CN110599186A

CN110599186A - Resource and asset allocation method, device and equipment

Info

Publication number: CN110599186A
Application number: CN201910740270.9A
Authority: CN
Inventors: 董文超
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-08-12
Filing date: 2019-08-12
Publication date: 2019-12-20
Anticipated expiration: 2039-08-12
Also published as: CN110599186B

Abstract

The embodiment of the specification provides a resource and asset allocation method, device and equipment, wherein the resource allocation method comprises the following steps: determining a resource freezing limit of the target group, freezing resources of users participating in resource allocation in the target group according to the resource freezing limit, and taking the frozen resources as allocable resources of the target group; when receiving a deployment request for deploying the deployable resources of the target group, determining the numerical value of the resources required to be deployed by the users participating in resource deployment in the target group according to the deployment request; and allocating the frozen resources of the users participating in resource allocation in the target group according to the determined numerical value of the resources required to be allocated.

Description

Resource and asset allocation method, device and equipment

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method, an apparatus, and a device for allocating resources and assets.

Background

The payment mode made by AA is a common payment mode in daily life, for example, after a gathering, a tour and other activities, the cost generated by the activities is evenly distributed among a plurality of users participating in the activities by means of AA. Some current payment tools have an AA payment function, which is mainly implemented by manually inputting information such as a total payment amount and a payment account of a user who makes AA payment by the user, and when the plurality of users perform a plurality of activities, the information needs to be manually input after each activity is finished, or after all activities are finished, the amount of money to be paid by each user is manually calculated and manually input, which is inconvenient and has a risk of wrong money deduction due to calculation errors or input errors.

Disclosure of Invention

One or more embodiments of the present disclosure provide a method, an apparatus, and a device for allocating resources and assets, so as to implement automatic allocation of resources and assets without requiring a user to perform calculation and manual operation, thereby not only improving convenience of allocating resources and assets, but also avoiding a risk of misallocation of resources and assets due to a calculation error or a manual operation error.

To solve the above technical problem, one or more embodiments of the present specification are implemented as follows:

one or more embodiments of the present specification provide a resource allocation method, including:

determining a resource freezing limit of the target group;

freezing the resources of the users participating in resource allocation in the target group according to the resource freezing limit, and taking the frozen resources of the users participating in resource allocation as the allocable resources of the target group;

when a deployment request for deploying the deployable resources of the target group is received, determining the numerical value of the resources required to be deployed by the user participating in resource deployment in the target group according to the deployment request;

allocating the frozen resources of the users participating in resource allocation in the target group according to the determined numerical value

One or more embodiments of the present specification provide an asset allocation method, including:

determining a credit asset freezing limit of the target group;

freezing the credit assets of the users participating in payment in the target group according to the credit asset freezing limit, and taking the frozen credit assets of the users participating in payment as virtual assets of the target group;

when a payment request based on the virtual assets of the target group is received, determining the per-capita payment amount according to the payment sum of the payment request and the number of users participating in payment in the target group;

deducting the per-person payment amount from the frozen credit assets of the users participating in the payment from the target group.

One or more embodiments of the present specification provide a resource allocation apparatus, including:

the first determining module is used for determining the resource freezing limit of the target group;

the freezing module is used for freezing the resources of the users participating in resource allocation in the target group according to the resource freezing limit, and taking the frozen resources of the users participating in resource allocation as the allocable resources of the target group;

a second determining module, configured to determine, when receiving a deployment request for deploying the deployable resources of the target group, a numerical value of resources to be deployed by a user participating in resource deployment in the target group according to the deployment request;

and the resource allocation module allocates the frozen resources of the users participating in resource allocation in the target group according to the determined numerical value.

One or more embodiments of the present specification provide an asset allocation device, comprising:

a first determination module that determines a credit asset freeze limit for the target group;

the freezing module is used for freezing the credit assets of the users participating in payment in the target group according to the credit asset freezing limit, and taking the frozen credit assets of the users participating in payment as the virtual assets of the target group;

a second determination module, which determines the per-person payment amount according to the payment sum of the payment request and the number of users participating in payment in the target group when receiving the payment request based on the virtual assets of the target group;

an asset allocation module that deducts the per-capita payment amount from the frozen credit assets of the payment-participating users of the target group.

One or more embodiments of the present specification provide a resource allocating apparatus, including:

a processor; and the number of the first and second groups,

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

determining a resource freezing limit of the target group;

and allocating the frozen resources of the users participating in resource allocation in the target group according to the determined numerical value.

a processor; and the number of the first and second groups,

determining a credit asset freezing limit of the target group;

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following:

determining a resource freezing limit of the target group;

determining a credit asset freezing limit of the target group;

According to one embodiment of the specification, automatic allocation of resources is realized, resources of users participating in resource allocation in a target group are frozen, the frozen resources are used as allocable resources of the target group, and resource allocation is automatically performed based on allocation requests of the allocable resources without calculation and manual operation of the users, so that convenience of resource allocation is improved, and the risk of resource misallocation caused by calculation errors or manual operation errors of the users is avoided.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.

Fig. 1 is a schematic view of a resource allocation method according to one or more embodiments of the present disclosure;

FIG. 2 is a flow diagram illustrating a resource allocation method according to one or more embodiments of the present disclosure;

FIG. 3 is a first schematic flow chart of a method for deploying assets according to one or more embodiments of the present disclosure;

FIG. 4 is a schematic diagram of a scenario of a create group operation according to one or more embodiments of the present disclosure;

FIG. 5 is a diagram illustrating a first refinement of step S304 provided in one or more embodiments of the disclosure;

FIG. 6 is a diagram illustrating a second refinement of step S304 provided in one or more embodiments of the disclosure;

FIG. 7 is a schematic view of a fee settlement scenario provided in one or more embodiments of the present disclosure;

FIG. 8 is a second schematic flow chart of a method for deploying assets according to one or more embodiments of the present disclosure;

FIG. 9 is a third schematic flow chart of a method for deploying assets according to one or more embodiments of the present disclosure;

FIG. 10 is a block diagram of a resource allocation apparatus according to one or more embodiments of the present disclosure;

FIG. 11 is a block diagram illustrating an example of an asset allocation device according to one or more embodiments of the present disclosure;

fig. 12 is a schematic structural diagram of a resource allocation apparatus according to one or more embodiments of the present disclosure;

fig. 13 is a schematic structural diagram of an asset allocation device according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

One or more embodiments of the present disclosure provide a resource allocation method, apparatus, and device, in which resources of users participating in resource allocation in a target group are frozen and used as allocable resources of the target group, and allocation requests of the allocable resources are automatically allocated based on the resource allocation requests, so that users do not need to perform calculation and manual operation, thereby improving convenience of resource allocation and avoiding a risk of resource misallocation caused by a user calculation error or a manual operation error.

Fig. 1 is a schematic view of an application scenario of a resource allocation method according to one or more embodiments of the present disclosure, as shown in fig. 1, a target group includes a plurality of users participating in resource allocation, a resource allocation device freezes resources of the users participating in resource allocation in the target group according to a determined resource freezing limit, and uses the frozen resources of the users participating in resource allocation as allocable resources held by the target group; when the resource allocation device receives an allocation request for allocating the allocable resources of the target group, the frozen resources of the users participating in resource allocation in the target group are allocated. The method comprises the following steps that a client of payment application is installed in an intelligent terminal of each user participating in resource allocation, the client is called as a client for short, and the user can operate the client to send an allocation request for allocating allocable resources of a target group to a resource allocation device; further, the resource includes credit assets associated with the client, such as credit cards, consumption credit functions (such as flowers of a payment treasure) and the like, and the resource may also include entity resources associated with the client, such as bank cards, wallets (such as WeChat wallets) and the like; the allocation request is, for example, to allocate the frozen resources of the users participating in the resource allocation on average.

Fig. 2 is a flowchart illustrating a resource allocation method according to one or more embodiments of the present disclosure, where the method in fig. 2 can be performed by the resource allocation apparatus in fig. 1, as shown in fig. 2, and the method includes the following steps:

step S102, determining a resource freezing limit of a target group;

step S104, freezing the resources of the users participating in resource allocation in the target group according to the resource freezing limit, and taking the frozen resources of the users participating in resource allocation as the allocable resources of the target group;

step S106, when receiving a dispatching request for dispatching the distributable resources of the target group, determining the numerical value of the resources required to be dispatched by the users participating in resource dispatching in the target group according to the dispatching request;

and step S108, allocating the frozen resources of the users participating in resource allocation in the target group according to the determined numerical values.

In one or more embodiments of the present disclosure, resources of users participating in resource allocation in a target group are frozen in advance and used as allocable resources of the target group, so as to automatically allocate resources based on an allocation request of the allocable resources without requiring manual operation of the user, which not only improves convenience of resource allocation, but also avoids a risk of resource misallocation caused by manual operation of the user.

Considering that some users' clients do not associate resources, such as a credit card not bound by the client, or the user does not open a credit consuming function of the client, or there is no amount in a wallet of the client, or the like, or the current allocable limit of resources associated with the clients of the users is not enough to bear the resource freezing limit, for example, the current available limit of the credit card associated with the clients of the users is less than the resource freezing limit, and the resource freezing cannot be performed to perform subsequent automatic resource allocation; based on this, in one or more embodiments of the present specification, the step S104 of freezing the resource of the user participating in resource allocation in the target group according to the resource freezing quota includes:

and if it is determined that the user participating in resource allocation in the target group holds the resource and the current allocable limit of the resource held by the user participating in resource allocation is not less than the resource freezing limit, freezing the resource held by the user participating in resource allocation by using the resource freezing limit.

Specifically, whether the account information of the user participating in resource allocation is associated with the resource is judged according to the prestored account information of the client and the resource association record information, if not, the resource freezing failure information is sent to the corresponding user, if so, the user participating in resource allocation is determined to hold the resource, the current allocable limit of the resource held by the user participating in resource allocation is obtained, whether the obtained current allocable limit is not less than the resource freezing limit is judged, if not, the resource freezing failure information is sent to the corresponding user, and if so, the resource associated with the account information of the user participating in resource allocation is frozen by the resource freezing limit.

As an example, the resource allocation amount is 500 yuan, whether account information (e.g. account information of a payment treasured) of a user participating in resource allocation is associated with at least one of a credit card, a bank card and a consumption credit function (e.g. flower) is judged according to pre-stored associated record information of account information of a client and the resource, and if the associated consumption credit function (i.e. the user opens a flower) is associated, and the current available amount of the associated consumption credit function is 2000 yuan and is not less than the resource allocation amount, the consumption credit function is frozen by a resource freezing amount (e.g. the current available amount of the flower is frozen by 500 yuan).

In order to distinguish different groups, in one or more embodiments of the present specification, when a group is created, a group identifier of each group is generated, and account information of users participating in resource allocation in the group is associated through the group identifier; the process of creating the group and the process of associating the account information of the users participating in resource allocation in the group by the group identifier are described in detail later. Based on this, in one or more embodiments of the present specification, the allocating request includes a total resource allocation amount and a group identifier of the target group, and correspondingly, the determining, according to the allocating request, a value of the resource to be allocated by the user participating in resource allocation in the target group in step S106 includes:

determining users participating in resource allocation in the target group according to the group identification;

and determining the numerical value of the resources required to be allocated by the users participating in resource allocation in the target group according to the total resource allocation and the determined number of the users participating in resource allocation in the target group.

Determining the process of users participating in resource allocation in the target group according to the group identifier, and detailed description is given later; taking average allocation of the allocable resources as an example, the total resource allocation number is divided by the determined number of the users participating in resource allocation in the target group, so as to obtain the value of the resources required to be allocated by the users participating in resource allocation in the target group.

Further, the step S108 of allocating the frozen resource of the user participating in resource allocation in the target group includes: deducting the resources with the determined numerical values from the frozen resources of the users participating in resource allocation in the determined target group; such as deducting the 200 yuan from the frozen consumption amount of the user participating in resource allocation in the determined target group.

Therefore, the resources of the users participating in resource allocation in the target group are frozen according to the resource freezing limit by acquiring the resource freezing limit of the target group, and the frozen resources of the users participating in resource allocation are used as the allocable resources of the target group; when receiving a deployment request for deploying the deployable resources of the target group, determining the numerical value of the resources required to be deployed by the users participating in resource deployment in the target group according to the deployment request; and allocating the frozen resources of the users participating in resource allocation in the target group according to the determined numerical value. Therefore, according to the embodiment of the specification, the resources of the users participating in resource allocation in the target group are frozen in advance and serve as the allocable resources of the target group, and the resource allocation is automatically performed based on the allocation request of the allocable resources without calculation and manual operation of the users, so that the convenience of resource allocation is improved, and the risk of resource misallocation caused by manual operation of the users is avoided.

As described above, the resources in the embodiments of the present specification include credit assets and entity assets, and the asset allocation method provided in the present specification is described in detail below by taking the resources as credit assets and performing the average payment by AA based on the credit assets. Specifically, referring to fig. 3, where fig. 3 is a schematic flow chart of an asset allocation method provided in one or more embodiments of the present disclosure, the method in fig. 3 can be executed by an asset allocation device, as shown in fig. 3, and the method includes the following steps:

step S202, determining a credit asset freezing limit of the target group;

step S204, the credit assets of the users participating in the payment in the group are frozen according to the credit asset freezing limit, and the frozen credit assets of the users participating in the payment are used as the virtual assets of the target group;

step S206, when a payment request based on the virtual assets of the target group is received, determining the per-capita payment amount according to the total payment amount of the payment request and the number of the users participating in payment in the target group;

step S208, deduct the per-person payment amount from the frozen credit assets of the users participating in the payment in the target group.

In one or more embodiments of the present disclosure, credit assets of users participating in payment in a target group are frozen in advance and serve as virtual assets of the target group, and a per-capita payment amount is automatically determined based on a payment request of the virtual resource and asset allocation is performed without calculation and manual operation by the user, so that convenience of asset allocation is improved, and a risk of asset allocation error caused by manual operation is avoided.

The process of freezing the credit assets of the users participating in the payment in the group according to the credit asset freezing quota in the step S204 is similar to the process of freezing the resources of the users participating in the resource allocation in the target group according to the resource freezing quota, and is not described herein again.

In order to ensure the security of the credit assets of the users participating in the payment and make the users participating in the payment know the information such as the asset allocation items based on the credit assets and the asset freezing quota, in one or more embodiments of the present specification, before step S204, the method further includes:

step S302, generating a payment protocol according to the credit asset frozen limit;

the payment agreement includes the asset freezing amount, the asset allocation rule, and other items that need to be known by the user.

And step S304, acquiring the signed message of the payment agreement, and determining the user signing the payment agreement as the user participating in payment in the target group.

Therefore, by generating the payment agreement and acquiring the signed message of the payment agreement, the users participating in payment in the target group are determined and the credit assets of the users are frozen, so that the problems of asset mis-allocation and the like caused by the mistakenly determined users participating in payment are effectively avoided on the basis that the users participating in payment fully know about asset allocation items.

Because the asset freezing quota of each group is different, the users included in each group are different, in order to effectively distinguish the groups, in one or more embodiments of the present specification, a unique group is corresponding to the group through a group identifier, specifically, before the step S202, the method further includes:

step A, receiving a group creation request, creating a group according to the group creation request, and generating a group identifier of the created group; specifically, the user operates the client to send a group creation request to the asset allocation device, and the asset allocation device creates a group according to the received group creation request and generates a group identifier of the created group.

Correspondingly, the payment request includes a group identifier of the target group, and before determining the per-person payment amount according to the total payment amount of the payment request and the number of users participating in payment in the target group in step S206, the method further includes:

step B, determining users participating in payment in the target group according to the group identification of the target group;

further, step S208 includes: deducting the per-person payment amount from the frozen credit assets of the users participating in the payment from the determined target group.

Further, after step S202, in order to effectively count the frozen credit assets of the users participating in the payment in the target group, the method further includes: correspondingly storing the group identification of the target group and the credit asset freezing limit of the target group; and the number of the first and second groups,

after step S208, the method further includes: and determining the balance of the frozen credit assets of the users participating in payment in the target group, updating the credit asset freezing limit stored corresponding to the group identification of the target group to the determined balance of the frozen credit assets, and taking the credit asset freezing limit as the current credit asset freezing limit of the target group.

Therefore, after each asset allocation, the current credit asset freezing limit is updated to provide an accurate data base for subsequent asset allocation.

Considering that some groups are created based on temporary activities, such as meeting of users a, b and c which are far away from each other on a certain day and determining to adopt an AA payment mode for dinner gathering, the user a can operate the client thereof to send a group creation request to the asset allocation device to create the group, and the user a, the user b and the user c in the group all participate in AA payment, namely all users in the group participate in AA payment; since the user a, the user b and the user c are far away from each other, the AA payment based on the virtual assets of the group may not be carried out in a long time after the current meal gathering, namely, the group has no significance after the current meal gathering is finished; some groups are fixed and exist for a long time, such as a department of an enterprise, a group constructed by closely related friends, and the like, users in the group can carry out activities for a plurality of times based on virtual assets of the group in a certain time period by adopting an AA payment mode, but taking the group constructed by closely related friends as an example, a certain user inevitably has other things to participate in the process of carrying out certain activities, and not only is the user operation increased, but also the group information of the new group needs to occupy the storage space of the asset allocation device. Based on the difference between the two groups, in order to improve the maintenance efficiency of the group, timely release the storage space occupied by the group information of the group without significance, and reduce the user operation as much as possible, in one or more embodiments of the present specification, the attributes of the group are divided, including a temporary group and a fixed group; wherein the temporary group has temporary validity, such as validity within 48 hours, and all users in the group participate in asset allocation; while a fixed group has long-term effectiveness, such as a year or more, and users in the group can choose whether to participate in the asset allocation. Correspondingly, the group creation request comprises attribute information of the group to be created.

In one or more embodiments of the present specification, if the attribute information of the group to be created represents that the group to be created is a temporary group, step S202 includes:

acquiring a credit asset freezing limit of a target group in a group creation request;

specifically, when the user wants to create a temporary group, referring to the schematic diagram of the user group creation operation shown in fig. 4, the user may input a group name and a credit asset freezing limit in his client, check the temporary group information, and operate (e.g., click or double-click) the create group control to send a group creation request to the asset allocation device; when the asset allocation device receives the group creation request, the group to be created is used as a target group, and the group request is analyzed to obtain the group name, the credit asset freezing limit and the attribute information of the target group.

Further, since all users in the temporary group participate in the asset allocation, in order to avoid the subsequent unnecessary trouble caused by the users joining the group without knowing the asset allocation items, in one or more embodiments of the present specification, as shown in fig. 5, the acquiring the signed message of the payment agreement in step S304 includes:

step S304-2, when a group joining request sent by a user to join the target group is received, wherein the group joining request comprises account information of the user to join the target group, sending a payment protocol to the user to join the target group;

in one or more embodiments of the present description, a user sending a group creation request may be used as a group owner of a target group, and after creation of the target group is completed, the group owner may operate its client to send a group joining invitation to a user to join the target group, and the user to join the target group may operate a group joining consent control in its client to send a group joining request to an asset allocation apparatus; or the group owner can display the two-dimension code of the target group to the user to be added into the target group, and the user to be added into the target group operates the client to scan the two-dimension code so as to send a group adding request to the asset allocation device; or, the user to join the target group may search the target group in the client thereof according to the group name of the target group, and operate the join group control to send a group join request to the asset allocation device. When the asset allocation device receives a group joining request sent by a user to be joined into the target group, the account information of the user to be joined into the target group is obtained in the group joining request, and a payment protocol is sent to an account corresponding to the account information, so that the user to be joined into the target group signs the payment protocol.

And step S304-4, receiving the signing message sent by the user to be added into the target group, adding the user to be added into the target group, and performing association recording on the account information and the group identifier of the target group to obtain association recording information.

Therefore, when a group joining request sent by a user to be joined into the target group is received, a payment protocol is sent to the user to be joined into the target group, so that the user to be joined into the target group knows the asset allocation items, and the risks of successive group quitting and the phenomenon that the user complains that the assets are frozen and the like caused by the fact that the user joins the group without knowing the asset allocation items are effectively avoided.

Further, for the temporary group, the account information of the user to be added into the target group and the group identifier of the target group are subjected to association recording to obtain association recording information, and a data basis is provided for determining the user participating in payment in the target group when the payment request is received. Specifically, the step B includes:

and acquiring the associated account information from the associated record information according to the group identifier of the target group, and taking the user corresponding to the acquired account information as the user participating in payment in the target group.

Because the temporary group has temporary validity, in order to ensure that the time for destroying the temporary group is accurate, the group creation request may further include the valid duration of the temporary group, and correspondingly, the method further includes:

and when the existing time length of the target group reaches the effective time length, if the fact that the users participating in payment in the target group have the residual frozen credit assets is determined, releasing the residual frozen credit assets and destroying the target group.

Specifically, on the basis of the group creation operation of the user shown in fig. 4, that is, after the user operates the client thereof, inputs the group name, the asset freezing limit, and selects the temporary group attribute information, the effective duration of the group may be input, and the group creation control is operated to send a group creation request to the asset allocation device; the asset allocation device acquires the effective duration of the target group from the asset allocation request, starts a timer to start timing after the target group is established, and correspondingly stores the acquired effective duration and the generated group identifier; when the timing duration of the timer reaches the stored effective duration, judging whether the credit asset freezing limit stored corresponding to the group identification of the target group currently is zero or not, if so, determining that the user participating in payment in the target group does not have the remaining frozen credit asset, and destroying the target group; if not, determining that the user participating in payment in the target group has the residual frozen credit assets, releasing the residual frozen credit assets and destroying the target group.

The above temporary group related processing mode not only realizes asset allocation based on AA system initiated by a plurality of users temporarily, but also ensures that the storage space of the asset allocation device can be released effectively in time by creating the temporary group and destroying the temporary group in time. For the fixed group, because of its long-term effectiveness, it may add users at any time after the group is created, that is, in one or more embodiments of the present specification, if the attribute information of the group to be created included in the group creation request indicates that the group to be created is the fixed group, the method further includes:

step C1, receiving a group joining request sent by a user to be joined into the target group, wherein the group joining request includes account information of the user to be joined into the target group;

and step C2, adding the users to be added into the target group to the target group, and performing association recording on the account information and the group identification of the target group to obtain association recording information.

Furthermore, because the fixed group can perform asset allocation for many times continuously or discontinuously for a long time, in order to ensure that the credit assets of the user are not occupied when the asset allocation is not performed, in one or more embodiments of the present description, before performing asset allocation each time, the user in the group operates the client thereof to send a payment protocol creation request to the asset allocation device, so that the asset allocation device creates a payment protocol according to the asset freezing quota in the payment protocol request, and further freezes the credit assets of the user participating in payment; based on this, the foregoing step S202 includes:

and receiving a payment agreement establishing request, and acquiring the credit asset freezing limit of the target group in the payment agreement establishing request.

Correspondingly, as shown in fig. 6, the acquiring the signed message of the payment agreement in the foregoing step S304 includes:

step S304-6, the payment agreement is sent to the target group, and the signing information of the payment agreement signed by the user in the target group is obtained; or, the payment protocol is sent to an account corresponding to each account information associated with the group identifier of the target group, and the signing information of the payment protocol signed by the user in the target group in the account of the user is acquired;

step S304-8, the account information of the user signing the payment agreement is marked in the association record information of the group identification and the account information of the target group;

correspondingly, the step B comprises:

and acquiring the associated and marked account information from the associated record information according to the group identifier of the target group, and taking the user corresponding to the acquired account information as the user participating in payment in the target group.

Therefore, before asset allocation is carried out each time, a payment agreement is created, and the user signing the payment agreement is used as a payment participating user to freeze the credit assets of the payment participating user, so that the ordered proceeding of asset allocation is ensured, and the credit assets of the users not participating in payment in the target group are not occupied.

Further, in order to ensure that the frozen credit assets of the users participating in the payment can be released in time after the asset allocation is completed, in one or more embodiments of the present specification, the payment agreement creation request further includes an effective duration of the payment agreement, and correspondingly, after step S302, the method further includes:

starting a timer to start timing, and when the timing duration of the timer reaches the effective duration of the payment protocol, if the user participating in payment in the target group is determined to have the remaining frozen credit assets, releasing the remaining frozen credit assets.

The process of determining that the user participating in payment in the target group has the remaining frozen credit assets can be referred to the related description, and repeated details are not repeated.

On the basis of any of the foregoing embodiments, considering that the consumption amount of the payment request may be larger than the current total amount of the virtual asset, in one or more embodiments of the present specification, before determining the per-capita payment amount according to the total payment amount of the payment request and the number of users participating in payment in the target group in step S206, the method further includes:

if the current total amount of the virtual assets is determined to be smaller than the consumption amount, acquiring the supplementary freezing amount of the target group;

and if the current available quota of the credit assets of the users participating in the payment in the target group is not smaller than the supplementary frozen quota, freezing the credit assets of the users participating in the payment by the supplementary frozen quota.

Specifically, as shown in the schematic diagram of the settlement scenario of the consumption amount shown in fig. 7, taking the group name of the target group as the group 1 as an example, when the user in charge of the fee management settles the consumption amount, the user can operate the client to pay in a code scanning manner, and after the client identifies the two-dimensional code, the user jumps to the payment asset selection interface to display the associated asset information, such as the bank card, the credit card, the virtual asset of the group 1, and the like; after the user selects the virtual resources of the group 1, operating the payment control to send a payment request to the asset allocation device, wherein the payment request comprises the group identification and the payment sum of the group 1; the asset allocation device acquires the current frozen asset limit and the number of users participating in payment according to the group identification, determines the total amount of the virtual assets of the group 1, judges whether the total amount of the virtual assets is not less than the total amount of payment, and sends a balance shortage message to a corresponding client side to prompt the user that the balance of the virtual assets of the group 1 is insufficient if the total amount of the virtual assets is not less than the total amount of payment; when a user operates a client of the user to send a supplementary frozen asset request to an asset allocation device, wherein the supplementary frozen asset request comprises a supplementary frozen quota; and if the asset allocation device determines that the current available quota of the credit assets of the users participating in the payment in the target group is not less than the supplementary frozen quota, the credit assets of the users participating in the payment are frozen by the supplementary frozen quota.

It should be noted that, the user sending the group creation request is used as the group owner of the group, and the user in charge of the fee management may be the group owner of the target group, or the user who participates in payment and is designated by the group owner of the target group, or any user who participates in payment in the target group; it is further noted that before the credit assets of the users participating in the payment are frozen by the supplementary frozen quota, the method further comprises the following steps: generating a new payment protocol according to the supplementary frozen quota, acquiring signing information of the new payment protocol, and performing the operation of freezing the credit assets of the users participating in the payment by the supplementary frozen quota when acquiring the signing information of all the users participating in the payment; the process of acquiring the signing information can refer to the related description, and repeated details are not repeated.

Further, on the basis of any of the foregoing embodiments, the group owner of the group may operate its payment application to send a destroy group request to the asset allocation device, and correspondingly, the method further includes:

when a group destruction request is received, if it is determined that the user in the group to be destroyed corresponding to the group destruction request has the remaining frozen credit assets, destroying the group to be destroyed and releasing the remaining frozen credit assets.

Specifically, the group destruction request includes a group identifier of the group to be destroyed, the asset allocation device judges whether the credit asset freezing limit stored corresponding to the group identifier of the group to be destroyed currently is zero, if yes, it is determined that the user in the group to be destroyed does not have the remaining frozen credit assets, and the group to be destroyed is destroyed; if not, determining that the user in the group to be destroyed has the remaining frozen credit assets, releasing the remaining frozen credit assets and destroying the group to be destroyed.

Further, on the basis of any of the foregoing embodiments, in consideration of the situation that a user mistakenly joins a group, or for a fixed group of a company team, when the user leaves the job, in order to no longer receive messages in the group, the user in the group can operate his client to send a push-out group request to the asset allocation device to exit the group; correspondingly, the method further comprises the following steps:

when a push-out group request is received, wherein the push-out group request comprises a group identifier of a group to be quitted and account information of a user to be quitted;

if the user is determined not to have the frozen credit assets according to the account information of the user to be quitted, removing the user to be quitted from the group to be quitted, and clearing the associated record information of the group identification of the group to be quitted and the account information of the user to be quitted;

and if the user is determined to have the frozen credit assets according to the account information of the user to be quitted, releasing the frozen credit assets, removing the user to be quitted from the group to be quitted, and clearing the associated record information of the group identification of the group to be quitted and the account information of the user to be quitted.

It should be noted that the method provided by the present specification further supports the AA payment method in the prior art, that is, the user participating in payment can operate the payment application thereof, manually input the information of the account information, the number of users, the total payment amount, and the like of the user participating in payment, and operate the posting control to send a posting request to the asset allocation device; correspondingly, after the credit assets of the users participating in the payment in the target group are frozen according to the credit asset freezing limit in the step S204, the method further includes:

when an account splitting request is received, wherein the account splitting request comprises a total split amount and the number of users participating in payment, and the per-person split amount is determined according to the total split amount and the number of users participating in payment;

the per-capita credit amount is deducted from the frozen credit assets of the users participating in the payment.

In one specific embodiment, the resource is a credit asset and the target group is a temporary group, as shown in fig. 8, the method includes:

step S402, receiving a group creation request, wherein the group creation request comprises an asset freezing limit, attribute information for representing that a group to be created is a temporary group, and group effective duration;

step S404, creating a group and starting a timer to start timing;

step S406, the created group is used as a target group, a group identifier of the target group is generated, and the generated group identifier, the asset freezing limit and the group effective duration are correspondingly stored;

step S408, when a group joining request sent by a user to join the target group is received, wherein the group joining request comprises account information of the user to join the target group, sending a payment protocol to the user to join the target group;

step S410, receiving a signing message sent by a user to be added into a target group, adding the user to be added into the target group, and performing association recording on account information and a group identifier of the target group to obtain association recording information;

step S412, the user added to the target group is used as the user participating in payment in the target group, the credit assets of the user participating in payment are frozen according to the credit asset freezing limit, and the frozen credit assets of the user participating in payment are used as the virtual assets of the target group;

step S414, when receiving a payment request based on the virtual assets of the target group, determining users participating in payment in the target group according to the group identification and the associated record information included in the payment request;

step S416, determining the per-person payment amount according to the payment total amount of the payment request and the determined number of the users participating in the payment in the target group;

step S418, deducting the per-capita payment amount from the frozen credit assets of the users participating in payment in the determined target group; and the number of the first and second groups,

step S420, when the counted time length of the timer reaches the stored group valid time length, if it is determined that the user participating in payment in the target group has the remaining frozen credit assets, releasing the remaining frozen credit assets and destroying the target group.

The specific implementation manner of steps S402 to S420 may refer to the related description, and repeated descriptions are omitted.

In another specific embodiment, the resource is a credit asset and the target group is a fixed group, as shown in fig. 9, the method includes:

step S502, receiving a group creation request, wherein the group creation request comprises group attribute information representing that a group to be created is a fixed group;

step S504, establish the group, and produce the group label of the group;

step S506, receiving a group joining request sent by a user to be joined into a group, wherein the group joining request comprises a group identifier and account information of the user to be joined into the group;

step S508, adding the user to be added into the group to the group corresponding to the group mark included in the group adding request, and performing association recording on the account information and the group mark to obtain association recording information;

step S510, when a payment agreement establishment request is received, taking a group corresponding to a group identifier included in the payment agreement establishment request as a target group, and acquiring a credit asset freezing limit of the target group and an effective duration of a payment agreement in the payment agreement establishment request;

step S512, correspondingly storing the group identification of the target group, the credit asset freezing limit and the effective duration of the payment protocol;

step S514, generating a payment protocol according to the acquired asset freezing quota, and starting a timer to start timing;

step S516, sending the payment protocol to the target group, and acquiring the signing information of the payment protocol signed by the user in the target group; or, the payment protocol is sent to an account corresponding to each account information associated with the group identifier of the target group, and the signing information of the payment protocol signed by the user in the target group in the account of the user is acquired;

step S518, the account information of the user signing the payment agreement is marked in the associated record information of the group mark and the account information of the target group;

step S520, the user signing the payment agreement is used as the user participating in the payment, the credit assets of the user participating in the payment are frozen according to the obtained credit asset freezing limit, and the frozen credit assets of the user participating in the payment are used as the virtual assets of the target group;

step S522, when a payment request based on the virtual assets of the target group is received, according to the group identification of the target group included in the payment request, marked account information is acquired in the corresponding associated record information, and a user corresponding to the acquired account information is determined as a user participating in payment in the target group;

step S524, determining the per-person payment amount according to the payment sum of the payment request and the determined number of the users participating in the payment in the target group;

step S526, deducting the per-capita payment amount from the frozen credit assets of the users participating in payment in the determined target group; and the number of the first and second groups,

step S528, when the counted time length of the timer reaches the valid time length of the saved payment agreement, if it is determined that the user participating in payment in the target group has the remaining frozen credit assets, releasing the remaining frozen credit assets.

The specific implementation manner of steps S502 to S528 can refer to the related description, and repeated descriptions are omitted.

Therefore, the credit assets of the users participating in payment in the target group are frozen and serve as the virtual assets of the target group, the per-capita payment amount is automatically determined based on the payment request of the virtual assets, and asset allocation is carried out without manual operation of the users, so that the convenience of asset allocation is improved, and the risk of asset allocation error caused by calculation error or manual operation error of the users is avoided.

Based on the same technical concept, one or more embodiments of the present disclosure further provide a resource allocating apparatus corresponding to the resource allocating method described in fig. 2. Fig. 10 is a schematic diagram illustrating a module composition of a resource allocation apparatus according to one or more embodiments of the present disclosure, the apparatus being configured to perform the resource allocation method described in fig. 2, as shown in fig. 10, the apparatus including:

a first determining module 601, which determines the resource freezing limit of the target group;

a freezing module 602, configured to freeze resources of users participating in resource allocation in the target group according to the resource freezing quota, and use the frozen resources of the users participating in resource allocation as allocable resources of the target group;

a second determining module 603, configured to determine, when receiving a deployment request for deploying the deployable resources of the target group, a numerical value of resources required to be deployed by a user participating in resource deployment in the target group according to the deployment request;

and a resource allocation module 604, configured to allocate the frozen resources of the users participating in resource allocation in the target group according to the determined numerical value.

In one or more embodiments of the present disclosure, resources of users participating in resource allocation in a target group are frozen in advance and used as allocable resources of the target group, so as to automatically allocate resources based on an allocation request of the allocable resources without manual operation of the user, which not only improves convenience of resource allocation, but also avoids a risk of misallocation of resources due to a user calculation error or a manual operation error.

Optionally, the freezing module 602 freezes the resource held by the user participating in resource allocation with the resource freezing quota if it is determined that the user in the target group holds the resource and the current allocable quota of the resource held by the user participating in resource allocation is not less than the resource freezing quota.

Optionally, the allocation request includes a total amount of resource allocation and a group identifier of the target group;

correspondingly, the second determining module 603 determines the number of users participating in resource allocation in the target group according to the group identifier of the target group; and the number of the first and second groups,

determining the numerical value of the resources required to be allocated by the users participating in resource allocation in the target group according to the total resource allocation amount and the determined number of the users participating in resource allocation in the target group;

the resource allocation module 604 subtracts the numerical resource from the frozen resource of the user participating in resource allocation in the determined target group.

The resource allocation device provided in one or more embodiments of the present specification freezes resources of users participating in resource allocation in the target group, and uses the resources as allocable resources of the target group, so as to automatically allocate resources based on an allocation request of the allocable resources, without requiring a user to perform calculation and manual operation, thereby not only improving convenience of resource allocation, but also avoiding a risk of misallocation of resources due to a user calculation error or a manual operation error.

It should be noted that the embodiment related to the resource allocation apparatus in the description and the embodiment related to the resource allocation method in the description are based on the same inventive concept, so that the specific implementation of the embodiment may refer to the implementation of the corresponding resource allocation method, and repeated details are not repeated.

Based on the same technical concept, the asset allocation method described in fig. 3, fig. 5 to fig. 6, and fig. 8 to fig. 9 further provides an asset allocation device according to one or more embodiments of the present disclosure. Fig. 11 is a schematic diagram illustrating a module composition of an asset allocation device according to one or more embodiments of the present disclosure, the device being configured to perform the asset allocation method described in fig. 3, fig. 5 to fig. 6, and fig. 8 to fig. 9, and as shown in fig. 11, the device includes:

a first determination module 701 that determines a credit asset freeze limit for a target group;

a freezing module 702, which freezes the credit assets of the users participating in payment in the target group according to the credit asset freezing limit, and takes the frozen credit assets of the users participating in payment as the virtual assets of the target group;

a second determining module 703, when receiving a payment request based on the virtual assets of the target group, determining an amount of per-person payment according to a total payment amount of the payment request and the number of users participating in payment in the target group;

an asset allocation module 704 that deducts the per-capita payment amount from the frozen credit assets of the users participating in the target group.

In one or more embodiments of the present specification, credit assets of users participating in payment in a target group are frozen in advance and serve as virtual assets of the target group, and a per-capita payment amount is automatically determined based on a payment request of the virtual resources, so that average payment in an AA system is realized without calculation and manual operation by the users, which not only improves convenience of asset allocation, but also avoids a risk of asset allocation error caused by a user calculation error or a manual operation error.

Optionally, the apparatus further comprises: the group creating module and the group destroying module;

the group creating module receives a group creating request, creates a group according to the group creating request, and generates a group identifier of the created group;

the payment request includes a group identifier of the target group, and the second determining module 703 further determines the user participating in payment in the target group according to the group identifier of the target group;

the asset allocation module 704 deducting the per-capita payment amount from the frozen credit assets of the payment-participating users of the determined target group;

the group destroying module is used for releasing the remaining frozen credit assets and destroying the group to be destroyed if the fact that the user in the group to be destroyed corresponding to the group destroying request has the remaining frozen credit assets is determined when the group destroying request is received.

Optionally, before the second determining module 703 determines the per-capita payment amount according to the total payment amount of the payment request and the number of the users participating in payment in the target group, the asset allocation module 704 obtains the supplementary frozen amount of the target group if it is determined that the current total amount of the virtual asset is smaller than the total payment amount; and the number of the first and second groups,

and if the current available quota of the credit assets of the users participating in the payment in the target group is not smaller than the supplementary frozen quota, freezing the credit assets of the users participating in the payment by using the supplementary frozen quota.

Optionally, the apparatus further comprises: the device comprises a generating module and an obtaining module;

the generating module generates a payment protocol according to the credit asset freezing limit before the freezing module freezes the credit assets of the users participating in payment in the group according to the credit asset freezing limit;

the acquisition module acquires the signing message of the payment agreement and determines the user signing the payment agreement as the user participating in payment in the target group.

Optionally, the group creation request includes attribute information of a group to be created;

if the attribute information indicates that the group to be created is a temporary group, the first determining module 701 obtains a credit asset freezing limit of a target group in the group creation request;

if the attribute information indicates that the group to be created is a fixed group, the first determining module 701 receives a payment protocol creation request, and acquires a credit asset freezing limit of a target group in the payment protocol creation request.

Optionally, the attribute information represents that the group to be created is a temporary group, and the obtaining module sends the payment protocol to the user to be added to the target group when receiving a group addition request sent by the user to be added to the target group, where the group addition request includes account information of the user to be added to the target group; and the number of the first and second groups,

receiving a signing message sent by the user to be added into the target group, adding the user to be added into the target group to the target group, and performing association recording on the account information and the group identifier of the target group to obtain association recording information;

the second determining module 703 acquires the associated account information from the associated record information according to the group identifier of the target group, and takes the user corresponding to the acquired account information as the user participating in payment in the target group.

Optionally, the attribute information represents that the group to be created is a fixed group, and the apparatus further includes: a group joining module;

the group joining module is used for receiving a group joining request sent by a user to be joined into a target group, wherein the group joining request comprises account information of the user to be joined into the target group; and the number of the first and second groups,

adding the user to be added into the target group to the target group, and performing association recording on the account information and the group identifier of the target group to obtain association recording information;

the acquisition module is used for sending the payment protocol to the target group and acquiring signing information of the payment protocol signed by the user in the target group; or, the payment agreement is sent to an account corresponding to each account information associated with the group identifier of the target group, and the signing information of the payment agreement is signed in the account of the user in the target group; and marking account information of the user who signs the payment agreement in the associated record information;

the second determining module 703 is configured to obtain the marked account information from the associated record information according to the group identifier of the target group, and use the user corresponding to the obtained account information as the user participating in payment in the target group.

The asset allocation device provided in one or more embodiments of the present specification automatically determines the per-person payment amount based on the payment request of the virtual asset and allocates assets by freezing the credit assets of the users participating in payment in the target group and using the frozen credit assets as the virtual assets of the target group, without requiring manual operation of the users, thereby not only improving convenience of asset allocation, but also avoiding a risk of incorrect allocation of assets due to user calculation errors or manual operation errors.

It should be noted that the embodiment of the resource allocation apparatus in this specification and the embodiment of the resource allocation method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to the implementation of the corresponding resource allocation method, and repeated details are not described herein.

Further, based on the same technical concept, corresponding to the method shown in fig. 2, one or more embodiments of the present specification further provide a resource allocation apparatus for performing the resource allocation method, as shown in fig. 12.

Resource deployment apparatuses may vary significantly in configuration or performance, and may include one or more processors 801 and memory 802, where the memory 802 may store one or more stored applications or data. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a resource deployment device. Still further, the processor 801 may be configured to communicate with the memory 802 to execute a series of computer-executable instructions in the memory 802 on the resource provisioning device. The resource deployment apparatus may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input-output interfaces 805, one or more keyboards 806, and the like.

In one particular embodiment, a resource deployment apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource deployment apparatus, and the one or more programs configured for execution by the one or more processors include computer-executable instructions for:

determining a resource freezing limit of the target group;

In one or more embodiments of the present disclosure, resources of users participating in resource allocation in a target group are frozen and used as allocable resources of the target group, so as to automatically allocate resources based on an allocation request of the allocable resources, without requiring calculation and manual operation by a user, thereby not only improving convenience of resource allocation, but also avoiding a risk of resource misallocation caused by a calculation error or a manual operation error of the user.

Optionally, when executed, the computer-executable instructions perform freezing processing on the resource of the user participating in resource allocation in the target group according to the resource freezing quota, where the freezing processing includes:

Optionally, when executed, the scheduling request comprises a total number of resource scheduling and a group identification of the target group; the determining, according to the allocation request, a value of a resource to be allocated by a user participating in resource allocation in the target group includes:

determining users participating in resource allocation in the target group according to the group identification of the target group;

the allocating the frozen resources of the users participating in resource allocation in the target group comprises: deducting the numerical resource from the frozen resource of the user participating in resource allocation in the determined target group.

It should be noted that the embodiment of the resource allocation device in this specification and the embodiment of the resource allocation method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the corresponding resource allocation method, and repeated details are not described again.

Further, in correspondence with the methods shown in fig. 3, fig. 5 to fig. 6, and fig. 8 to fig. 9, based on the same technical concept, one or more embodiments of the present specification further provide an asset allocation apparatus for performing the asset allocation method, as shown in fig. 13.

Asset allocation devices may vary widely depending on configuration or performance and may include one or more processors 901 and memory 902, where the memory 902 may store one or more stored applications or data. Memory 902 may be, among other things, transient storage or persistent storage. The application stored in memory 902 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in an asset deployment device. Still further, the processor 901 may be configured to communicate with the memory 902 to execute a series of computer-executable instructions in the memory 902 on the asset allocation device. The asset allocation apparatus may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input-output interfaces 905, one or more keyboards 906, and the like.

In one particular embodiment, an asset allocation apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for an asset allocation apparatus, and the one or more programs configured to be executed by one or more processors comprise computer-executable instructions for:

determining a credit asset freezing limit of the target group;

In one or more embodiments of the present disclosure, credit assets of users participating in payment in a target group are frozen in advance and serve as virtual assets of the target group, and a per-capita payment amount is automatically determined based on a payment request of the virtual resource and asset allocation is performed without calculation and manual operation by the user, so that convenience of asset allocation is improved, and a risk of asset allocation error caused by a user calculation error or a manual operation error is avoided.

Optionally, the computer executable instructions, when executed, further comprise, before the obtaining the credit asset freezing limit of the target group:

receiving a group creation request, creating a group according to the group creation request, and generating a group identifier of the created group;

the payment request comprises a group identifier of the target group, and before determining the per-person payment amount according to the total payment amount of the payment request and the number of users participating in payment in the target group, the method further comprises the following steps:

determining users participating in payment in the target group according to the group identification of the target group;

the deducting the per-person payment amount from the frozen credit assets of the users participating in the payment from the target group, comprising:

deducting the per-person payment amount from the frozen credit assets of the payment-participating users of the determined target group;

the method further comprises the following steps:

when a group destruction request is received, if it is determined that the user in the group to be destroyed corresponding to the group destruction request has the remaining frozen credit assets, releasing the remaining frozen credit assets and destroying the group to be destroyed.

Optionally, the computer executable instructions, when executed, further comprise, prior to determining a per-person payment amount based on the total payment amount of the payment request and the number of users participating in the payment in the target group:

if the current total amount of the virtual assets is determined to be smaller than the payment total amount, acquiring a supplementary freezing quota of the target group;

Optionally, when executed, before the freezing the credit assets of the users participating in the payment in the group according to the credit asset freezing quota, the computer-executable instructions further include:

generating a payment protocol according to the credit asset freezing limit;

and acquiring the signing message of the payment agreement, and determining the user signing the payment agreement as the user participating in payment in the target group.

Optionally, the group creation request comprises attribute information of the group to be created when the computer-executable instructions are executed;

if the attribute information represents that the group to be created is a temporary group, the determining of the credit asset freezing limit of the target group comprises the following steps:

acquiring a credit asset freezing limit of a target group in the group creation request;

if the attribute information represents that the group to be created is a fixed group, the determining of the credit asset freezing limit of the target group comprises:

receiving a payment agreement establishing request, and acquiring the credit asset freezing limit of the target group in the payment agreement establishing request.

Optionally, when executed, the attribute information characterizes the group to be created as a temporary group, and the obtaining the signed message of the payment agreement includes:

when a group joining request sent by a user to be joined into a target group is received, wherein the group joining request comprises account information of the user to be joined into the target group, sending the payment protocol to the user to be joined into the target group;

the determining users participating in payment in the target group according to the group identifier of the target group includes:

and acquiring associated account information from the associated record information according to the group identifier of the target group, and taking the user corresponding to the acquired account information as the user participating in payment in the target group.

According to the asset allocation device provided by one or more embodiments of the specification, the credit assets of the users participating in payment in the target group are frozen and serve as the virtual assets of the target group, the per-capita payment amount is automatically determined based on the payment request of the virtual assets, and asset allocation is performed without calculation and manual operation of the users, so that the convenience of asset allocation is improved, and the risk of asset allocation error caused by calculation error or manual operation error of the users is avoided.

It should be noted that the embodiment of the asset allocation device in this specification and the embodiment of the asset allocation method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding asset allocation method, and repeated details are not described again.

Further, based on the same technical concept, corresponding to the method shown in fig. 2, one or more embodiments of the present specification further provide a storage medium for storing computer-executable instructions, where in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and the computer-executable instructions stored in the storage medium, when being executed by a processor, can implement the following processes:

determining a resource freezing limit of the target group;

In one or more embodiments of the present disclosure, resources of users participating in resource allocation in a target group are frozen in advance and used as allocable resources of the target group, so as to automatically allocate resources based on an allocation request of the allocable resources, without requiring calculation and manual operation by a user, thereby not only improving convenience of resource allocation, but also avoiding a risk of resource misallocation caused by a calculation error or a manual operation error of the user.

Optionally, when executed by a processor, the computer-executable instructions stored in the storage medium freeze resources of users participating in resource allocation in the target group according to the resource freeze quota, where the freezing includes:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, cause the provisioning request to include a resource provisioning total and a group identification of the target group; the determining, according to the allocation request, a value of a resource to be allocated by a user participating in resource allocation in the target group includes:

When executed by a processor, the computer-executable instructions stored in the storage medium provided in one or more embodiments of the present specification perform resource allocation automatically based on an allocation request of an allocable resource by freezing resources of users participating in resource allocation in a target group and using the frozen resources as allocable resources of the target group, without requiring the users to perform calculation and manual operation, thereby not only improving convenience of resource allocation, but also avoiding a risk of resource misallocation caused by a user calculation error or a manual operation error.

It should be noted that the embodiment related to the storage medium in this specification and the embodiment related to the resource allocation method in this specification are based on the same inventive concept, so that the specific implementation of this embodiment may refer to the implementation of the foregoing corresponding resource allocation method, and repeated details are not described again.

Further, in correspondence with the methods shown in fig. 3, fig. 5 to fig. 6, and fig. 8 to fig. 9, based on the same technical concept, one or more embodiments of the present specification further provides a storage medium for storing computer-executable instructions, where in a specific embodiment, the storage medium may be a usb disk, an optical disk, a hard disk, and the like, and the storage medium stores computer-executable instructions, which when executed by a processor, can implement the following processes:

determining a credit asset freezing limit of the target group;

In one or more embodiments of the present disclosure, credit assets of users participating in payment in a target group are frozen and used as virtual assets of the target group, and a per-capita payment amount is automatically determined based on a payment request of the virtual resource and asset allocation is performed without calculation and manual operation by the user, so that convenience of asset allocation is improved, and a risk of asset allocation error caused by a calculation error or a manual operation error is avoided.

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, before the obtaining the credit asset freezing limit of the target group:

the method further comprises the following steps:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, further comprise, prior to determining a per-person payment amount based on the total payment amount of the payment request and the number of users participating in the payment in the target group:

Optionally, the storage medium stores computer-executable instructions, which when executed by the processor, further include, before freezing the credit assets of the users participating in the payment in the group according to the credit asset freezing limit:

generating a payment protocol according to the credit asset freezing limit;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, the group creation request includes attribute information of a group to be created;

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, characterize the group to be created as a temporary group, and the obtaining the signed message of the payment agreement includes:

Optionally, the storage medium stores computer-executable instructions that, when executed by the processor, characterize the group to be created as a fixed group, and the method further comprises:

receiving a group joining request sent by a user to be joined into a target group, wherein the group joining request comprises account information of the user to be joined into the target group;

the acquiring the signed message of the payment agreement comprises:

sending the payment protocol to the target group, and acquiring signing information of the user in the target group signing the payment protocol in the target group; or, the payment agreement is sent to an account corresponding to each account information associated with the group identifier of the target group, and the signing information of the payment agreement is signed in the account of the user in the target group;

marking account information of the user who signs the payment agreement in the associated record information;

and acquiring marked account information in the associated record information according to the group identifier of the target group, and taking the user corresponding to the acquired account information as the user participating in payment in the target group.

When executed by a processor, the computer-executable instructions stored in the storage medium provided in one or more embodiments of the present specification automatically determine the per-capita payment amount based on the payment request of the virtual asset and perform asset allocation by freezing the credit assets of the users participating in payment in the target group and using the frozen credit assets as the virtual assets of the target group, without requiring the users to perform calculation and manual operation, thereby not only improving the convenience of asset allocation, but also avoiding the risk of asset allocation errors caused by user calculation errors or manual operation errors.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the asset allocation method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding asset allocation method, and repeated details are not described again.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may 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 may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

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

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description 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 description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing 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 a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

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

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

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

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

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A resource allocation method comprises the following steps:

determining a resource freezing limit of the target group;

2. The method of claim 1, wherein the freezing the resources of the users participating in resource allocation in the target group according to the resource freezing quota comprises:

3. The method of claim 1, the provisioning request comprising a total number of resource deployments and a group identification of the target group; the determining, according to the allocation request, a value of a resource to be allocated by a user participating in resource allocation in the target group includes:

4. An asset allocation method comprising:

determining a credit asset freezing limit of the target group;

5. The method of claim 4, before obtaining the credit asset freezing limit of the target group, further comprising:

the method further comprises the following steps:

6. The method of claim 4 or 5, further comprising, prior to determining a per-person payment amount based on the total payment amount of the payment request and the number of users participating in the target group for payment:

7. The method of claim 5, before freezing the credit assets of the users participating in the payment in the group according to the credit asset freezing amount, further comprising:

generating a payment protocol according to the credit asset freezing limit;

8. The method of claim 7, the group creation request comprising attribute information of a group to be created;

9. The method of claim 8, the attribute information characterizing the group to be created as a temporary group, the obtaining a signed message of the payment agreement comprising:

10. The method of claim 8, the attribute information characterizing the group to be created as a fixed group, the method further comprising:

the acquiring the signed message of the payment agreement comprises:

sending the payment protocol to the target group, and acquiring signing information of the user in the target group signing the payment protocol in the target group; or, the payment agreement is sent to an account corresponding to each account information of the group identification association record of the target group, and the signing information of the payment agreement is signed in the account of the user in the target group;

11. A resource deployment apparatus, comprising:

12. The apparatus of claim 11, wherein the first and second electrodes are disposed in a substantially cylindrical configuration,

and the freezing module is used for freezing the resources held by the users participating in resource allocation in the target group according to the resource freezing quota if the resources held by the users participating in resource allocation in the target group are determined and the current allocable quota of the resources held by the users participating in resource allocation is not less than the resource freezing quota.

13. The apparatus of claim 11 or 12, the provisioning request comprising a total number of resource deployments and a group identification of the target group;

the second determining module is used for determining the number of users participating in resource allocation in the target group according to the group identification of the target group; and the number of the first and second groups,

determining the numerical value of the resources required to be allocated by the users participating in resource allocation in the target group according to the total resource allocation and the number of the users participating in resource allocation;

and the resource allocation module deducts the numerical resource from the frozen resource of the user participating in resource allocation determined by the second determination module.

14. An asset allocation device comprising:

15. The apparatus of claim 14, further comprising: the group creating module and the group destroying module;

the payment request comprises a group identifier of the target group, and the second determining module is also used for determining users participating in payment in the target group according to the group identifier of the target group;

the asset allocation module deducts the per-capita payment amount from the frozen credit assets of the users participating in payment in the determined target group;

16. The apparatus of claim 14 or 15, further comprising: the device comprises a generating module and an obtaining module;

17. A resource deployment apparatus, comprising:

a processor; and the number of the first and second groups,

determining a resource freezing limit of the target group;

18. An asset allocation device comprising:

a processor; and the number of the first and second groups,

determining a credit asset freezing limit of the target group;

19. A storage medium storing computer-executable instructions that when executed implement the following:

determining a resource freezing limit of the target group;

20. A storage medium storing computer-executable instructions that when executed implement the following:

determining a credit asset freezing limit of the target group;