CN111612511A

CN111612511A - Resource allocation method and device based on activity task and electronic equipment

Info

Publication number: CN111612511A
Application number: CN202010281902.2A
Authority: CN
Inventors: 陈博; 刘禹彤; 张嘉伟
Original assignee: Shanghai Qiyue Information Technology Co Ltd
Current assignee: Shanghai Qiyue Information Technology Co Ltd
Priority date: 2020-04-11
Filing date: 2020-04-11
Publication date: 2020-09-01

Abstract

The invention provides a resource allocation method, a resource allocation device and electronic equipment based on an activity task, wherein the method comprises the following steps: when receiving confirmation information of participation of a client in sharing activities of an activity page, generating an invitation code and associating the invitation code with a user; generating an invitation URL according to the invitation code, wherein the invitation URL comprises the invitation code and a new user guide page address, and pushing a sharing page to the client, wherein the sharing page is used for guiding the user to send the invitation URL to other users; monitoring an invitation code and page submission information returned by a new user guide page; judging the completion condition of the user to the activity task, and determining a resource allocation strategy according to the completion condition of the user to the activity task; and allocating resources to the users according to the determined resource allocation strategy. The method of the invention can more effectively carry out resource allocation management, reduce the cost of resource allocation and also improve the conversion rate of MGM (Member Get Member).

Description

Resource allocation method and device based on activity task and electronic equipment

Technical Field

The invention relates to the field of computer information processing, in particular to a resource allocation method and device based on an activity task and electronic equipment.

Background

With the continuous development of the internet technology of the mobile terminal, the mobile electronic commerce becomes a new direction of the electronic commerce development, and a merchant sends an electronic coupon (also called an electronic discount coupon) to a consumer by using the internet, so that goods or services can be purchased at a price much lower than usual, and the marketing effect exceeds the traditional advertising mode. In addition, many financial transactions, such as loans, investments, etc., may also be implemented by installing APP applications that support the financial transaction. Typically these APPs will register members and market products by way of the MGM.

The mgm (member get member) service is to bring new members to the enterprise through existing members, and usually in a certain mode or manner, to encourage existing member customers to transfer to introduce new customers. For example, the APP product of enterprise development can carry out user promotion through the mode of promoting the link, and the user accomplishes the registration of APP account through clicking the promotion link to realize the marketing and the customer acquisition of APP product. In fact, this kind of push mode is usually only with APP or certain article of product propelling movement in this APP to other customers, and the propelling movement information is single, leads to the propelling movement success rate low.

However, in the prior art, there are at least the following problems: (1) in the existing marketing method, the conversion rate of the coupons is low, so that resource waste is caused, and after the coupons are issued by merchants, the situation that users take the coupons without consuming the coupons easily occurs due to the limited number of the coupons issued by the merchants, so that the merchants are difficult to master the inventory quantity of commodities. (2) There is no guarantee that the coupon will be available to all potential consumers and the benefit will not be given to the most appropriate person. (3) The existing resource allocation method has low adaptability, small application range and higher allocation cost.

In addition, in the related art, a resource allocation method and apparatus, and a virtual resource allocation and acquisition method are disclosed, wherein the method includes: receiving a resource getting request sent by a user, wherein the getting request comprises current position information of the user and identification information of the resource; acquiring position information of a corresponding merchant according to the identification information; and if the current position information of the user is within a first preset range of the position information of the merchant, receiving a pickup request of the user, and providing resources for the user according to the pickup request. Although the method avoids the situation that coupons and the like are picked up but not used, and ensures that users who really need can enjoy benefits, the method does not combine with effective allocation and management of resources and does not consider the profit maximization of enterprises.

In summary, there is still much room for improvement in resource allocation and management methods, and therefore, there is a need for a more efficient and reasonable resource allocation method.

Disclosure of Invention

In order to solve the above problem, the present invention provides a resource allocation method based on an active task, where the resource allocation method includes: when receiving confirmation information of participation of a client in sharing activities of an activity page, generating an invitation code and associating the invitation code with a user; generating an invitation URL (uniform resource locator) according to the invitation code, wherein the invitation URL comprises the invitation code and a new user guide page address, and pushing a sharing page to the client, wherein the sharing page is used for guiding the user to send the invitation URL to other users; monitoring an invitation code and page submission information returned by a new user guide page, and associating the page submission information with the user according to the invitation code; judging the completion condition of the user to the activity task according to page submission information and activity rules associated with the user, and determining a resource allocation strategy according to the completion condition of the user to the activity task, wherein the resource allocation strategy comprises a resource unfreezing rule corresponding to a specific node; and carrying out resource allocation on the user according to the determined resource allocation strategy.

Preferably, the determining, according to the page submission information and the activity rule associated with the user, the completion condition of the activity task by the user includes: when the page submission information indicates that a predetermined number of new users have completed a particular node of a financial product, determining that the user completed the activity task; the specific node includes node information of registration, completion, credit, debit, withdrawal or repayment of the financial product.

Preferably, the determining a resource allocation policy according to the completion condition of the user on the active task includes: when a new user finishes a specific node of a financial product, allocating a resource quota to the user associated with the new user, unfreezing the resource quota according to a preset resource unfreezing rule, and allocating a specific resource in the unfrozen resource quota.

Preferably, the determining the resource allocation policy according to the completion condition of the user on the active task further includes: when a new user terminates a financial product after completing a particular node of the financial product, reclaiming a particular resource in the unallocated resource quota.

Preferably, the method further comprises the following steps: and judging whether the time for the new user to terminate the financial product is within the preset freezing days, if so, withdrawing the specific resource in the unallocated resource quota.

Preferably, the financial product is a loan product, the resource is cash, the specific node is a debit, and the termination of the financial product is a pre-payment activity.

Preferably, the resource unfreezing rule further includes: determining daily equal-rate withdrawal or non-fixed-rate withdrawal according to the user characteristic data, the borrowing amount and the borrowing days of the new user; in the case of daily non-rated withdrawal, a profit maximization algorithm is determined based on the amount of the debit, the amount of interest, and the amount of the debit reward, and the daily withdrawal amount is calculated using the profit maximization algorithm to calculate the drawable amount.

In addition, the present invention also provides a resource allocation apparatus based on active tasks, the resource allocation apparatus comprising: the receiving and sending module is used for generating an invitation code and associating the invitation code with the user when receiving confirmation information of the client participating in the sharing activity of the activity page; the generation module is used for generating an invitation URL according to the invitation code, the invitation URL comprises the invitation code and a new user guide page address, and pushing a sharing page to the client, wherein the sharing page is used for guiding the user to send the invitation URL to other users; the monitoring module is used for monitoring an invitation code and page submission information returned by a new user guide page and associating the page submission information with the user according to the invitation code; the data processing module is used for judging the completion condition of the user on the activity task according to the page submission information and the activity rule related to the user and determining a resource allocation strategy according to the completion condition of the user on the activity task, wherein the resource allocation strategy comprises a resource unfreezing rule corresponding to a specific node; and the allocation module is used for allocating resources to the users according to the determined resource allocation strategy.

Preferably, the resource allocation apparatus further comprises a judging module, configured to judge that the user completes the activity task when the page submission information indicates that a predetermined number of new users complete a specific node of a financial product; the specific node includes node information of registration, completion, credit, debit, withdrawal or repayment of the financial product.

Preferably, the resource allocation apparatus further includes: when a new user finishes a specific node of a financial product, allocating a resource quota to the user associated with the new user, unfreezing the resource quota according to a preset resource unfreezing rule, and allocating a specific resource in the unfrozen resource quota.

Preferably, the resource allocation apparatus further includes: when a new user terminates a financial product after completing a particular node of the financial product, reclaiming a particular resource in the unallocated resource quota.

Preferably, the resource allocation apparatus further includes: and judging whether the time for the new user to terminate the financial product is within the preset freezing days, if so, withdrawing the specific resource in the unallocated resource quota.

In addition, the present invention also provides an electronic device, wherein the electronic device includes: a processor; and a memory storing computer-executable instructions that, when executed, cause the processor to perform the resource allocation method of the present invention.

Furthermore, the present invention also provides a computer-readable storage medium, wherein the computer-readable storage medium stores one or more programs which, when executed by a processor, implement the resource allocation method of the present invention.

Advantageous effects

Compared with the prior art, the resource allocation method based on the activity task has high adaptability and wide application. In addition, the resource allocation method can avoid cheating behaviors, unreasonable operation behaviors or abnormal operation behaviors while ensuring that the income of enterprises of loan products is larger than the expenditure, can more effectively and safely allocate and manage resources, improves the efficiency of resource allocation, reduces the cost of resource allocation, and also realizes the maximization of the profit of the enterprises; the activity task of the invention can attract the user to complete the invitation activity task, and the marketing method improves the flexibility of the marketing mode, reduces the customer acquisition cost, thereby reducing the marketing cost, simultaneously improving the user registration amount and improving the conversion rate of MGM (MemberGet Member).

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 schematic structural block diagram of an application scenario of the resource allocation method based on active tasks of the present invention.

FIG. 2 is a flowchart of an example of an active task based resource allocation method of the present invention.

FIG. 3 is a diagram of an example of information stored by a server in an application scenario of the resource allocation method based on active tasks of the present invention.

Fig. 4 is a diagram of an example of a resource unfreezing rule in an application scenario of the resource allocation method based on an active task of the present invention.

FIG. 5 is a flow chart of another example of an active task based resource allocation method of the present invention.

Fig. 6 is a schematic block diagram of an example of the active task-based resource allocation apparatus according to embodiment 2 of the present invention.

Fig. 7 is a schematic block diagram of another example of the active task-based resource allocation apparatus according to embodiment 2 of the present invention.

Fig. 8 is a block diagram of an exemplary embodiment of an electronic device according to the present invention.

Fig. 9 is a block diagram of an exemplary embodiment of a computer-readable medium according to the present invention.

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.

In view of the above problems, the present invention provides a resource allocation method based on an active task.

In order that the objects, technical solutions and advantages of the present invention will become more apparent, the present invention will be further described in detail with reference to the accompanying drawings in conjunction with the following specific embodiments.

The invention provides a resource allocation method based on an activity task, and a related device, an electronic device and a recording medium. The resource to be allocated in the present invention is mainly a financial resource such as a coupon, and the type of the coupon includes a discount type, a cash type, a free type, and a payment type, etc. Compared with offline activities (pretty activities such as issuing coupons in stores), online activity tasks usually involve a large number of people and can be more complex in rules. This requires a powerful information processing capability of the business platform, a fast deployment and development of the activity tasks, and an automatic calculation during the activity process for efficient allocation and management of resources. The resource allocation of the invention is essentially to technically improve the processing method of the server and the client so as to automatically calculate the data according to the preset calculation rule, thereby improving the allocation efficiency and the management capability of the resources and promoting the development of the electronic financial business.

Example 1

Hereinafter, an active task-based resource allocation method of the present invention will be described with reference to fig. 1 to 5, the resource allocation method including:

step S101, when receiving confirmation information of the client participating in the sharing activity of the activity page, generating an invitation code and associating the invitation code with the user.

And step S102, generating an invitation URL according to the invitation code, wherein the invitation URL comprises the invitation code and a new user guide page address, and pushing a sharing page to the client, wherein the sharing page is used for guiding the user to send the invitation URL to other users.

Step S103, monitoring an invitation code and page submission information returned by a new user guide page, and associating the page submission information with the user according to the invitation code.

Step S104, judging the completion condition of the user to the activity task according to the page submission information and the activity rule related to the user, and determining a resource allocation strategy according to the completion condition of the user to the activity task, wherein the resource allocation strategy comprises a resource unfreezing rule corresponding to a specific node.

And step S105, performing resource allocation on the user according to the determined resource allocation strategy.

As shown in FIG. 1, the resource allocation method of the present invention includes an interaction between a server and a client based on an active task. As can be seen from fig. 1, the server of the third-party service provides an activity page for the client (i.e., user a), user a returns a participation status to the server, and user a sends an invitation link to the new user, and performs resource allocation according to the relevant information (e.g., whether registration is successful or not, and whether borrowing is available) returned to the server by the new user, in other words, according to the completion condition of completing the activity service by user a, so as to implement more effective resource allocation.

As shown in fig. 2, in step S101, when confirmation information of participation of the client in the sharing activity of the activity page is received, an invitation code is generated and associated with the user.

Specifically, an activity task, for example, an activity task of inviting a new user to register a loan-type product, in which the activity name is an activity of inviting earning cash, is first set, and an activity rule is set for the activity to allocate resources.

Further, the client (for example, the user a) accesses the activity page or is pushed the activity page, and the user a returns the participation state of the user for the activity task to the server by clicking and the like.

In this example, when the server receives confirmation information that the client participates in the sharing activity of the activity page, an invitation code is generated and associated with the user, for example, the invitation code is associated with user identification information of the user, wherein the user identification information is, for example, a user account, a user nickname, and the like.

Next, in step S102, an invitation URL is generated according to the invitation code, where the invitation URL includes the invitation code and a new user guidance page address, and a sharing page is pushed to the client, where the sharing page is used to guide the user to send the invitation URL to another user.

Specifically, the sharing page is used to guide the user to send the invitation URL to other users, in this example, the user a sends the invitation URL to the user B, where the user a is a registered user or a trusted user of the loan product 1, and the user B is an unregistered user of the loan product 1.

In this example, on the sharing page, the user a sends the above-mentioned invitation URL to the user B, where the invitation URL is, for example, http: h/www.xyzabc.com/action/regeist. php? VID 02ox23487eu, where, "? "preceded by the new user guidance page address and VID-followed by the string" 02ox23487eu "as the invitation code.

It should be noted that, in the present example, the invitation code is generated by a server of a third party providing the activity page, but is not limited thereto, and in other examples, the user may obtain the invitation code from the server. The foregoing is illustrative only and is not to be construed as limiting the invention.

For each sharing or sending of the invitation link by each user, an invitation code is generated, and the invitation code is transmitted to a new user or an invited user along with the invitation link, and meanwhile, the server records each invitation code and associated information thereof, specifically referring to the chart 3.

As can be seen from fig. 3, the invitation code associates the information of the user sending the invitation link and the invited user, so that the information data query can be performed in the user database of the server through the invitation code, so as to facilitate data use and subsequent data analysis.

Next, in step S103, an invitation code and page submission information returned by the new user guidance page are monitored, and the page submission information is associated with the user according to the invitation code.

Specifically, the guidance page is, for example, a registration page. Monitoring page operation of a user B, specifically, after receiving an invitation URL sent by a user A, monitoring whether the user B enters a guide page and the operation on the guide page, and returning an invitation code and submission information to a server by the user B, wherein the submission information comprises information such as whether a new user is registered, whether credit is granted, whether a quota is activated, whether borrowing is completed and the like.

Further, the submission information of the guidance page is associated with the new user according to the invitation code.

Next, in step S104, the completion of the activity task by the user is determined according to the page submission information and the activity rule associated with the user, and a resource allocation policy is determined according to the completion of the activity task by the user, where the resource allocation policy includes a resource unfreezing rule corresponding to a specific node.

For example, as shown in fig. 4, an authentication reward associated with completion of registration authentication, a borrowing reward associated with completion of borrowing, and the like. The authentication reward and the borrowing reward can be distributed to the user at one time or can be distributed to the user for multiple times. In the present invention, a rule for realizing such multiple allocation to a user is referred to as a resource unfreezing rule.

Note that the authentication award and the borrowing award include a cash award, a red pack award, a coupon, or the like. The foregoing is described by way of preferred examples only and is not to be construed as limiting the invention.

Specifically, when the page submission information indicates that a predetermined number of new users have completed a particular node of a financial product, the user is judged to have completed the activity task.

In this example, the predetermined number is one new user, but is not limited thereto, and may be two, three, four, or more. The above description is given by way of example only and is not to be construed as limiting the invention, as the adaptation is based on the setting of the actual activity.

Further, the specific node includes node information of registration, completion, credit granting, borrowing, withdrawal or repayment of a financial product, wherein the financial product is a loan-type product, and the specific node is a loan, but the above description is only a preferred example and is not to be construed as limiting the present invention. In other examples, financial products, insurance products, and the like are also included.

In this example, when a new user completes the borrowing of the financial product, a resource quota is allocated to the user associated with the new user, and the resource quota is unfrozen according to a predetermined resource unfreezing rule and a specific resource in the unfrozen resource quota is allocated.

Note that, in this example, the specific resource is cash, but the specific resource is not limited to this and includes a red pack award, a rest-free award, a coupon, and the like.

Next, in step S105, resource allocation is performed on the user according to the determined resource allocation policy.

However, in order to avoid abnormal bill brushing (such as wool party bill brushing) and more effectively perform resource allocation while ensuring that the income of the enterprise of the loan-type products is larger than the expenditure, the invention performs resource allocation through the preset resource unfreezing rule.

As shown in fig. 5, the resource allocation method of the present invention further includes a step S501 of setting a resource unfreezing rule.

In particular, the resource unfreezing rule comprises a preset number of frozen days, including 90 days, 60 days or 30 days, in this example 90 days, see fig. 4.

In this example, the resource quota is unfrozen day by a predetermined number of frozen days and a current time and a particular resource in the unfrozen resource quota is allocated.

Further, when a new user terminates a financial product after completing a particular node of the financial product, a particular resource in the unallocated resource quota is reclaimed.

In this example, the termination of the financial product refers to an advance payment behavior, but the present invention is not limited thereto, and may also mean termination or termination of the financial service in other examples.

Further, whether the time for the new user to terminate the financial product is within the preset freezing days is judged, and if yes, specific resources in the unallocated resource quota are recovered.

In this example, the specific resource is divided into a cashable amount and a frozen intermediate amount based on the number of frozen days, the number of borrowed days, the repayment time, and a resource freezing algorithm, the cashable amount is an amount that can be directly used by the user for cashing, and the frozen intermediate amount is an amount that cannot be directly used by the user for cashing.

And for calculating the withdrawable amount, determining daily equal withdrawal or non-fixed withdrawal according to the user characteristic data, the borrowed amount and the borrowed days of the new user.

In this example, the withdrawal is performed in an equal withdrawal per day, specifically, the drawable amount is equal to the total amount of the particular resource divided by the number of frozen days multiplied by the number of borrowed days. For example, if the total amount of the specific resource is 900 yuan, the number of frozen days is 90 days, and the borrowed money is 10 days, the withdrawal amount is 10 yuan per day, and the withdrawable money is 100 yuan.

The calculation of the amount in the freezing process is divided into two cases of non-advance payment and advance payment.

Specifically, in the case where the new user is not paid in advance, the frozen amount is equal to the total amount of the specific resource minus the cashable amount, wherein the frozen amount is thawed day by equal cashing until the frozen amount becomes zero (in other words, the frozen amount becomes completely the cashable amount, in which case the total amount of the specific resource is equal to the cashable amount).

In the case of an advance payment by a new user, in this case, the payment day is within the number of frozen days, the refund day is taken as a boundary, the withdrawable amount is equal to the total amount of the specific resource divided by the number of frozen days and multiplied by the number of borrowed days (i.e., the number of borrowed days before the payment day), the frozen amount is equal to the total amount of the specific resource minus the withdrawable amount, and the frozen amount becomes the invalidated amount. For example, if the total amount of the specific resource is 900 yuan, the number of frozen days is 90 days, the loan is borrowed for 20 days (two-month loan repayment is agreed), the 30 th day repayment is made, the withdrawal amount is 10 yuan per day, the withdrawal amount on the repayment day is 300 yuan, the frozen middle amount is 600 yuan, and the frozen middle amount becomes the expired amount, in other words, the specific resource in the unallocated resource quota is reclaimed. Therefore, resource allocation is carried out according to the resource unfreezing rule, expenditure of enterprises can be effectively reduced, and cheating behaviors can be effectively avoided.

In another example, in the case of daily non-rated withdrawal, a profit-maximization algorithm is determined based on the amount of the debit, the amount of interest, and the amount of the debit reward, and the daily withdrawal amount is calculated using the profit-maximization algorithm to calculate the drawable amount.

Preferably, the earliest payment time of the financial product is calculated for different user groups according to a profit maximization algorithm to set the earliest payment time.

It should be noted that, in the present example, the financial resource is cash, but is not limited thereto, and in other examples, the financial resource further includes various coupons for marketing financial products or services, and the types of the coupons include a discount type, a cash type, a free form type, a repayment type, and the like.

In addition, for the setting of the resource allocation strategy and the resource unfreezing rule, relevant service personnel can update in real time according to actual needs, and add a new resource unfreezing rule so as to optimize the resource allocation and management capacity of the service platform.

In other examples, the setting of the resource allocation policy further comprises: and based on the participation information of the users and the completion condition of the activity service, distinguishing and identifying the users to be allocated with the resources, and allocating the resources of the users after distinguishing and identifying according to the corresponding resource unfreezing rule.

Preferably, the user characteristic data recorded in the user database of the server is queried based on the invitation code, user classification is performed according to the user characteristic data of each user, and further differentiation identification is performed to set corresponding resource unfreezing rules for different users, and resource allocation is performed according to the corresponding resource unfreezing rules, so that more effective and more reasonable resource allocation can be realized.

Specifically, the user characteristic data includes user basic information including age, sex, income, loan records, credit granting information, motivation information, etc., member attribute information including general members, senior members, etc., member history information including usage rate, number of usage times, usage time, etc., of issued coupons, etc., and the like.

Thus, user classification is performed by distinguishing identification including identification of whether there is a user who is more inclined to advance payment, whether it is more inclined to borrow, or the like.

Preferably, the profit maximization calculation model is constructed by combining the user group information data, the financial product information data and the maximization profit algorithm, for example, by a machine learning method, to determine the maximum profit algorithm of the financial product, and then the resource thawing rules are determined for different user groups based on the maximum profit algorithm, thereby realizing the profit maximization of the financial product enterprise while performing the resource allocation more efficiently and reasonably.

Therefore, by the resource allocation method, the income of enterprises of loan products is guaranteed to be larger than the expenditure, cheating behaviors (such as brushing bills by wool parties) are avoided, the resource allocation is more effectively carried out, and the profit maximization of the enterprises is realized; the flexibility of the marketing mode is improved, the marketing cost is reduced, and the efficiency of resource allocation is improved.

In addition, in other examples, the user's loan product is adjusted to set an earliest payment day, a thaw time (e.g., zero updates per day), for loan products that may be paid ahead of time.

For the specific resources allocated, extraction rules are also included, such as defining the number of extractions per day, the amount of the extraction, the time of submission and the time of effective deposit of the withdrawal application, whether a withdrawal commission is included, and the like.

And further, monitoring the operation of all the users on each page in the time period from the activity task receiving to the resource distribution ending and recording the user behavior information. And under the condition that cheating behaviors, unreasonable operation behaviors or abnormal operation behaviors are monitored, early warning is carried out, and qualification limit identification is carried out to limit the user to participate in the next activity task.

Specifically, for example, when it is monitored that the advanced payment proportion (payment amount/total debit amount) of the invitee in the preset time is larger than the set threshold value, the inviter is automatically added to the blacklist.

Therefore, by the monitoring, cheating behaviors, unreasonable operation behaviors or abnormal operation behaviors can be effectively avoided, and safer resource allocation and management can be realized.

The above-described procedure of the resource allocation method is only for explanation of the present invention, and the order and number of steps are not particularly limited. In addition, the steps in the method can be split into two or three steps, or some steps can be combined into one step, and the steps are adjusted according to practical examples.

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 resource allocation 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.

Example 2

Referring to fig. 6 and 7, the present invention also provides an activity task-based resource allocation apparatus 600, wherein the resource allocation apparatus 600 includes: the receiving and sending module 601, when receiving the confirmation information of the client participating in the sharing activity of the activity page, generates an invitation code and associates the invitation code with the user; a generating module 602, configured to generate an invitation URL according to the invitation code, where the invitation URL includes the invitation code and a new user guidance page address, and push a sharing page to a client, where the sharing page is used to guide a user to send the invitation URL to another user; a monitoring module 603, configured to monitor an invitation code and page submission information returned by a new user guidance page, and associate the page submission information with the user according to the invitation code; a data processing module 604, configured to determine, according to page submission information and an activity rule associated with the user, a completion condition of the user on the activity task, and determine a resource allocation policy according to the completion condition of the user on the activity task, where the resource allocation policy includes a resource unfreezing rule corresponding to a specific node; an allocating module 605, configured to allocate resources to the user according to the determined resource allocation policy.

As shown in fig. 7, the resource allocation apparatus 600 further includes a determining module 701, where the determining module 701 is configured to determine that the user completes the activity task when the page submission information indicates that a predetermined number of new users complete a specific node of a financial product.

Specifically, the specific node includes node information of registration, completion, credit, borrowing, withdrawal or repayment of the financial product.

Preferably, the resource allocation apparatus 600 further comprises: when a new user finishes a specific node of a financial product, allocating a resource quota to the user associated with the new user, unfreezing the resource quota according to a preset resource unfreezing rule, and allocating a specific resource in the unfrozen resource quota.

Preferably, the resource allocation apparatus 600 further comprises: when a new user terminates a financial product after completing a particular node of the financial product, reclaiming a particular resource in the unallocated resource quota.

Preferably, the resource allocation apparatus 600 further comprises: and judging whether the time for the new user to terminate the financial product is within the preset freezing days, if so, withdrawing the specific resource in the unallocated resource quota.

In embodiment 2, the same portions as those in embodiment 1 are not described.

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.

Compared with the prior art, the resource allocation device is particularly suitable for the method of the embodiment 1, and can allocate and manage resources more effectively and more safely, improve the efficiency of resource allocation and reduce the cost of resource allocation. In addition, the activity task of the invention can attract the user to complete the invitation activity task, and the marketing is carried out by the device and the method, so that the flexibility of the marketing mode is improved, the customer acquisition cost is reduced, the marketing cost is reduced, the user registration amount is increased, and the conversion rate of MGM (Member Get Member) is increased.

Example 3

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. 8 is a block diagram of an exemplary embodiment of an electronic device according to the present invention. An electronic apparatus 200 according to this embodiment of the present invention is described below with reference to fig. 8. The electronic device 200 shown in fig. 8 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. 8, the electronic device 200 is embodied in the form of a general purpose computing device. The components of the electronic device 200 may include, but are not limited to: at least one processing unit 210, at least one memory unit 220, a bus 230 connecting different system components (including the memory unit 220 and the processing unit 210), a display unit 240, and the like.

Wherein the storage unit stores program code executable by the processing unit 210 to cause the processing unit 210 to perform steps according to various exemplary embodiments of the present invention described in the above-mentioned electronic device processing method section of the present specification. For example, the processing unit 210 may perform the steps as shown in fig. 2.

The memory unit 220 may include readable media in the form of volatile memory units, such as a random access memory unit (RAM)2201 and/or a cache memory unit 2202, and may further include a read only memory unit (ROM) 2203.

The storage unit 220 may also include a program/utility 2204 having a set (at least one) of program modules 2205, such program modules 2205 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 230 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 200 may also communicate with one or more external devices 300 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 200, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 200 to communicate with one or more other computing devices. Such communication may occur via an input/output (I/O) interface 250. Also, the electronic device 200 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 260. The network adapter 260 may communicate with other modules of the electronic device 200 via the bus 230. 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 200, 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 presented 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 carry out the above-described methods of the invention.

As shown in fig. 9, 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 resource allocation method based on activity tasks is characterized in that the resource allocation method comprises the following steps:

when receiving confirmation information of participation of a client in sharing activities of an activity page, generating an invitation code and associating the invitation code with a user;

generating an invitation URL (uniform resource locator) according to the invitation code, wherein the invitation URL comprises the invitation code and a new user guide page address, and pushing a sharing page to the client, wherein the sharing page is used for guiding the user to send the invitation URL to other users;

monitoring an invitation code and page submission information returned by a new user guide page, and associating the page submission information with the user according to the invitation code;

judging the completion condition of the user to the activity task according to page submission information and activity rules associated with the user, and determining a resource allocation strategy according to the completion condition of the user to the activity task, wherein the resource allocation strategy comprises a resource unfreezing rule corresponding to a specific node;

and carrying out resource allocation on the user according to the determined resource allocation strategy.

2. The method of claim 1, wherein the determining the completion of the activity task by the user according to the page submission information and the activity rule associated with the user comprises:

when the page submission information indicates that a predetermined number of new users have completed a particular node of a financial product, determining that the user completed the activity task;

the specific node includes node information of registration, completion, credit, debit, withdrawal or repayment of the financial product.

3. The method according to any one of claims 1 to 2, wherein the determining a resource allocation policy according to the completion of the active task by the user comprises:

when a new user finishes a specific node of a financial product, allocating a resource quota to the user associated with the new user, unfreezing the resource quota according to a preset resource unfreezing rule, and allocating a specific resource in the unfrozen resource quota.

4. The method according to any of claims 1 to 3, wherein determining the resource allocation policy according to the completion of the active task by the user further comprises: when a new user terminates a financial product after completing a particular node of the financial product, reclaiming a particular resource in the unallocated resource quota.

5. The resource allocation method according to any one of claims 1 to 4, further comprising: and judging whether the time for the new user to terminate the financial product is within the preset freezing days, if so, withdrawing the specific resource in the unallocated resource quota.

6. The method according to any one of claims 1 to 5, wherein the financial product is a lending product, the resource is cash, the specific node is a debit, and the termination of the financial product is an advance payment act.

7. The resource allocation method according to any one of claims 1 to 6, wherein the resource unfreezing rule further comprises:

determining daily equal-rate withdrawal or non-fixed-rate withdrawal according to the user characteristic data, the borrowing amount and the borrowing days of the new user;

in the case of daily non-rated withdrawal, a profit maximization algorithm is determined based on the amount of the debit, the amount of interest, and the amount of the debit reward, and the daily withdrawal amount is calculated using the profit maximization algorithm to calculate the drawable amount.

8. An apparatus for resource allocation based on active tasks, the apparatus comprising:

the receiving and sending module is used for generating an invitation code and associating the invitation code with the user when receiving confirmation information of the client participating in the sharing activity of the activity page;

the generation module is used for generating an invitation URL according to the invitation code, the invitation URL comprises the invitation code and a new user guide page address, and pushing a sharing page to the client, wherein the sharing page is used for guiding the user to send the invitation URL to other users;

the monitoring module is used for monitoring an invitation code and page submission information returned by a new user guide page and associating the page submission information with the user according to the invitation code;

the data processing module is used for judging the completion condition of the user on the activity task according to the page submission information and the activity rule related to the user and determining a resource allocation strategy according to the completion condition of the user on the activity task, wherein the resource allocation strategy comprises a resource unfreezing rule corresponding to a specific node;

and the allocation module is used for allocating resources to the users according to the determined resource allocation strategy.

9. An electronic device, wherein the electronic device comprises:

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 resource allocation method of any one of claims 1 to 7.

10. A computer readable storage medium, wherein the computer readable storage medium stores one or more programs which, when executed by a processor, implement the resource allocation method of any one of claims 1 to 7.