CN111192135A

CN111192135A - Method and device for processing reserved resource application and electronic equipment

Info

Publication number: CN111192135A
Application number: CN201911329980.9A
Authority: CN
Inventors: 张柏峰; 邢吕亮; 吴晓彬
Original assignee: Shanghai Qiyue Information Technology Co Ltd
Current assignee: Shanghai Qiyue Information Technology Co Ltd
Priority date: 2019-12-20
Filing date: 2019-12-20
Publication date: 2020-05-22

Abstract

The invention discloses a method and a device for processing a reserved resource application, wherein the method comprises the following steps: acquiring user information through a client; sending the user information to a user resource prepayment model, and measuring and generating the user prepayment resource information; acquiring the user resource application information before calculating and generating the user prepayment resource information; constructing a resource allocation rule; forming a resource allocation scheme of the user by utilizing the resource allocation rule based on the resource application information of the user and the prepayment resource information generated by measuring and calculating; and processing the user resource application according to the resource allocation scheme. The user is allowed to submit the user resource application information before the user prepayment resource information is calculated and generated, so that the user is prevented from giving up the user resource application in the process of waiting for the user prepayment resource information, the user experience and the resource application will are effectively improved, and the success rate of resource allocation is further improved.

Description

Method and device for processing reserved resource application and electronic equipment

Technical Field

The invention relates to the field of computer information processing, in particular to a method and a device for processing a reserved resource application, electronic equipment and a computer readable medium.

Background

Currently, online financial platforms provide loan services to users. After the user credit granting application is carried out, the risk assessment of the loan user is realized by auditing the related data and certificates uploaded by the user, and then a credit granting result is given, wherein the credit granting result comprises the determination of the loan amount. After the loan amount is determined, the user submits an amount movement application and allocates the amount according to the amount movement application. Because the credit line dynamic support application is allowed to be submitted after the credit line limit is determined, the user needs to wait for the credit granting result, and the condition that the user gives up submitting the credit line dynamic support application is easy to occur, namely the dynamic support willingness of the user is reduced, the user is lost, and the income rate of the financial platform is further influenced.

Disclosure of Invention

In view of the above, the present specification has been developed to provide a method and apparatus for reserved resource application processing that overcomes, or at least partially solves, the above-identified problems.

Additional features and advantages of the present disclosure will be set forth in the detailed description which follows, and in part will be obvious from the description, or may be learned by practice of the present disclosure.

In a first aspect, the present specification provides a method for processing a reserved resource application, comprising:

acquiring user information through a client;

sending the user information to a user resource prepayment model, and measuring and generating the user prepayment resource information;

acquiring the user resource application information before calculating and generating the user prepayment resource information;

constructing a resource allocation rule;

forming a resource allocation scheme of the user by utilizing the resource allocation rule based on the resource application information of the user and the prepayment resource information generated by measuring and calculating;

and processing the user resource application according to the resource allocation scheme.

In an exemplary embodiment of the present disclosure, the resource allocation scheme of the user includes a user resource allocation amount;

the forming of the resource allocation scheme of the user by using the resource allocation rule based on the resource application information of the user and the pre-supportable resource information generated by measurement and calculation comprises the following steps:

and analyzing the user resource application information and the information of the pre-supportable resources to obtain the user resource allocation amount.

In an exemplary embodiment of the present disclosure, the user resource application information includes a resource application amount;

the information of the pre-supportable resources comprises the amount of the pre-supportable resources;

the analyzing the user resource application information and the information of the pre-supportable resource to obtain the allocation amount of the user resource comprises:

if the resource application amount is larger than the amount of the pre-supportable resource, the user resource allocation amount is the amount of the pre-supportable resource;

and if the resource application amount is smaller than the pre-supportable resource amount, the user resource allocation amount is the resource application amount.

In an exemplary embodiment of the present disclosure, the user resource application information further includes a resource returning method and/or a resource returning deadline;

after obtaining the user resource allocation amount, the method further comprises:

judging whether the user resource application information meets the returning condition of the user resource distribution amount;

and if so, executing processing the user resource application according to the resource allocation scheme.

In an exemplary embodiment of the present disclosure, the processing the user resource application according to the resource allocation scheme includes:

comparing whether the resource allocation scheme is consistent with the user resource application information;

if the resource distribution certificate is consistent with the resource distribution certificate, generating a resource distribution certificate;

if not, generating prompt information waiting for confirmation.

In an exemplary embodiment of the present disclosure, after the generating waiting alert information, the method further includes:

acquiring confirmation reply information, wherein the confirmation reply information comprises reply time;

setting a deadline threshold;

and if the reply time is less than the deadline threshold, generating a resource allocation certificate.

In an exemplary embodiment of the disclosure, the generating the resource allocation credential includes:

acquiring resource issuing platform information, wherein the resource issuing platform information comprises available resource amount;

and if the available resource amount is larger than the user resource allocation amount, issuing the user resource allocation amount to the user and generating the resource allocation certificate.

In a second aspect, the present specification provides an apparatus for processing a reserved resource application, comprising:

the user information module is used for acquiring user information through a client;

the resource information module capable of prepayment is used for sending the user information to a user resource prepayment model and measuring and generating the user resource information capable of prepayment;

the resource application information module is used for acquiring the user resource application information before the user prepayment resource information is calculated and generated;

the resource allocation rule module is used for constructing a resource allocation rule;

a resource allocation scheme module, configured to form a resource allocation scheme for the user by using the resource allocation rule based on the resource application information of the user and the pre-supportable resource information generated by measurement and calculation;

and the processing module is used for processing the user resource application according to the resource allocation scheme.

if not, generating prompt information waiting for confirmation.

setting a deadline threshold;

In a third aspect, the present specification provides a server comprising a processor and a memory: the memory is used for storing a program of any one of the methods; the processor is configured to execute the program stored in the memory to implement the steps of any of the methods described above.

In a fourth aspect, the present specification provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor implements the steps of any of the above methods.

According to the resource allocation method and the resource allocation device, the user is allowed to submit the user resource application information before the user prepayment resource information is calculated and generated, the user is prevented from giving up the user resource application in the process of waiting for the user prepayment resource information, the user experience is effectively improved, the resource application will be effectively improved, and the success rate of resource allocation is further improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects obtained more clear, the following will describe in detail the embodiments of the present invention with reference to the accompanying drawings. It should be noted, however, that the drawings described below are only illustrations of exemplary embodiments of the invention, from which other embodiments can be derived by those skilled in the art without inventive faculty.

FIG. 1 is a flow diagram illustrating a method of reservation-based resource application processing in accordance with an exemplary embodiment.

Fig. 2 is a flow chart of user resource allocation scheme determination in the method shown in fig. 1.

Fig. 3 is a flow chart of resource allocation credential generation in the method of fig. 1.

FIG. 4 is a flow diagram of platform issuance of resources in the method of FIG. 1.

Fig. 5 is a block diagram illustrating an apparatus for reserved resource application processing according to another exemplary embodiment.

FIG. 6 is a block diagram illustrating a server in accordance with an example embodiment.

FIG. 7 is a schematic diagram illustrating a computer-readable medium in accordance with an exemplary embodiment.

Detailed Description

Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. The exemplary embodiments, however, may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. The same reference numerals denote the same or similar elements, components, or parts in the drawings, and thus their repetitive description will be omitted.

Features, structures, characteristics or other details described in a particular embodiment do not preclude the fact that the features, structures, characteristics or other details may be combined in a suitable manner in one or more other embodiments in accordance with the technical idea of the invention.

In describing particular embodiments, the present invention has been described with reference to features, structures, characteristics or other details that are within the purview of one skilled in the art to provide a thorough understanding of the embodiments. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific features, structures, characteristics, or other details.

The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.

It will be understood that, although the terms first, second, third, etc. may be used herein to describe various elements, components, or sections, these terms should not be construed as limiting. These phrases are used to distinguish one from another. For example, a first device may also be referred to as a second device without departing from the spirit of the present invention.

The term "and/or" and/or "includes any and all combinations of one or more of the associated listed items.

The invention provides a method for processing reservation-type resource application, which is used for solving the current situation that a user applies for dynamic support after a credit granting result comes out and the willingness of the user is reduced in the prior art, and in order to solve the problems, the general idea of the invention is as follows:

a method of reservation-based resource application processing, comprising:

acquiring user information through a client;

constructing a resource allocation rule;

The method of the embodiment allows the user to submit the user resource application information before calculating and generating the user prepayment resource information, avoids the user from giving up the user resource application in the process of waiting for the user prepayment resource information, effectively improves the user experience, and the resource application will, and further improves the success rate of resource allocation.

The technical solution of the present invention will be described and explained in detail by means of several specific examples.

Referring to fig. 1, a method for processing a reserved resource application includes:

s101: and acquiring user information through the client.

Wherein the user information comprises the identity card number, the physical condition, the work income, the property and the like of the user. The user can fill in user information on an application page displayed by the client, and after an application page submitting instruction is executed, the user information is triggered and acquired, wherein the application page comprises a credit granting application page. The client can be a mobile phone or a computer.

The user information is acquired through the client, and the purpose is to generate corresponding user prepayable resource information according to the user information.

S102: and sending the user information to a user resource prepayment model, and measuring and generating the user prepayment resource information.

The resource information which can be pre-paid by the user comprises resource amount which can be pre-paid, the resource amount which can be pre-paid can be credit line, namely the credit line which can be granted can be analyzed and determined according to the user information filled in on the application page by the user. That is, the user information is sent to the user resource pre-payment model, so that a user pre-payment resource result can be obtained, and the user pre-payment resource result comprises the amount of pre-payment resources.

Specifically, as shown in fig. 2, after the result that the user can prepay resources comes out, it is determined whether the user passes through the resource prepayment result, and if the user passes through the resource prepayment result, the subsequent process is continued, including determining the resource allocation scheme of the user. If not, the subsequent resource application is directly regarded as failure, and the short message prompt can not be sent.

In an embodiment of this specification, the establishing of the user resource budget model includes:

acquiring historical user information, wherein the historical user information comprises information of the historical user and information of pre-supportable resources;

and taking the historical user information as a training sample, and constructing a user resource pre-support model by using a machine learning method.

User pre-paid resource information is generated here for the purpose of analysis together with subsequent user resource application information to determine a user resource allocation scheme.

S103: and acquiring the user resource application information before calculating and generating the user prepayment resource information.

The user resource application information comprises resource application amount, resource returning mode, resource returning time limit, resource usage, resource protocol signing, transaction password verification and the like. The user resource application information can also be obtained through the client, specifically, after the application page submitting instruction is executed on the client, the client displays the user resource application page, namely, the user can fill the user resource application information on the user resource application page, and after the user resource application page submitting instruction is executed, the user resource application information is triggered and obtained. Therefore, in the process of acquiring the user information and generating the user prepayable resource information, the user can submit the user resource application information, the user is prevented from giving up the user resource application in the process of waiting for the user prepayable resource information, and the user experience and the resource application will are effectively improved.

The user resource application information is acquired, and the purpose is to analyze the user resource application information and the user resource prepayment information to determine a user resource allocation scheme.

Before executing step S104 or S105, it is necessary to determine whether the resource application switch is turned on and whether the resource is a specific product. Referring to fig. 2, after the result that the resource can be pre-paid is judged to be passed, firstly, whether the resource application switch is turned on is judged, if so, whether the resource is a target product is judged, and if not, the resource application fails and a corresponding short message is triggered. And in the process of judging whether the resource is the target product, if the resource is the target product, continuing the subsequent flow, and if not, regenerating the emergent user resource application information and recording the incidence relation with the original user resource application information. Judging whether the resource is the target product can be understood as a platform giving the information of the resource which can be pre-paid by the user, and whether the platform is consistent with the platform receiving the information of the resource application of the user.

S104: and constructing a resource allocation rule.

Here, a resource allocation rule is constructed, which aims to establish resource application information and resource information that can be pre-paid for a user, and link the resource application information and the resource information that can be pre-paid for the user with a resource allocation scheme of the user, that is, to determine the resource allocation scheme corresponding to the resource application information and the resource information that can be pre-paid for the user.

S105: and forming a resource allocation scheme of the user by utilizing the resource allocation rule based on the resource application information of the user and the prepayment resource information generated by measuring and calculating.

In the embodiment of the present specification, the resource allocation scheme of the user includes a user resource allocation amount;

In an embodiment of the present specification, the user resource application information includes a resource application amount;

Specifically, as shown in fig. 2, the user resource allocation amount is determined by the size of user resource application information and pre-supportable resource information, if the resource application amount is smaller than the pre-supportable resource amount, the user resource allocation amount is submitted and issued according to the resource application amount, and if the resource application amount is larger than the pre-supportable resource amount, the user resource allocation amount is issued according to the pre-supportable resource amount.

In an embodiment of the present specification, the user resource application information further includes a resource return mode and/or a resource return deadline;

The resource returning method comprises the steps of returning the resources to the user terminal, wherein the returning conditions corresponding to the resource returning mode are waiting for the information, and the returning conditions corresponding to the resource returning period are available periods of the resource allocation amount of the user. Specifically, as shown in fig. 2, after determining the resource allocation amount of the user, firstly checking the resource returning manner, and secondly checking the resource returning time limit, it should be noted that the sequence may be replaced. And when the resource returning mode is verified, if the resource returning mode is waiting for the waiting time and other information, verifying the resource returning time limit. And if the resource returning mode is no waiting for the message, the resource application fails and the sending of the prompt short message is triggered. And when determining whether the resource returning time limit meets the available period number of the user resource allocation amount, if so, processing the user resource application according to the resource allocation scheme. If not, the resource application fails, and the sending of the prompt short message is triggered.

S106: and processing the user resource application according to the resource allocation scheme.

In an embodiment of this specification, the processing the user resource application according to the resource allocation scheme includes:

if not, generating prompt information waiting for confirmation.

Specifically, as shown in fig. 3, the comparing whether the resource allocation scheme is consistent with the user resource application information includes: and judging whether the resource application amount is consistent with the user resource distribution amount or not, and whether the rate when the user resource applies for the information is consistent with the rate when the resource is distributed in the scheme or not, if so, generating a resource distribution certificate, wherein the resource distribution certificate comprises an electronic debit. And if not, generating prompt information waiting for confirmation to inform the user whether to acquire the resource allocation amount according to the resource allocation scheme or not, wherein the prompt information comprises the rate of the resource allocation scheme, the resource allocation amount of the user and the reply time limit.

In this embodiment of the present specification, after the generating the waiting hint information, the method further includes:

setting a deadline threshold;

Specifically, as shown in fig. 3, if the reply time of the user reply message is less than the deadline threshold, the resource allocation credential is generated. And if the reply time of the user reply information exceeds the time limit threshold, the user is considered to cancel the resource application, namely cancel the allocation, and the information reminding is not promoted.

In an embodiment of the present specification, the generating a resource allocation credential includes:

Specifically, as shown in fig. 4, the resource issuing platform includes an original fund side platform, a fund accepting side platform, and a bottom fund side platform, and if the available resource amount of the original fund side platform satisfies the user resource allocation amount, the original fund side platform issues the resource. If the available resource amount of the original fund side platform does not meet the user resource allocation amount, submitting the resource allocation scheme of the user to a signed fund receiving side platform, judging whether the available resource amount of the fund receiving side platform meets the user resource allocation amount, if so, performing resource distribution by the fund receiving side platform, if not, submitting the resource allocation scheme of the user to the bottom-pocketed fund side platform, judging whether the available resource amount of the bottom-pocketed fund side platform meets the user resource allocation amount, if so, performing resource distribution by the bottom-pocketed fund side platform, if not, performing reservation queuing, regularly checking the available condition of the resource distribution platform, then judging whether the waiting time exceeds a deadline which can be 24 hours, if not, performing distribution by the resource distribution platform, and if so, failing to reserve and release, and does not prompt a short message.

As shown in fig. 4, after the availability of the funding party is determined, it is further determined whether the user has moved the resources, if the user has moved the resources, the resource application fails and the short message is not prompted, and if the user has not moved the resources, the user resource allocation amount is issued to the user, and a resource allocation certificate is generated.

The method achieves the following technical effects:

the user resource application information can be acquired in the process of generating the user prepayable resource information according to the user information, namely, the user is allowed to submit before the user prepayable resource information is generated, the user is prevented from giving up the user resource application in the process of waiting for the user prepayable resource information, the user experience and the resource application will are effectively improved, and the success rate of resource allocation is further improved.

Those skilled in the art will appreciate that all or part of the steps to implement the above-described embodiments are implemented as programs (computer programs) executed by a computer data processing apparatus. When the computer program is executed, the method provided by the invention can be realized. Furthermore, the computer program may be stored in a computer readable storage medium, which may be a readable storage medium such as a magnetic disk, an optical disk, a ROM, a RAM, or a storage array composed of a plurality of storage media, such as a magnetic disk or a magnetic tape storage array. The storage medium is not limited to centralized storage, but may be distributed storage, such as cloud storage based on cloud computing.

Embodiments of the apparatus of the present invention are described below, which may be used to perform method embodiments of the present invention. The details described in the device embodiments of the invention should be regarded as complementary to the above-described method embodiments; reference is made to the above-described method embodiments for details not disclosed in the apparatus embodiments of the invention.

As shown in fig. 5, an apparatus for processing a reserved resource application includes:

a user information module 501, configured to obtain user information through a client;

the resource information module 502 is configured to send the user information to a user resource pre-payment model, and calculate and generate the user pre-payment resource information;

a resource application information module 503, configured to obtain the user resource application information before generating the user prepayable resource information by measurement and calculation;

a resource allocation rule module 504, configured to construct a resource allocation rule;

a resource allocation scheme module 505, configured to form a resource allocation scheme for the user by using the resource allocation rule based on the resource application information of the user and the pre-supportable resource information generated by measurement and calculation;

a processing module 506, configured to process the user resource application according to the resource allocation scheme.

if not, generating prompt information waiting for confirmation.

setting a deadline threshold;

Those skilled in the art will appreciate that the modules in the above-described embodiments of the apparatus may be distributed as described in the apparatus, and may be correspondingly modified and distributed in one or more apparatuses other than the above-described embodiments. The modules of the above embodiments may be combined into one module, or further split into multiple sub-modules.

In the following, embodiments of the electronic device of the present invention are described, which may be regarded as specific physical implementations for the above-described embodiments of the method and apparatus of the present invention. Details described in the embodiments of the electronic device of the invention should be considered supplementary to the embodiments of the method or apparatus described above; for details which are not disclosed in embodiments of the electronic device of the invention, reference may be made to the above-described embodiments of the method or the apparatus.

Fig. 6 is a block diagram of an exemplary embodiment of an electronic device according to the present invention. An electronic device 600 according to this embodiment of the invention is described below with reference to fig. 6. The electronic device 600 shown in fig. 6 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. 6, the electronic device 600 is embodied in the form of a general purpose computing device. The components of the electronic device 600 may include, but are not limited to: at least one processing unit 610, at least one storage unit 620, a bus 630 that connects the various system components (including the storage unit 620 and the processing unit 610), a display unit 640, and the like.

Wherein the storage unit stores program code executable by the processing unit 610 to cause the processing unit 610 to perform steps according to various exemplary embodiments of the present invention described in the above-mentioned electronic prescription flow processing method section of the present specification. For example, the processing unit 610 may perform the steps as shown in fig. 1.

The storage unit 620 may include readable media in the form of volatile memory units, such as a random access memory unit (RAM)6201 and/or a cache memory unit 6202, and may further include a read-only memory unit (ROM) 6203.

The memory unit 620 may also include a program/utility 6204 having a set (at least one) of program modules 6205, such program modules 6205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.

Bus 630 may be one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.

The electronic device 600 may also communicate with one or more external devices 700 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 600, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 600 to communicate with one or more other computing devices. Such communication may occur via an input/output (I/O) interface 650. Also, the electronic device 600 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via the network adapter 660. The network adapter 660 may communicate with other modules of the electronic device 600 via the bus 630. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments of the present invention described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to make a computing device (which can be a personal computer, a server, or a network device, etc.) execute the above-mentioned method according to the present invention. The computer program, when executed by a data processing apparatus, enables the computer readable medium to implement the above-described method of the invention, namely: the user is allowed to submit before the user information of the resource which can be pre-paid is generated, the user is prevented from giving up the user resource application in the process of waiting for the user information of the resource which can be pre-paid, and the user experience and the resource application will are effectively improved.

The computer program may be stored on one or more computer readable media. The computer readable medium may be a readable signal medium or a readable storage medium. A 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 (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, 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.

The computer readable storage medium may include a propagated data signal with 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 readable storage medium may also be any readable medium that is not a 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 readable storage medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

In summary, the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that some or all of the functionality of some or all of the components in embodiments in accordance with the invention may be implemented in practice using a general purpose data processing device such as a microprocessor or a Digital Signal Processor (DSP). The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.

While the foregoing embodiments have described the objects, aspects and advantages of the present invention in further detail, it should be understood that the present invention is not inherently related to any particular computer, virtual machine or electronic device, and various general-purpose machines may be used to implement the present invention. The invention is not to be considered as limited to the specific embodiments thereof, but is to be understood as being modified in all respects, all changes and equivalents that come within the spirit and scope of the invention.

Claims

1. A method for processing a reservation-based resource application, comprising:

acquiring user information through a client;

constructing a resource allocation rule;

2. The method of claim 1, comprising:

the resource allocation scheme of the user comprises user resource allocation quantity;

3. The method according to claim 1 or 2, comprising:

the user resource application information comprises resource application amount;

4. A method according to any one of claims 1 to 3, comprising:

the user resource application information also comprises a resource returning mode and/or a resource returning period;

5. The method according to any one of claims 1 to 4, comprising:

the processing the user resource application according to the resource allocation scheme includes:

if not, generating prompt information waiting for confirmation.

6. The method according to any one of claims 1 to 5, comprising:

after the generating of the waiting prompt message, the method further includes:

setting a deadline threshold;

7. The method according to any one of claims 1 to 6, comprising:

the generating resource allocation credentials includes:

8. An apparatus for processing a reservation-based resource application, comprising:

9. An electronic device, comprising:

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

a memory storing computer-executable instructions that, when executed, cause the processor to perform the method of any of claims 1-7.

10. A computer readable storage medium, characterized in that the computer readable storage medium stores one or more programs which, when executed by a processor, implement the method of any of claims 1-7.