Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be clearly and completely described below with reference to specific embodiments of the present application and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
Taking the fund lending scheme as an example, as stated in the background section, it is generally that the fund lending priority of each fund institution is manually specified, and then the borrowing request of the user is pushed according to the fund lending priority, which generally results in the problem that the fund institution with the highest priority monopolizes the fund lending business. Based on the method, the invention provides a resource request distribution method, which is used for comprehensively evaluating each resource provider by collecting one or more resource transfer service related indexes of each resource provider, calculating distribution weights of each resource provider and distributing resource requests of the resource requester according to the distribution weights, so that the problem of monopoly of money release business caused by manually appointed priority is avoided, and the distribution effect is improved.
Wherein the resource requesting party is a party initiating a resource request to obtain a resource; the resource provider is a party which receives the resource request and provides the resource; resources include, but are not limited to: multimedia files (e.g., video files, audio files, moving pictures, etc.), character messages, account amounts, virtual objects, resource redemption codes, etc., but for ease of understanding the description, the following is given by way of example "funds".
An application scenario of the present invention is described below with reference to fig. 1.
The application scene comprises the following steps: a resource provider set 101, a resource transfer platform 102, and a resource requestor set 103; wherein,,
the resource requester set 103 refers to a set of resource requesters, and is used for initiating a resource request to the resource transfer platform 102 to request for obtaining a target resource in a leasing mode, a business lending mode and the like;
a set of resource providers 101, which refers to a set of resource providers, wherein each resource provider performs data docking with the resource transfer platform 102 to allow the resource transfer platform 102 to view its status and allocate resource requests for it;
a resource transfer platform 102, configured to configure resource transfer related parameters for each resource provider, and determine its latest state based on a change in the resource transfer related parameters; the resource request is assigned to a target resource provider based on the latest status of the respective resource provider to provide the target resource from the target resource.
The resource requesting party refers to a user initiating a resource request to request a target resource or terminal equipment used by the user; the resource provider is a user providing target resources or terminal equipment used by the user; the resource transfer related parameters include at least: available resource amount, resource request allocation priority, etc.; accordingly, the status of the resource provider includes at least: whether the available resource amount is 0, etc.
The following describes in detail the technical solutions provided by the embodiments of the present application with reference to the accompanying drawings.
Fig. 2 is a flow chart illustrating a resource request splitting method according to an embodiment of the present disclosure, where the method may be executed by the resource transfer platform 102 in fig. 1, and referring to fig. 2, the method may specifically include the following steps:
step 202, determining resource transfer service related indexes of at least two resource providers;
the resource transfer service related index refers to an index that can affect the resource transfer service of the resource provider, and includes: at least one of a resource transfer service fee, a resource transfer success rate, a resource transfer error rate, and a resource transfer wind control score; the resource transfer service fee refers to the service fee provided by the resource provider to the resource transfer platform, the resource transfer error rate refers to the probability of resource transfer error due to factors such as network, physical environment and the like, and the resource transfer wind control score refers to the score of the wind control mechanism of the resource provider.
It will be appreciated that to ensure objectivity and accuracy of the assessment of the resource provider, the method is performed at step 202 and further comprises: an index setting step and an index collecting step; wherein,,
The index setting step may specifically be exemplified by:
firstly, collecting resource transfer business completed by a resource transfer platform in history, and analyzing the resource transfer business to extract influence indexes of the resource transfer business, for example: resource transfer success rates of resource providers that often fail in resource transfer are low.
And secondly, determining indexes such as income, wind control and the like required by the resource transfer platform.
And thirdly, optionally combining expert experience, and optimizing the indexes determined in the previous two steps to screen out/adjust the indexes with smaller influence on the part or add the indexes which are not considered in part, so as to construct the related indexes of the resource transfer service. For example: considering that the current market preemption stage, the beneficiary index can be screened out; considering that the resource request amount of a certain period of time is relatively large, the importance of the resource transfer efficiency index of the resource provider can be reduced.
Accordingly, the index collection step may specifically be exemplified by:
example 1, an index directly available for resource transfer service fees and the like can be directly extracted from a data source such as a resource provider, platform data and the like.
Example 2, for the indexes such as the resource transfer success rate and the resource transfer error rate which need to be obtained by a simple processor, historical resource transfer data of each resource provider can be collected, and statistical analysis and other treatments are performed on the historical resource transfer data, so as to obtain the resource transfer success rate, the resource transfer error rate and the like.
Example 3, for indexes such as resource transfer wind control scoring, which are available by a complex evaluation rule party, a wind control mechanism of a resource provider can be obtained, key wind control features in the wind control mechanism are extracted, and the resource provider is scored based on the key wind control features and the scoring rule of the resource transfer platform, so that the resource transfer wind control scoring of the resource provider is obtained.
Wherein, the wind control mechanism refers to a series of measures preconfigured by a resource provider to avoid abnormal resource transfer, for example: setting spare resources and the like for avoiding resource shortage; the key wind control feature may refer to some risk control indicators that are preset, such as: spare resource amount.
In addition, in view of that the resource transfer environment is not unchanged, in order to ensure the validity of the resource transfer related index, the embodiment further proposes a step of dynamically adjusting the resource transfer related index, where the step specifically may be:
determining environment characteristic information of a resource transfer environment, wherein the environment characteristic information is used for representing the influence of the resource transfer environment on resource transfer; and adjusting the resource transfer service related index based on the environment characteristic information.
Wherein the environmental characteristic information of the resource transfer environment includes, but is not limited to: resource transfer risk characteristics, resource transfer success rate, resource transfer benefits and the like.
Taking the resource transfer risk feature as an example, if it is detected that the resource transfer service is suddenly hacked and the risk resistance capability is required to be improved, indexes such as service security scores, wind control scores and the like of the resource provider are added into the related indexes of the resource transfer.
Taking resource transfer benefits as an example, if the strategy of the resource transfer platform is changed into a profit mode from the preemptive market, the benefit indexes such as resource transfer service charge, management charge and the like are added into the resource transfer related indexes.
It is to be understood that, for other changes in the resource transfer environment caused by the outside, the resource transfer platform, the two sides of the resource transfer, or the like, even for changes in the resource transfer environment caused by the physical environment, the resource transfer service related indexes can be flexibly adjusted in this example, which are not listed here.
In addition, it should be noted that, to ensure the reliability of resource transfer, at least two resource providers here may be high-quality resource providers after screening; specific resource provider screening steps may be exemplified as:
Step S1, acquiring the latest resource state and historical resource transfer data of an optional resource provider;
wherein, the selectable resource provider generally refers to a resource provider with a cooperative relationship with the resource transfer platform; the latest resource states include, but are not limited to: the resource amount, the existence of levers, the existence of mortgages and the like can be provided; historical resource transfer data includes, but is not limited to: historical resource transfer success rate, historical resource transfer error rate, etc.
And step S2, screening the selectable resource providers based on the latest resource state and the historical resource transfer data to obtain the at least two resource providers. One implementation of the method can be as follows:
and (3) carrying out quantization processing on each feature in the step (S1), inputting the quantized features into a preset evaluation model to obtain evaluation values corresponding to each optional resource provider, and selecting a preset number (for example, 3) of resource providers with the evaluation values in front from the optional resource providers to generate the at least two resource providers.
Step 204, determining the split weights of the at least two resource providers based on the resource transfer service related indexes;
the splitting weight is used for representing the priority of each resource provider in the splitting process of the resource request, and generally, the higher the splitting weight is, the higher the priority is.
It should be noted that, the first implementation manner of step 204 may be:
s1', determining a weight coefficient corresponding to each index in the related indexes of the resource transfer service; it can be specifically exemplified as:
determining a coefficient calculation mode corresponding to each index in the resource transfer service related indexes; and determining the weight coefficient corresponding to each index based on the coefficient calculation mode corresponding to each index.
That is, the implementation method distinguishes the influence of each index on the resource transfer by respectively configuring different coefficient calculation modes for different types of indexes, so as to further ensure the accuracy of the evaluation. Specific examples are as follows:
the coefficient calculation mode corresponding to the resource transfer service charge can be a primary function, namely, the resource transfer service charge is in direct proportion to the weight coefficient; the coefficient calculation mode corresponding to the resource transfer success rate can be a quadratic function; the coefficient calculation mode corresponding to the resource transfer error rate can be an inverse proportion function, namely, the resource transfer error rate is inversely proportional to the weight coefficient; the coefficient calculation mode corresponding to the resource transfer wind control score can be a point set, for example: the resource provider has a wind control mechanism, the weight coefficient is 1, and the weight coefficient is 0 when the wind control mechanism is not used.
It should be understood that the coefficient calculation manner corresponding to each index may be flexibly configured according to the requirements of the resource transfer platform, the requirements of the resource provider, and the requirements of the resource transfer environment, which is not limited herein.
And step S2', determining the shunt weights of the at least two resource providers based on the weight coefficients corresponding to each index. It can be specifically exemplified as:
it is assumed that at least two resource providers include: the first resource provider and the second resource provider calculate the weight coefficients corresponding to the indexes of the first resource provider based on the coefficient calculation mode corresponding to the indexes, wherein the weight coefficients respectively are as follows: and the weight coefficients corresponding to the indexes of the second resource provider are respectively as follows: 0.6, 0.8, 0.4, 0.8.
The first resource provider and the second resource provider can be comprehensively evaluated based on the weight coefficient corresponding to each index and a preset scoring rule, so that the score of each resource provider is obtained, and the score is used as the shunt weight.
Further, in order to distinguish the influence of each index on the resource request splitting so as to ensure the splitting accuracy, the present example further introduces the concept of the weight value corresponding to the index, and accordingly, the specific scoring rule may be specifically exemplified as follows:
Determining a weight value corresponding to each index in the resource transfer service related indexes; and determining the shunt weights of the at least two resource providers based on the weight value and the weight coefficient corresponding to each index.
The sum of the weight values corresponding to the indexes is a fixed value (generally 1 or 100), and the weight value corresponding to each index can be preset based on historical experience and the latest requirements of the platform.
Assuming that the weight value corresponding to the resource transfer service fee is 40, the weight value corresponding to the resource transfer success rate is 30, the weight value corresponding to the resource transfer error rate is 20, and the weight value corresponding to the resource transfer wind control score is 10, the shunt weight corresponding to the first resource provider is: (0.2×40+0.6×30+0.8×20+1×10)/100=52%, and similarly the splitting weight corresponding to the second resource provider is: (0.6 x 40+0.8 x 30+0.4 x 20+0.8 x 10)/100=64%.
It is to be understood that different indexes can be acquired for different resource providers, and even different weight values corresponding to the indexes of other resource providers can be set, and detailed description is omitted here as occasion demands.
And step 206, distributing resource requests to the at least two resource providers based on the shunt weights. Referring to fig. 3, one implementation thereof may be:
Step 302, determining the total amount of resources expected to be requested by a target resource requester group;
the total amount of resources refers to the total amount of resources required to be requested in the current period of the target resource requester group estimated in advance by the resource transfer platform. Specific examples may be:
the resource transfer platform acquires resource transfer data in the latest time period to determine the total amount of resources requested by resource requester groups in each period in the time period; based on the total amount of resources corresponding to each period in the time period, evaluating the total amount of resources requested by the resource requester group in the period; specifically, the total amount of resources corresponding to each period may be weighted and averaged, and the total amount of resources corresponding to the period may be estimated.
Step 304, determining the resource quota of the at least two resource providers based on the split weight and the total resource quota; one implementation of the method can be as follows:
and dividing the total amount of resources based on the proportion between the split weights corresponding to the resource providers in the at least two resource providers to obtain the resource amount of each resource provider. Specific examples may be:
assuming that the total amount of resources is a, at least two resource providers include: if the first resource provider and the second resource provider calculate that the split weights corresponding to the first resource provider and the second resource provider are 52% and 64% based on step 204, a of 52/(52+64) is taken as the resource quota of the first resource provider, and a of 64/(52+64) is taken as the resource quota of the second resource provider.
And 306, distributing resource requests to the at least two resource providers based on the resource amount. One implementation of the method can be as follows:
determining allocation priorities corresponding to the at least two resource providers based on the splitting weights; distributing the resource request of the resource requester to a target resource provider based on the distribution priority and the distribution weight;
and the target resource provider allocates the resource provider with the highest priority and the resource limit to the at least two resource providers.
The implementation manner can be specifically exemplified as follows:
since the split weight (64%) of the second resource provider is greater than the split weight (52%) of the first resource provider, the allocation priority configured for the second provider is greater than the allocation priority of the first resource provider; and then, when a resource request initiated by a certain resource provider is received, the resource request is preferentially distributed to a second resource provider until the resource quota of the second resource provider is used up, and then a subsequent resource request is distributed to the first resource provider.
In addition, for a resource requester with a larger requested resource quota, in order to avoid the problem of lower accuracy of offloading the resource request caused by a larger quota corresponding to a certain resource request, another implementation manner of step 304 may be:
Evaluating the total amount of resources requested by a target resource requester in the period; determining the resource quota of the at least two resource providers based on the split weights and the total resource quota; determining allocation priorities corresponding to the at least two resource providers based on the splitting weights; distributing the resource request of the resource requester to a target resource provider based on the distribution priority and the distribution weight; and the target resource provider allocates the resource provider with the highest priority and the resource limit to the at least two resource providers.
Therefore, in this embodiment, the pre-specified one or more resource transfer service related indexes of each resource provider are collected and used as the basis for comprehensively evaluating each resource provider, so as to calculate the splitting weight of each resource provider, and further allocate resource requests to each resource provider based on the splitting weight. Compared with the existing scheme of manually designating the allocation priority of each resource provider, the method and the device can avoid the subjective influence of the personnel, comprehensively evaluate the shunting weight of each resource provider from multiple dimensions, and further effectively improve the shunting effect of the resource request.
Fig. 4 is a flowchart of a method for splitting a borrowing request according to another embodiment of the present disclosure, which may be executed by the resource transfer platform 102 in fig. 1, referring to fig. 4, and the method may specifically include the following steps:
step 402, determining fund service related indexes of at least two fund institutions;
wherein, the fund institution refers to banks, securities, etc. providing funds for borrowers; funds service-related indicators include, but are not limited to: at least one of a payoff service fee, a payoff success rate, a payoff error rate, and a payoff wind control score.
It should be noted that, to ensure the validity of the index, before performing step 402, this embodiment further includes: the index optimization step, the step specifically can be:
determining environmental characteristic information of a funds transfer environment, wherein the environmental characteristic information is used for representing the influence of the funds transfer environment on funds transfer; and adjusting the fund transfer service related index based on the environment characteristic information.
In addition, to ensure the reliability of the funding mechanism, the present embodiment further includes, before performing step 402: a step of screening the funding institution, which may specifically be:
Acquiring the latest fund state and historical fund transfer data of the optional fund institution; and screening the selectable fund institutions based on the latest fund state and the historical fund transfer data to obtain the at least two fund institutions.
Step 404, determining shunt weights of the at least two fund institutions based on the fund service related indicators; one implementation of the method can be as follows:
step S1', determining a weight coefficient corresponding to each index in the related indexes of the fund transfer service; it can be specifically exemplified as:
determining a coefficient calculation mode corresponding to each index in the related indexes of the fund transfer service; and determining the weight coefficient corresponding to each index based on the coefficient calculation mode corresponding to each index.
And step S2', determining the shunt weights of the at least two fund institutions based on the weight coefficients corresponding to each index. It can be specifically exemplified as:
firstly, determining a weight value corresponding to each index in the related indexes of the fund transfer service; and then, determining the shunt weights of the at least two fund institutions based on the weight value and the weight coefficient corresponding to each index.
The weight value corresponding to each index may be set for a person.
Step 406, distributing fund requests to the at least two fund institutions based on the diversion weights. One implementation of the method can be as follows:
s1', evaluating the total amount of funds requested by a target funds requester group;
step S2', determining the fund amount of the at least two fund institutions based on the shunt weight and the fund total amount;
and step S3', distributing fund requests for the at least two fund institutions based on the fund amount. It can be specifically exemplified as:
determining allocation priorities corresponding to the at least two fund institutions based on the diversion weights; allocating a funds request of the funds requester to the target funds institution based on the allocation priority and the diversion weight; and the target fund institutions allocate the fund institutions with the highest priority and fund amount to the at least two fund institutions.
It can be seen that, in this embodiment, by collecting one or more pre-specified relevant indexes of the fund service of each fund institution and using the collected indexes as the basis for comprehensive evaluation of each fund institution, the splitting weight of each fund institution is calculated, and then the fund request is allocated to each fund institution based on the splitting weight. Compared with the existing scheme of manually designating the allocation priority of each fund institution, the method has the advantages that the subjective influence of the person can be avoided, the shunting weight of each fund institution is comprehensively evaluated from multiple dimensions, and then the fund request shunting effect is effectively improved.
In addition, for simplicity of explanation, the above-described method embodiments are depicted as a series of acts, but it should be appreciated by those skilled in the art that the present embodiments are not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the embodiments. Further, those skilled in the art will recognize that the embodiments described in the specification are all preferred embodiments, and that the actions involved are not necessarily required for the embodiments of the present invention.
Fig. 5 is a schematic structural diagram of a resource request splitting device according to an embodiment of the present disclosure, referring to fig. 5, the device may specifically include: a determination module 502, a processing module 504, and an allocation module 506, wherein:
a determining module 502, configured to determine resource transfer service related indicators of at least two resource providers;
a processing module 504, configured to determine a split weight of the at least two resource providers based on the resource transfer service related indicator;
an allocation module 506, configured to allocate resource requests for the at least two resource providers based on the splitting weights.
Optionally, the resource transfer service related index includes: at least one of a resource transfer service fee, a resource transfer success rate, a resource transfer error rate, and a resource transfer wind control score.
Optionally, the processing module 504 is specifically configured to:
determining a weight coefficient corresponding to each index in the resource transfer service related indexes; and determining the shunt weights of the at least two resource providers based on the weight coefficients corresponding to each index.
Optionally, the processing module 504 is specifically configured to:
determining a coefficient calculation mode corresponding to each index in the resource transfer service related indexes; and determining the weight coefficient corresponding to each index based on the coefficient calculation mode corresponding to each index.
Optionally, the apparatus further comprises:
the first preprocessing module is used for determining a weight value corresponding to each index in the related indexes of the resource transfer service;
the processing module 504 is specifically configured to:
and determining the shunt weights of the at least two resource providers based on the weight value and the weight coefficient corresponding to each index.
Optionally, the apparatus further comprises:
the index adjustment module is used for determining environment characteristic information of a resource transfer environment, wherein the environment characteristic information is used for representing the influence of the resource transfer environment on resource transfer; and adjusting the resource transfer service related index based on the environment characteristic information.
Optionally, the apparatus further comprises:
the second preprocessing module is used for acquiring the latest resource state and historical resource transfer data of the optional resource provider; and screening the selectable resource providers based on the latest resource state and the historical resource transfer data to obtain the at least two resource providers.
Optionally, the allocation module 506 is specifically configured to:
evaluating the total amount of resources requested by the target resource requester group; determining the resource quota of the at least two resource providers based on the split weights and the total resource quota; and distributing resource requests to the at least two resource providers based on the resource amount.
Optionally, the allocation module 506 is specifically configured to:
determining allocation priorities corresponding to the at least two resource providers based on the splitting weights; distributing the resource request of the resource requester to a target resource provider based on the distribution priority and the distribution weight;
and the target resource provider allocates the resource provider with the highest priority and the resource limit to the at least two resource providers.
Therefore, in this embodiment, the pre-specified one or more resource transfer service related indexes of each resource provider are collected and used as the basis for comprehensively evaluating each resource provider, so as to calculate the splitting weight of each resource provider, and further allocate resource requests to each resource provider based on the splitting weight. Compared with the existing scheme of manually designating the allocation priority of each resource provider, the method and the device can avoid the subjective influence of the personnel, comprehensively evaluate the shunting weight of each resource provider from multiple dimensions, and further effectively improve the shunting effect of the resource request.
Fig. 6 is a schematic structural diagram of a funds request diversion apparatus according to an embodiment of the present disclosure, referring to fig. 6, the apparatus may specifically include: a determination module 602, a processing module 604, and an allocation module 606, wherein:
a determining module 602 for determining funds service-related indicators of at least two funds institutions;
a processing module 604 for determining split weights of the at least two funding institutions based on the funding service related indicators;
an allocation module 606 for allocating funds requests to the at least two funds institutions based on the split weights.
Optionally, the funds service-related indicators include, but are not limited to: at least one of a payoff service fee, a payoff success rate, a payoff error rate, and a payoff wind control score.
Optionally, the apparatus further comprises:
the index adjustment module is used for determining environmental characteristic information of the funds transfer environment, wherein the environmental characteristic information is used for representing the influence of the funds transfer environment on funds transfer; and adjusting the fund transfer service related index based on the environment characteristic information.
Optionally, the apparatus further comprises:
the institution screening module is used for acquiring the latest fund state and historical fund transfer data of the optional fund institutions; and screening the selectable fund institutions based on the latest fund state and the historical fund transfer data to obtain the at least two fund institutions.
Optionally, the processing module 604 is specifically configured to:
determining a weight coefficient corresponding to each index in the funds transfer service related indexes; and determining the shunt weights of the at least two fund institutions based on the weight coefficients corresponding to each index.
Optionally, the processing module 604 is specifically configured to:
determining a coefficient calculation mode corresponding to each index in the related indexes of the fund transfer service; and determining the weight coefficient corresponding to each index based on the coefficient calculation mode corresponding to each index.
Optionally, the processing module 604 is specifically configured to:
determining a weight value corresponding to each index in the funds transfer service related indexes; and determining the shunt weights of the at least two fund institutions based on the weight value and the weight coefficient corresponding to each index.
Optionally, the allocation module 606 is specifically configured to:
evaluating the total amount of funds requested by the target funds requester group; determining a monetary amount of the at least two monetary institutions based on the split weights and the monetary total amount; and distributing fund requests to the at least two fund institutions based on the fund amount.
Optionally, the allocation module 606 is specifically configured to:
Determining allocation priorities corresponding to the at least two fund institutions based on the diversion weights; allocating a funds request of the funds requester to the target funds institution based on the allocation priority and the diversion weight; and the target fund institutions allocate the fund institutions with the highest priority and fund amount to the at least two fund institutions.
It can be seen that, in this embodiment, by collecting one or more pre-specified relevant indexes of the fund service of each fund institution and using the collected indexes as the basis for comprehensive evaluation of each fund institution, the splitting weight of each fund institution is calculated, and then the fund request is allocated to each fund institution based on the splitting weight. Compared with the existing scheme of manually designating the allocation priority of each fund institution, the method has the advantages that the subjective influence of the person can be avoided, the shunting weight of each fund institution is comprehensively evaluated from multiple dimensions, and then the fund request shunting effect is effectively improved.
In addition, for the above-described apparatus embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference should be made to the description of the method embodiments for relevant points. It should be noted that, among the respective components of the apparatus of the present invention, the components thereof are logically divided according to functions to be realized, but the present invention is not limited thereto, and the respective components may be re-divided or combined as needed.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure, and referring to fig. 7, the electronic device includes a processor, an internal bus, a network interface, a memory, and a nonvolatile memory, and may include hardware required by other services. The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs, and a resource request shunt device is formed on a logic level. Of course, other implementations, such as logic devices or combinations of hardware and software, are not excluded from the present application, that is, the execution subject of the following processing flows is not limited to each logic unit, but may be hardware or logic devices.
The network interface, processor and memory may be interconnected by a bus system. The bus may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 7, but not only one bus or type of bus.
The memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include read only memory and random access memory and provide instructions and data to the processor. The Memory may comprise a Random-Access Memory (RAM) or may further comprise a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory.
The processor is used for executing the program stored in the memory and specifically executing:
determining resource transfer service related indexes of at least two resource providers;
determining the split weights of the at least two resource providers based on the resource transfer service related indexes;
and distributing resource requests to the at least two resource providers based on the split weights.
The method performed by the resource request splitting device or manager (Master) node described above and disclosed in the embodiment of fig. 5 of the present application may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The disclosed methods, steps, and logic blocks in the embodiments of the present application may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present application may be embodied directly in the execution of a hardware decoding processor, or in the execution of a combination of hardware and software modules in a decoding processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.
The resource request splitting device may also perform the methods of fig. 2-3 and implement the methods performed by the manager node.
Based on the same inventive concept, embodiments of the present application also provide a computer-readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the resource request splitting method provided by the corresponding embodiments of fig. 2-3.
Fig. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure, and referring to fig. 8, the electronic device includes a processor, an internal bus, a network interface, a memory, and a nonvolatile memory, and may include hardware required by other services. The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs, and forms a fund request diversion device on a logic level. Of course, other implementations, such as logic devices or combinations of hardware and software, are not excluded from the present application, that is, the execution subject of the following processing flows is not limited to each logic unit, but may be hardware or logic devices.
The network interface, processor and memory may be interconnected by a bus system. The bus may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 8, but not only one bus or type of bus.
The memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include read only memory and random access memory and provide instructions and data to the processor. The Memory may comprise a Random-Access Memory (RAM) or may further comprise a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory.
The processor is used for executing the program stored in the memory and specifically executing:
determining fund service related indicators of at least two fund institutions;
Determining split weights of the at least two funding institutions based on the funding service related indicators;
and distributing fund requests to the at least two fund institutions based on the diversion weights.
The method performed by the funds request splitting apparatus or manager (Master) node described above and disclosed in the fig. 6 embodiment of the application may be implemented in or by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The disclosed methods, steps, and logic blocks in the embodiments of the present application may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present application may be embodied directly in the execution of a hardware decoding processor, or in the execution of a combination of hardware and software modules in a decoding processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.
The funds request diversion apparatus may also perform the method of fig. 4 and implement the method performed by the manager node.
Based on the same inventive concept, embodiments of the present application also provide a computer-readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the funds request diversion method provided by the corresponding embodiment of fig. 4.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and variations of the present application will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. which come within the spirit and principles of the application are to be included in the scope of the claims of the present application.