, the risk service platform receives the resource revocation scheduling request sent by the resource sharing platform, deletes the resource scheduling request corresponding to the resource revocation scheduling request from the database, and does not respond to the event that the resource is not borrowed yet after the overdue event corresponding to the resource revocation scheduling request.

It should be noted that, in any time period before the resource sharing platform receives the resource scheduling request confirmation notification sent by the risk service platform, the resource sharing platform attempts to succeed, and the amount of the internet information resource scheduled from the resource pool of the resource borrower to the resource lender is not less than the current overdue outstanding amount, so that the resource sharing platform can change the single resource state to the outstanding state no matter what the single resource state is.

When an event that the borrowing resources are not yet cleared after overdue occurs, the resource sharing platform sends a resource scheduling request to the risk service platform, the risk service platform responds to the resource scheduling request and schedules a first amount of internet information resources to the designated resource pool from the compensation resource pool, and the resource sharing platform schedules a second amount of internet information resources in the designated resource pool to a resource lender of the internet information resources which are not yet cleared after overdue, so that the resource lender can obtain the use right of the lent part or all of the resources again when the event that the borrowing resources are not yet cleared after overdue occurs. In particular, when the second amount is not less than the current overdue outstanding amount, the resource lender can regain access to all of the lent resources.

Example 2

The inventive concept of the present application is described in detail based on the foregoing embodiment 1, and in order to better understand the technical features, means and effects of the present application, the following further describes a scheduling method of internet information resources of the present application, thereby forming a further embodiment of the present application. The embodiment provides a fund scheduling method. As shown in fig. 2a, a flowchart for implementing the method provided in the embodiment of the present application mainly includes the following steps:

step 201, a repayment center system included in the financial information service platform monitors whether an event that the borrowed funds are not paid back due to overdue exists in the financial information service platform.

If the monitoring result is yes, go to step 202; and if the monitoring result is negative, ending.

In order to make the reader better understand the contents of the present application, the following first explains the terms referred to in the present application. After the nouns are explained, a method for monitoring whether the event that the borrowed funds are overdue and not paid back exists in the financial information service platform by a repayment center system contained in the financial information service platform is finally described.

1. Financial information service platform

The financial information service platform is mainly a platform for providing information service for clients with investment and financing requirements and clients with financing and loan requirements. The borrower can automatically release borrowing information including amount, interest, repayment mode and time in the financial information service platform to realize self-service borrowing; the borrower can automatically determine the lending amount in the financial information service platform according to the information issued by the borrower, and self-service lending is realized.

2. Repayment center system

The repayment center system (hereinafter referred to as a repayment center) is a system included in the financial information service platform. The repayment center is used for transferring funds with the same fund number in the account of a seller (borrower) of the financial product as the total fund number of the fund purchased by the investor and the interest due to the borrower to the investor after the physical property is expired, or initiating an insurance compensation request to an insurance company to assist the borrower in repayment when an event that the borrower does not pay back the borrowed funds occurs.

3. Financing product

The financial product is not a real existing item. The investor purchases the financing product, which is equivalent to borrowing the fund to the borrower, and after the property is due, the investor can recover the principal of purchasing the financing product at first and the interest due to purchasing the financing product. An event in which an investor purchases a financial product may be called a financial transaction.

4. Event of borrowed funds not yet cleared after overdue

And after the financing product is expired, the borrower cannot return the principal and the due interest of the financing product purchased by the investor to the investor within the return time.

When an investor purchases a financial product in the financial information service platform, a borrower can apply insurance to each investor purchasing the financial product, so that an insurance company can pay back debts when the event that the borrowed funds are not paid back due after overdue occurs. Wherein, the times of the borrower insuring for the same investor is consistent with the times of the same investor purchasing financing products.

5. Return time

The return time may be a time point or a time period. In practice, the return time is a period of time to allow the borrower to have a relatively spacious event to raise funds to return to the investor. For example, the return time may be from 24:00 at 13/3/2016 to 24:00 at 16/3/2016.

6. Insurance company platform

The insurance company platform is used for processing the event of borrowing funds which are not cleared yet by the insurance company.

7. Safety platform

When the event that the borrowed funds are not paid down after being overdue is processed, a repayment center contained in the financial information service platform cannot be directly connected with the insurance company platform, but is connected with the insurance company platform through an intermediate platform, namely the insurance platform.

The insurance platform and the financial information service platform are mutually independent platforms, and the two platforms coexist in a system. The insurance platform is mainly used for connecting a financial information service platform and an insurance company platform and transmitting information and funds for the two platforms.

After the investor purchases a financial product in the financial information service platform, the staff of the financial information service platform can store the related information of the financial transaction corresponding to the initialization state, the name of an insurance company and the number of a policy, which are invested by the seller of the financial product purchased by the investor, in a basic data database which is specially used for storing the information in the insurance platform, so that the insurance platform can be conveniently connected with an external insurance company platform for business.

In addition, in practical application, different investors can purchase different financial products issued by different financial product sellers (borrowers) in the financial information service platform, and the financial information service platform can record the related information of the financial transaction respectively from the perspective of the borrower, the perspective of the financial product and the perspective of the investor.

1) Relevant information for investor-oriented financial transactions includes, but is not limited to, the following:

investor identification card number or company name;

account number names of investors in the financial information service platform;

the time for the investor to purchase a financial product;

the amount of funds the investor spends purchasing financing products;

the amount of funds for the investor to purchase the interest due for the financing product;

the identity card number or company name of the seller of the financial product;

the account number name of a seller of the financial product in the financial information service platform;

a financial product expiration time;

returning time;

the amount of funds that are not yet cleared at the current overdue;

asset financing demand status.

The amount of funds which are not cleared currently is not a constant number, and the amount of funds which are not returned may change according to the states of the asset financing requirements.

And the asset financing demand state is used for representing the repayment state of the borrower for repayment of one financing transaction.

To illustrate the payment status for each of the above states, the asset financing requirement state machine shown in FIG. 3 is described below.

The state machine is composed of a plurality of preset states and a transfer function which can trigger one state to be transferred to the other state. For example, when the transition condition corresponding to the above-mentioned transition function is satisfied, one state a transitions like the other state B, that is, the state a changes to the state B. Thus, the state machine can also be said to be a state transition diagram.

The states contained in fig. 2b are as follows:

(1) initializing a state;

after the investor conducts a financing transaction, the repayment center defaults the asset financing demand state as an initialization state. The initialization state indicates that the return time has not yet been reached and the borrower need not make a payment.

(2) Confirming a payment confirmation state;

and the confirmed payment state is used for indicating that the borrower can pay back the principal and the due interest of the investor for purchasing the financial products in the financial transaction within the return time.

Before the return time is reached, the borrower can deposit funds with the number of funds not less than the sum of the principal of the financing products purchased by the investor and the number of funds due to interest in a financing transaction into the fund pool of the borrower, so that the repayment center can arrange the funds with the number equal to the sum of the principal of the financing products purchased by the investor and the number of the funds due to interest into the fund pool of the financial information service platform from the fund pool of the borrower, and then the repayment center can arrange the funds into the fund pool of the investor from the fund pool. And when the repayment center allocates funds with the same number as the sum of the principal of the financing products purchased by the investor and the fund of the interest to the fund pool of the financial information service platform from the fund pool of the borrower, the repayment center changes the initialization state into the payment confirmation state.

The fund pool in the financial information service platform is a fund transition account. The fund pool is used for temporarily holding funds for return to the investor.

It should be noted that, in practical applications, the same investor may purchase financing products in batches, and if the financing products purchased in batches by the investor expire at the same time, the repayment center will not allocate all the funds to be returned to the investor at one time, and the repayment center will allocate funds in batches from the fund pool of the borrower, the funds corresponding to the principal and the interest due to each purchase of the financing products by the investor. When the repayment center transfers the fund into the fund pool of the investor from the fund pool of the financial information service platform, the principal for the investor to purchase the financial products and the interest due each time are not transferred into the fund pool of the investor at one time, but the principal for the investor to purchase the financial products and the interest due each time are transferred into the fund pool of the investor at least twice. This is done to prevent the problem of a large loss due to a money transfer error in the case of network jitter.

And after confirming that a part of funds are successfully drawn, the repayment center draws the next part of funds until the principal and the interest of the investor for purchasing the financing products for one time are cleared, and then draws the funds into the fund pool of the investor for another time according to the condition that the investor purchases the financing products for another time.

(3) A claim pending application status;

the claim settlement pending application state is used for indicating that the borrower cannot clear the principal and the due interest of the financing product purchased by the investor within the returning time, and the payment center is required to send a claim settlement application to the insurance platform so that the borrowed fund can be cleared finally.

In the return time, the fund number in the fund pool of the borrower is less than the fund number corresponding to the principal for the investor to purchase the financing product and the interest due to the financing transaction, so that the fund corresponding to the principal for the investor to purchase the financing product and the interest due to the interest cannot be drawn by the repayment center, and the fund corresponding to the principal for the investor to purchase the financing product and the interest due to the interest cannot be drawn into the fund pool of the investor by the repayment center.

At this time, the payment center changes the initialization state into a claim pending application state.

(4) Claim filed status;

the repayment center sends a claim settlement application to the insurance platform aiming at the event that the borrowed funds are not paid down, and hopefully, the insurance platform can inform the insurance company platform of the event, so that the insurance company platform finally transfers the funds to the financial information service platform.

And after receiving the claim approval application notice sent by the insurance platform, the repayment center changes the asset financing demand state into a claim applied state.

(5) A claim confirmed status;

after the deadline point, the repayment center sends a claim settlement confirmation application to the insurance platform, and after receiving a claim settlement confirmation notice sent by the insurance platform, the repayment center changes the asset financing demand state into a claim settlement confirmed state.

The insurance platform sends a claim settlement confirmation notice to the financial information service platform and simultaneously puts funds with the same number as the unreturned funds into the insurance platform. The fund account for settlement of the institution is an account in the financial information service platform and is specially used for storing funds which are transferred by the insurance platform and are used for returning investors.

The deadline point is the last point in time that the payment center can perform the operation of attempting to dispense funds from the borrower's fund pool to the investor. The deadline time may be a time point after the asset financing demand status is a claims applied status. The cut-off time point may be set by a staff of the financial information service platform.

(6) A paid status.

And the repayment center arranges funds with the same number as the unreturned funds into the fund pool of the investor from the fund pool of the financial information service platform or the fund pool of the institution for claim settlement, and then changes the claim settlement confirmation state into the repayment state.

It should be noted that the repayment center may perform the operation of drawing funds from the borrower's fund pool to the investor at any time before the deadline, and may change the status to the cleared status regardless of the status of the current asset financing demand after the repayment center successfully draws the same amount of funds as the number of funds not cleared to the investor from the borrower's fund pool before the deadline.

As can be seen from the above description, the asset financing demand state can change according to the following four change orders:

the first variation sequence: (1) (1) to (2) to (6);

the second variation sequence: (1) (3) to (4) to (5) to (6);

third variation sequence: (1) (3) to (6);

the fourth variation sequence: (1) (4) to (6).

2) The information related to financial transactions from the financial product perspective includes, but is not limited to, the following:

financing product financing demand state;

the total amount of borrowing corresponding to each financing product;

and the financing demand state of the financing product is used for representing the repayment state of the principal and the due interest of the investor who returns and purchases the same financing product.

The financing demand state of the financing product is similar to the situation of the financing demand state of the assets, and is not described again here.

3) The relevant information for a financial transaction from the borrower perspective includes, but is not limited to, the following:

total financing demand status;

the borrower borrows the total amount.

And the total financing demand state is used for representing a repayment state of the fund returned by the borrower to all investors.

The total financing demand status is similar to the situation of the asset financing demand status, and will not be described herein again.

After explaining the nouns, the following explains a method for a repayment center to monitor whether an event of borrowed funds which are not paid back due is existed in a financial information service platform:

the repayment center can periodically and spontaneously inquire whether the financial information service platform stores the related information of the financing transaction from the perspective of investors in the state of claim settlement pending application, and if so, the repayment center indicates that the financial information service platform has an event of overdue funds which are not yet borrowed; otherwise, the financial information service platform is indicated to have no event of the borrowed funds being overdue and not yet cleared.

Step 202, the repayment center sends a claim settlement application to the insurance platform.

The claim settlement application is used for informing the insurance platform that the financial information service platform has an event that the borrowed funds are not cleared after overdue, and hopes the insurance company platform to settle the claim.

The claim application includes information indicating borrow records and information indicating return records.

The information indicating the borrowing record can be information such as the number of funds borrowed by the borrower, the name of the borrower, the identification number and the like. The information indicating the return record may be the amount of funds that are not currently cleared.

Step 203, the insurance platform receives the claim settlement application sent by the payment center, and judges whether the claim settlement application sent by the payment center is repeatedly received.

If yes, go to step 214; if the determination result is negative, step 204 is executed.

After receiving the claim application sent by the repayment center, the insurance platform is specially used for storing the judged database of the claim application sent by the repayment center which is not repeatedly received in the insurance platform, and searching whether the claim application with the same content as the claim application exists. If yes, the judgment result is yes; if not, the judgment result is no.

No matter the judgment result is yes or no, the insurance platform sends a notice of claim settlement application agreement to the payment center after the judgment so as to inform the payment center that the insurance platform has received the claim settlement application and the insurance platform responds according to the actual situation. For example, when the determination result is negative, step 204 is executed; if yes, go to step 214.

The reason for the positive determination result may be that the network delay or the claim approval application notification is lost, and after the payment center sends the claim approval application for the same event of the borrowed funds which are not yet paid for due, the payment center does not receive the claim approval application notification sent by the insurance platform, and at this time, the payment center sends the same claim approval application for the event again.

And step 204, the insurance platform determines the policy number and the insurance company platform name corresponding to the policy number according to the received claim settlement application.

After the investor purchases a financial product in the financial information service platform, the staff of the financial information service platform can store the related information of the financial transaction corresponding to the initialization state, the name of an insurance company and the number of an insurance policy, which are invested by the seller of the financial product purchased by the investor, in a basic data database which is specially used for storing the information in the insurance platform. After the insurance platform receives the claim settlement application, the insurance platform can search the insurance policy number corresponding to the investor ID card number or the company name contained in the received claim settlement application and the insurance company platform name corresponding to the insurance policy number in the basic data database of the insurance platform.

Since the same investor may purchase different financial products issued by different borrowers, and the financial transactions may correspond to different policy numbers and insurance company platform names, the number of the policy numbers determined by the above method and the number of the insurance company platform names corresponding to the policy numbers are at least one respectively.

In step 205, the insurance platform sends the determined policy number and the claim settlement application corresponding to the policy number to the insurance company platform corresponding to the policy number.

In step 206, the insurance company platform corresponding to the policy number receives the policy number sent by the insurance platform and the claim settlement application corresponding to the policy number.

In step 207, the insurance company platform corresponding to the policy number determines whether the information indicating the borrowing record and the information indicating the returning record included in the claim application are authentic.

If yes, go to step 208; if the determination result is negative, step 215 is executed.

After the borrower makes a guarantee, the borrower sends the related information of the financial transaction to each insurance company related to the financial transaction in real time. Each insurance company platform stores the relevant information in a respective database of each insurance company platform dedicated to storing information sent by the borrower.

After the insurance company platform receives the insurance policy number and the claim settlement application corresponding to the insurance policy number, the insurance company platform searches the relevant information of the financial transaction corresponding to the insurance policy number in the database. If the information representing the borrowing record and the information representing the returning record contained in the searched related information of the financing transaction corresponding to the insurance policy number are the same as the information representing the borrowing record and the information representing the returning record contained in the application for settlement, the judgment result is yes, otherwise, the judgment result is no.

In step 208, the insurance company platform determines the current amount of funds outstanding for the event that the borrowed funds are outstanding.

Wherein the insurance company platform can look up the number in the database. And will not be described in detail herein.

In addition, the insurance company platform sends a notice of applying for claim agreement to the payment center platform of the financial information service through the insurance platform.

The notice of claim settlement approving application is used for indicating that the insurance company platform agrees to the claim settlement application of the financial information service platform, and funds can be arranged into the fund pool of the financial information service judgment platform after the deadline point.

Then, after receiving the notice of claim approval application, the repayment center changes the state of claim pending application into the state of claim applied.

In order to clearly explain how the insurance company platform responds to the claim application sent by the repayment center contained in the financial information service platform and finally successfully enable the investor to regain the use right of the borrowed funds, the influence of the repayment center on the operation of trying to draw funds from the fund pool of the borrower to the investor is not considered temporarily, the influence of how the insurance company platform responds to the claim application sent by the financial information service platform and finally successfully enable the investor to regain the use right of the borrowed funds is explained in detail, and then the influence of the operation performed by the repayment center on the fact that the insurance company platform responds to the claim application is explained.

Step 209, after the expiration time point, the payment center sends a claim settlement confirmation application to the insurance company platform through the insurance platform.

The claim settlement confirmation application is an application initiated by aiming at an event that the current asset financing demand state is the fund which is not borrowed yet after the overdue and corresponds to the claim pending application state, and is used for informing an insurance company platform that the claim settlement can be carried out.

Step 210, the insurance company platform receives the claim settlement confirmation application, and sends a claim settlement confirmation notice to the payment center through the insurance platform.

The claim validation notification is used to inform the payment center that the insurance company platform will immediately claim the event of borrowed funds that are overdue and not yet cleared, i.e., funds equal to the amount of funds determined by performing step 208 are transferred to the financial information services platform through the insurance platform.

In addition, after receiving the claim settlement confirmation notification, the payment center changes the applied state of the claim to the confirmed state of the claim.

In step 211, the insurance company platform transfers the funds which are determined by the step 208 and are equal to the number of the funds which are not yet cleared but are currently overdue into the fund pool of the institution claims in the financial service information platform.

The fund pool for settlement of the institution is specially used for storing funds which are input by the insurance company platform through the insurance platform and are used for returning borrowed funds which are overdue and not yet cleared.

In step 212, the repayment center sorts funds equal to the number of borrowed funds that are not currently cleared from the institution claims fund pool into the fund pool of the financial services information platform.

In step 213, the repayment center transfers funds equal to the number of borrowed funds that are not yet cleared from the fund pool of the financial services information platform into the fund pool of the investor.

In step 214, the insurance platform discards the claims application that is repeatedly received.

Although the insurance platform still sends the notice of claiming claim application to the repayment center under the condition that the judgment result is yes, the insurance platform directly discards the claim application and does not perform subsequent operation on the borrowed fund event which is corresponding to the claim application and is overdue and not yet cleared.

In step 215, the insurance company platform determines whether the number of times step 207 is executed exceeds a preset number threshold. If yes, go to step 216; if the determination result is negative, step 207 is executed.

The method for the insurance company platform to determine whether the number of times of executing step 207 exceeds the preset number threshold may refer to step 111 in embodiment 1, and details are not repeated here.

And step 216, resolving by human intervention.

Here, see step 112 in embodiment 1, which is not described herein again.

It should be noted that in the process shown in fig. 2a, the payment center may attempt to dispatch funds from the borrower's fund pool to the investor until the deadline point. This operation and the contribution of the operation to the effect of the embodiment of the present application are described in detail below:

the repayment center tries to divide the fund of the fund number of the overdue unremoved amount to the investor from the fund pool of the fund borrower according to the set trying period; and after each trial result, performing the following operations:

if the trial result is failure, continuing to perform the next trial when the next trial period comes and the deadline point is not reached; if the trial result is failure, stopping the trial if the next trial period comes before and the deadline point comes;

if the attempt result is successful and funds less than the current overdue and unrefined amount are drawn from a fund pool of a borrower, updating and storing the number of the funds which are not yet overdue and unrefined at the current time point when the next attempt period comes and the deadline point does not come, sending the updated number of the funds which are not yet overdue and unrefined to the insurance company platform through the insurance platform, and continuing to perform the next attempt;

if the attempt result is successful and the fund which is not less than the current amount of the funds which are overdue and not cleared is drawn from the fund pool of the borrower, sending a claim withdrawal application to an insurance company platform when the next attempt period comes and the deadline point does not come.

After the insurance company platform receives the updated current amount of funds whose overdue is not yet settled sent by the insurance platform, the insurance company platform will transfer the funds into the institution settlement fund pool according to the updated current amount of funds whose overdue is not yet settled sent by the insurance platform in the subsequent step 211.

In the embodiment of the application, in order to enable the insurance company platform to know which overdue yet undiscovered event the updated current overdue yet undiscovered fund number received corresponds to, the repayment center may set a corresponding overdue yet undiscovered event identifier for the updated current overdue yet undiscovered fund number.

In addition, after the insurance company platform receives the withdrawal claim application sent by the repayment center through the insurance platform, the claim application corresponding to the withdrawal claim application is deleted from the database, and no response is made to the event that the borrowed funds are overdue and not yet cleared corresponding to the withdrawal claim application.

Similarly, in order to enable the insurance company platform to know which overdue unreturned event the received claim revocation application corresponds to, the payment center may set a corresponding overdue unreturned event identifier for the claim revocation application.

It should be noted that, in any time period before the repayment center receives the notice of claim agreement application sent by the insurance company platform through the insurance platform, the repayment center attempts to succeed, and draws funds equal to the current number of outstanding funds from the fund pool of the borrower, so that the repayment center changes the asset financing demand state into a repayment state no matter what the asset financing demand state is.

By adopting the fund scheduling method provided by the application, when an event that the borrowed fund is not yet cleared after overdue is monitored, the financial information service platform sends a claim settlement application to the insurance company platform through the insurance platform, so that the insurance company platform can respond to the claim settlement application and divide the fund into the fund pool of the investor, and the investor can finally acquire the right to use the borrowed fund again.

Example 3

Based on the same inventive concept, the embodiment of the application provides a scheduling device of internet information resources.

As shown in fig. 3, a specific structural diagram of the apparatus provided for the embodiment of the present application mainly includes the following functional units:

a request sending module 31, configured to send a resource scheduling request to the risky service platform when an event that the borrowed resource is not yet cleared after overdue is monitored, so that the risky service platform executes: in response to the resource scheduling request, scheduling a first number of internet information resources from a compensation resource pool to a specified resource pool; the compensation resource pool is used for storing internet information resources for compensating the borrowing resources which are not yet cleared; the first quantity is not less than the current overdue unclean quantity of the internet information resources corresponding to the event.

A designated resource scheduling module 32, configured to schedule a second amount of internet information resources in the designated resource pool to a resource lender of the internet information resources that are not yet overdue; wherein the second amount is not less than the current overdue yet cleared amount.

The resource scheduling request comprises a borrowing record of the internet information resource corresponding to the event and a returning record of the internet information resource corresponding to the event; then the process of the first step is carried out,

the request sending module 31 is specifically configured to:

when an event that the borrowing of resources is not yet cleared after overdue is monitored, a resource scheduling request is sent to the risk service platform, so that the risk service platform executes the following steps: in response to the resource scheduling request, scheduling a first amount of internet information resources from a compensation resource pool to a predetermined resource pool after the authenticity verification of the borrowing and returning records passes.

The resource scheduling request also comprises an identifier of a compensation resource pool; then the process of the first step is carried out,

the request sending module 31 is specifically configured to:

when an event that the borrowing of resources is not yet cleared after overdue is monitored, a resource scheduling request is sent to the risk service platform, so that the risk service platform executes the following steps: and responding to the resource scheduling request, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request after the authenticity verification of the borrowing record and the returning record is passed.

The request sending module 31 is specifically configured to:

when an event that the borrowing of resources is not yet cleared after overdue is monitored, a resource scheduling request is sent to the risk service platform, so that the risk service platform executes the following steps: responding to the resource scheduling request, after the authenticity verification of the borrowing record and the returning record is passed, sending a resource scheduling confirmation notice, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request; then the process of the first step is carried out,

the device further comprises:

the account resource scheduling module is used for attempting to schedule the internet information resources of which the current overdue amount is not yet returned to the resource lender from a resource pool of the resource borrower of the internet information resources of which the overdue amount is not returned according to a set attempt period; and after each trial result, performing the following operations:

if the trial result is successful and the quantity of the internet information resources dispatched from the resource pool of the resource borrower to the resource lender is less than the current overdue unrefined quantity, under the condition that a resource dispatching confirmation notice is not received when the next trial period comes, updating and storing the current overdue unrefined quantity, sending the updated current overdue unrefined quantity to the risk service platform, and continuing to perform the next trial; if the trial result is successful and the amount of the internet information resources dispatched to the resource lender from the resource pool of the resource borrower is less than the current overdue unrefined amount, stopping the trial if the resource dispatching confirmation notice is received before the next trial period comes.

The resource scheduling request comprises an identifier of a compensation resource pool; then the process of the first step is carried out,

the request sending module 31 is specifically configured to:

when an event that the borrowing of resources is not yet cleared after overdue is monitored, a resource scheduling request is sent to the risk service platform, so that the risk service platform executes the following steps: and responding to the resource scheduling request, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request.

When the event that the fund is not yet borrowed within the overdue period is monitored, the resource sharing platform sends a resource scheduling request to the risk service platform, the risk service platform responds to the resource scheduling request and schedules a first amount of internet information resources to the designated resource pool from the compensation resource pool, and the resource sharing platform schedules a second amount of internet information resources in the designated resource pool to the resource lender of the internet information resources not yet borrowed within the overdue period, so that the fund lender can obtain the right of use of the borrowed fund again when the event that the fund is not yet borrowed within the overdue period occurs.

Example 4

As shown in fig. 4, a specific structural diagram of the apparatus provided for the embodiment of the present application mainly includes the following functional units:

the compensation resource scheduling module 41 is configured to, in response to a resource scheduling request sent by the resource sharing platform when an event that the borrowed resource is not yet overdue is monitored, schedule a first number of internet information resources from the compensation resource pool to a specified resource pool, so that the resource sharing platform can schedule a second number of internet information resources from the specified resource pool to a resource lender of the internet information resources that are not yet overdue.

The compensation resource pool is used for storing internet information resources for compensating the borrowing resources which are not yet cleared; the first quantity is not less than the current overdue unrecleared quantity of the internet information resources corresponding to the event; the second amount is not less than the current overdue outstanding amount.

the compensatory resource scheduling module 41 is specifically configured to:

and responding to a resource scheduling request sent to the risk service platform by the resource sharing platform when the event that the borrowed resource is not cleared after overdue is monitored, and scheduling a first amount of internet information resources to a specified resource pool from the compensation resource pool after the authenticity verification of the borrowed record and the returned record is passed.

the compensatory resource scheduling module 41 is specifically configured to:

and responding to a resource scheduling request sent by a resource sharing platform when an event that the borrowed resource is not cleared after overdue is monitored, and after the authenticity of the borrowing record and the returning record is verified, scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request.

The compensatory resource scheduling module 41 is specifically configured to:

responding to a resource scheduling request sent by a resource sharing platform when an event that the borrowed resource is not cleared after overdue is monitored, sending a resource scheduling confirmation notice after the authenticity of the borrowing record and the returning record is verified, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request; then the process of the first step is carried out,

the compensatory resource scheduling module 41 is specifically configured to:

after the authenticity of the borrowing record and the returning record is verified, determining the first quantity according to the current overdue unrecleared quantity of the internet information resources corresponding to the event sent by the resource sharing platform;

and scheduling a first amount of internet information resources to a specified resource pool from the compensation resource pool according to the first amount.

The resource scheduling request comprises an identifier of a compensation resource pool; then, the compensatory resource scheduling module 51 is specifically configured to:

and responding to a resource scheduling request sent by a resource sharing platform when an event that the borrowing of the resources is not yet cleared after overdue is monitored, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request.

Example 5

Based on the same inventive concept, the embodiment of the application provides a scheduling system of internet information resources.

As shown in fig. 5, a specific structure diagram of the system provided in the embodiment of the present application includes:

a resource sharing platform 51 and a risk service platform 52.

The resource sharing platform 51 is used for sending a resource scheduling request to the risk service platform when an event that the borrowing of the resources is not yet cleared after overdue is monitored; and scheduling a second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources which are not yet overdue;

the risk service platform 52 is used for responding to the resource scheduling request sent by the resource sharing platform, and scheduling a first amount of internet information resources from the compensation resource pool to the designated resource pool;

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 present invention has been described with reference to flowchart illustrations and/or block diagrams of methods, smart devices (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams 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 intelligent device to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing intelligent device, 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 intelligent device 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 smart device to cause a series of operational steps to be performed on the computer or other programmable smart device to produce a computer implemented process such that the instructions which execute on the computer or other programmable smart device provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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 adaptation, improvement, etc. made within the spirit and principle of the present application shall be included in the scope of the claims of the present application.

Claims

1. A method for scheduling Internet information resources is characterized in that the method comprises the following steps:

when an event that the borrowing of resources is not yet cleared after overdue is monitored, a resource scheduling request is sent to the risk service platform, so that the risk service platform executes the following steps: in response to the resource scheduling request, scheduling a first number of internet information resources from a compensation resource pool to a specified resource pool; the compensation resource pool is used for storing internet information resources for compensating the borrowing resources which are not yet cleared, and the internet information resources compensated by the compensation resource pool are used as internet shared resources provided by a resource lender;

and dispatching the second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources which are overdue and not yet cleared, and the method comprises the following steps: according to a set trying period, trying to dispatch the current overdue outstanding internet information resources to the resource lender from a resource pool of the resource borrower of the internet information resources which are overdue outstanding; and after each trial result, performing the following operations: if the trial result is successful and the quantity of the internet information resources dispatched to the resource lender from the resource pool of the resource borrower is less than the current overdue amount, under the condition that the resource dispatching confirmation notice is not received when the next trial period comes, the current overdue amount is updated and stored, the updated current overdue amount is sent to the risk service platform, and the next trial is continued.

2. The method according to claim 1, wherein the resource scheduling request includes a borrow record of the internet information resource corresponding to the event and a return record of the internet information resource corresponding to the event; then the process of the first step is carried out,

sending a resource scheduling request to the risk service platform so that the risk service platform executes: in response to the resource scheduling request, scheduling a first number of internet information resources from a compensation resource pool to a designated resource pool, including:

sending a resource scheduling request to the risk service platform so that the risk service platform executes: in response to the resource scheduling request, scheduling a first amount of internet information resources from a compensation resource pool to a predetermined resource pool after the authenticity verification of the borrowing and returning records passes.

3. The method of claim 2, wherein the resource scheduling request further includes an identification of a backoff resource pool; then the process of the first step is carried out,

sending a resource scheduling request to the risk service platform so that the risk service platform executes: in response to the resource scheduling request, scheduling a first amount of internet information resources from a compensation resource pool to a predetermined resource pool after the authenticity verification of the borrowing and returning records passes, comprising:

sending a resource scheduling request to the risk service platform so that the risk service platform executes: and responding to the resource scheduling request, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request after the authenticity verification of the borrowing record and the returning record is passed.

4. The method of claim 3, wherein the risk service platform performs: in response to the resource scheduling request, after the authenticity verification of the borrowing record and the returning record is passed, scheduling a first number of internet information resources from a compensation resource pool having the identification contained in the resource scheduling request to a predetermined resource pool, comprising:

the risk service platform executes: responding to the resource scheduling request, after the authenticity verification of the borrowing record and the returning record is passed, sending a resource scheduling confirmation notice, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request; then the process of the first step is carried out,

after each trial result, the following operations are performed:

according to a set trying period, trying to dispatch the current overdue unreturned internet information resources to a resource lender from a resource pool of the resource borrower of the internet information resources which are overdue and unreturned; and after each trial result, performing the following operations:

5. The method of claim 1, wherein the resource scheduling request includes an identification of a backoff resource pool; then the process of the first step is carried out,

sending a resource scheduling request to the risk service platform so that the risk service platform executes: and responding to the resource scheduling request, and scheduling a first amount of internet information resources to a specified resource pool from a compensation resource pool with the identifier contained in the resource scheduling request.

6. A method for scheduling internet information resources, the method comprising:

responding to a resource scheduling request sent by a resource sharing platform when an event that the borrowing resource is not yet overdue is monitored to occur, scheduling a first amount of internet information resources from a compensation resource pool to a specified resource pool so that the resource sharing platform can schedule a second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources that are not yet overdue, and the resource scheduling method comprises the following steps: according to a set trying period, trying to dispatch the current overdue outstanding internet information resources to the resource lender from a resource pool of the resource borrower of the internet information resources which are overdue outstanding; and after each trial result, performing the following operations: if the trial result is successful and the quantity of the internet information resources dispatched from the resource pool of the resource borrower to the resource lender is less than the current overdue unrefined quantity, under the condition that a resource dispatching confirmation notice is not received when the next trial period comes, updating and storing the current overdue unrefined quantity, sending the updated current overdue unrefined quantity to a risk service platform, and continuing to perform the next trial;

the compensation resource pool is used for storing internet information resources for compensating the borrowing resources which are not yet cleared, and the internet information resources compensated by the compensation resource pool are used as internet sharing resources provided by the resource lender.

7. The method according to claim 6, wherein the resource scheduling request includes a borrow record of the internet information resource corresponding to the event and a return record of the internet information resource corresponding to the event; then the process of the first step is carried out,

responding to a resource scheduling request sent by a resource sharing platform when an event that the borrowing of resources is not yet cleared after overdue is monitored, scheduling a first amount of internet information resources from a compensation resource pool to a specified resource pool, and the method comprises the following steps:

and in response to a resource scheduling request sent by the resource sharing platform when the event that the borrowed resource is not cleared after overdue is monitored, after the authenticity of the borrowing record and the returning record is verified, scheduling a first amount of internet information resources to a specified resource pool from the compensation resource pool.

8. The method of claim 7, wherein the resource scheduling request further includes an identification of a backoff resource pool; then the process of the first step is carried out,

9. The method of claim 8, wherein scheduling a first number of internet information resources from a pool of compensated resources having the identification contained in the resource scheduling request to a specified pool of resources after the authenticity verification of the borrow and return records passes comprises:

10. The method of claim 7, wherein the resource scheduling request includes an identification of a backoff resource pool; then the process of the first step is carried out,

11. An apparatus for scheduling internet information resources, the apparatus comprising:

the request sending module is used for sending a resource scheduling request to the risk service platform when an event that the borrowing of the resources is not yet cleared after overdue is monitored, so that the risk service platform executes the following steps: in response to the resource scheduling request, scheduling a first number of internet information resources from a compensation resource pool to a specified resource pool; the compensation resource pool is used for storing internet information resources for compensating borrowing resources which are not yet cleared, and comprises the following steps: according to the set trying period, trying to dispatch the current overdue unrefined internet information resources to the resource lender from a resource pool of the resource borrower of the internet information resources which are overdue and unrefined; and after each trial result, performing the following operations: if the trial result is successful and the quantity of the internet information resources dispatched from the resource pool of the resource borrower to the resource lender is less than the current overdue unrefined quantity, under the condition that a resource dispatching confirmation notice is not received when the next trial period comes, updating and storing the current overdue unrefined quantity, sending the updated current overdue unrefined quantity to the risk service platform, and continuing to perform the next trial;

and the specified resource scheduling module is used for scheduling the second amount of internet information resources in the specified resource pool to the resource lender of the internet information resources which are not yet overdue, and the internet information resources compensated by the compensation resource pool are used as internet shared resources provided by the resource lender.

12. The apparatus according to claim 11, wherein the resource scheduling request includes a borrow record of the internet information resource corresponding to the event and a return record of the internet information resource corresponding to the event; then the process of the first step is carried out,

the request sending module is specifically configured to:

13. The apparatus of claim 12, wherein the resource scheduling request further includes an identification of a backoff resource pool; then the process of the first step is carried out,

the request sending module is specifically configured to:

14. The apparatus of claim 13, wherein the request sending module is specifically configured to:

the device further comprises:

the account resource scheduling module is used for attempting to schedule the internet information resources which are overdue and unreturned to the resource lender from a resource pool of the resource borrower of the internet information resources which are overdue and unreturned according to a set attempt period; and after each trial result, performing the following operations:

15. The apparatus of claim 11, wherein the resource scheduling request includes an identification of a backoff resource pool; then the process of the first step is carried out,

the request sending module is specifically configured to:

16. An apparatus for scheduling internet information resources, the apparatus comprising:

the compensation resource scheduling module is used for responding to a resource scheduling request sent by the resource sharing platform when an event that the resource is not yet borrowed after overdue is monitored, scheduling a first amount of internet information resources from a compensation resource pool to a specified resource pool so that the resource sharing platform can schedule a second amount of internet information resources in the specified resource pool to a resource lender of the internet information resources not yet borrowed after overdue, and comprises the following steps: according to a set trying period, trying to dispatch the current overdue outstanding internet information resources to the resource lender from a resource pool of the resource borrower of the internet information resources which are overdue outstanding; and after each trial result, performing the following operations: if the trial result is successful and the quantity of the internet information resources dispatched from the resource pool of the resource borrower to the resource lender is less than the current overdue unrefined quantity, under the condition that a resource dispatching confirmation notice is not received when the next trial period comes, updating and storing the current overdue unrefined quantity, sending the updated current overdue unrefined quantity to a risk service platform, and continuing to perform the next trial;

17. The apparatus according to claim 16, wherein the resource scheduling request includes a borrow record of the internet information resource corresponding to the event and a return record of the internet information resource corresponding to the event; then the process of the first step is carried out,

the compensation resource scheduling module is specifically configured to:

18. The apparatus of claim 17, wherein the resource scheduling request further includes an identification of a backoff resource pool; then the process of the first step is carried out,

the compensation resource scheduling module is specifically configured to:

19. The apparatus of claim 18, wherein the compensatory resource scheduling module is specifically configured to:

after the authenticity of the borrowing record and the returning record is verified, determining the first quantity according to the current overdue unrecleared quantity of the internet information resources corresponding to the event sent by the resource sharing platform; and scheduling a first amount of internet information resources to a specified resource pool from the compensation resource pool according to the first amount.

20. The apparatus of claim 16, wherein the resource scheduling request includes an identification of a backoff resource pool; then, the compensating resource scheduling module is specifically configured to:

21. A system for scheduling internet information resources, the system comprising:

the resource sharing platform is used for sending a resource scheduling request to the risk service platform when an event that the borrowing of the resources is not yet cleared after overdue is monitored; and dispatching a second amount of internet information resources in the specified resource pool to a resource lender of internet information resources which are overdue and not yet cleared, comprising: according to the set trying period, trying to dispatch the current overdue outstanding internet information resources to the resource lender from the resource pool of the resource borrower of the internet information resources overdue outstanding; and after each trial result, performing the following operations: if the trial result is successful and the quantity of the internet information resources dispatched from the resource pool of the resource borrower to the resource lender is less than the current overdue unrefined quantity, under the condition that a resource dispatching confirmation notice is not received when the next trial period comes, updating and storing the current overdue unrefined quantity, sending the updated current overdue unrefined quantity to the risk service platform, and continuing to perform the next trial;