CN109146659A

CN109146659A - Resource allocation methods and device, system

Info

Publication number: CN109146659A
Application number: CN201710457992.4A
Authority: CN
Inventors: 韩玉麟; 熊益斌; 叶蕾芳; 刘荣昌
Original assignee: Alibaba Group Holding Ltd
Current assignee: Alibaba Group Holding Ltd
Priority date: 2017-06-16
Filing date: 2017-06-16
Publication date: 2019-01-04

Abstract

The application provides a kind of resource allocation methods and device, system, and this method may include: that server-side receives the resource allocation request for being directed to group；The server-side determines the corresponding first resource distribution amount of the group, the corresponding Secondary resource distribution amount of the intracorporal member of the group in response to the resource allocation request；The server-side distributes amount according to the first resource and the Secondary resource distributes amount, determines the corresponding resource allocation full amount of the group, to match resource to the team score according to the resource allocation full amount.By the technical solution of the application, the amount of multiple objects can be determined respectively, and these amounts are applied to single object, to promote the full amount of single object, facilitate the reasonability and validity that promote resource allocation.

Description

Resource allocation methods and device, system

Technical field

This application involves resource allocation techniques field more particularly to a kind of resource allocation methods and device, system.

Background technique

In the related art, resource allocation amount according to each object can be distributed to corresponding object without departing from this The resource of resource allocation amount.Resource allocation amount can carry out analysis determination with object-based historical data, thus certain Reflect object to information such as the conditions of demand of resource in degree.

However, there may be certain variations for the resource requirement situation of object, especially when resource requirement becomes larger, script Resource allocation amount will be unable to the actual demand for meeting object；Meanwhile the resource allocation amount of other objects is although larger, still These objects may not need corresponding resource actually.

Therefore, Resource Allocation Formula in the related technology often there is a problem of unreasonable to resource allocation.

Summary of the invention

In view of this, the application provides a kind of resource allocation methods and device, system, multiple objects can be determined respectively Amount, and these amounts are applied to single object, to promote the full amount of single object, facilitate the conjunction for promoting resource allocation Rationality and validity.

To achieve the above object, it is as follows to provide technical solution by the application:

According to a first aspect of the present application, a kind of resource allocation system is proposed, comprising: the corresponding group end of group, institute The corresponding member end of the intracorporal member of the group of stating, server-side；

Resource allocation request is initiated to the server-side in the group end；

The server-side sends to the member end in response to the resource allocation request and participates in inquiry message；

The member end returns to the server-side and joins when receiving for the confirmation response for participating in inquiry message With confirmation message；

The server-side in response to the participation confirmation message, according to the corresponding first resource distribution amount of the group, The corresponding Secondary resource of the member distributes amount, determines the resource allocation full amount of the group, according to the resource point Match resource to the team score with full amount.

According to a second aspect of the present application, a kind of resource allocation system is proposed, comprising: the corresponding group end of group, institute The corresponding member end of the intracorporal member of the group of stating, server-side；

Resource allocation request is initiated to the server-side in the member end；

The server-side sends demand to the group end and inquires message in response to the resource allocation request；

When receiving the confirmation response for demand inquiry message, returning to the server-side is needed at the group end Seek confirmation message；

The server-side in response to the requirement validation message, according to the corresponding first resource distribution amount of the group, The corresponding Secondary resource of the member distributes amount, determines the resource allocation full amount of the group, according to the resource point Match resource to the team score with full amount.

According to the third aspect of the application, a kind of resource allocation system is proposed, comprising: the corresponding group end of group, institute The corresponding member end of the intracorporal member of the group of stating, server-side；

Resource allocation request is initiated to the server-side in the group end or the member end；

The server-side in response to the resource allocation request, according to the corresponding first resource distribution amount of the group, The corresponding Secondary resource of the member distributes amount, determines the resource allocation full amount of the group, according to the resource point Match resource to the team score with full amount.

According to the fourth aspect of the application, a kind of resource allocation methods are proposed, comprising:

Server-side receives the resource allocation request for being directed to group；

The server-side in response to the resource allocation request, determine the corresponding first resource distribution amount of the group, The corresponding Secondary resource of the intracorporal member of group distributes amount；

The server-side distributes amount according to the first resource and the Secondary resource distributes amount, determines the group Corresponding resource allocation full amount, to match resource to the team score according to the resource allocation full amount.

According to the 5th of the application the aspect, a kind of resource allocation methods are proposed, comprising:

The server-side sends amount inquiry request in response to the resource allocation request, to credit management platform, with by The credit management platform determines the first resource distribution amount corresponding to the group, corresponds to the intracorporal member of the group Secondary resource distribute amount；

The server-side distributes amount and the corresponding resource point of Secondary resource distribution amount according to the first resource With full amount, instruction of resource allocation is sent to resource allocation platform, so that the resource allocation platform is according to the resource allocation Full amount matches resource to the team score.

According to the 6th of the application the aspect, a kind of resource allocation methods are proposed, comprising:

Server-side receives the resource allocation request for being directed to the first object；

The server-side determines the corresponding first resource allocation of first object in response to the resource allocation request The corresponding Secondary resource of degree, the second object relevant to first object distributes amount；

The server-side distributes amount according to the first resource and the Secondary resource distributes amount, determines described first The corresponding resource allocation full amount of object, to distribute resource to first object according to the resource allocation full amount.

According to the 7th of the application the aspect, a kind of resource allocation device is proposed, comprising:

Request reception unit makes server-side receive the resource allocation request for being directed to group；

Request-response unit makes the server-side in response to the resource allocation request, determines the group corresponding One resource allocation amount, the corresponding Secondary resource of the intracorporal member of the group distribute amount；

Full amount determination unit, the server-side distribute amount and the Secondary resource allocation according to the first resource Degree, determines the corresponding resource allocation full amount of the group, to match money to the team score according to the resource allocation full amount Source.

According to the eighth aspect of the application, a kind of resource allocation device is proposed, comprising:

First receiving unit makes server-side receive the resource allocation request for being directed to group；

First response unit, makes the server-side in response to the resource allocation request, sends volume to credit management platform Inquiry request is spent, to determine the first resource distribution amount corresponding to the group by the credit management platform, correspond to The Secondary resource of the intracorporal member of group distributes amount；

First determination unit makes the server-side distribute amount and the Secondary resource allocation according to the first resource Corresponding resource allocation full amount is spent, instruction of resource allocation is sent to resource allocation platform, so that the resource allocation platform root Match resource to the team score according to the resource allocation full amount.

According to the 9th of the application the aspect, a kind of resource allocation device is proposed, comprising:

Second receiving unit makes server-side receive the resource allocation request for being directed to the first object；

Second response unit makes the server-side in response to the resource allocation request, determines that first object is corresponding The corresponding Secondary resource distribution amount of first resource distribution amount, the second object relevant to first object；

Second determination unit makes the server-side distribute amount and the Secondary resource allocation according to the first resource Degree, determine the corresponding resource allocation full amount of first object, with according to the resource allocation full amount to described first pair As distributing resource.

According to the tenth of the application the aspect, a kind of resource allocation methods are proposed, comprising:

The server-side determines the corresponding resource allocation volume of the intracorporal member of the group in response to the resource allocation request Degree；

The resource allocation amount is divided to the group by the server-side, with according to the resource allocation amount to institute Team score is stated with resource.

On the one hand according to the tenth of the application the, a kind of resource allocation methods are proposed, comprising:

The server-side sends amount inquiry request in response to the resource allocation request, to credit management platform, with by The credit management platform determines the resource allocation amount corresponding to the intracorporal member of the group；

The server-side sends instruction of resource allocation to resource allocation platform according to the resource allocation amount, so that described Resource allocation platform matches resource to the team score according to the resource allocation amount.

According to the 12nd of the application the aspect, a kind of loan origination method is proposed, comprising:

Server-side receives the loan origination request for group；

The server-side is requested in response to the loan origination, determines corresponding first accrediting amount of the group, described Corresponding second accrediting amount of the intracorporal member of group；

The server-side determines that the group is corresponding and awards according to first accrediting amount and second accrediting amount Full amount is believed, to offer loans according to the credit full amount to the group.

According to the 13rd of the application the aspect, a kind of loan origination method is proposed, comprising:

Server-side receives the loan origination request for group；

The server-side is requested in response to the loan origination, to credit management platform send amount inquiry request, with by The credit management platform determines first accrediting amount corresponding to the group, the corresponding to the intracorporal member of the group Two accrediting amounts；

The server-side is according to first accrediting amount and the corresponding credit full amount of second accrediting amount, to loan Money provides platform and sends loan origination instruction, so that the loan origination platform is sent out according to the credit full amount to the group Lending money.

According to the fourteenth aspect of the application, a kind of loan origination method is proposed, comprising:

Server-side receives the loan origination request for group；

The server-side is requested in response to the loan origination, determines the corresponding accrediting amount of the intracorporal member of the group；

The accrediting amount is divided to the group by the server-side, to be sent out according to the accrediting amount to the group Lending money.

According to the 15th of the application the aspect, a kind of loan origination method is proposed, comprising:

Server-side receives the loan origination request for group；

The server-side is requested in response to the loan origination, to credit management platform send amount inquiry request, with by The credit management platform determines the accrediting amount corresponding to the intracorporal member of the group；

The server-side sends loan origination instruction to loan origination platform according to the accrediting amount, so that the loan Platform is provided to be offered loans according to the accrediting amount to the group.

According to the 16th of the application the aspect, a kind of resource allocation device is proposed, comprising:

Request-response unit makes the server-side in response to the resource allocation request, determines the intracorporal member of the group Corresponding resource allocation amount；

Amount division unit makes the server-side that the resource allocation amount is divided to the group, according to Resource allocation amount matches resource to the team score.

According to the 17th of the application the aspect, a kind of resource allocation device is proposed, comprising:

Request-response unit, makes the server-side in response to the resource allocation request, sends volume to credit management platform Inquiry request is spent, to determine the resource allocation amount corresponding to the intracorporal member of the group by the credit management platform；

Instruction sending unit makes the server-side send resource point to resource allocation platform according to the resource allocation amount With instruction, so that the resource allocation platform matches resource to the team score according to the resource allocation amount.

According to the 18th of the application the aspect, a kind of loan origination device is proposed, comprising:

Request reception unit makes server-side receive the loan origination request for group；

Request-response unit requests that the server-side in response to the loan origination, determines the group corresponding One accrediting amount, corresponding second accrediting amount of the intracorporal member of the group；

Full amount determination unit makes the server-side according to first accrediting amount and second accrediting amount, really The corresponding credit full amount of the group is determined, to offer loans according to the credit full amount to the group.

According to the 19th of the application the aspect, a kind of loan origination device is proposed, comprising:

Request-response unit requests that the server-side in response to the loan origination, sends volume to credit management platform Inquiry request is spent, described in being determined first accrediting amount corresponding to the group by the credit management platform, be corresponded to Second accrediting amount of the intracorporal member of group；

Instruction sending unit keeps the server-side corresponding according to first accrediting amount and second accrediting amount Credit full amount sends loan origination instruction to loan origination platform, so that the loan origination platform is total according to the credit Amount is offered loans to the group.

According to the 20th of the application the aspect, a kind of loan origination device is proposed, comprising:

Request-response unit requests that the server-side in response to the loan origination, determines the intracorporal member of the group The corresponding accrediting amount；

Amount division unit makes the server-side that the accrediting amount is divided to the group, according to the credit Amount is offered loans to the group.

On the one hand according to the 20th of the application the, a kind of loan origination device is proposed, comprising:

Request-response unit requests that the server-side in response to the loan origination, sends volume to credit management platform Inquiry request is spent, to determine the accrediting amount corresponding to the intracorporal member of the group by the credit management platform；

Instruction sending unit makes the server-side send loan origination to loan origination platform according to the accrediting amount and refers to It enables, so that the loan origination platform is offered loans according to the accrediting amount to the group.

By above technical scheme as it can be seen that the application passes through the amount for determining multiple objects respectively, such as group and member etc., The amount of these objects is applied on same target, so that the overall quantity in the amount of these objects is constant In the case of, it can temporarily increase the full amount of same target, help to promote the reasonability to resource allocation.

Detailed description of the invention

Fig. 1 is a kind of configuration diagram for resource allocation system that one exemplary embodiment of the application provides.

Fig. 2A is a kind of flow chart for resource allocation methods that one exemplary embodiment of the application provides.

Fig. 2 B is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.

Fig. 2 C is a kind of flow chart for loan origination method that one exemplary embodiment of the application provides.

Fig. 2 D is the flow chart for another loan origination method that one exemplary embodiment of the application provides.

Fig. 3 is the flow chart that a kind of credit crowd that one exemplary embodiment of the application provides raises scheme.

Fig. 4 is the schematic diagram at the project initiation interface that credit crowd shown in Fig. 3 raises scheme.

Fig. 5 is that credit crowd shown in Fig. 3 raises the credit crowd of scheme and raises the schematic diagram at interface.

Fig. 6 is the schematic diagram at the Risk-warning interface that credit crowd shown in Fig. 3 raises scheme.

Fig. 7 is the configuration diagram for another resource allocation system that one exemplary embodiment of the application provides.

Fig. 8 A is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.

Fig. 8 B is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.

Fig. 8 C is the flow chart for another loan origination method that one exemplary embodiment of the application provides.

Fig. 8 D is the flow chart for another loan origination method that one exemplary embodiment of the application provides.

Fig. 9 A is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.

Fig. 9 B is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.

Figure 10 is the structural schematic diagram for a kind of electronic equipment that one exemplary embodiment of the application provides.

Figure 11 is a kind of block diagram for resource allocation device that one exemplary embodiment of the application provides.

Figure 12 is the block diagram for another resource allocation device that one exemplary embodiment of the application provides.

Figure 13 is the block diagram for another resource allocation device that one exemplary embodiment of the application provides.

Figure 14 is the block diagram for another resource allocation device that one exemplary embodiment of the application provides.

Figure 15 is the block diagram for another resource allocation device that one exemplary embodiment of the application provides.

Figure 16 is the structural schematic diagram for a kind of electronic equipment that one exemplary embodiment of the application provides.

Figure 17 is a kind of block diagram for loan origination device that one exemplary embodiment of the application provides.

Figure 18 is the block diagram for another loan origination device that one exemplary embodiment of the application provides.

Figure 19 is the block diagram for another loan origination device that one exemplary embodiment of the application provides.

Figure 20 is the block diagram for another loan origination device that one exemplary embodiment of the application provides.

Specific embodiment

Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment Described in embodiment do not represent all embodiments consistent with the application.On the contrary, they be only with it is such as appended The example of the consistent device and method of some aspects be described in detail in claims, the application.

Fig. 1 is a kind of configuration diagram for resource allocation system that one exemplary embodiment of the application provides.Such as Fig. 1 institute Show, which may include server 11, network 12, community electronic equipment 13 (such as mobile phone 131, PC132 etc.), member's electronics Equipment 14 (such as mobile phone 141, PC142 etc.).

Server 11 can be able to be mainframe cluster for the physical server comprising a unique host or the server 11 The virtual server of carrying or the server 11 can be Cloud Server.In the process of running, server 11 can run certain The program of the server side of one application, using the server-side as the application, the related service function for realizing the application, such as The business function may include the resource allocation function etc. of the application.

Mobile phone 131, PC132 are a type of community electronic equipment 13 that can be used；Similarly, mobile phone 141, PC142 is a type of member's electronic equipment 14 that can be used.In fact, community electronic equipment 13, member's electronics are set Standby 14 obviously can also include the electronic equipment of such as following types: tablet device, laptop, palm PC (PDAs, Personal Digital Assistants), wearable device (such as smart glasses, smart watches) etc., the application is not right This is limited.In the process of running, community electronic equipment 13 can run the program of the client-side of a certain application, using as The group end of the application, the related service function for realizing the application and member's electronic equipment 14 can run a certain answer The program of client-side, using as the application member end, for realizing the related service function of the application.Wherein, it rolls into a ball Body electronic equipment 13 and member's electronic equipment 14 can run identical client-side program, and by the program according to the account of login Number be group's account or member's account, to realize different business functions；Alternatively, community electronic equipment 13 and member's electronic equipment 14 can run different client-side programs, and each program is respectively used to realize corresponding business function.

And the network 12 for being interacted between community electronic equipment 13, member's electronic equipment 14 and server 11, it can To include a plurality of types of wired or wireless networks.In one embodiment, which may include Public Switched Telephone Network (Public Switched Telephone Network, PSTN) and internet.Meanwhile more (if present) community electronics Communication interaction can also be carried out by the network 12 between equipment 13；Similarly, more (if present) member electronic equipments 14 Between communication interaction can also be carried out by the network 12.

Below for the Resource Allocation Formula under group's scene, it is illustrated in conjunction with Fig. 2A -2B；Wherein, Fig. 2A is this Shen Please an exemplary embodiment provide a kind of resource allocation methods flow chart.As shown in Figure 2 A, this method is applied to server-side On, it may comprise steps of:

Step 202A, server-side receive the resource allocation request for being directed to group.

In one embodiment, the resource allocation request can be sent to the service by the corresponding group end of the group End.So, the server-side can send to the member end in response to the resource allocation request and participate in inquiry message；When The member end can participate in true when receiving for the confirmation response for participating in inquiry message to server-side return Recognize message；Then, the server-side can be in response to the participation confirmation message, according to the corresponding first resource point of the group Amount is distributed with amount, the corresponding Secondary resource of the member, the resource allocation full amount of the group is determined, according to Resource allocation full amount matches resource to the team score.Certainly, if member is unwilling to participate in, needle can be sent by member end Refuse to respond (or being not responding to) to inquiry message is participated in so that server-side when receiving this and refusing to respond, avoid by The corresponding Secondary resource distribution amount of member is included in above-mentioned resource allocation full amount.Wherein, group likely corresponds to one Or multiple members；When group corresponds to multiple members, server-side can send above-mentioned participation confirmation at least one member Message, and when receiving participation confirmation message of any member to the participation confirmation message, it determines any member is corresponding Secondary resource distribution amount be included in above-mentioned resource allocation full amount.

In another embodiment, the resource allocation request can be sent to the clothes by the corresponding member end of the member Business end.So, the server-side can send demand to the group end and inquire message in response to the resource allocation request； When the group end receive for the demand inquiry message confirmation response when, can to the server-side return demand Confirmation message；Then, the server-side can be in response to the requirement validation message, according to the corresponding first resource of the group Amount, the corresponding Secondary resource distribution amount of the member are distributed, the resource allocation full amount of the group is determined, according to institute Resource allocation full amount is stated to the team score with resource.It certainly, can be with if group is unwilling to receive the amount of member's offer It is sent by group end and inquires that message refuses to respond (or being not responding to) for demand, so that server-side is refused receiving this Lost art is seasonable, avoids for the corresponding Secondary resource distribution amount of member being included in above-mentioned resource allocation full amount.Wherein, group Likely correspond to one or more members；When group corresponds to multiple members, any member can initiate to provide to server-side Source distribution request, to show that it wishes itself corresponding Secondary resource distribution amount being provided to group, to be included in above-mentioned money Full amount is distributed in source.Each member can also combine other one or more members, initiate resource allocation to server-side jointly and ask It asks；For example, the resource provisioning application for being directed to same group is sent from multiple members to server-side, when the quantity of resource provisioning application Or the sum of the corresponding resource allocation amount of these members, when reaching default value, server-side can determine and receive for the group The resource allocation request of body.

In the present embodiment, group may include a plurality of types of tissues such as enterprise, public institution, public organization, this Shen Please limited not to this.It, can be by the corresponding resource of these members since group frequently includes at least one member Distribution amount, which is included in, considers the corresponding resource allocation amount of group itself, so that group can obtain bigger resource point With amount.

Step 204A, the server-side determine the corresponding first resource of the group in response to the resource allocation request Distribute amount, the corresponding Secondary resource of the intracorporal member of the group distributes amount.

In the present embodiment, the first resource distribution amount can be related to the history credit data of the group, institute Stating Secondary resource distribution amount can be related to the history credit data of the member；It is, of course, also possible to according to other factors Consider, distribute amount with the above-mentioned first resource distribution amount of determination and Secondary resource, the application limits not to this.

In the present embodiment, resource allocation amount may include the distribution amount for any type of resource；Wherein, it provides Source may include the virtual resources such as communication resources, process resource, data resource, fund, convertible note, also may include food, day Actual resources, the application such as articles, transaction kinds of goods limit not to this.

In the present embodiment, server-side can be determined first resource distribution amount and Secondary resource allocation by itself Degree or the server-side can also be inquired to external platform, and receive the first resource allocation of external platform return Degree and Secondary resource distribute amount.

Step 206A, the server-side distributes amount according to the first resource and the Secondary resource distributes amount, really The corresponding resource allocation full amount of the group is determined, to match resource to the team score according to the resource allocation full amount.

In the present embodiment, the server-side, which can determine in the first resource distribution amount, is included into the resource point The second value of the resource allocation full amount is included into the first numerical value, Secondary resource distribution amount with full amount； Then, the sum of first numerical value and the second value can be determined as the resource allocation full amount by the server-side.

Wherein, first resource distribution amount can be determined as first numerical value by the server-side；Alternatively, described Server-side can send the requisition inquiry of the first amount to the corresponding group end of the group, with the inquiry returned according to the group end Ask that result determines first numerical value, and first numerical value should distribute amount no more than first resource.And the server-side The Secondary resource can be distributed to amount and be determined as the second value；Alternatively, the server-side can be to the member couple The member end answered sends the requisition inquiry of the second amount, determines second number with the inquiry result returned according to the member end Value, and the second value should distribute amount no more than Secondary resource.

In the present embodiment, server-side can match resource from itself to team score；Alternatively, server-side can be to external platform It informs the resource allocation full amount, and matches resource from external platform to team score, the application limits not to this.

In the present embodiment, the server-side can determine that the group is provided using the increment that assigned resource obtains Source；Then, the server-side can according to default allocation rule, by least part of the increment resource distribute to it is described at Member.For example, the default allocation rule may include: 1) to distribute the resource of fixed numbers；2) fixation in the increment resource is distributed The resource of ratio；3) determine Secondary resource distribution amount in by the second value of cut-in resource allocation full amount, calculate this second Proportion of the numerical value in resource allocation full amount, and the resource allocation of the proportion will be corresponded to extremely in the increment resource Above-mentioned member；It is, of course, also possible to which using any other rule, the application limits not to this.

In the present embodiment, when the group not according to default rule of giving back to being assigned to the resource progress of the group When giving back, the server-side can distribute in amount according to the Secondary resource and be included into the second of the resource allocation full amount Numerical value obtains the resource for being not more than the second value, is given back with substituting the group；Then, the server-side will be by Substituting the resource record given back is to be assigned to the member, default to be given back rule according to described by the member and returned Also.In other words, after group obtains the resource of distribution, it may be necessary to these resources are given back according to default rule of giving back, For example it fully gives back or gives back by stages；When itself corresponding resource allocation amount is provided to group by member, need to undertake Group can not return in time the risk of resource so that when the group fail really according to it is default give back regular returned resource when, clothes Business end is by being to be assigned the resource record given back by substitution to the member, so that needing to carry out respective resources by the member It gives back.

In the present embodiment, the server-side can determine the group with the presence or absence of following risks: can not be according to default It gives back rule and implements to be directed to be assigned to the resource of the group to give back operation；Wherein, the server-side is determining exist When the risk, the default resource for giving back rule definition can be given back to the time limit and done sth. in advance, it is general with the generation for reducing the risk Rate.Wherein, since member can be more rapid or even sensed in advance is to group's above-mentioned risk that may be present, thus can shift to an earlier date Risk-warning request is initiated to server-side, then server-side can be requested according to the Risk-warning received, determines the group With the presence or absence of the risk；For example, if position of the member in group is higher than default position, or more than preset quantity Member initiated Risk-warning request or server-side receive Risk-warning request after can to other in group at Member is solved and the member beyond preset quantity confirmed the risk, or in other cases, server-side can be determined that Respective risk is implicitly present in for group.

Fig. 2 B is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.Such as Fig. 2 B institute To show, this method is applied in server-side, it may comprise steps of:

Step 202B, server-side receive the resource allocation request for being directed to group.

In one embodiment, the resource allocation request can be sent to the service by the corresponding group end of the group End.So, the server-side can send to the member end in response to the resource allocation request and participate in inquiry message；When The member end can participate in true when receiving for the confirmation response for participating in inquiry message to server-side return Recognize message；Then, the server-side can be in response to the participation confirmation message, by the corresponding resource allocation amount of the member It is divided to the group, to match resource to the team score according to the resource allocation amount.Certainly, if member is unwilling to join With can be sent by member end and refuse to respond (or being not responding to) for participating in inquiry message, so that server-side is connecing When receiving this and refusing to respond, avoid the corresponding resource allocation amount of member being divided to the group.Wherein, group may correspond to In one or more members；When group corresponds to multiple members, server-side can send above-mentioned ginseng at least one member With confirmation message, and when receiving participation confirmation message of any member to the participation confirmation message, determination by this it is any at The corresponding resource allocation amount of member is divided to the group.

In another embodiment, the resource allocation request can be sent to the clothes by the corresponding member end of the member Business end.So, the server-side can send demand to the group end and inquire message in response to the resource allocation request； When the group end receive for the demand inquiry message confirmation response when, can to the server-side return demand Confirmation message；Then, the server-side can be in response to the requirement validation message, by the corresponding resource allocation volume of the member Degree is divided to the group, to match resource to the team score according to the resource allocation amount.Certainly, if group is unwilling The amount of member's offer is provided, can be sent by group end and refuse to respond (or being not responding to) for demand inquiry message, So that server-side when receiving this and refusing to respond, avoids the corresponding resource allocation amount of member dividing the group.Its In, group likely corresponds to one or more members；When group corresponds to multiple members, any member can be to server-side Resource allocation request is initiated, to show that it wishes itself corresponding resource allocation amount being provided to group.Each member may be used also To combine other one or more members, resource allocation request is initiated to server-side jointly；For example, from multiple members to server-side The resource provisioning application for being directed to same group is sent, when the quantity or the corresponding resource allocation of these members of resource provisioning application When the sum of amount reaches default value, server-side can determine the resource allocation request received for the group.

In the present embodiment, group may include a plurality of types of tissues such as enterprise, public institution, public organization, this Shen Please limited not to this.Group frequently includes at least one member, therefore can be by the corresponding resource allocation of these members Amount is divided to group, so that group can be assigned the resource of corresponding amount.

Step 204B, the server-side determine that the intracorporal member of the group is corresponding in response to the resource allocation request Resource allocation amount.

In the present embodiment, the resource allocation amount can be related to the history credit data of the member；Certainly, also It can be considered according to other factors, with the above-mentioned resource allocation amount of determination, the application limits not to this.

In the present embodiment, server-side can be determined that the resource allocation amount or the server-side can also by itself To be inquired to external platform, and receive the resource allocation amount of external platform return.

The resource allocation amount is divided to the group by step 206B, the server-side, according to the resource point Match resource to the team score with amount.

In the present embodiment, the resource allocation amount can be all divided to the group by the server-side；Alternatively, The server-side can send amount requisition inquiry to the corresponding member end of the member, with the inquiry returned according to the member end Ask that result determines the numerical value for needing to be divided to the group in the resource allocation amount, and the numerical value should be no more than described Resource allocation amount.

In the present embodiment, the server-side can determine that the group is provided using the increment that assigned resource obtains Source；Then, the server-side can according to default allocation rule, by least part of the increment resource distribute to it is described at Member.For example, the default allocation rule may include: 1) to distribute the resource of fixed numbers；2) fixation in the increment resource is distributed The resource of ratio；3) it determines the numerical value for being divided to the group in the resource allocation amount, calculates the numerical value and distributing extremely Proportion in all resources of the group, and the resource allocation for corresponding to the proportion in the increment resource is supreme State member；It is, of course, also possible to which using any other rule, the application limits not to this.

In the present embodiment, when the group not according to default rule of giving back to being assigned to the resource progress of the group When giving back, the server-side can be not more than according to the numerical value for being divided to the group in the resource allocation amount, acquisition The resource of the numerical value is given back with substituting the group；Then, the resource record given back by substitution is by the server-side It is assigned to the member, default to be given back rule according to described by the member and given back.In other words, when group is divided After the resource matched by stages, it may be necessary to be given back according to default rule of giving back to these resources, for example fully give back or give back Deng；When itself corresponding resource allocation amount is provided to group by member, resource can not be returned in time by needing to undertake group Risk so that when the group fail really according to it is default give back regular returned resource when, server-side by substitution by will be given back Resource record is to be assigned to the member, so that needing to give back respective resources by the member.

Fig. 2 C is a kind of flow chart for loan origination method that one exemplary embodiment of the application provides.As shown in Figure 2 C, This method is applied in server-side, may comprise steps of:

Step 202C, server-side receive the loan origination request for group.

In one embodiment, the loan origination request can be sent to the service by the corresponding group end of the group End.So, the server-side can be requested in response to the loan origination, sent to the member end and participated in inquiry message；When The member end can participate in true when receiving for the confirmation response for participating in inquiry message to server-side return Recognize message；Then, the server-side can be in response to the participation confirmation message, according to the corresponding first credit volume of the group Degree, corresponding second accrediting amount of the member, determine the credit full amount of the group, with according to the credit full amount to The group offers loans.Certainly, it if member is unwilling to participate in, can be sent by member end for participation inquiry message (or being not responding to) is refused to respond, so that server-side avoids awarding member corresponding second when receiving this and refusing to respond Letter amount is included in above-mentioned credit full amount.Wherein, group likely corresponds to one or more members；When group is corresponding to more When a member, server-side can send above-mentioned participation confirmation message at least one member, and receive any member pair When the participation confirmation message of the participation confirmation message, determines and corresponding second accrediting amount of any member is included in above-mentioned award Believe full amount.

In another embodiment, the loan origination request can be sent to the clothes by the corresponding member end of the member Business end.So, the server-side can be requested in response to the loan origination, sent demand to the group end and inquired message； When the group end receive for the demand inquiry message confirmation response when, can to the server-side return demand Confirmation message；Then, the server-side can be in response to the requirement validation message, according to corresponding first credit of the group Amount, corresponding second accrediting amount of the member, determine the credit full amount of the group, according to the credit full amount It offers loans to the group.Certainly, if group is unwilling to receive the amount of member's offer, needle can be sent by group end (or being not responding to) is refused to respond to demand inquiry message so that server-side when receiving this and refusing to respond, avoid by Corresponding second accrediting amount of member is included in above-mentioned credit full amount.Wherein, group likely correspond to it is one or more at Member；When group corresponds to multiple members, any member can initiate loan origination request to server-side, to show its hope Itself corresponding second accrediting amount is provided to group, to be included in above-mentioned credit full amount.Each member can also combine Other one or more members, initiate loan origination request to server-side jointly；For example, sending needle from multiple members to server-side Credit application to same group, when the quantity of credit application or the sum of the corresponding accrediting amount of these members reach default When numerical value, server-side is that can determine the loan origination request received for the group.

In the present embodiment, group may include a plurality of types of tissues such as enterprise, public institution, public organization, this Shen Please limited not to this.It, can be by the corresponding credit of these members since group frequently includes at least one member Amount, which is included in, considers the corresponding accrediting amount of group itself, so that group can obtain the bigger accrediting amount.

Step 204C, the server-side are requested in response to the loan origination, determine corresponding first credit of the group Amount, corresponding second accrediting amount of the intracorporal member of the group.

In the present embodiment, first accrediting amount can be related to the history credit data of the group, and described Two accrediting amounts can be related to the history credit data of the member；It is, of course, also possible to considered according to other factors, with Determine that above-mentioned first accrediting amount and second accrediting amount, the application limit not to this.

In the present embodiment, server-side can be determined first accrediting amount and second accrediting amount by itself, or should Server-side can also be inquired to external platform, and receive first accrediting amount and the second credit volume of external platform return Degree.

Step 206C, the server-side determine the group according to first accrediting amount and second accrediting amount The corresponding credit full amount of body, to be offered loans according to the credit full amount to the group.

In the present embodiment, the server-side, which can determine, is included into the credit full amount in first accrediting amount The first numerical value, the second value of the credit full amount is included into second accrediting amount；Then, the server-side can The sum of first numerical value and the second value are determined as the credit full amount.

Wherein, first accrediting amount can be determined as first numerical value by the server-side；Alternatively, the service End can send the requisition inquiry of the first amount to the corresponding group end of the group, with the inquiry knot returned according to the group end Fruit determines first numerical value, and first numerical value should be not more than first accrediting amount.And the server-side can be by institute It states second accrediting amount and is determined as the second value；Alternatively, the server-side can be sent out to the corresponding member end of the member The requisition inquiry of the second amount is sent, the second value, and second number are determined with the inquiry result returned according to the member end Value should be not more than second accrediting amount.

In the present embodiment, server-side can be offered loans from itself to group；Alternatively, server-side can be to external platform It informs the credit full amount, and is offered loans from external platform to group, the application limits not to this.

In the present embodiment, the server-side can determine the income that the group is obtained using the loan being issued；So Afterwards, the server-side can distribute at least part of the income to the member according to default allocation rule.For example, The default allocation rule may include: 1) to distribute the fund of fixed numbers；2) fund of the fixed proportion in the income is distributed；3) The institute that the second value is calculated by the second value of cut-in credit full amount in credit full amount is determined in second accrediting amount Accounting example, and the funds release of the proportion will be corresponded in the income to above-mentioned member；It is, of course, also possible to using other Meaning rule, the application limit not to this.

In the present embodiment, when the group is not according to the default loan progress for giving back rule to the group is issued to When giving back, the server-side can be obtained according to the second value for being included into the credit full amount in second accrediting amount The fund no more than the second value is taken, is given back with substituting the group；Then, the server-side will be given back by substitution Fund be recorded as being issued to the member, default to be given back rule according to described by the member and given back.In other words, After group obtains the loan provided, it may be necessary to give back according to default rule of giving back to these loans, for example fully return Also or by stages give back；When itself corresponding accrediting amount is provided to group by member, needing to undertake group can not return in time The risk of repaying so that when the group fail really according to it is default give back regular repayment of bank loans when, server-side will be by that will be replaced The loan documentation that generation gives back is to be issued to the member, so that needing to give back corresponding loan by the member.

In the present embodiment, the server-side can determine the group with the presence or absence of following risks: can not be according to default It gives back rule and implements to be directed to be assigned to the loan of the group to give back operation；Wherein, the server-side is determining exist When the risk, the default loan for giving back rule definition can be given back to the time limit and done sth. in advance, it is general with the generation for reducing the risk Rate.Wherein, since member can be more rapid or even sensed in advance is to group's above-mentioned risk that may be present, thus can shift to an earlier date Risk-warning request is initiated to server-side, then server-side can be requested according to the Risk-warning received, determines the group With the presence or absence of the risk；For example, if position of the member in group is higher than default position, or more than preset quantity Member initiated Risk-warning request or server-side receive Risk-warning request after can to other in group at Member is solved and the member beyond preset quantity confirmed the risk, or in other cases, server-side can be determined that Respective risk is implicitly present in for group.

Fig. 2 D is the flow chart for another loan origination method that one exemplary embodiment of the application provides.Such as Fig. 2 D institute To show, this method is applied in server-side, it may comprise steps of:

Step 202D, server-side receive the loan origination request for group.

In one embodiment, the loan origination request can be sent to the service by the corresponding group end of the group End.So, the server-side can be requested in response to the loan origination, sent to the member end and participated in inquiry message；When The member end can participate in true when receiving for the confirmation response for participating in inquiry message to server-side return Recognize message；Then, the server-side can divide the corresponding accrediting amount of the member in response to the participation confirmation message To the group, to match resource to the team score according to the accrediting amount.It certainly, can be with if member is unwilling to participate in It is sent by member end and refuses to respond (or being not responding to) for participating in inquiry message, so that server-side is refused receiving this Lost art is seasonable, avoids the corresponding accrediting amount of member being divided to the group.Wherein, group likely corresponds to one or more Member；When group corresponds to multiple members, server-side can send above-mentioned participation confirmation message at least one member, and When receiving participation confirmation message of any member to the participation confirmation message, determine the corresponding credit volume of any member Degree is divided to the group.

In another embodiment, the loan origination request can be sent to the clothes by the corresponding member end of the member Business end.So, the server-side can be requested in response to the loan origination, sent demand to the group end and inquired message； When the group end receive for the demand inquiry message confirmation response when, can to the server-side return demand Confirmation message；Then, the server-side can draw the corresponding accrediting amount of the member in response to the requirement validation message Divide to the group, to match resource to the team score according to the accrediting amount.Certainly, if group is unwilling to receive member The amount of offer can be sent by group end and refuse to respond (or being not responding to) for demand inquiry message, so that clothes Business end avoids the corresponding accrediting amount of member dividing the group when receiving this and refusing to respond.Wherein, group may be right It should be in one or more members；When group corresponds to multiple members, any member can initiate loan origination to server-side Request, to show that it wishes itself corresponding accrediting amount being provided to group.Each member can also combine other or Multiple members initiate loan origination request to server-side jointly；Same group is directed to for example, sending from multiple members to server-side Credit application, when the sum of the quantity of credit application or the corresponding accrediting amount of these members reaches default value, clothes Business end is that can determine the loan origination request received for the group.

In the present embodiment, group may include a plurality of types of tissues such as enterprise, public institution, public organization, this Shen Please limited not to this.Group frequently includes at least one member, the corresponding accrediting amount of these members can be divided To group, to provide the loan of corresponding amount to group.

Step 204D, the server-side are requested in response to the loan origination, determine that the intracorporal member of the group is corresponding The accrediting amount.

In the present embodiment, the accrediting amount can be related to the history credit data of the member；It is, of course, also possible to It is considered according to other factors, with the above-mentioned accrediting amount of determination, the application limits not to this.

In the present embodiment, server-side can be determined by itself the accrediting amount or the server-side and also to External platform is inquired, and receives the accrediting amount of external platform return.

The accrediting amount is divided to the group by step 206D, the server-side, with according to the accrediting amount to The group offers loans.

In the present embodiment, the accrediting amount can be all divided to the group by the server-side；Alternatively, described Server-side can send amount requisition inquiry to the corresponding member end of the member, with the inquiry knot returned according to the member end Fruit determines the numerical value for needing to be divided to the group in the accrediting amount, and the numerical value should be not more than the credit volume Degree.

In the present embodiment, server-side can be offered loans from itself to group；Alternatively, server-side can be to external platform It informs the accrediting amount, and is offered loans from external platform to group, the application limits not to this.

In the present embodiment, the server-side can determine the income that the group is obtained using the loan being issued；So Afterwards, the server-side can distribute at least part of the income to the member according to default allocation rule.For example, The default allocation rule may include: 1) to distribute the fund of fixed numbers；2) fund of the fixed proportion in the income is distributed；3) It determines the numerical value for being divided to the group in the accrediting amount, calculates the numerical value in all loans for being delivered to the group In proportion, and by income correspond to the proportion fund distribute to above-mentioned member；It is, of course, also possible to using it His any regular, the application limit not to this.

In the present embodiment, when the group is not according to the default loan progress for giving back rule to the group is issued to When giving back, the server-side can be obtained according to the numerical value for being divided to the group in the accrediting amount no more than described The fund of numerical value is given back with substituting the group；Then, the fund given back by substitution is recorded as being sent out by the server-side It puts to the member, default to be given back rule according to described by the member and given back.In other words, when group obtains granting After loan by stages, it may be necessary to be given back according to default rule of giving back to these loans, for example fully give back or give back；When When itself corresponding accrediting amount is provided to group by member, the risk of loan can not be returned in time by needing to undertake group, so that When the group fail really according to it is default give back regular repayment of bank loans when, server-side by being by the loan documentation given back by substitution It is issued to the member, so that needing corresponding loan to be given back by the member.

In the present embodiment, the server-side can determine the group with the presence or absence of following risks: can not be according to default It gives back rule and implements to give back operation for the loan for being issued to the group；Wherein, the server-side is determining exist When the risk, the default loan for giving back rule definition can be given back to the time limit and done sth. in advance, it is general with the generation for reducing the risk Rate.Wherein, since member can be more rapid or even sensed in advance is to group's above-mentioned risk that may be present, thus can shift to an earlier date Risk-warning request is initiated to server-side, then server-side can be requested according to the Risk-warning received, determines the group With the presence or absence of the risk；For example, if position of the member in group is higher than default position, or more than preset quantity Member initiated Risk-warning request or server-side receive Risk-warning request after can to other in group at Member is solved and the member beyond preset quantity confirmed the risk, or in other cases, server-side can be determined that Respective risk is implicitly present in for group.

For group's scene, between group and member have very closely be associated with, the member in group compared to For other users except group, function situation that is apparent, understanding the group in detail is tended to, thus by member When corresponding resource allocation amount is supplied to group, can either meet the needs of group is to resource, and can reduce group cannot Enough return in time the risk of resource.It is assumed that company A is as above-mentioned group, it is desirable to fiduciary loan is obtained to financial service platform, But company A causes its own credit line to be unable to satisfy its practical loan need setting up due to the time is shorter, scale is smaller etc. Ask, thus can the technical solution based on the application to the employee of the said firm A carry out credit crowd raise, by the way that the credit of employee is mentioned Supply company A is assured, to increase fiduciary loan amount obtained by company A.Below with reference to the credit crowd shown in Fig. 3 side of raising Case, to interacting between the corresponding group end company A, the corresponding member end of employee server-side corresponding with financial service platform Journey is described in detail；As shown in figure 3, the interactive process may comprise steps of:

Step 302, project is raised to server-side application creation credit crowd in group end.

In this embodiment it is assumed that financial service platform obtains the relevant information of company A in advance, to carry out to the said firm A Qualification verifying, to allow the said firm A to create credit crowd to financial service platform application when company A is verified by qualification and raise Project.Financial service platform can carry out qualification verifying to company A from one or more dimensions, such as:

1) business information of enterprise, the legal representative's information etc. of the available company A of financial service platform；

2) the enterprise account information etc. that the available company A of financial service platform is registered on related network platform, and it is right The above- mentioned information of acquisition such as are recorded and are verified at the operation；

3) historical data of the available company A of financial service platform, and the historical data is analyzed, it is public to determine Whether the operation situation of department A is normal, whether state of development is good.

By carrying out qualification verifying to company A, financial service platform can be recognized accurately false enterprise that may be present, Bad enterprise etc., to reduce the risk that credit crowd raises.Therefore, when financial service platform thinks that company A is not verified by qualification When, company A application credit crowd can be forbidden to raise project.Certainly, financial service platform can also by other means to company A into The verifying of row qualification, the application limit not to this.

It in the present embodiment, can be at the corresponding group end company A when server-side determines that company A is verified by qualification Project as shown in Figure 4 is shown and initiates interface, it includes to raise the relevant description information of function to credit crowd which, which initiates interface,.

As shown in figure 4, " credit of 23 employees of your department estimated can crowd raise 72.88 ten thousand yuan ", " your department employee individual be passed through Credit assures project ", " highest can assure employee's credit line 3 times ", " this platform additional 50% with throwing the amount of money " Etc. description informations, can allow the operator to quickly, be expressly understood that total credit line that credit crowd raises previous (72.88 ten thousand yuan) and It constitutes (credit of the said firm A, the credit of 23 employees and platform with throw etc.).

Wherein, the organizational structure information of the available company A of financial service platform, and determined based on the organizational structure information The employee of the said firm A；And financial service platform is further according to information of employee, such as name, cell-phone number, mailbox etc., really Fixed account of these employees on the financial service platform, and according to the corresponding historical behavior data of these accounts, determine employee Corresponding credit line, it is previous with the credit full amount for further calculating out above-mentioned.

Meanwhile the full amount that can also raise credit crowd of operator is previous is adjusted, for example operator only needs 500,000 When first, 72.88 ten thousand yuan in Fig. 4 can be adjusted to 500,000 yuan, to increase the flexibility ratio that credit crowd raises.

And based on the relationship particularity between employee and company A, so that employee usually has standard to the actual conditions of company A Really judgement, and since employee needs to undertake risk in full, thus the available credit line of employee can be set as in fact " 3 times " of border amount；Certainly, which can be set and be adjusted according to the actual situation by financial service platform, such as when When the headcount of company A is greater than default value, the judgement that may cause employee is reduced, or when employee does not need to undertake When risk in full, multiple can be suitably reduced, be for example reduced to " 2 times " by " 3 times " or is not doubled.

Furthermore, it is possible to which preferential guarantee in full must be done by setting the legal representative of company A or real control people, to avoid the method Determine representative or real control people malice gains the credit line of employee by cheating, helps to further decrease risk.

As shown in figure 4, by " employee obtains project yield by amount of guarantee, per diem bears interest ", " employee's interest income is by expensive The description informations such as department's sets itself " can help operator is quick, is expressly understood that employee situation of Profit and company A institute The interest that need to be paid.Wherein, operator can set the avail information of the project, for example project yield is divided into ratio Example, interest-bearing mode, income issue cycle etc..

Meanwhile project shown in Fig. 4 is initiated in interface, is further included " initiating project " option, is directed to the choosing when detecting When the trigger action of item, it is possible to determine that wish that initiating credit crowd raises project for company A, and raised to server-side application creation credit crowd Project.At this point, financial service platform can also carry out authentication to the operator of above-mentioned application behavior, to confirm this application row Whether to belong to the normal behaviour of company A, and exclude maloperation or improper malicious operation etc..Such as:

1) financial service platform can obtain enterprise's reference power of attorney, the company loans related protocol of company A to operator Equal business licenses information；

2) financial service platform can also obtain legal representative individual's reference power of attorney, legal of company A to operator Legal representatives' authorization messages such as representative's personal guarantee related protocol；

3) when company A offers corporation account on financial service platform, financial service platform can also be to operator Verify its operating right (such as account password, last sale information etc. of verification operation person input) to the said firm's account.

Certainly, financial service platform can also carry out authentication to operator by other means, and the application is not right This is limited.

Step 304, server-side is that company A creates corresponding credit crowd and raises project, and to the employee of the said firm A it is corresponding at Member end sends the project information that credit crowd raises project.

Step 306, member end is responded according to the confirmation of employee, is returned to server-side and is participated in confirmation message.

In the present embodiment, member end can show credit crowd as shown in Figure 5 and raise interface, and credit crowd raises interface Zhong Bao The description information of project is raised containing the credit crowd initiated for company A, for example to raise purpose be to " accept XX client to the crowd of company A " it is expected that year earning rate " that order ", credit crowd raise be " 8% ", the credit balance of current employee (i.e. remaining credit line) For " 42000 yuan " and its estimated revenue be " 3360 yuan ", the project time limit is " 12 months ", mode of repayment is " monthly to pay interest and expire Repay principal ", credit crowd raise interface can also show had been sent from the said firm A confirmation response other employees, such as AA, BB, CC, DD etc. 8, and current employee can check the specifying information of this 8 employees by triggering "+expansion " option, to help Current employee understands the development situation that credit crowd raises project.

Meanwhile it can also include " carrying out credit underwriting acquisition income for the project of company ", " highest that credit crowd, which raises in interface, Can assure 3 times of credit line ", the recommended informations such as " without paying any cash ", to help current employee to quickly understand " credit Crowd raises " function mode etc..

In addition, credit crowd raise may include in interface the bottom Fig. 5 triggering option, may include " branch in the triggering option Thousand yuan of project -5 are held to rise " and prompt informations such as " residue can be assured: 126000 yuan ", with prompt current employee set be desirable to provide to The credit line of company A, and the credit line should be not less than 5000 yuan, be not more than 126000 yuan.Then, when member end is detected To current employee to the trigger action of the triggering option after, above-mentioned participation confirmation message can be sent to server-side, on the one hand Show that current employee wishes that participating in credit crowd raises project, on the other hand informs that it is desirable to provide to the letter of company A to server-side With the numerical value of amount.

Step 308, server-side determines total credit line.

In the present embodiment, server-side can all employees into company A send project information respectively in step 304 (in some embodiments, it is also possible to being only sent to part employee), and it is corresponding to receive each employee respectively within step 306 The participation confirmation message that member end returns, these participate in containing corresponding employee in confirmation messages and being desirable to provide to the letter of company A With amount, and server-side can determine therefrom that the practical total credit line obtained of company A；For example, working as total credit line of company A Previous when being 72.88 ten thousand yuan, the practical total credit line obtained of the said firm A should be not more than 72.88 ten thousand yuan.

In the present embodiment, the credit line of company A is provided to according to employee when server-side, determines corresponding total line of credit Degree have arrived in total credit line at that time, server-side can stop corresponding credit crowd and raise, to avoid other employees continue to Server-side, which is sent, participates in confirmation message.Alternatively, server-side, which can set a crowd, raises the period, even if total credit line of company A exists It is previous that the crowd raises not up to total credit line in the period, server-side still stop corresponding credit crowd raise (can be determined that at this time for Crowd raises success, also can be determined that and raises unsuccessfully for crowd).Alternatively, server-side, which can set a crowd, raises the period, if total letter of company A Raised with amount in the crowd it is previous beyond total credit line in the period, server-side can according to offer credit line from high to low Sequence successively chooses several employees, wherein being selected the corresponding credit line of employee may insure total credit line of company A not It is previous beyond total credit line, so that the headcount that actual participation credit crowd raises is reduced as far as, then when company A is sent out When raw overdue debt, needs undertake refund risk by employee, the collection cost to these employees can be reduced.

Step 310, server-side is offered loans to group end.

In the present embodiment, employee provides credit line to company A, so that the person of incorporating in total credit line of company A The credit line of work, then company A can obtain the loan of higher number from financial service platform, and employee itself does not need to public affairs Any fund of A cash call or other forms is taken charge of, these funds are provided from financial service platform to company A.

Step 312, principal and interest gold is given back to server-side in group end.

In the present embodiment, while company A gives back capital to financial service platform, it is also necessary to financial service platform branch Pay certain interest gold.In some cases, company A can be marked off in proportion in the case where obtaining income from income Interest gold, and it is provided to financial service platform；And in other cases, even if company A does not obtain income, it is still desirable to pay A certain proportion of interest gold, for example the interest gold can be the a% of capital sum volume, the numerical value of a is put down by company A with financial service Loan related protocol regulation between platform.

Step 314, server-side returns interest gold to member end.

In the present embodiment, it is raised in project due to employee in credit crowd, provides itself for the risk judgment of company A, And provide at least part credit line of itself, thus financial service platform obtain interest it is golden in the case where, can be with Income is returned to employee according to preset ratio.

However, company A may cause it can not be according to default rule of giving back to financial service due to mismanagement etc. Platform gives back capital or interest gold, and company A is caused corresponding risk case occur.Since the employee of company A provides for the said firm A Credit line, so that financial service platform supports the loan for not matching itself credit line of the said firm A to company A, Thus these employees need at least part responsibility for the event of accepting the risk.

More specifically, financial service platform can be determined and be undertaken needed for employee according to the risk exposure rule of agreement Amount of the fund；Then, on the one hand financial service platform provides the fund for meeting the number, for giving back what it was in arrears with for company A Capital or interest gold, on the other hand by the part, fund is recorded as the loan that financial service platform is issued to the employee, and by this Employee is subsequent to give back the loan.

Certainly, it since employee is in inside company A, tends to according to the migration efficiency of company A, staff redeployment, item Mesh progress etc. estimates the risk that company A may occur in advance, then employee can by following step 316-320 into Row Risk-warning, to reduce itself loss as much as possible:

Step 316, employee initiates Risk-warning request to server-side by member end.

In this embodiment it is assumed that member end can show Risk-warning interface shown in fig. 6, which can To include the information such as " accepting XX customer order ", " having assured 50000 yuan ", in order to which employee assures that multiple credit crowds raise at the same time When project, determine that credit crowd belonging to the Risk-warning interface raises project.

It include " Risk-warning " option in Risk-warning interface, when detecting the trigger action for the option, at Member end can initiate Risk-warning request to server-side；Certainly, in order to avoid employee's maloperation, member end or server-side can be right Operator carries out authentication, for example based on modes such as password, fingerprint, irises, details are not described herein again.

Step 318, server-side determines whether to be implicitly present in risk.

In the present embodiment, server-side can count what the Risk-warning for receiving and raising project for same credit crowd was requested Quantity；For example, when server-side is respectively received the Risk-warning request that three or more employees in company A initiate, it can be true Think that there are risks.Alternatively, server-side can any employee initiates in receiving company A Risk-warning request when, can be with Risk identification message is sent to other employees of preset quantity, and when these employees return to risk identification response, is confirmed as depositing In risk.Certainly, server-side can also be confirmed whether that the application limits not to this there are risk by other means.

Step 320, server-side is being determined there are when risk, terminates relevant item in advance.

In the present embodiment, server-side is determining that the credit crowd that can terminate company A in advance raises project there are when risk, So that company A must give back remaining principal and interest gold in preset time period (such as 1 month), to reduce the generation of risk Probability.

Fig. 7 is the configuration diagram for another resource allocation system that one exemplary embodiment of the application provides.Such as Fig. 7 institute Show, the system in addition to may include server 11 shown in FIG. 1, network 12, community electronic equipment 13 (such as mobile phone 131, PC132 etc.), can also include 15 He of credit management server except member's electronic equipment 14 (such as mobile phone 141, PC142 etc.) Resource allotting server 16.

Credit management server 15 can be the physical server comprising a unique host or the credit management server 15 can be the virtual server of mainframe cluster carrying or the credit management server 15 can be Cloud Server.It is running In the process, credit management server 15 can run the program of the server side of a certain application, to realize credit management platform, use In business functions such as realization credit managements.

Resource allotting server 16 can be the physical server comprising a unique host or the resource allotting server 16 can be the virtual server of mainframe cluster carrying or the resource allotting server 16 can be Cloud Server.It is running In the process, resource allotting server 16 can run the program of the server side of a certain application, to realize resource allocation platform, use In business functions such as realization resource allocations.

Meanwhile credit management server 15, resource allotting server 16 can pass through network 12 and server 11, group's electricity Sub- equipment 13, member's electronic equipment 14 etc. carry out communication interaction, to realize the technical solution of the application.

Corresponding to resource allocation system shown in Fig. 7, Fig. 8 A is another money that one exemplary embodiment of the application provides The flow chart of source distribution method.As shown in Figure 8 A, this method is applied to server-side, may comprise steps of:

Step 802A, server-side receive the resource allocation request for being directed to group.

In the present embodiment, resource allocation request can be sent to server-side by the corresponding group end of group；Alternatively, resource point Server-side can be sent to by the corresponding member end of member of group with request.

Step 804A, the server-side send amount inquiry in response to the resource allocation request, to credit management platform Request, to determine the first resource distribution amount corresponding to the group by the credit management platform, correspond to the group The Secondary resource of intracorporal member distributes amount.

In the present embodiment, credit management platform is used to manage the credit data of group, member, and is based on the credit data It determines corresponding resource allocation amount, for example determines that first resource distributes amount, root according to the credit data of management group Determine that Secondary resource distributes amount according to the credit data of member.

Step 806A, the server-side distributes amount according to the first resource and Secondary resource distribution amount is corresponding Resource allocation full amount, to resource allocation platform send instruction of resource allocation so that the resource allocation platform is according to Resource allocation full amount matches resource to the team score.

In the present embodiment, server-side can receive first resource distribution amount, the second money of credit management platform return Amount is distributed in source, calculates corresponding resource allocation full amount；Alternatively, can be distributed by credit management platform according to first resource Amount and Secondary resource distribution amount calculate corresponding resource allocation full amount, and receive the credit management platform by server-side The resource allocation full amount returned.

Fig. 8 B is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.Such as Fig. 8 B institute To show, this method is applied to server-side, it may comprise steps of:

Step 802B, server-side receive the resource allocation request for being directed to group.

Step 804B, the server-side send amount inquiry in response to the resource allocation request, to credit management platform Request, to determine the resource allocation amount corresponding to the intracorporal member of the group by the credit management platform.

In the present embodiment, credit management platform is used to manage the credit data of group, member, and is based on the credit data It determines corresponding resource allocation amount, for example the resource allocation amount is determined according to the credit data of member.

Step 806B, the server-side send resource allocation to resource allocation platform according to the resource allocation amount and refer to It enables, so that the resource allocation platform matches resource to the team score according to the resource allocation amount.

For the embodiment shown in above-mentioned Fig. 2A -2B, Fig. 3 etc., in the embodiment shown in Fig. 8 A-8B, it will believe Separated with functions such as management, resource allocations to credit management platform, resource allocation platform, and server-side as with group end, at Member end, credit management platform, resource allocation platform communication center, the performance requirement to server-side can be reduced, additionally aided Promoting the reliability of total system, (certainly, the realization logic of specific business function can be with reference to above-mentioned Fig. 2A -2B, shown in Fig. 3 Embodiment, details are not described herein again).

Fig. 8 C is the flow chart for another loan origination method that one exemplary embodiment of the application provides.Such as Fig. 8 C institute To show, this method is applied to server-side, it may comprise steps of:

Step 802C, server-side receive the loan origination request for group.

In the present embodiment, loan origination request can be sent to server-side by the corresponding group end of group；Alternatively, loan hair Server-side can be sent to by the corresponding member end of member of group by putting request.

Step 804C, the server-side are requested in response to the loan origination, send amount inquiry to credit management platform Request, to determine first accrediting amount corresponding to the group by the credit management platform, correspond in the group Member second accrediting amount.

In the present embodiment, credit management platform is used to manage the credit data of group, member, and is based on the credit data Determine corresponding resource allocation amount, for example, according to the credit data of management group determine first accrediting amount, according at The credit data of member determines second accrediting amount.

Step 806C, the server-side are total according to first accrediting amount and the corresponding credit of second accrediting amount Amount, to loan origination platform send loan origination instruction so that the loan origination platform according to the credit full amount to The group offers loans.

In the present embodiment, server-side can receive first accrediting amount of credit management platform return, the second credit volume Degree, calculates corresponding credit full amount；Alternatively, can be by credit management platform according to first accrediting amount and the second credit volume Degree calculates corresponding credit full amount, and the credit full amount of credit management platform return is received by server-side.

Fig. 8 D is the flow chart for another loan origination method that one exemplary embodiment of the application provides.Such as Fig. 8 D institute To show, this method is applied to server-side, it may comprise steps of:

Step 802D, server-side receive the loan origination request for group.

Step 804D, the server-side are requested in response to the loan origination, send amount inquiry to credit management platform Request, to determine the accrediting amount corresponding to the intracorporal member of the group by the credit management platform.

In the present embodiment, credit management platform is used to manage the credit data of group, member, and is based on the credit data It determines the corresponding accrediting amount, for example the accrediting amount is determined according to the credit data of member.

Step 806D, the server-side send loan origination to loan origination platform according to the accrediting amount and instruct, with The loan origination platform is set to be offered loans according to the accrediting amount to the group.

For the embodiment shown in above-mentioned Fig. 2 C-2D, Fig. 3 etc., in the embodiment shown in Fig. 8 C-8D, it will believe Separated with functions such as management, loan originations to credit management platform, loan origination platform, and server-side as with group end, at Member end, credit management platform, loan origination platform communication center, the performance requirement to server-side can be reduced, additionally aided Promoting the reliability of total system, (certainly, the realization logic of specific business function can be with reference to above-mentioned Fig. 2 C-2D, shown in Fig. 3 Embodiment, details are not described herein again).

As it can be seen that for server-side, almost there is only communication needs, thus the service in the embodiment shown in Fig. 8 A-8D End can be the server-side of communication applications；For example, the communication applications may include movement in the related technology under group's scene Change group's office platform, and communication function not only may be implemented in the mobile group office platform, be also used as it is many other The integrated function platform of function, such as examining event (such as asking for leave, office articles claim, finance examination & approval event), examining The processing of the groups such as diligent event, task events, log event internal event, groups' external event such as make a reservation, purchase for another example Processing, the application limit not to this.

More specifically, mobile group office platform can be carried on instant messaging application in the related technology, such as Enterprise instant communication (Enterprise Instant Messaging, EIM) application, such as Skype For Microsoft Deng.Certainly, instant communication function is only mobile group One of the communication function that body office platform is supported, group's office platform can also realize more such as above-mentioned other functions, Details are not described herein again.

Therefore, server-side can be the server-side of mobile group office platform, and group end, member end can be movement Change the client of group's office platform.Wherein, the application program of the client of mobile group office platform can be pacified in advance On community electronic equipment 13, member's electronic equipment 14, allow the client in community electronic equipment 13, member's electronics It is activated and runs in equipment 14；Certainly, when using online " client " of such as HTML5 technology, without in community electronic Corresponding application program is installed in equipment 13, member's electronic equipment 14, can be obtained and runs corresponding group end, Cheng Yuanduan.

Fig. 9 A is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.Such as Fig. 9 A institute To show, this method is applied to server-side, it may comprise steps of:

Step 902A, server-side receive the resource allocation request for being directed to the first object.

Step 904A, the server-side determine first object corresponding first in response to the resource allocation request The corresponding Secondary resource of resource allocation amount, the second object relevant to first object distributes amount.

Step 906A, the server-side distributes amount according to the first resource and the Secondary resource distributes amount, really The corresponding resource allocation full amount of first object is determined, to distribute according to the resource allocation full amount to first object Resource.

Fig. 9 B is the flow chart for another resource allocation methods that one exemplary embodiment of the application provides.Such as Fig. 9 B institute To show, this method is applied to server-side, it may comprise steps of:

Step 902B, server-side receive the resource allocation request for being directed to the first object.

Step 904B, the server-side determine relevant to first object the in response to the resource allocation request The corresponding resource allocation amount of two objects.

Step 906B, the resource allocation amount is divided to first object by the server-side, according to the money Source distributes amount and distributes resource to first object.

In the embodiment shown in Fig. 9 A-9B, the first object can be implementation shown in Fig. 2A -2D, Fig. 3 or Fig. 8 A-8D etc. Group, the second object in example can be the member in the illustrated embodiments such as Fig. 2A -2D, Fig. 3 or Fig. 8 A-8D, so that this implementation Example can be applied in group's scene, to realize the resource point for being similar to the illustrated embodiments such as Fig. 2A -2D, Fig. 3 or Fig. 8 A-8D With scheme.

But other than above-mentioned group's scene, the first object, the second object in the present embodiment can also include it His any type of object, the application limit not to this.Such as:

In one embodiment, the first object, the second object can be individual, such as household, relative, friend, classmate, same Thing etc. allows the second object by the resource allocation of itself based on the mutual understanding between first object and the second object Amount is supplied to the first object, to realize the optimization to resource allocation.

In another embodiment, the first object, the second object can be enterprise, for example the first object can be second pair The supplier etc. of elephant, in the first object there may be in the case where funds shortage, the second object can in order to ensure the first object The resource allocation amount of itself, can be supplied to by the supply of material in time in the case where fully understanding the financial risks of the first object First object realizes the optimization to resource allocation to help the first object temporarily to bridge over a gap.

There is likely to be a lot of other possible embodiments, will not enumerate herein.

In the present embodiment, the first object can correspond to one or more second objects；When there are multiple second objects When, these second objects may belong to same type or different type.For example, the second object can when the first object is group Think multiple members in the group；For another example when the first object be group when, the second object may include in the group at Member and other groups etc..

Embodiment shown in above-mentioned Fig. 9 A-9B, can the business based on Fig. 2A -2D, Fig. 3 or Fig. 8 A-8D illustrated embodiment Logic realizes corresponding resource allocation function, and details are not described herein again.

Figure 10 shows the schematic configuration diagram of the electronic equipment of the exemplary embodiment according to the application.Please refer to figure 10, in hardware view, the electronic equipment include processor 1002, internal bus 1004, network interface 1006, memory 1008 and Nonvolatile memory 1010 is also possible that hardware required for other business certainly.Processor 1002 is deposited from non-volatile Corresponding computer program is read in reservoir 1010 then to run into memory 1008, and resource allocation dress is formed on logic level It sets.Certainly, other than software realization mode, the application is not precluded other implementations, such as logical device or soft or hard The mode etc. that part combines, that is to say, that the executing subject of following process flow is not limited to each logic unit, can also be with It is hardware or logical device.

Figure 11 is please referred to, in Software Implementation, which may include:

Request reception unit 1101 makes server-side receive the resource allocation request for being directed to group；

Request-response unit 1102 makes the server-side in response to the resource allocation request, determines that the group is corresponding The corresponding Secondary resource of first resource distribution amount, the intracorporal member of the group distribute amount；

Full amount determination unit 1103, the server-side distribute amount and the Secondary resource point according to the first resource With amount, determine the corresponding resource allocation full amount of the group, with according to the resource allocation full amount to the team score With resource.

Optionally, the resource allocation request is sent out by the corresponding group end of the group or the corresponding member end of the member It send to the server-side.

Optionally, the first resource distribution amount is related to the history credit data of the group, the Secondary resource It is related to the history credit data of the member to distribute amount.

Optionally, the full amount determination unit 1103 is specifically used for:

The server-side determines the first number that the resource allocation full amount is included into the first resource distribution amount The second value of the resource allocation full amount is included into value, Secondary resource distribution amount；

The sum of first numerical value and the second value are determined as the resource allocation full amount by the server-side.

Optionally,

The full amount determination unit 1103 makes the server-side determine the first resource allocation by following manner The first numerical value of the resource allocation full amount is included into degree: first resource distribution amount is determined as by the server-side First numerical value；Alternatively, the server-side sends the requisition inquiry of the first amount to the corresponding group end of the group, with basis The inquiry result that the group end returns determines first numerical value；

The full amount determination unit 1103 makes the server-side determine the Secondary resource allocation by following manner The second value of the resource allocation full amount is included into degree: Secondary resource distribution amount is determined as by the server-side The second value；Alternatively, the server-side sends the requisition inquiry of the second amount to the corresponding member end of the member, with basis The inquiry result that the member end returns determines the second value.

Optionally, further includes:

Increment resource determination unit 1104, the increasing for making the server-side determine that the group is obtained using assigned resource It is worth resource；

Rise in value resource allocation unit 1105, makes the server-side according to default allocation rule, extremely by the increment resource Few a part is distributed to the member.

Optionally, further includes:

Acquiring unit 1106, when the group not according to default rule of giving back to being assigned to the resource progress of the group When giving back, the server-side is made to distribute in amount the second number for being included into the resource allocation full amount according to the Secondary resource Value obtains the resource for being not more than the second value, is given back with substituting the group；

Recording unit 1107 is assigned the server-side to the member resource record given back by substitution, with It default given back rule according to described by the member and given back.

Optionally, further includes:

Risk determination unit 1108 makes the server-side determine the group with the presence or absence of following risks: can not be according to pre- If giving back rule and implementing to be directed to be assigned to the resource of the group to give back operation；

Setting unit 1109 is determining the server-side there are when the risk, gives back described preset to regular definition Resource give back the time limit and do sth. in advance.

Optionally, the risk determination unit 1108 is specifically used for:

It requests that the server-side according to the Risk-warning that the member received initiates, determines whether the group deposits In the risk.

Figure 12 is please referred to, in Software Implementation, which may include:

First receiving unit 1201 makes server-side receive the resource allocation request for being directed to group；

First response unit 1202 makes the server-side in response to the resource allocation request, sends out to credit management platform Amount inquiry request is sent, to determine the first resource distribution amount, right corresponding to the group by the credit management platform The Secondary resource of the intracorporal member of group described in Ying Yu distributes amount；

First determination unit 1203 makes the server-side distribute amount and the Secondary resource point according to the first resource With the corresponding resource allocation full amount of amount, instruction of resource allocation is sent to resource allocation platform, so that the resource allocation is flat Platform matches resource to the team score according to the resource allocation full amount.

Figure 13 is please referred to, in Software Implementation, which may include:

Second receiving unit 1301 makes server-side receive the resource allocation request for being directed to the first object；

Second response unit 1302 makes the server-side in response to the resource allocation request, determines first object Corresponding first resource distribution amount, the corresponding Secondary resource of the second object relevant to first object distribute amount；

Second determination unit 1303 makes the server-side distribute amount and the Secondary resource point according to the first resource With amount, determine the corresponding resource allocation full amount of first object, with according to the resource allocation full amount to described An object distributes resource.

Figure 14 is please referred to, in Software Implementation, which may include:

Request reception unit 1401 makes server-side receive the resource allocation request for being directed to group；

Request-response unit 1402 makes the server-side in response to the resource allocation request, determines that the group is intracorporal The corresponding resource allocation amount of member；

Amount division unit 1403 makes the server-side that the resource allocation amount is divided to the group, with basis The resource allocation amount matches resource to the team score.

Figure 15 is please referred to, in Software Implementation, which may include:

Request reception unit 1501 makes server-side receive the resource allocation request for being directed to group；

Request-response unit 1502 makes the server-side in response to the resource allocation request, sends out to credit management platform Amount inquiry request is sent, to determine the resource allocation volume corresponding to the intracorporal member of the group by the credit management platform Degree；

Instruction sending unit 1503 sends the server-side to resource allocation platform according to the resource allocation amount and provides Source distribution instruction, so that the resource allocation platform matches resource to the team score according to the resource allocation amount.

Figure 16 shows the schematic configuration diagram of the electronic equipment of the exemplary embodiment according to the application.Please refer to figure 16, in hardware view, the electronic equipment include processor 1602, internal bus 1604, network interface 1606, memory 1608 and Nonvolatile memory 1610 is also possible that hardware required for other business certainly.Processor 1602 is deposited from non-volatile Corresponding computer program is read in reservoir 1610 then to run into memory 1608, and loan origination dress is formed on logic level It sets.Certainly, other than software realization mode, the application is not precluded other implementations, such as logical device or soft or hard The mode etc. that part combines, that is to say, that the executing subject of following process flow is not limited to each logic unit, can also be with It is hardware or logical device.

Figure 17 is please referred to, in Software Implementation, which may include:

Request reception unit 1701 makes server-side receive the loan origination request for group；

Request-response unit 1702 requests that the server-side in response to the loan origination, determines that the group is corresponding First accrediting amount, corresponding second accrediting amount of the intracorporal member of the group；

Full amount determination unit 1703 makes the server-side according to first accrediting amount and the second credit volume Degree, determines the corresponding credit full amount of the group, to offer loans according to the credit full amount to the group.

Figure 18 is please referred to, in Software Implementation, which may include:

Request reception unit 1801 makes server-side receive the loan origination request for group；

Request-response unit 1802 requests that the server-side in response to the loan origination, sends out to credit management platform Amount inquiry request is sent, to determine first accrediting amount corresponding to the group by the credit management platform, correspond to Second accrediting amount of the intracorporal member of group；

Instruction sending unit 1803 makes the server-side according to first accrediting amount and second accrediting amount pair The credit full amount answered sends loan origination instruction to loan origination platform, so that the loan origination platform is awarded according to Letter full amount is offered loans to the group.

Figure 19 is please referred to, in Software Implementation, which may include:

Request reception unit 1901 makes server-side receive the loan origination request for group；

Request-response unit 1902 requests that the server-side in response to the loan origination, determines that the group is intracorporal The corresponding accrediting amount of member；

Amount division unit 1903 makes the server-side that the accrediting amount is divided to the group, according to The accrediting amount is offered loans to the group.

Figure 20 is please referred to, in Software Implementation, which may include:

Request reception unit 2001 makes server-side receive the loan origination request for group；

Request-response unit 2002 requests that the server-side in response to the loan origination, sends out to credit management platform Amount inquiry request is sent, to determine the accrediting amount corresponding to the intracorporal member of the group by the credit management platform；

Instruction sending unit 2003 makes the server-side send loan hair to loan origination platform according to the accrediting amount Instruction is put, so that the loan origination platform is offered loans according to the accrediting amount to the group.

System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity, Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment The combination of any several equipment.

In a typical configuration, computer includes one or more processors (CPU), input/output interface, network Interface and memory.

Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data. The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM), Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.

It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want There is also other identical elements in the process, method of element, commodity or equipment.

It is only to be not intended to be limiting the application merely for for the purpose of describing particular embodiments in term used in this application. It is also intended in the application and the "an" of singular used in the attached claims, " described " and "the" including majority Form, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein refers to and wraps It may be combined containing one or more associated any or all of project listed.

It will be appreciated that though various information, but this may be described using term first, second, third, etc. in the application A little information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not departing from In the case where the application range, the first information can also be referred to as the second information, and similarly, the second information can also be referred to as One information.Depending on context, word as used in this " if " can be construed to " ... when " or " when ... When " or " in response to determination ".

The foregoing is merely the preferred embodiments of the application, not to limit the application, all essences in the application Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the application protection.

Claims

1. a kind of resource allocation system characterized by comprising the corresponding group end of group, the intracorporal member of the group are corresponding Member end, server-side；

Resource allocation request is initiated to the server-side in the group end；

The member end participates in true when receiving for the confirmation response for participating in inquiry message to server-side return Recognize message；

The server-side is in response to the participation confirmation message, according to the corresponding first resource distribution amount of the group, described The corresponding Secondary resource of member distributes amount, the resource allocation full amount of the group is determined, with total according to the resource allocation Amount matches resource to the team score.

2. a kind of resource allocation system characterized by comprising the corresponding group end of group, the intracorporal member of the group are corresponding Member end, server-side；

It is true that the group end returns to demand when receiving the confirmation response for demand inquiry message, to the server-side Recognize message；

The server-side is in response to the requirement validation message, according to the corresponding first resource distribution amount of the group, described The corresponding Secondary resource of member distributes amount, the resource allocation full amount of the group is determined, with total according to the resource allocation Amount matches resource to the team score.

3. a kind of resource allocation system characterized by comprising the corresponding group end of group, the intracorporal member of the group are corresponding Member end, server-side；

The server-side is in response to the resource allocation request, according to the corresponding first resource distribution amount of the group, described The corresponding Secondary resource of member distributes amount, the resource allocation full amount of the group is determined, with total according to the resource allocation Amount matches resource to the team score.

4. a kind of resource allocation methods characterized by comprising

The server-side determines the corresponding first resource distribution amount of the group, described in response to the resource allocation request The corresponding Secondary resource of the intracorporal member of group distributes amount；

The server-side distributes amount according to the first resource and the Secondary resource distributes amount, determines that the group is corresponding Resource allocation full amount, with according to the resource allocation full amount to the team score match resource.

5. according to the method described in claim 4, it is characterized in that, the resource allocation request is by corresponding group of the group End or the corresponding member end of the member are sent to the server-side.

6. according to the method described in claim 4, it is characterized in that, the history of the first resource distribution amount and the group Credit data is related, and the Secondary resource distribution amount is related to the history credit data of the member.

7. according to the method described in claim 4, it is characterized in that, the server-side according to the first resource distribute amount and The Secondary resource distributes amount, determines the corresponding resource allocation full amount of the group, comprising:

The server-side determines the first numerical value, the institute that the resource allocation full amount is included into the first resource distribution amount State the second value that the resource allocation full amount is included into Secondary resource distribution amount；

8. the method according to the description of claim 7 is characterized in that

The server-side determines the first numerical value that the resource allocation full amount is included into the first resource distribution amount, packet Include: first resource distribution amount is determined as first numerical value by the server-side；Alternatively, the server-side is to the group The corresponding group end of body sends the requisition inquiry of the first amount, determines described first with the inquiry result returned according to the group end Numerical value；

The server-side determines the second value that the resource allocation full amount is included into the Secondary resource distribution amount, packet Include: Secondary resource distribution amount is determined as the second value by the server-side；Alternatively, the server-side to it is described at The corresponding member end of member sends the requisition inquiry of the second amount, determines described second with the inquiry result returned according to the member end Numerical value.

9. according to the method described in claim 4, it is characterized by further comprising:

The server-side determines the increment resource that the group is obtained using assigned resource；

The server-side distributes at least part of the increment resource to the member according to default allocation rule.

10. according to the method described in claim 4, it is characterized by further comprising:

When the group not according to it is default give back rule to be assigned to the resource of the group give back when, the server-side It is distributed in amount according to the Secondary resource and is included into the second value of the resource allocation full amount, obtained no more than described the The resource of two numerical value is given back with substituting the group；

The server-side by the resource record given back by substitution be assigned to the member, with by the member according to described pre- If giving back rule to be given back.

11. according to the method described in claim 4, it is characterized by further comprising:

The server-side determines the group with the presence or absence of following risks: can not give back rule according to default and implements for being divided Be assigned to the resource of the group gives back operation；

The server-side is being determined there are when the risk, is given back the default resource for giving back rule definition to the time limit and is done sth. in advance.

12. according to the method for claim 11, which is characterized in that the server-side determines the group with the presence or absence of described Risk, comprising:

The server-side is requested according to the Risk-warning that the member received initiates, and determines the group with the presence or absence of described Risk.

13. a kind of resource allocation methods characterized by comprising

The server-side sends amount inquiry request in response to the resource allocation request, to credit management platform, by described Credit management platform determines the first resource distribution amount corresponding to the group, corresponding to the of the intracorporal member of the group Two resource allocation amounts；

The server-side distributes amount according to the first resource and the corresponding resource allocation of Secondary resource distribution amount is total Amount sends instruction of resource allocation to resource allocation platform, so that the resource allocation platform is according to the resource allocation total value It spends to the team score with resource.

14. a kind of resource allocation methods characterized by comprising

The server-side in response to the resource allocation request, determine the corresponding first resource distribution amount of first object, The corresponding Secondary resource of relevant to first object the second object distributes amount；

The server-side distributes amount according to the first resource and the Secondary resource distributes amount, determines first object Corresponding resource allocation full amount, to distribute resource to first object according to the resource allocation full amount.

15. a kind of resource allocation device characterized by comprising

Request-response unit makes the server-side in response to the resource allocation request, determines corresponding first money of the group Amount is distributed in source, the corresponding Secondary resource of the intracorporal member of the group distributes amount；

Full amount determination unit, the server-side distributes amount according to the first resource and the Secondary resource distributes amount, The corresponding resource allocation full amount of the group is determined, to match resource to the team score according to the resource allocation full amount.

16. device according to claim 15, which is characterized in that the resource allocation request is by corresponding group of the group Body end or the corresponding member end of the member are sent to the server-side.

17. device according to claim 15, which is characterized in that the first resource distribution amount is gone through with the group History credit data is related, and the Secondary resource distribution amount is related to the history credit data of the member.

18. device according to claim 15, which is characterized in that the full amount determination unit is specifically used for:

19. device according to claim 18, which is characterized in that

The full amount determination unit makes the server-side determine that the first resource distributes in amount by following manner to be received Enter the first numerical value of the resource allocation full amount: first resource distribution amount is determined as described first by the server-side Numerical value；Alternatively, the server-side sends the requisition inquiry of the first amount to the corresponding group end of the group, according to the group The inquiry result that end returns determines first numerical value；

The full amount determination unit makes the server-side determine that the Secondary resource distributes in amount by following manner to be received Enter the second value of the resource allocation full amount: Secondary resource distribution amount is determined as described second by the server-side Numerical value；Alternatively, the server-side sends the requisition inquiry of the second amount to the corresponding member end of the member, according to the member The inquiry result that end returns determines the second value.

20. device according to claim 15, which is characterized in that further include:

Increment resource determination unit, the increment resource for making the server-side determine that the group is obtained using assigned resource；

Rise in value resource allocation unit, makes the server-side according to default allocation rule, by least part of the increment resource It distributes to the member.

21. device according to claim 15, which is characterized in that further include:

Acquiring unit, when the group not according to it is default give back rule to be assigned to the resource of the group give back when, So that the server-side is distributed in amount the second value for being included into the resource allocation full amount according to the Secondary resource, obtains No more than the resource of the second value, given back with substituting the group；

Recording unit is assigned the server-side to the member resource record given back by substitution, with by it is described at Member default give back rule and is given back according to described.

22. device according to claim 15, which is characterized in that further include:

Risk determination unit makes the server-side determine the group with the presence or absence of following risks: can not give back rule according to default Then implement to be directed to be assigned to the resource of the group to give back operation；

Setting unit is determining the server-side there are when the risk, the default resource for giving back rule definition is returned Also the time limit is done sth. in advance.

23. device according to claim 22, which is characterized in that the risk determination unit is specifically used for:

It requests that the server-side according to the Risk-warning that the member received initiates, determines the group with the presence or absence of institute State risk.

24. a kind of resource allocation device characterized by comprising

First response unit makes the server-side in response to the resource allocation request, sends amount to credit management platform and ask Request is asked, described in being determined the first resource distribution amount corresponding to the group by the credit management platform, be corresponded to The Secondary resource of the intracorporal member of group distributes amount；

First determination unit makes the server-side distribute amount and Secondary resource distribution amount pair according to the first resource The resource allocation full amount answered sends instruction of resource allocation to resource allocation platform, so that the resource allocation platform is according to institute Resource allocation full amount is stated to the team score with resource.

25. a kind of resource allocation device characterized by comprising

Second response unit makes the server-side in response to the resource allocation request, determines first object corresponding The corresponding Secondary resource of one resource allocation amount, the second object relevant to first object distributes amount；

Second determination unit makes the server-side distribute amount and Secondary resource distribution amount according to the first resource, The corresponding resource allocation full amount of first object is determined, to divide according to the resource allocation full amount to first object With resource.

26. a kind of resource allocation methods characterized by comprising

The server-side determines the corresponding resource allocation amount of the intracorporal member of the group in response to the resource allocation request；

The resource allocation amount is divided to the group by the server-side, with according to the resource allocation amount to the group Body distributes resource.

27. a kind of resource allocation methods characterized by comprising

The server-side sends amount inquiry request in response to the resource allocation request, to credit management platform, by described Credit management platform determines the resource allocation amount corresponding to the intracorporal member of the group；

The server-side sends instruction of resource allocation to resource allocation platform according to the resource allocation amount, so that the resource Distribution platform matches resource to the team score according to the resource allocation amount.

28. a kind of loan origination method characterized by comprising

Server-side receives the loan origination request for group；

The server-side is requested in response to the loan origination, determines corresponding first accrediting amount of the group, the group Corresponding second accrediting amount of interior member；

The server-side determines that the corresponding credit of the group is total according to first accrediting amount and second accrediting amount Amount, to be offered loans according to the credit full amount to the group.

29. a kind of loan origination method characterized by comprising

Server-side receives the loan origination request for group；

The server-side is requested in response to the loan origination, amount inquiry request is sent to credit management platform, by described Credit management platform is determined first accrediting amount corresponding to the group, is awarded corresponding to the second of the intracorporal member of the group Believe amount；

The server-side is sent out according to first accrediting amount and the corresponding credit full amount of second accrediting amount to loan It is laid flat platform and sends loan origination instruction, borrowed so that the loan origination platform is provided according to the credit full amount to the group Money.

30. a kind of loan origination method characterized by comprising

Server-side receives the loan origination request for group；

The accrediting amount is divided to the group by the server-side, is borrowed with being provided according to the accrediting amount to the group Money.

31. a kind of loan origination method characterized by comprising

Server-side receives the loan origination request for group；

The server-side is requested in response to the loan origination, amount inquiry request is sent to credit management platform, by described Credit management platform determines the accrediting amount corresponding to the intracorporal member of the group；

The server-side sends loan origination instruction to loan origination platform according to the accrediting amount, so that the loan origination Platform is offered loans according to the accrediting amount to the group.

32. a kind of resource allocation device characterized by comprising

Request-response unit makes the server-side in response to the resource allocation request, determines that the intracorporal member of the group is corresponding Resource allocation amount；

Amount division unit makes the server-side that the resource allocation amount is divided to the group, according to the resource It distributes amount and matches resource to the team score.

33. a kind of resource allocation device characterized by comprising

Request-response unit makes the server-side in response to the resource allocation request, sends amount to credit management platform and ask Request is asked, to determine the resource allocation amount corresponding to the intracorporal member of the group by the credit management platform；

Instruction sending unit makes the server-side send resource allocation to resource allocation platform according to the resource allocation amount and refers to It enables, so that the resource allocation platform matches resource to the team score according to the resource allocation amount.

34. a kind of loan origination device characterized by comprising

Request-response unit requests that the server-side in response to the loan origination, determines that the group corresponding first awards Believe amount, corresponding second accrediting amount of the intracorporal member of the group；

Full amount determination unit makes the server-side according to first accrediting amount and second accrediting amount, determines institute The corresponding credit full amount of group is stated, to offer loans according to the credit full amount to the group.

35. a kind of loan origination device characterized by comprising

Request-response unit requests that the server-side in response to the loan origination, sends amount to credit management platform and askes Request is asked, to determine first accrediting amount corresponding to the group by the credit management platform, correspond to the group Second accrediting amount of interior member；

Instruction sending unit makes the server-side according to first accrediting amount and the corresponding credit of second accrediting amount Full amount sends loan origination instruction to loan origination platform, so that the loan origination platform is according to the credit full amount It offers loans to the group.

36. a kind of loan origination device characterized by comprising

Request-response unit requests that the server-side in response to the loan origination, determines that the intracorporal member of the group is corresponding The accrediting amount；

Amount division unit makes the server-side that the accrediting amount is divided to the group, according to the accrediting amount It offers loans to the group.

37. a kind of loan origination device characterized by comprising

Request-response unit requests that the server-side in response to the loan origination, sends amount to credit management platform and askes Request is asked, to determine the accrediting amount corresponding to the intracorporal member of the group by the credit management platform；

Instruction sending unit makes the server-side send loan origination instruction to loan origination platform according to the accrediting amount, So that the loan origination platform is offered loans according to the accrediting amount to the group.