CN111179054A

CN111179054A - Request information processing method, server, client and system

Info

Publication number: CN111179054A
Application number: CN201911310815.9A
Authority: CN
Inventors: 章晨; 林慕颐; 杨佳; 马宝华
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp
Priority date: 2019-12-18
Filing date: 2019-12-18
Publication date: 2020-05-19

Abstract

The invention discloses a request information processing method, a server, a client and a system, and relates to the technical field of computers. One embodiment of the method comprises: receiving a first request sent by a credit user, wherein the first request indicates a first reserved amount and information of the credit user; determining the proportion allocation limit and the credit line of the credit user according to the information of the credit user; generating a first processing result according to the proportion distribution amount, the credit line and the first reservation amount, wherein the first processing result comprises a first session examination and approval amount which is not higher than the first reservation amount; and sending the first processing result to the credit granting user. The implementation mode realizes electronic application and approval, and can effectively reduce application and approval costs.

Description

Request information processing method, server, client and system

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a method, a server, a client, and a system for processing request information.

Background

Liquidity risk management and control, such as settlement account overdraft business management in bank industry business and the like, are very urgent pain point requirements of current middle and small business banks and are one of ways for preventing systematic financial risks.

At present, the settlement account overdraft business management in the bank industry business mainly adopts an offline fund application process.

In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:

in the existing offline fund application process, most business application personnel need to queue up for transaction, so that the consumption of time and personnel cost is high.

Disclosure of Invention

In view of this, embodiments of the present invention provide a request information processing method, a server, and a system, which implement electronic application and approval, and can effectively reduce application and approval costs.

In order to achieve the above object, according to an aspect of the embodiments of the present invention, there is provided a request information processing method applied to a server, including:

receiving a first request sent by a credit user, wherein the first request indicates a first reserved amount and information of the credit user;

determining the proportion allocation limit and the credit line of the credit user according to the information of the credit user;

generating a first processing result according to the proportion distribution amount, the credit line and the first reservation amount, wherein the first processing result comprises a first session examination and approval amount which is not higher than the first reservation amount;

and sending the first processing result to the credit granting user.

Preferably, the first and second electrodes are formed of a metal,

determining the proportion allocation limit of the credit user, comprising the following steps:

determining the total deposit day and the fund pool amount;

searching account basic data of the credit user according to the information of the credit user;

calculating the deposit daily average amount of the credit user according to the account basic data;

and calculating the proportion allocation limit of the credit user according to the deposit daily average limit, the total deposit daily average and the fund pool limit.

Preferably, the first and second electrodes are formed of a metal,

when the operation indication aiming at the first processing result is received to ensure that the trusted user successfully draws the first session approval amount,

the request information processing method further comprises the following steps:

receiving a second request sent by the credit granting user;

sending a second request to the authorized examining and approving user, wherein the second request indicates the second reserved amount and the information of the credit granting user;

and obtaining a second processing result aiming at the second request given by the authorized approval user, and sending the second processing result to the corresponding credit granting user.

Preferably, the first and second electrodes are formed of a metal,

before receiving the second request sent by the trusted user, the method further comprises the following steps:

when the first session approval amount is less than the first reserved amount,

generating a judgment item aiming at the second request, and sending the judgment item to the credit granting user;

receiving a second request sent by the credit granting user, wherein the second request comprises:

and receiving the determination operation of the trust user on the judgment item, and indicating the trust user to initiate a second request by the determination operation.

Preferably, the first and second electrodes are formed of a metal,

two time periods are set for each reservation cycle, a first request permission is set for a first time period of the two time periods, and a second request permission is set for a second time period of the two time periods, wherein the first request permission indicates that the step related to the first request is executed, and the second request permission indicates that the step related to the second request is executed.

Preferably, the first and second electrodes are formed of a metal,

the request information processing method is applied to overdraft business in bank business.

Preferably, the first and second electrodes are formed of a metal,

in a second aspect, an embodiment of the present invention provides a method for processing request information, which is applied to a client, and includes:

acquiring a first request initiated by a credit granting user, and sending the first request to a server, wherein the first request indicates a first reserved amount and information of the credit granting user, so that the server generates a first processing result for the first reserved amount;

and receiving and providing a first processing result corresponding to the first request sent by the server, wherein the first processing result comprises a first session approval amount which is not higher than a first reserved amount.

Preferably, the first and second electrodes are formed of a metal,

after receiving an operation instruction of the credit user on the first processing result and indicating the credit user to draw the first session approval amount,

acquiring a second request initiated by the credit granting user, and sending the second request to the server to trigger the server to send the second request to the authorized examining and approving user, wherein the second request indicates a second reserved amount and information of the credit granting user;

and receiving and providing a second processing result corresponding to the second request sent by the server.

Preferably, the first and second electrodes are formed of a metal,

acquiring a second request initiated by the credit granting user, wherein the second request comprises:

when the first session approval amount is less than the first reserved amount,

providing a judgment item generated by the server and aiming at the second request;

Preferably, the first and second electrodes are formed of a metal,

when the preset examination and approval time period is reached, acquiring a plurality of second requests from the server side, and providing the plurality of second requests to an authorized examination and approval user;

and receiving a second processing result corresponding to each second request determined by the authorized approval user, and sending the second processing result to the server so as to trigger the server to send the second processing result to the credit granting user corresponding to the second request.

Preferably, the first and second electrodes are formed of a metal,

aiming at a first time slot in each reservation period, executing and acquiring a first request initiated by a credit granting user;

and aiming at the second time period in each reservation period, executing and acquiring a second request initiated by the credit granting user.

According to a third aspect of the embodiments of the present invention, there is provided a server for requesting information processing, including: a first interaction unit and a processing unit, wherein,

the first interaction unit is used for receiving first request information sent by a credit granting user, wherein the first request information comprises a first reserved amount and information of the credit granting user;

the processing unit is used for determining the proportion allocation limit and the credit line of the credit user according to the information of the credit user received by the first interaction unit; generating a first processing result according to the proportion distribution amount, the credit line and the first reservation amount, wherein the first processing result comprises a first session examination and approval amount which is not higher than the first reservation amount;

and the first interaction unit is further used for sending the first processing result to the credit granting user.

According to a fourth aspect of the embodiments of the present invention, there is provided a client that requests information processing, including: an acquisition unit and a second interaction unit, wherein,

the acquisition unit is used for acquiring a first request initiated by a credit granting user;

the second interaction unit is used for sending the first request acquired by the acquisition unit to the server, wherein the first request indicates the first reserved amount and the information of the credit granting user so that the server generates a first processing result for the first reserved amount;

and the second interaction unit is further used for receiving a first processing result corresponding to the first request sent by the server, wherein the first processing result comprises a first session approval amount not higher than a first reservation amount.

One embodiment of the above invention has the following advantages or benefits: because the server receives a first request with a first reserved amount, which is initiated by the credit granting user through the client, the server directly generates a first processing result for the first reserved amount, and provides the first processing result to the credit granting user through the client, the credit granting user can operate the first processing result through the client, namely, the credit granting user can directly initiate the request through the client, the server can process the request, electronic application and approval are realized, and the application and approval costs can be effectively reduced.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

fig. 1 is a schematic diagram of a main flow of a request information processing method applied to a server according to an embodiment of the present invention;

fig. 2 is a schematic diagram of a main flow of a request information processing method applied to a server according to another embodiment of the present invention;

fig. 3 is a schematic diagram of a main flow of a request information processing method applied to a server according to another embodiment of the present invention;

fig. 4 is a schematic diagram of a main flow of a request information processing method applied to a client according to one embodiment of the present invention;

fig. 5 is a schematic diagram of a main flow of a request information processing method applied to a client according to another embodiment of the present invention;

FIG. 6 is a diagram illustrating a main flow of requested information processing implemented by a server interacting with a client according to an embodiment of the present invention;

FIG. 7 is a schematic diagram of the main elements of a server according to an embodiment of the invention;

FIG. 8 is a schematic diagram of the main elements of a client according to an embodiment of the invention;

FIG. 9 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

fig. 10 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

A trusted user is a user that is trusted for a certain service. For example, for the credit service, which is a RMB settlement account overdraft service of China financial institution, the credit user is the user who can perform account overdraft in the appointed RMB account and the appointed amount due to objective reasons such as system failure, fund in the way, client securities trading fund exchange, settlement liquidity insufficiency, and the like. The overdraft type can be divided into daytime overdraft and nighttime overdraft, wherein the daytime overdraft is the overdraft which is complemented on the current overdraft day, and the nighttime overdraft is the overdraft which is complemented on the second working day of the overdraft. The money overdraft business of the RMB settlement account of the Chinese financial institution is managed, and the overdraft money is brought into the credit management of the money of the client.

For the credit service, the overdraft amount of the credit user is often relatively large, in order to avoid overdraft of the credit user, the overdraft of the credit user needs to be managed, that is, the credit user needs to initiate an overdraft request, the related auditors audit the overdraft request, and after the audit is passed, the credit user can overdraft. At present, overdraft requests and auditing processes are completed offline, and offline auditing has the problems that auditors cannot comprehensively consider the total amount of a capital pool, the total deposit day and the like in many times, and the offline auditing also invisibly increases the labor cost.

Fig. 1 shows that an embodiment of the present invention provides a method for processing request information, which is applied to a server. As shown in fig. 1, the request information processing method includes:

101: receiving a first request sent by a credit user, wherein the first request indicates a first reserved amount and information of the credit user;

102: determining the proportion allocation limit and the credit line of the credit user according to the information of the credit user;

103: generating a first processing result according to the proportion distribution amount, the credit line and the first reservation amount, wherein the first processing result comprises a first session examination and approval amount which is not higher than the first reservation amount;

104: and sending the first processing result to the credit granting user.

The credit granting user needs to bind a user with a payment account at the server.

The information of the credit user can include any one or more of basic information of the credit user, such as a user name, an account number, an account type, a reserved fund date and the like corresponding to the credit user.

The server can inquire the information related to the information of the credit user in the database according to the information of the credit user, such as the account deposit number, the actual signing days, the account deposit date, the user deposit date, the amount of reservation which can be applied by the user and the like. The account deposit number refers to the daily deposit balance accumulated from the date of the binding payment account (the date of the general binding payment account is not earlier than the signing date) to the batch running date (the date of initiating the first request). The actual contract day number is the number of days accumulated from the contract day (the date registered in the server) to the batch day (the date on which the first request was received). The account deposit date is obtained by dividing the account deposit volume by the actual signing days. The account is the date of depositAre generally calculated after the first request is received on the batch day. The credit dates of the credit users are the sum of the credit dates of all accounts corresponding to the credit users. For example, the credit user has three payment accounts a1, a2 and A3, wherein the deposit days of the payment accounts are J_A1、J_A2、J_A3If the credit date of the credit user is J_A1+J_A2+J_A3。

The first session examination and approval amount is the amount of money which the server side passes for the first request examination and approval, namely the amount of money which can be paid by the credit user after the first request.

The proportion allocation limit refers to the proportion allocation limit in the fund pool allocated to each credit user according to the amount of money in the fund pool, the average deposit date of the credit users and the total deposit date maintained by the server.

Because the server receives a first request with a first reserved amount, which is initiated by the credit granting user through the client, the server directly generates a first processing result for the first reserved amount, and provides the first processing result to the credit granting user through the client, the credit granting user can operate the first processing result through the client, namely, the credit granting user can directly initiate the request through the client, the server can process the request, electronic application and approval are realized, and the application and approval costs can be effectively reduced.

In addition, the server is used for generating the first processing result for the first request and ensuring the accuracy of the first processing result. The server maintains the above-mentioned basic data related to the information of the credit user, such as the number of account deposits (the daily deposit balance accumulated from the date of binding the account (the date of the general binding account is not earlier than the date of signing the contract), the actual number of signing the contract (the number of days accumulated from the date of registering the server to the date of running the contract (the date of receiving the first request)), the average number of account deposits (the number of account deposits divided by the number of account deposits by the actual sign), the average number of user deposits (the number of credit deposits is the sum of all account deposits corresponding to the credit user), and the like, and also maintains parameters related to the reservation of the credit user, such as the amount of the user's application reservation, the amount of the user's application to the credit pool, the amount of the user's reservation, and the amount of the user's occupation of the credit pool, The balance of the user legal account, the maximum available amount of the user, the actual amount of the user, the reserved proportion amount of the user, the actual proportion amount of the user, the recovery proportion amount of the fund pool amount, the date of the use and the maximum available amount of the user. Wherein the content of the first and second substances,

the reserved amount which can be applied by the user is the maximum amount which can be reserved theoretically by the user. In the embodiment of the invention, the server side maintains the amount of the reserved money which can be applied by the user through the following calculation formula (1).

Calculating formula (1):

wherein, K represents the amount of appointment which can be applied by the user; k is a radical of_tThe representation server side applies for the amount of money in a user fund pool distributed for the credit granting user; k is a radical of_fAnd characterizing the balance of the legal account of the trusted user.

The user can apply for the reserved amount through the calculation formula (1), on one hand, excessive overdraft of the credit granting user can be avoided, and on the other hand, whether the balance of the legal account of the user is not 0 or not, each credit granting user is guaranteed to have the applicable reserved amount, support for the credit granting user is achieved, and the credit granting user is guaranteed to have the applicable reserved amount.

The applicable amount of the user fund pool distributed by the service terminal for the credit granting user can be maintained through the following calculation formula (2).

Calculating formula (2):

k_t＝min(k_s，k_p)

wherein k is_tThe representation server side applies for the amount of money in a user fund pool distributed for the credit granting user; k is a radical of_sRepresenting a user credit line distributed by a server for a credit user; k is a radical of_pRepresenting the proportion distribution amount of a capital pool distributed by the server for the credit user; wherein, the user is granted credit line k_sIs that the server or the examining and approving personnel pass the examinationA fixed permeable limit is given by the conditions of deposit, payment and the like of the credit user in a period of time; k is a radical of_pThe allocation amount of the accounting ratio in the fund pool allocated to each credit user can be maintained by the following calculation formula (3) for the server according to the amount of money in the fund pool, the average deposit date of the credit user and the total deposit date of the financial institution maintained by the server.

Calculation formula (3):

wherein k is_pRepresenting the proportion distribution amount of a capital pool distributed by the server for the credit user; w is a_sThe deposit dates of the credit users are represented; w is a_zRepresenting the total deposit days maintained by the server; e characterizes the total amount in the fund pool.

The total deposit days maintained by the server side mean the total deposit days received by a financial institution; the deposit date of the credit user refers to the daily average deposit of all the payment accounts bound by the credit user.

Capital pool proportion amount k distributed by server side for credit granting user_pThe proportion amount of the fund pool can ensure that each credit user can obtain a certain overdraft amount when applying for overdraft, and the amount of money in the fund pool cannot be overdraft by only a plurality of credit users.

The method and the device realize the allocation of the reserved amount of the fund pool for the credit user according to the repayment capacity of the credit user (namely, the more the credit days of the credit user, the stronger the repayment capacity of the credit user), and can effectively reduce the probability of bad account generation.

In addition, the user reservation amount maintained by the server is the amount of money input by the credit user contained in the first request or the second request sent by the client, namely the first reservation amount included in the first request or the second reservation amount included in the second request, the user reservation amount is maintained at the server to be not more than the amount of money which can be applied by the user, the sum of the first reservation amount and the second reservation amount is not more than the amount of money which can be applied by the user, and once the user reservation amount is more than the amount of money which can be applied by the user and the amount of money input by the credit user contained in the first request or the second request sent by the client, the error application or the unsuccessful application can be directly displayed for the client so as to remind the credit user to refill the amount.

The amount of the fund pool occupied by the user maintained by the server is the sum of the user's reserved amount minus the balance of the user's legal account on the reserved day; the legal account number can use the remaining amount on the reservation day in the balance of the reservation day, namely the legal account overdraft service.

The maximum user available amount maintained by the server is the sum of the amount of the fund pool occupied by the user and the daily balance of the legal account number of the user, wherein when the deposit balance of the payment account is less than 0, the daily balance of the legal account number of the user is 0. Because the balance of the legal account of the user is changed, the maximum available amount of the user cannot be directly equal to the amount of the appointment required by the user, and the maximum available amount of the user is managed.

The actual payment amount of the user maintained by the server is the actual payment input amount of the user, namely the actually input/input payment amount of the credit user when the credit user is paying is not more than the maximum available payment amount of the user.

The amount of the fund pool actually occupied by the user maintained by the server is the result obtained by subtracting the daily balance of the legal account number payment of the credited user from the actual payment amount of the credited user.

The reserved proportion amount of the user maintained by the server is equal to the reserved amount of the user minus the balance of the reserved day of the account number of the user.

The actual proportion amount of the user maintained by the server is equal to the actual payment amount of the user minus the daily balance of the payment of the legal account of the user. And the user server maintains that the reserved proportion amount of the user is more than or equal to the actual proportion amount of the user.

And the fund pool limit recovery ratio limit maintained by the server is the result obtained by subtracting the actual ratio of the user from the reserved ratio of the user. For example, the credit user reserves funds through the service terminal and occupies the fund pool amount. After the application is successful, the equal members are correspondingly deducted to distribute the proportion amount in the fund pool. After the credit user is cleared, the server side can automatically recover the fund allocation proportion limit of the credit user in the fund pool.

The payment date maintained by the server side refers to the date of the credit user paying the reserved amount approved by the examination.

The service end enables the parameters to be mutually supported and restricted by maintaining the parameters related to the appointment of the credit granting user, so that approval and management of overdraft appointment are realized. The maintained parameters related to the subscription of the credit granting user are mutually supported and restricted, the logic is strict, the accuracy of the calculation process of the request information processing can be ensured, and meanwhile, the accuracy of each basic level data can be ensured.

The generation of the first processing result according to the proportion allocation amount, the credit line and the first reservation amount can be realized by two specific embodiments.

The first embodiment: and comparing the proportion distribution amount, the credit line and the difference of the first reserved amount minus the user legal through account reserved day balance, selecting a smaller one according to the comparison result, and adding the smaller one to the user legal through account reserved day balance to obtain the first session approval amount included in the first processing result. That is, the result of min (credit line, proportion distribution line, difference of the first reserved amount minus the reserved day balance of the user legal account) is added with the reserved day balance of the user legal account.

The second embodiment: and comparing the sum of the proportion allocation amount, the user law through account number reservation day balance, the credit line, the user law through account number reservation day balance and the first reservation amount, and selecting the smaller one as the first session approval amount included in the first processing result according to the comparison result. For example, the total deposit date of the server of a financial institution is 1 hundred million, the total amount of the fund pool of the server is 100 hundred million, the legal and transparent service credit limit of the credit user a is 1 hundred million, and the deposit date of the payment account bound by the credit user a at the server of the financial institution is 50 million. Then the credit user A allocates the amount in the fund pool of the service end in proportion:

therefore, the first session approval amount included in the first processing result corresponding to the credit granting user is min (credit granting amount is 1 hundred million + user account number by law and date balance reserved, daily account number allocation amount is 5000 ten thousand + user account number by law and date balance reserved, first reserved amount).

In an embodiment of the present invention, as shown in fig. 2, the specific implementation of determining the proportion allocation amount of the credit user may include:

201: determining the total deposit day and the fund pool amount;

the total deposit date is also the total deposit date maintained by the server, namely the total deposit date of all the payment accounts.

202: searching account basic data of the credit user according to the information of the credit user;

203: calculating the deposit daily average amount of the credit user according to the account basic data;

the average deposit date limit of the credit user can be calculated by dividing the balance in all the payment accounts in a period of time by the number of days in the period of time.

204: and calculating the proportion allocation limit of the credit user according to the deposit daily average limit, the total deposit daily average and the fund pool limit.

The first field examination and approval amount included in the first processing result is related to the fund pool amount, and each credit user can obtain the first field examination and approval amount only by initiating a first request. On one hand, in order to meet the overdraft demand of the credit user as much as possible, on the other hand, the situation that the fund pool has excessive fund residue is avoided and the balance is needed through second-time reservation. Namely, the credit user can further obtain the overdraft requirement through the second request.

The second request is carried out after the credit user draws the first field approval amount, so that the actual payment amount of the credit user can be accurately obtained, and the reasonability of the authorized approval user on the approval of the second request is ensured.

In one embodiment of the invention, when the operation instruction aiming at the first processing result is received, the credit user successfully draws the first session approval amount; as shown in fig. 3, the request information processing method further includes:

301: receiving a second request sent by the credit granting user;

302: sending a second request to the authorized examining and approving user, wherein the second request indicates the second reserved amount and the information of the credit granting user;

303: and obtaining a second processing result aiming at the second request given by the authorized approval user, and sending the second processing result to the corresponding credit granting user.

Namely, the examination and approval of the second request is carried out by an authorized examination and approval user.

In an embodiment of the present invention, before receiving the second request sent by the trusted user, the method may further include: when the first session approval amount is smaller than the first reservation amount, generating a judgment item aiming at the second request, and sending the judgment item to the credit granting user; accordingly, a specific implementation manner of receiving the second request sent by the trusted user may include: and receiving the determination operation of the trust user on the judgment item, and indicating the trust user to initiate a second request by the determination operation. It is achieved that the second request is automatically generated for the trusted user in accordance with the first request. For example, the trusted user a applies for a first session approval amount of 5000 ten thousand after the first request. If the credit user A has an appointment amount larger than 5000 ten thousand, after the credit user finishes 5000 ten thousand fund drawing in the first session, part of the fund larger than 5000 ten thousand enters the fund application of the second session, namely a judgment item is generated for the part of the fund larger than 5000 ten thousand, after the user operates the judgment item, a second request is generated for the user, the credit user can also modify the second appointment amount in the second request, and in a second request period, the second request is sent to the authorized approval user for approval.

In an embodiment of the present invention, the request information processing method further includes: two time periods are set for each reservation cycle, a first request permission is set for a first time period of the two time periods, and a second request permission is set for a second time period of the two time periods, wherein the first request permission indicates that the step related to the first request is executed, and the second request permission indicates that the step related to the second request is executed. Since the second request is initiated on the basis of the first request and the first request will also determine the remaining amount in the fund pool, which will also determine the approval of the second request, the overdraft management is made more reasonable by setting different time periods for different requests.

Fig. 4 is a request information processing method according to an embodiment of the present invention, applied to a client. As shown in fig. 4, the request information processing method includes:

401: acquiring a first request initiated by a credit granting user, and sending the first request to a server, wherein the first request indicates a first reserved amount and information of the credit granting user, so that the server generates a first processing result for the first reserved amount;

402: and receiving and providing a first processing result corresponding to the first request sent by the server, wherein the first processing result comprises a first session approval amount which is not higher than a first reserved amount.

The client can receive an operation instruction of the trust user on the first processing result, and the operation instruction indicates the operation of the trust user on the first processing result.

The operation of the credit user on the first processing result comprises the payment of the first field examination and approval amount included in the first processing result or the refusal/non-payment of the first field examination and approval amount.

In one embodiment of the invention, after the client receives the first processing result of the credit user, the operation is to draw the first session approval amount; accordingly, as shown in fig. 5, the request information processing method may further include:

501: acquiring a second request initiated by the credit granting user, and sending the second request to the server to trigger the server to send the second request to the authorized examining and approving user, wherein the second request indicates a second reserved amount and information of the credit granting user;

502: and receiving and providing a second processing result corresponding to the second request sent by the server.

Namely, the credit granting user can make two requests, and after the credit granting user accepts/draws the first field approval amount, the credit granting user can initiate a second request to obtain more overdraft amount.

In an embodiment of the present invention, a specific implementation manner of obtaining the second request initiated by the trusted user may include: when the first session approval amount is smaller than the first reservation amount, providing a judgment item generated by the server and aiming at the second request; and receiving the determination operation of the trust user on the judgment item, and indicating the trust user to initiate a second request by the determination operation. The first field approval amount obtained after the trust granting user initiates the first request and receives/withdraws the first request can automatically generate a second request for the trust granting user, and the electronization of the request is further improved.

In one embodiment of the present invention, the request information processing method further includes: when the preset examination and approval time period is reached, acquiring a plurality of second requests from the server side, and providing the plurality of second requests to an authorized examination and approval user; and receiving a second processing result corresponding to each second request determined by the authorized approval user, and sending the second processing result to the server so as to trigger the server to send the second processing result to the credit granting user corresponding to the second request. The authorized approval user refers to a bank worker having approval authority for the second request. The request information processing method realizes electronic or on-line examination and approval, namely, the request processing method realized by the client provided by the embodiment of the invention ensures that different users (trusted users/authorized examination and approval users) have different authorities, and different functions are realized through the different authorities.

In an embodiment of the present invention, the request information processing method further includes: aiming at a first time slot in each reservation period, executing and acquiring a first request initiated by a credit granting user; and executing to acquire a second request initiated by the credit granting user aiming at a second time slot in each reservation period. The method and the system realize setting different time periods for different requests, facilitate respective management of the first request and the second request, and better and more reasonably distribute overdraft limit for the credit user.

In an embodiment of the present invention, the request information processing method is applied to overdraft business in bank industry business.

In order to clearly explain the request information processing method, taking the example that the interaction among the trust user client, the server and the authorization approval user client shown in fig. 6 completes the overdraft service in the bank business, the details are that the trust user initiates a request to the server through the client to make an overdraft reservation, and the server and the authorization approval user approve the request of the overdraft reservation through the client.

As shown in fig. 6, the processing of the overdraft reservation request may include the steps of:

601: the server side determines the total deposit date and the fund pool amount;

602: the method comprises the steps that a credit user sends a first request to a server side through a credit user client side;

the credit user is a user registered at the server and capable of transacting credit business. The trust user client is the client after the trust user logs in through the account/user name.

603: the server determines the proportion allocation limit and the credit limit of the credit user for the first request according to the total deposit date, the fund pool limit and the information of the credit user in the first request;

the specific implementation of 603: searching account basic data of the credit user according to the information of the credit user; calculating the deposit daily average amount of the credit user according to the account basic data; and calculating the proportion allocation limit of the credit user according to the deposit daily average limit, the total deposit daily average and the fund pool limit.

604: the server side determines a first session approval amount according to the proportion distribution amount, the credit line and the first reservation amount;

605: the server side sends the first session approval amount to the credit granting user client side;

606: the credit user sends a fund payment application through the credit user client;

and the credit user enters a fund application interface for payment in the client of the credit user, the reservation record which passes the reservation examination and approval or the reservation record which fails to pass the re-check is displayed, and the credit user can check one reservation record which passes the reservation examination and approval to apply for the fund for payment.

The user can confirm or modify the application amount, the application amount is less than or equal to the approved amount, the submission and rechecking button is clicked to initiate the fund application, and the application state is changed into that: and (5) rechecking. And (4) filling the payment amount into the user who is credited with the record passing the reservation examination and approval.

607: the server side marks the fund payment state of the credit granting user as paid payment;

in the process of applying for the reserved funds, if the reserved amount is larger than the reserved amount, a judgment item is generated for the credit user, whether the next fund is used or not or the next fund is used, if the credit user carries out the next fund operation on the judgment item in a check, the next fund is defaulted to the reserved amount-the reserved amount, the next fund can be revised again (only less than or equal to the reserved amount-the reserved amount), a next fund application record is generated, and the reserved fund application state is changed into partial payment.

In addition, in the process of the payment, the manager of the financial institution confirms the record of the payment application, checks the record of the payment application, clicks a rechecking passing button, inserts a CFCA security shield according to the prompt, inputs a password according to the prompt, and if the password verification passes and the next place does not exist, the transfer transaction is carried out, and the fund application state is changed into: and (4) rechecking and passing. In the transfer process: if the transfer is successful, the funds transfer application state becomes: the transfer is successful, and the payment state is modified, if the state of the next place (the reserved amount is fully paid or the credit user does not carry out the next payment) is changed into: already used; if there is a next field then the branching state becomes: some branch of the application. If the transfer fails and the amount of the next appointment payment is available, generating a record of the next appointment payment, wherein the state of the appointment payment is as follows: rechecking and passing; if the click recheck does not pass the button, a page is popped up, the input does not pass the reason, the click is confirmed, and the application state is changed into: the administrator does not check the fund payment, and the credit user can check the record, modify and reapply the record.

The above-mentioned steps 602 to 607 are performed in the first session reservation period. For example, if the payment due date is 2 pm on the third working day after the approval of the reservation, the payment due fund application non-payment record will be cancelled after 2 pm on the third working day after the approval of the reservation, and the state becomes time-out and invalid. After the end of the day, the user applies for the funds for payment, records the application, and directly enters the next fund for payment application record, and the amount of the application only needs to be within the range of the available credit line. On the same payment date, only one request (reservation overdraft request) can be provided, and the second request can be initiated again after the first request is approved and funds are successfully paid.

After the second reservation time period is reached, the following steps are executed to perform overdraft reservation of the second session, and it is worth explaining that the overdraft reservation of the second session can be performed only after the first session reservation is completed and part or all of the reserved money is paid out.

608: the credit user sends a second request to the server side through the second request initiated by the credit user client side;

there are two possible implementations of this step:

the first method is as follows: when the first session approval amount is smaller than the first reservation amount, the server generates a judgment item aiming at the second request; and providing the judgment item to the credit granting user through the client, receiving the determination operation of the credit granting user on the judgment item, and indicating the credit granting user to initiate a second request by the determination operation.

The second method comprises the following steps: the second request is initiated directly through the second request channel. And the credit user enters an appointment management interface and displays the application list details of the next/second appointment. The credit granting user can select the record which is not passed by the rechecking to modify and reinitiate the application; the credit user can initiate a fund payment application to the record passing the examination and approval.

609: when the preset approval time interval is reached, the server side sends a plurality of second requests to the authorized approval user;

610: the authorized examining and approving user examines and approving the second request through the authorized examining and approving user client;

and the peer center authorizes the approval user to click on the menu, enters a peer center approval page and displays a next appointment list.

A certain record is selected, an approver clicks a pass button, and the approval state is changed into approval pass; and the approver clicks the non-passing button to fill in the reason, and the approval state is changed into the non-passing approval state.

611: the authorized examining and approving user sends the second processing result to the server through the authorized examining and approving user client;

612: the server side sends the second processing result to the credit granting user client side;

613: the credit user client initiates a fund application for payment aiming at the second processing result;

614: and the server side marks the fund payment state of the credit user as payment.

The specific implementation process of initiating the first request/the second request by the client side at the credit granting user can be that the credit granting user enters a fund reservation application page provided by the client side, a fund reservation TAB page label is clicked, the service side calculates the maximum reserved amount of the credit granting user, the credit granting user fills in the product type, the payment date, the reserved amount, the remark and the like, the credit granting user clicks a storage button, the reserved record is stored to be submitted, and the credit granting user can modify and delete the record; and clicking a submission button by the credit granting user to generate a first request/a second request for the credit granting user, wherein the fund reservation record enters an approval process and cannot be modified.

It should be noted that, in the above approval process, the requests in the reservation time period (for example, after two pm points of the application date) are sorted in the reverse order of the contribution (for example, the average daily balance) and in the forward order of the reservation time.

In addition, reservation management for non-silver (non-bank type financial institution): and the credit granting user enters a reservation management page of the client, and the client displays a reservation (request initiation) history record list for the credit granting user according to default query conditions. In the function button bar: clicking a newly-added reservation button (a newly-added request), and newly-added reservation (a first request or a second request); selecting a reservation record to be submitted, clicking to modify and modifying reservation information; selecting a reservation record to be submitted, clicking to delete the reservation record, and deleting the application record; selecting an appointment record to be submitted, clicking details, checking detailed information, clicking submission, entering an approval link in the process, after submission and approval, enabling the record not to be modified, deleted and the like, and changing the state into a state to be approved; selecting a reservation record to be examined and approved, clicking the details, checking the detailed information, clicking the revocation, revoking the reservation list, and changing the state into the revocation; selecting a booking record which passes the examination and approval, clicking the detail, checking the detailed information, clicking the revocation, revoking the booking note, changing the state into the revocation, and forbidding the operation of the revocation record.

In the non-silver appointment management, the available credit amount is the amount of the transparent account number; the blue shared overdraft amount is the blue shared overdraft amount of each dealer and financial company member which are maintained in advance, and the blue shared overdraft amounts of non-bank members such as the dealer and the financial company are not included in the total amount of the fund pool. The reservation amount is less than or equal to the available credit amount of the user, the contract amount and the balance of the user legal transparent account. The authorized approval user/non-silver agency may set a expiration date such as 3 weekdays.

In addition, for non-silver (non-bank type financial institution) fund payment application management: and the credit granting user enters a fund application interface of the client to display the record of reserving the to-be-paid fund, and the credit granting user checks one record to apply for the fund payment. The credit user can confirm or modify the amount of the fund payment application, the application amount is less than or equal to the reserved amount, the check-submitting button is clicked to initiate the fund application, and the application state is changed into: and (5) rechecking.

The server side can judge the non-silver users according to the types of the clients, and for the non-silver users, the fund payment application can be directly initiated when the waiting-for-payment date arrives, and the clients can release money after rechecking. The non-banking user funds payment reservation is controlled by the amount of available credit and the amount of platform contract allocation. The non-silver customer overdraft amount is not counted in the total amount of the fund pool. In the fund payment process of the non-silver user, a user manager confirms the record of the fund payment application, checks the application record, clicks a rechecking passing button, inserts a CFCA security shield according to the prompt, inputs a password according to the prompt, performs the transfer transaction if the password verification passes, and changes the fund application state into: and (4) rechecking and transferring.

By the request information processing method, each credit user can apply for funds in the first session. If the fund applied in the first session can not be met, the member can continue to apply the fund after the second session is started, and the credit approval personnel in the second session can approve according to the credit approval personnel and the comprehensive consideration of the residual fund in the fund pool, so that the balance of application and approval is ensured.

To sum up, the method for processing request information provided by the embodiment of the present invention implements overdraft business in bank industry business, which may include: the method comprises the steps that a credit user initiates a first request through a client, the client generates a corresponding first processing result (namely a first reserved amount) for the first request, and the credit user initiates a fund payment request through the client (the fund payment amount in the fund payment request is not larger than the first reserved amount); the fund payment amount in the fund payment request is smaller than the first reserved amount, and the trusted user can continue to initiate the fund payment request through the client so as to pay the remaining amount to be paid; after the credit granting user pays part or all of the reserved amount, a second request can be initiated through the client, the server sends a plurality of received second requests to the authorized examining and approving user at a fixed time so as to be approved by the authorized examining and approving user, and for the approved second requests, the credit granting user can initiate fund payment application again so as to pay part or all of the funds approved by the second request. It should be noted that the authorized approving user may modify the second reserved amount of the second request to more reasonably allocate funds to each trusted user.

Compared with the traditional offline fund reservation or fund payment application process, the scheme provided by the embodiment of the invention effectively reduces the consumption of time and personnel cost caused by unnecessary waiting.

As shown in fig. 7, an embodiment of the present invention provides a server 700 for requesting information processing, where the server 700 for requesting information processing includes: a first interaction unit 701 and a processing unit 702, wherein,

a first interaction unit 701, configured to receive first request information sent by a trusted user, where the first request information includes a first reserved amount and information of the trusted user;

the processing unit 702 is configured to determine a proportion allocation amount and a credit line of the credit subscriber according to the information of the credit subscriber received by the first interaction unit 701; generating a first processing result according to the proportion distribution amount, the credit line and the first reservation amount, wherein the first processing result comprises a first session examination and approval amount which is not higher than the first reservation amount;

the first interaction unit 701 is further configured to send the first processing result to the trust user.

In one embodiment of the invention, the processing unit 702 is configured to determine a total deposit daily average and a fund pool amount; searching account basic data of the credit user according to the information of the credit user; calculating the deposit daily average amount of the credit user according to the account basic data; and calculating the proportion allocation limit of the credit user according to the deposit daily average limit, the total deposit daily average and the fund pool limit.

In an embodiment of the present invention, the first interaction unit 701 is further configured to receive a second request sent by the trusted user after receiving the operation instruction for the first processing result that the trusted user successfully draws the first session approval amount; sending a second request to the authorized examining and approving user, wherein the second request indicates the second reserved amount and the information of the credit granting user; and obtaining a second processing result aiming at the second request given by the authorized approval user, and sending the second processing result to the corresponding credit granting user.

In an embodiment of the present invention, the processing unit 702 is further configured to generate a judgment item for the second request when the first session approval amount is smaller than the first reservation amount;

the first interaction unit 701 is further configured to send the determination item to the trust user; and receiving the determination operation of the trust user on the judgment item, and indicating the trust user to initiate a second request by the determination operation.

As shown in fig. 8, an embodiment of the present invention provides a client 800, where the client 800 includes: an acquisition unit 801 and a second interaction unit 802, wherein,

an obtaining unit 801, configured to obtain a first request initiated by a trusted user;

the second interaction unit 802 is configured to send the first request acquired by the acquisition unit 801 to the server, where the first request indicates a first reserved amount and information of the credit granting user, so that the server generates a first processing result for the first reserved amount;

the second interaction unit 802 is further configured to receive a first processing result corresponding to the first request sent by the server, where the first processing result includes a first session approval amount that is not higher than a first reservation amount.

Fig. 9 shows an exemplary system architecture 900 of a request information processing method or a request information processing client or server to which an embodiment of the present invention can be applied.

As shown in fig. 9, the system architecture 900 may include

end devices

901, 902, 903, a network 904, and a server 905. Network 904 is the medium used to provide communication links between

terminal devices

901, 902, 903 and server 905. Network 904 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may use the

terminal devices

901, 902, 903 to interact with a server 905 over a network 904 to receive or send messages and the like. The

terminal devices

901, 902, 903 may have installed thereon various communication client applications, such as an overdraft business application, a financial application, a web browser application, a search application, an instant messaging tool, a mailbox client, social platform software, etc. (by way of example only).

The

terminal devices

901, 902, 903 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 905 may be a server providing various services, such as a background management server (for example only) providing support for a financial fund application website that a user uses the

terminal devices

901, 902, 903. The background management server may analyze and otherwise process data such as the received overdraft amount request, and feed back a processing result (e.g., an approval amount, which is merely an example) to the terminal device.

It should be noted that the information requesting method provided by the embodiment of the present invention is generally executed by the terminal and the server 905, and accordingly, the client for requesting the information method is generally disposed in the

terminals

901, 902, 903. The server side of the method of requesting information is typically located in server 905.

It should be understood that the number of terminal devices, networks, and servers in fig. 9 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 10, a block diagram of a computer system 1000 suitable for use with a terminal device implementing an embodiment of the invention is shown. The terminal device shown in fig. 10 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 10, the computer system 1000 includes a Central Processing Unit (CPU)1001 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1002 or a program loaded from a storage section 1008 into a Random Access Memory (RAM) 1003. In the RAM 1003, various programs and data necessary for the operation of the system 1000 are also stored. The CPU 1001, ROM 1002, and RAM 1003 are connected to each other via a bus 1004. An input/output (I/O) interface 1005 is also connected to bus 1004.

The following components are connected to the I/O interface 1005: an input section 1006 including a keyboard, a mouse, and the like; an output section 1007 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 1008 including a hard disk and the like; and a communication section 1009 including a network interface card such as a LAN card, a modem, or the like. The communication section 1009 performs communication processing via a network such as the internet. The driver 1010 is also connected to the I/O interface 1005 as necessary. A removable medium 1011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1010 as necessary, so that a computer program read out therefrom is mounted into the storage section 1008 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication part 1009 and/or installed from the removable medium 1011. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 1001.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present invention may be implemented by software or hardware. The described units may also be provided in a processor, and may be described as: a processor includes an acquisition unit, a first interaction unit, and a trigger unit. Where the names of the units in some cases do not constitute a limitation on the units themselves, for example, a trigger unit may also be described as "receiving an external click on the processing result".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: receiving a first request sent by a credit user, wherein the first request indicates a first reserved amount and information of the credit user; determining the proportion allocation limit and the credit line of the credit user according to the information of the credit user; generating a first processing result according to the proportion distribution limit, the credit line and the first reservation overdraft limit, wherein the first processing result comprises a first session approval amount which is not higher than the first reservation limit; and sending the first processing result to the credit granting user.

The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: determining the total deposit day and the fund pool amount; searching account basic data of the credit user according to the information of the credit user; calculating the average deposit date limit of the credit user according to the account basic data; and calculating the proportion allocation limit of the credit user according to the deposit daily average limit, the total deposit daily average and the fund pool limit.

The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: receiving a second request sent by the credit granting user; sending a second request to the authorized examining and approving user, wherein the second request indicates the second reserved amount and the information of the credit granting user; and obtaining a second processing result aiming at the second request given by the authorized approval user, and sending the second processing result to the corresponding credit granting user.

The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: when the first session approval amount is smaller than the first reservation amount, generating a judgment item aiming at the second request, and sending the judgment item to the credit granting user; and receiving the determination operation of the trust user on the judgment item, and indicating the trust user to initiate a second request by the determination operation.

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: acquiring a first request initiated by a credit granting user, and sending the first request to a server, wherein the first request indicates a first reserved amount and information of the credit granting user, so that the server generates a first processing result for the first reserved amount; receiving and providing a first processing result corresponding to a first request sent by a server, wherein the first processing result comprises a first session approval amount which is not higher than a first reserved amount; and receiving an operation instruction for the first processing result, wherein the operation instruction indicates the operation of the trust user on the first processing result.

The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: acquiring a second request initiated by the credit granting user, and sending the second request to the server to trigger the server to send the second request to the authorized examining and approving user, wherein the second request indicates a second reserved amount and information of the credit granting user; and receiving and providing a second processing result corresponding to the second request sent by the server.

The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: when the first session approval amount is smaller than the first reservation amount, providing a judgment item generated by the server and aiming at the second request; and receiving the determination operation of the trust user on the judgment item, and indicating the trust user to initiate a second request by the determination operation.

The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: when the preset examination and approval time period is reached, acquiring a plurality of second requests from the server side, and providing the plurality of second requests to an authorized examination and approval user; and receiving a second processing result corresponding to each second request determined by the authorized approval user, and sending the second processing result to the server so as to trigger the server to send the second processing result to the credit granting user corresponding to the second request.

According to the technical scheme of the embodiment of the invention, the server receives the first request with the first reserved amount, which is initiated by the credit granting user through the client, directly generates the first processing result for the first reserved amount, and provides the first processing result to the credit granting user through the client, the credit granting user can operate the first processing result through the client, namely, the credit granting user can directly initiate the request through the client, and the server can process the request, so that electronic application and approval are realized, and the application and approval cost can be effectively reduced.

According to the technical scheme of the embodiment of the invention, the first session approval amount included in the first processing result is related to the fund pool amount, so that each credit user can obtain the first session approval amount only by initiating the first request. On one hand, in order to meet the overdraft demand of the credit user as much as possible, on the other hand, the situation that the fund pool has excessive fund residue is avoided and the balance is needed through second-time reservation. Namely, the credit user can further obtain the overdraft requirement through the second request.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A request information processing method is applied to a server and comprises the following steps:

receiving a first request sent by a credit granting user, wherein the first request indicates a first reserved amount and information of the credit granting user;

generating a first processing result according to the proportion distribution amount, the credit line and the first reservation amount, wherein the first processing result comprises a first field examination and approval amount which is not higher than the first reservation amount;

and sending the first processing result to the credit granting user.

2. The method for processing request message according to claim 1, wherein the determining the proportion allocation limit of the credit user comprises:

determining the total deposit day and the fund pool amount;

searching account basic data of the credit granting user according to the information of the credit granting user;

calculating the average deposit date limit of the credit user according to the account basic data;

and calculating the proportion allocation limit of the credit granting user according to the deposit date average limit, the total deposit date average and the fund pool limit.

3. The request information processing method according to claim 1,

when the operation indication aiming at the first processing result is received, the trusted user successfully draws the first session examination and approval amount,

receiving a second request sent by the credit granting user;

sending the second request to an authorized examining and approving user, wherein the second request indicates a second reserved amount and the information of the credit granting user;

and acquiring a second processing result aiming at the second request given by the authorized approval user, and sending the second processing result to the corresponding credit granting user.

4. The method for processing request message according to claim 3, further comprising, before the receiving the second request sent by the trusted user:

when the first session approval amount is less than the first reservation amount,

the receiving of the second request sent by the credit granting user includes:

and receiving the determination operation of the credit granting user on the judgment item, wherein the determination operation indicates the credit granting user to initiate the second request.

5. The request information processing method according to claim 3, further comprising:

setting two time periods for each reservation cycle, setting a first request permission for a first time period of the two time periods, and setting a second request permission for a second time period of the two time periods, wherein the first request permission indicates to execute the step related to the first request, and the second request permission indicates to execute the step related to the second request.

6. The request information processing method according to any one of claims 1 to 5, characterized by being applied to overdraft business in banking business.

7. A request information processing method is applied to a client and comprises the following steps:

and receiving and providing a first processing result corresponding to the first request sent by the server, wherein the first processing result comprises a first session approval amount which is not higher than the first reserved amount.

8. The request information processing method according to claim 7, further comprising:

after receiving an operation instruction of the credit granting user on a first processing result and indicating the credit granting user to draw the first session approval amount,

acquiring a second request initiated by the credit granting user, and sending the second request to the server to trigger the server to send the second request to an authorized examining and approving user, wherein the second request indicates a second reserved amount and information of the credit granting user;

9. The method for processing request message according to claim 7, wherein said obtaining the second request initiated by the trusted user comprises:

providing a judgment item generated by the server and aiming at a second request;

10. The request information processing method according to claim 8, further comprising:

when a preset approval time interval is reached, acquiring a plurality of second requests from the server side, and providing the plurality of second requests to the authorized approval user;

and receiving the second processing result corresponding to each second request determined by the authorized approval user, and sending the second processing result to the server, so as to trigger the server to send the second processing result to the credit granting user corresponding to the second request.

11. The request information processing method according to claim 8,

aiming at a first time slot in each reservation period, executing a first request initiated by the user for obtaining the credit;

and executing the second request initiated by the credit granting user aiming at the second time period in each reservation period.

12. A server for requesting information processing, comprising: a first interaction unit and a processing unit, wherein,

the processing unit is used for determining the proportion allocation limit and the credit line of the credit user according to the information of the credit user received by the first interaction unit; generating a first processing result according to the proportion distribution amount, the credit line and the first reservation amount, wherein the first processing result comprises a first field examination and approval amount which is not higher than the first reservation amount;

the first interaction unit is further configured to send the first processing result to the trust user.

13. A client that requests information processing, comprising: an acquisition unit and a second interaction unit, wherein,

the second interaction unit is configured to send the first request acquired by the acquisition unit to a server, where the first request indicates a first reserved amount and information of the credit granting user, so that the server generates a first processing result for the first reserved amount;

the second interaction unit is further configured to receive a first processing result corresponding to the first request sent by the server, where a first session approval amount included in the first processing result is not higher than the first reservation amount.

14. A server for requesting information processing, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-6.

15. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-6.