CN112001595A - Resource splitting method and device - Google Patents
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Abstract
The invention discloses a resource splitting method and a device, comprising the following steps: determining the total quantity of current resources according to received resource transfer information of a first user, wherein the resource transfer information comprises: user identity information; performing risk verification on the first user according to the user identity information to obtain a risk level of the first user; determining a resource splitting mode according to the risk level; and splitting the total amount of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the split resources of different categories have different purposes. The implementation of the invention can realize the visualization of different types of split resources, is convenient for server personnel to count accounts, reduces the manual checking time, can trace to the source and ensures the more detailed display of the income and expenditure of the salary distribution cycle.
Description
Technical Field
The present invention relates to the field of resource splitting technologies, and in particular, to a resource splitting method and apparatus.
Background
With the rapid development of computer and internet technologies, digitization is more popular, but some businesses cannot realize full digitization and also need a great deal of manual labor. For example: in the enterprise salary issuing, the platform can pre-support part of salary for employee salary issuing, but because the platform checks the income and the expenditure after the enterprise pays or the payment amount is lower than the issued salary, the platform does not make risk assessment on the enterprise, and the platform issues the salary and does not receive the enterprise payment.
Therefore, it is urgently needed to provide a technical scheme of a resource splitting method and device, which can reduce the workload of manual auditing during resource checking, make risk assessment for enterprises, avoid bad accounts and ensure reasonable income of a platform.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides a resource splitting method and a resource splitting device, which can reduce the workload of manual auditing during resource checking, make risk assessment on enterprises, avoid bad accounts and ensure reasonable income of a platform.
In order to solve the above technical problem, the present invention provides a resource splitting method, including:
determining the total quantity of current resources according to received resource transfer information of a first user, wherein the resource transfer information comprises: user identity information;
performing risk verification on the first user according to the user identity information to obtain a risk level of the first user;
determining a resource splitting mode according to the risk level;
and splitting the total amount of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the split resources of different categories have different purposes.
In another aspect, the present invention provides a resource splitting apparatus, including:
a current total resource amount determining module, configured to determine a current total resource amount according to received resource transfer information of a first user, where the resource transfer information includes: user identity information;
the risk level determining module is used for performing risk verification on the first user according to the user identity information to obtain a risk level of the first user;
the resource splitting mode determining module is used for determining a resource splitting mode according to the risk level;
and the splitting module is used for splitting the total amount of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the split resources of different categories have different purposes.
In another aspect, the present invention provides an electronic device for splitting resources, including:
a memory for storing a computer program;
a processor, configured to implement the resource splitting method as described above when executing the computer program.
In yet another aspect, the present invention provides a computer-readable storage medium, in which at least one instruction, at least one program, a set of codes, or a set of instructions is stored, which is loaded and executed by a processor to implement the resource splitting method as described above.
The resource splitting method and the resource splitting device provided by the invention have the following beneficial effects:
according to the resource splitting method provided by the invention, the received resource transfer information of the first user is used for carrying out risk verification on the first user, the resource splitting model is determined according to the risk verification, the resource transfer information is split, the split resources of different types are obtained, the visualization of the split resources of different types can be realized, the statistics of accounts by server personnel is facilitated, the manual checking time is reduced, the source tracing can be simultaneously carried out, and the income and expenditure of a salary issuing period can be more detailed shown.
Drawings
In order to more clearly illustrate the technical solution of the present invention, the drawings used in the description of the embodiment or the prior art will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort.
FIG. 1 is a schematic diagram of an implementation environment provided by an embodiment of the invention;
fig. 2 is a schematic flowchart of a resource splitting method according to an embodiment of the present invention;
fig. 3 is a schematic flowchart of another resource splitting method according to an embodiment of the present invention;
fig. 4 is a schematic flowchart of another resource splitting method according to an embodiment of the present invention;
fig. 5 is a schematic flowchart of another resource splitting method according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a resource splitting apparatus according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
810-a current total resource quantity determining module, 820-a risk level determining module, 830-a resource splitting mode determining module and 840-a splitting module.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.
It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, apparatus, article, or device that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or device.
Referring to fig. 1 of the specification, a schematic diagram of an implementation environment provided by an embodiment of the present invention is shown, and as shown in fig. 1, the implementation environment may include at least a user terminal 110 and a server 120.
A client is operated in the user terminal 110. The user terminal 110 may be one or more smart phones, tablet computers, e-book readers, laptop portable computers, desktop computers, and the like. The client can be an application program provided for the user by the service provider, and can also be a webpage provided for the user by the service provider. The server 120 may be a server operating independently, a server cluster composed of a plurality of servers, or a cloud computing service center. The server 120 may include a network communication unit, a processor, a memory, and the like. The server 120 may establish a communication connection with the user terminal 110 through a wireless or wired network. The second server may establish a communication connection with the server 120 and the user terminal 110 through a wireless or wired network.
In the embodiment of the present invention, the client may be any client providing a service for a user. For example, the clients may be payment-type application clients, recruitment-type clients, shopping-type clients, and the like.
As shown in fig. 2, fig. 2 is a schematic flow chart of a resource splitting method according to an embodiment of the present invention, where the present invention provides a resource splitting method, an execution subject of the method is the server, and the method includes:
s102, determining the total amount of the current resources according to the received resource transfer information of the first user, wherein the resource transfer information comprises: user identity information.
In a specific implementation process, the server may receive user input or uploaded resource transfer information of a first user to determine a total amount of current resources, where the first user may be an enterprise corresponding to platform issuance salaries, and the resource transfer information may be sent by the user terminal 110 or input by a platform administrator. The server can determine the total amount of the current resources according to the resource transfer information of the first user.
The resource transfer information may include at least: user identity information, resource transfer amount (e.g., transfer amount). Wherein the user identity information comprises at least one of: the system comprises a transaction account, a user name, a communication address, a contact way, an enterprise number, a terminal number, an enterprise name, a transaction account of an enterprise and the like. It can be understood that, since the present invention requires splitting the resources transferred to the platform from the enterprise resources, the user identity information may necessarily include the name of the enterprise and the transaction account of the enterprise. It will be appreciated that a resource may represent an item or virtual product that represents a value, such as: currency, virtual currency, salaries, and the like.
It is to be understood that the user who inputs or uploads the resource distribution information may not be the same user to which the user identity information corresponds.
Illustratively, after workers of the number a work for one week in an enterprise B (i.e., a first user), the server issues salaries to each worker according to attendance conditions of the workers of the number a, then the enterprise B transfers accounts (i.e., resource transfer information) to a transaction account corresponding to the server, the transfer amount is 10000 yuan, and the server can determine that the total current resource amount of the enterprise B is 10000 yuan.
And S104, performing risk verification on the first user according to the user identity information to obtain the risk grade of the first user.
In a specific implementation process, acquiring registration information of a first user on the server, historical transaction information of the first user in a recent period (within a specified time period), and historical evaluation information, and performing risk verification on the first user according to the registration information of the first user, the historical transaction information within the specified time period, and the historical evaluation information, for example, verifying whether a registration certificate in the registration information of the first user is expired, verifying whether historical overdue transaction exists in the historical transaction information, and verifying whether transfer behavior with a transfer amount lower than a salary payment amount exists in the historical evaluation information. Optionally, risk verification may be performed through a pre-established wind control model, and a risk level of the first user is obtained.
And S106, determining a resource splitting mode according to the risk level.
In a specific implementation process, the server may determine the resource splitting pattern according to the risk level of the first user, and the risk levels of different levels may correspond to different resource splitting patterns, which may be understood that the number of the risk levels and the number of the resource splitting patterns may be the same or different. For example: the first risk level and the second risk level both correspond to the first resource splitting mode, and the third risk level corresponds to the second resource splitting mode. Or the first risk level corresponds to a first resource splitting mode, and the second risk level corresponds to a second resource splitting mode.
And S108, splitting the total quantity of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the split resources of different categories have different purposes.
In a specific implementation process, the server can split the total amount of the current resources according to the determined resource splitting mode, and different split resources are different in category and different in purpose after splitting.
For example, in order to better explain the invention, the embodiment of the present specification takes resources as money as an example, and when the server receives the transfer (resource transfer information) of the enterprise B (first user); the risk verification can be carried out on the enterprise B to obtain the risk level of the enterprise B, when the risk level of the enterprise B is good, the server can split the transfer amount (the total amount of the current resources) into a salary (first split resources) category, a server use (second split resources) category and a server maintenance (third split resources) category.
It will be appreciated that the transaction account may be a bank card, a payment-type account, or the like.
According to the resource splitting method provided by the invention, the received resource transfer information of the first user is used for carrying out risk verification on the first user, the resource splitting model is determined according to the risk verification, the resource transfer information is split, the split resources of different types are obtained, the visualization of the split resources of different types can be realized, the statistics of accounts by server personnel is facilitated, the information is not required to be checked manually, the maintenance cost is reduced, the efficiency of splitting the resources is improved, the timeliness of the resource splitting of the user is ensured, the accuracy of the resource splitting is ensured, the source tracing is realized, and the more detailed visual display of the income and expenditure of the salary issuing period is ensured.
On the basis of the foregoing embodiment, in an embodiment of this specification, fig. 3 is a schematic flowchart of another resource splitting method provided in the embodiment of the present invention, and as shown in fig. 3, in step S104, performing risk verification on the first user according to the user identity information, and obtaining a risk level of the first user includes:
s1042, obtaining historical resource transfer information and historical evaluation information associated with the user identity information.
In a specific implementation process, the server may obtain historical resource transfer information and historical evaluation information associated with the user identity information. The historical resource transfer information can be characterized by transfer details of a corresponding transaction account of the first user to the server recently (within a specified time period) and corresponding transfer time. The historical rating information may be characterized as whether the first user performed the resource transfer action as agreed in the historical resource transfer action.
S1044, determining the risk level of the first user according to the historical resource transfer information, the historical evaluation information and a preset risk level standard.
In a specific implementation process, acquiring registration information of a first user on the server, historical transaction information (historical resource transfer information) of the first user in a recent period (within a specified time period), and historical evaluation information, and performing risk verification on the first user according to the registration information of the first user, the historical transaction information within the specified time period, and the historical evaluation information, for example, verifying whether a registration certificate in the registration information of the first user is expired, verifying whether historical overdue transaction exists in the historical transaction information, and verifying whether transfer behavior with a transfer amount lower than a salary issuance amount exists in the historical evaluation information. Optionally, risk verification may be performed through a pre-established wind control model, and a risk level of the first user is obtained.
According to the resource splitting method provided by the embodiment of the description, risk verification is performed on the registration information, the historical resource transfer information and the historical evaluation information of the first user, the credit degree of the first user can be ensured, bad accounts caused by too low risk level of the first user are avoided, and further loss of a server and a platform is avoided.
On the basis of the foregoing embodiment, in an embodiment of this specification, fig. 4 is a schematic flowchart of a further resource splitting method provided in an embodiment of the present invention, and as shown in fig. 4, the splitting resource category includes: an actual distribution category;
s108, splitting the total amount of the current resource according to the resource splitting mode to obtain split resources of different categories includes:
s1082, acquiring the actual resource distribution quantity in the current period, wherein the actual resource distribution quantity in the current period is determined according to the received action information of a second user and a metering unit corresponding to resource distribution, and the second user is a sub-user of the first user;
in a specific implementation process, the server may obtain an actual amount of the resource to be distributed in the current period, where the actual amount of the resource to be distributed is characterized in that the transaction account corresponding to the server pays the first user the salary of the second user. It can be understood that the actual resource distribution amount in the current period is determined according to the received action information of the second user and the metering unit corresponding to the resource distribution, and the second user is a sub-user of the first user. It is understood that the action information may be characterized as the working condition of the second user at the first user, the second user may be multiple, and each action information of the second user may have a card-punching condition associated with the first user. The length of the current period may be set according to actual needs, and is not specifically limited in the embodiments of the present specification, and is preferably one week or one month.
For example, 20 employees (second users) work in enterprise B (first user) for one week, and each employee (second user) is going to work normally (action information), i.e. no late-to-early-to-back occurs, etc., the daily salary of each employee is 100 yuan, and the actual number of distributed resources in the current week can be calculated to be 20 × 100 — 2000 yuan.
S1084, splitting the resources with the actual distribution resource quantity from the split resources of the to-be-distributed category to the actual distribution category.
In particular implementations, the actual distribution category may be a category that has already issued salaries.
Illustratively, when the first user resource transfer number is 10000, and the actual distribution resource number of the current week is 8000, the server may split the 8000 resources into the actual distribution categories.
According to the resource splitting method provided by the embodiment of the specification, the number of the resources from the actual distribution type to the actual distribution type is determined according to the actual distribution resource number of the current week, the accuracy of resource data is guaranteed, the splitting process is not manually operated, the labor cost is saved, and the resource splitting rationality is also provided.
On the basis of the foregoing embodiment, in an embodiment of this specification, as shown in fig. 5, fig. 5 is a schematic flow diagram of another resource splitting method provided in the embodiment of the present invention, where the method further includes:
s402, judging whether the difference value between the total amount of the current resources and the actual distributed resource amount is larger than a preset resource threshold value or not;
in a specific implementation process, the preset resource threshold is not specifically limited in the embodiments of the present specification, and may be set according to actual needs, and is preferably zero.
And S404, if the difference value is not larger than the preset threshold value, adding the difference value to historical evaluation information for risk verification of the first user in next resource allocation.
Illustratively, the preset resource threshold is set to be zero, when the first user resource transfer quantity is 10000 and the current week actual distributed resource quantity is 12000, the difference value between the two is-2000, and-2000 is added to the historical evaluation information, it can be understood that the lower the value in the historical evaluation information, the lower the risk level of the corresponding risk verification.
According to the resource splitting method provided by the embodiment of the specification, the risk level of the first user is further improved or reduced through the resource splitting process each time, so that the risk verification and the resource splitting form a closed loop, the reasonable resource transfer of the first user can be promoted, the occurrence of bad accounts is reduced, and the accuracy of resource splitting data is ensured.
On the basis of the foregoing embodiment, in an embodiment of this specification, the resource transfer information further includes: transferring the quantity of the resources and the corresponding first time parameter;
s102, the determining the total amount of the current resources according to the received resource transfer information of the first user comprises:
s1022, receiving resource prepayment information and resource transfer information of the first user, where the resource prepayment information includes: user identity information, resource prepayment quantity and a corresponding second time parameter;
in a specific implementation process, the resource prepayment information is resources transferred by a transaction account corresponding to the server by the first user before the current period of salary distribution. It will be appreciated that the resource prepayment information may be prepayment, i.e., a prepayment amount submitted by the first user before the employee goes to the business to which the first user corresponds. The acceptance time of the resource transfer information may be after the resource prepayment information. It will be appreciated that the resource prepayment information and the resource transfer information may each include time information that may reflect a period corresponding to payroll issuance by the second user.
S1024, judging whether the periods of the first time parameter and the second time parameter are the same or not;
in a specific implementation process, both the first time parameter and the second time parameter may be used to determine whether the time period corresponds to the current splitting period.
And S1026, if the total quantity of the current resources is the same as the sum of the prepaid quantity of the resources and the transferred resource quantity.
In a specific implementation process, if the first time parameter and the second time parameter are in the same resource splitting period, the total current resource amount is equal to the sum of the prepaid resource amount and the transferred resource amount.
Illustratively, when the second time parameter of the resource prepayment information is 1/2020, the resource prepayment amount is 2000, the first time parameter corresponding to the resource transfer information is 1/7/2020, and the transfer resource amount is 8000, since the salary issuance of the second user is in a form of a salary, it can be known that the period of the first time parameter is the same as the period of the second time parameter. The total number of current resources can be determined to be 2000+8000 ═ 10000.
The resource splitting method in the embodiment of the description splits the sum of the resource prepayment quantity and the resource transferring quantity of the first user, so that the integrity of the resource of the first user is ensured, and the reduction of the good feeling of the first user caused by splitting the resource transferring quantity only is avoided.
On the basis of the foregoing embodiment, in an embodiment of this specification, the step S102 of determining the total amount of the current resources according to the received resource transfer information of the first user further includes:
receiving resource guarantee information and resource transfer information of a first user, wherein the resource guarantee information comprises: user identity information, resource guarantee quantity and a corresponding third time parameter;
judging whether the periods of the first time parameter and the second time parameter are the same or not;
if the transfer resource quantity is the same as the resource guarantee quantity, judging whether the transfer resource quantity is larger than a preset multiple of the resource guarantee quantity;
and if so, determining that the total quantity of the current resources is equal to the transferred resource quantity, and returning the resource guarantee quantity to a transaction account corresponding to the user identity information.
In a specific implementation process, the resource guarantee information may be represented as a guarantee (i.e., a deposit) set by the server for avoiding the risk of payroll payment, and when it is determined that the period in which the first time parameter is the same as the period in which the second time parameter is located and the transfer resource quantity is greater than a preset multiple of the resource guarantee quantity, the server determines that the current resource total quantity is equal to the transfer resource quantity, and returns the source guarantee quantity to the transaction account corresponding to the user identity information.
The resource splitting method provided in the embodiment of the present specification transfers the resource guarantee amount of the first user back to the transaction account corresponding to the user identity information when it is determined that the transfer resource amount is greater than the resource guarantee amount of the first user, so as to ensure the integrity of the resource of the first user and avoid the decrease of the first user's perception due to the fact that only the transfer resource amount is split.
On the other hand, fig. 6 is a schematic structural diagram of a resource distribution device provided in an embodiment of the present invention, and as shown in fig. 6, the present invention provides a resource splitting device, including:
a total current resource amount determining module 810, configured to determine a total current resource amount according to received resource transfer information of the first user, where the resource transfer information includes: user identity information;
a risk level determining module 820, configured to perform risk verification on the first user according to the user identity information, to obtain a risk level of the first user;
a resource splitting mode determining module 830, configured to determine a resource splitting mode according to the risk level;
the splitting module 840 is configured to split the total amount of the current resources according to the resource splitting mode to obtain split resources of different categories, where the split resources of different categories have different uses.
On the basis of the above embodiment, in an embodiment of the present specification, the risk level determining module 820 includes:
the information acquisition unit is used for acquiring historical resource transfer information and historical evaluation information which are associated with the user identity information;
and the risk level determining unit is used for determining the risk level of the first user according to the historical resource transfer information, the historical evaluation information and a preset risk level standard.
On the basis of the foregoing embodiments, in an embodiment of the present specification, the splitting module 840 includes:
the resource distribution unit is used for acquiring the actual resource distribution quantity in the current period, wherein the actual resource distribution quantity in the current period is determined according to the received action information of a second user and a metering unit corresponding to the resource distribution, and the second user is a sub-user of the first user;
and the actual distribution type determining unit is used for splitting the resources with the actual distribution resource quantity from the split resources of the to-be-distributed type to the actual distribution type.
On the basis of the above embodiments, in an embodiment of the present specification, the method further includes:
the first judgment module is used for judging whether the difference value between the total quantity of the current resources and the quantity of the actually distributed resources is larger than a preset resource threshold value or not;
and the historical evaluation information adding module is used for adding the difference value of the historical evaluation information and the historical evaluation information if the difference value is not greater than the preset threshold value, and is used for risk verification of the first user in the next resource allocation.
On the basis of the above embodiment, in an embodiment of the present specification, the current total resource amount determining module 810 includes:
a receiving unit, configured to receive resource prepayment information and resource transfer information of a first user, where the resource prepayment information includes: user identity information, resource prepayment quantity and a corresponding second time parameter;
the first judging unit is used for judging whether the periods of the first time parameter and the second time parameter are the same or not;
and the current total resource quantity determining unit is used for determining that the current total resource quantity is equal to the sum of the prepaid resource quantity and the transferred resource quantity if the current total resource quantity is the same as the prepaid resource quantity.
On the basis of the above embodiment, in an embodiment of the present specification, the current total resource amount determining module 810 includes:
the receiving unit is further configured to receive resource guarantee information and resource transfer information of the first user, where the resource guarantee information includes: user identity information, resource guarantee quantity and a corresponding third time parameter;
the first judging unit is also used for judging whether the periods of the first time parameter and the second time parameter are the same or not;
a second judging unit, configured to judge whether the number of the transferred resources is greater than a preset multiple of the number of the resource guarantees if the number of the transferred resources is the same;
and if the total quantity of the current resources is larger than the transfer resource quantity, determining that the total quantity of the current resources is equal to the transfer resource quantity, and returning the resource guarantee quantity to the transaction account corresponding to the user identity information.
Since the technical effects of the resource distribution device and the resource splitting method are the same, they are not described herein again.
On the other hand, fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present invention, as shown in fig. 7, the electronic device includes a processor and a memory, where the memory stores at least one instruction, at least one program, a code set, or an instruction set, and the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement any one of the payroll reimbursement methods described above.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The implementation principle and the generated technical effect of the testing method provided by the embodiment of the invention are the same as those of the system embodiment, and for the sake of brief description, the corresponding contents in the system embodiment can be referred to where the method embodiment is not mentioned.
In the several embodiments provided in the present application, it should be understood that the disclosed system and method may be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The above functions, if implemented in the form of software functional units and sold or used as a separate product, may be stored in a computer-readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the above claims.
Claims (10)
1. A resource splitting method is characterized by comprising the following steps:
determining the total quantity of current resources according to received resource transfer information of a first user, wherein the resource transfer information comprises: user identity information;
performing risk verification on the first user according to the user identity information to obtain a risk level of the first user;
determining a resource splitting mode according to the risk level;
and splitting the total amount of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the split resources of different categories have different purposes.
2. The resource splitting method according to claim 1, wherein the performing risk verification on the first user according to the user identity information, and obtaining the risk level of the first user comprises:
acquiring historical resource transfer information and historical evaluation information associated with the user identity information;
and determining the risk level of the first user according to the historical resource transfer information, the historical evaluation information and a preset risk level standard.
3. The resource splitting method according to claim 1, wherein the splitting of the resource category comprises: an actual distribution category;
splitting the total amount of the current resources according to the resource splitting mode to obtain split resources of different categories includes:
acquiring the actual resource distribution quantity in the current period, wherein the actual resource distribution quantity in the current period is determined according to the received action information of a second user and a metering unit corresponding to the resource distribution, and the second user is a sub-user of the first user;
and splitting the resources with the actual distribution resource quantity from the split resources of the to-be-distributed category to the actual distribution category.
4. The method of resource splitting according to claim 3, further comprising:
judging whether the difference value between the total amount of the current resources and the actual distributed resource amount is greater than a preset resource threshold value or not;
and if the difference value is not greater than the preset threshold value, adding the difference value to historical evaluation information for risk verification of the first user in the next resource allocation.
5. The resource splitting method according to claim 4, wherein the resource transfer information further comprises: transferring the quantity of the resources and the corresponding first time parameter;
the determining the total amount of the current resources according to the received resource transfer information of the first user includes:
receiving resource prepayment information and resource transfer information for a first user, the resource prepayment information comprising: user identity information, resource prepayment quantity and a corresponding second time parameter;
judging whether the periods of the first time parameter and the second time parameter are the same or not;
if the total quantity of the current resources is the same as the sum of the prepaid quantity of the resources and the quantity of the transferred resources.
6. The method of claim 5, wherein the determining the total current amount of resources according to the received resource transfer information of the first user further comprises:
receiving resource guarantee information and resource transfer information of a first user, wherein the resource guarantee information comprises: user identity information, resource guarantee quantity and a corresponding third time parameter;
judging whether the periods of the first time parameter and the second time parameter are the same or not;
if the transfer resource quantity is the same as the resource guarantee quantity, judging whether the transfer resource quantity is larger than a preset multiple of the resource guarantee quantity;
and if so, determining that the total quantity of the current resources is equal to the transferred resource quantity, and returning the resource guarantee quantity to a transaction account corresponding to the user identity information.
7. The resource splitting method according to claim 1,
the user identity information comprises at least one of: transaction account, user name, communication address, and contact.
8. A resource splitting apparatus, comprising:
a total current resource amount determining module (810) configured to determine a total current resource amount according to received resource transfer information of a first user, where the resource transfer information includes: user identity information;
a risk level determination module (820) for performing risk verification on the first user according to the user identity information to obtain a risk level of the first user;
a resource splitting pattern determining module (830) for determining a resource splitting pattern according to the risk level;
and the splitting module (840) is used for splitting the total amount of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the split resources of different categories have different purposes.
9. An electronic device for resource splitting, comprising:
a memory for storing a computer program;
a processor for implementing the resource splitting method of any one of claims 1 to 7 when executing the computer program.
10. A computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to implement the resource splitting method according to any one of claims 1-7.
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