CN112001595B - Resource splitting method and device - Google Patents
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- CN112001595B CN112001595B CN202010727861.5A CN202010727861A CN112001595B CN 112001595 B CN112001595 B CN 112001595B CN 202010727861 A CN202010727861 A CN 202010727861A CN 112001595 B CN112001595 B CN 112001595B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
- G06Q40/125—Finance or payroll
Abstract
The invention discloses a resource splitting method and a resource splitting device, comprising the following steps: determining the total number of current resources according to the received resource transfer information of the 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 number of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the purposes of the split resources of different categories are different. The implementation of the invention can realize the visualization of split resources of different categories, is convenient for server personnel to count accounts, reduces the manual checking time, can trace the source and ensures the more detailed display of income and expenditure of payroll periods.
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 becoming popular, but some businesses have not been able to achieve complete digitization and require a great deal of human labor. For example: in the issuing of enterprise payroll, the platform can pre-pay part payroll for staff payroll, but the platform checks account entering and account exiting are complicated because the amount of paid money is lower than that of paid money already issued after the enterprise payroll, and the platform does not make risk assessment to the enterprise, so that the situation that the platform issues payroll and the enterprise payroll is not received occurs. Therefore, it is needed to provide a technical scheme of a resource splitting method and a resource splitting device, which can reduce the workload of manual auditing during resource checking, and make risk assessment for enterprises, avoid bad account occurrence, and ensure reasonable income of a platform.
Disclosure of Invention
Aiming at the problems in the prior art, the invention aims to provide a resource splitting method and a resource splitting device, which can reduce the workload of manual auditing during resource checking, and can make risk assessment on enterprises, avoid bad account occurrence and ensure reasonable income of a platform.
In order to solve the technical problems, the invention provides a resource splitting method, which comprises the following steps:
determining the total number of current resources according to the received resource transfer information of the 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 number of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the purposes of the split resources of different categories are different.
In another aspect, the present invention provides a resource splitting apparatus, including:
the current resource total number determining module is configured to determine a current resource total number according to received resource transfer information of the 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 number of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the purposes of the split resources of different categories are different.
In another aspect, the present invention provides an electronic device for resource splitting, including:
a memory for storing a computer program;
and a processor for implementing 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 having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, the at least one instruction, the at least one program, the set of codes, or the set of instructions being loaded and executed by a processor to implement a resource splitting method as described above.
The resource splitting method and device provided by the invention have the following beneficial effects:
according to the resource splitting method provided by the invention, the first user is subjected to risk verification through the received resource transfer information of the first user, the resource splitting model is determined according to the risk verification, so that the resource transfer information is split to obtain split resources of different types, 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, meanwhile, the source tracing can be realized, and the income and expenditure of a payroll issuing period are ensured to be displayed in more detail.
Drawings
In order to more clearly illustrate the technical solution of the present invention, the following description will make a brief introduction to the drawings used in the description of the embodiments or the prior art. It is evident that the drawings in the following description are only some embodiments of the present invention and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art.
FIG. 1 is a schematic view of an implementation environment provided by an embodiment of the present invention;
fig. 2 is a schematic flow chart of a resource splitting method according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating another resource splitting method according to an embodiment of the present invention;
FIG. 4 is a flowchart illustrating another resource splitting method according to an embodiment of the present invention;
FIG. 5 is a flowchart illustrating another resource splitting method according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a resource splitting device 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.
Wherein 810-a current resource total number determination module, 820-a risk level determination module, 830-a resource split mode determination module, 840-a split module.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise 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 or inherent to such process, method, article, or device.
Referring to fig. 1 of the drawings, a schematic diagram of an implementation environment provided by an embodiment of the present invention is shown in fig. 1, where the implementation environment may include at least a user terminal 110 and a server 120.
The user terminal 110 has a client running therein. The user terminal 110 may be one or more smartphones, tablet computers, e-book readers, laptop and desktop computers, and the like. The client can be an application program provided for the user by the service provider, or can be a webpage provided for the user by the service provider. The server 120 may be a server that operates independently, a server cluster that is composed of several 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 with the user terminal 110 through a wireless or wired network.
In the embodiment of the present invention, the client may be any client that provides a service to a user. For example, the client may be a payment type application client, a recruitment type client, a shopping type client, and the like. As shown in fig. 2, fig. 2 is a flow chart of a resource splitting method according to an embodiment of the present invention, where an execution body of the method is the server, and the method includes:
s102, determining the total number of 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 the user input or the uploaded resource transfer information of the first user to determine the total number of the current resources, where the first user may be an enterprise corresponding to the platform issuing salary, and the resource transfer information may be sent by the user terminal 110 or input by a platform manager. The server may determine the total number of current resources based on the resource transfer information of the first user.
The resource transfer information may include at least: user identity information, number of resource transfers (e.g., transfer amount). Wherein the user identity information comprises at least one of: transaction account, user name, communication address, contact, business number, terminal number, business name, business account of business, etc. It will be appreciated that, because the present invention requires splitting resources transferred from enterprise resources to the platform, the user identity information may have to include the enterprise name, the transaction account of the enterprise.
It will be appreciated that the user inputting or uploading the resource distribution information may not be the same as the user to whom the user identity information corresponds.
After the worker in the number a works for one week in the enterprise B (i.e., the first user), the server pays payouts to the employees according to the attendance condition of the worker in the number a, and then the enterprise B transfers (i.e., transfers information of resources) to the 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.
S104, performing risk verification on the first user according to the user identity information to obtain a risk level of the first user.
In a specific implementation process, registration information of a first user on the server is obtained, historical transaction information of the first user in the near term (within a specified time period) and historical evaluation information are obtained, risk verification is performed on the first user according to the registration information of the first user, the historical transaction information and the historical evaluation information within the specified time period, for example, whether a registration certificate in the registration information of the first user is expired is verified, whether historical overdue transaction exists in the historical transaction information is verified, and whether transfer behavior with transfer amount lower than payroll amount exists in the historical evaluation information is verified. Optionally, risk verification may be performed through a pre-established wind control model, to obtain a risk level of the first user.
S106, determining a resource splitting mode according to the risk level.
In a specific implementation process, the server may determine the resource splitting mode according to the risk level of the first user, and risk levels of different levels may correspond to different resource splitting modes, where it may be understood that the risk levels may be the same or different than the number of resource splitting modes. 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. The first risk level may correspond to a first resource splitting mode, and the second risk level may correspond to a second resource splitting mode.
S108, splitting the total number of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the purposes of the split resources of different categories are different.
In a specific implementation process, the server can split the total number of the current resources according to the determined resource splitting mode, and different split resources after splitting are different in category and different in purpose.
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, the first user is subjected to risk verification through the received resource transfer information of the first user, the resource splitting model is determined according to the risk verification, so that the resource transfer information is split to obtain split resources of different types, the visualization of the split resources of different types can be achieved, the server personnel can count accounts conveniently, 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 resource splitting of the user is guaranteed, the accuracy of resource splitting is guaranteed, meanwhile, the source tracing is realized, and the more detailed visual display of income and expenditure of a payroll period is guaranteed.
Based on the foregoing embodiments, in one embodiment of the present disclosure, fig. 3 is a flowchart of another resource splitting method provided in the embodiment of the present disclosure, as shown in fig. 3, S104, performing risk verification on the first user according to the user identity information, where obtaining a risk level of the first user includes:
s1042, acquiring historical resource transfer information and historical evaluation information associated with the user identity information.
In a specific implementation process, the server can acquire historical resource transfer information and historical evaluation information associated with the user identity information. Wherein the historical resource transfer information may be characterized as a transfer detail of the first user's recent (within a specified period of time) corresponding transaction account to the server and a corresponding transfer time. The historical evaluation information may be characterized as whether the first user is fulfilling the resource transfer actions according to the contract in the historical resource transfer actions.
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, registration information of a first user on the server is obtained, historical transaction information (historical resource transfer information) of the first user in the near term (within a specified time period) and historical evaluation information are obtained, risk verification is performed on the first user according to the registration information of the first user, the historical transaction information and the historical evaluation information within the specified time period, for example, whether a registration certificate in the registration information of the first user is expired is verified, whether historical overdue transactions exist in the historical transaction information is verified, and whether transfer actions with transfer amount lower than payroll amount exist in the historical evaluation information are verified. Optionally, risk verification may be performed through a pre-established wind control model, to obtain a risk level of the first user.
According to the resource splitting method provided by the embodiment of the specification, through performing risk verification 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 account occurrence caused by too low risk level of the first user is avoided, and further loss of a server and a platform is avoided.
Based on the foregoing embodiments, in an embodiment of the present disclosure, fig. 4 is a schematic flow chart of another resource splitting method provided in the embodiment of the present disclosure, as shown in fig. 4, where the splitting resource class includes: the actual distribution category;
s108, splitting the total number of the current resources according to the resource splitting mode, wherein the steps of obtaining split resources of different categories comprise:
s1082, acquiring the actual distribution resource quantity of the current period, wherein the actual distribution resource quantity of 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 child user of the first user;
in a specific implementation process, the server may obtain an actual distribution resource amount in the current period, where the actual distribution resource amount is characterized in that a transaction account corresponding to the server pays salary of the second user for the first user.
It can be understood that the actual resource distribution quantity 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 child user of the first user. It will be appreciated that the action information may be characterized as the behavior of the second user at the first user, there may be a plurality of second users, and there may be a punch-card associated with the first user in each of the second users' action information. The length of the current period may be set according to actual needs, and is not particularly limited in the embodiment of the present specification, and is preferably one week or one month.
For example, 20 employees (second users) work for one week in enterprise B (first user), and each employee (second user) works normally (action information) on duty, i.e. no late early back occurs, etc., the daily salary of each employee is 100 yuan, and the actual distribution resource quantity 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 class to be distributed to the actual distribution class.
In a specific implementation, the actual distribution category may be a category for which payroll has been issued.
Illustratively, when the first user resource transfer number is 10000, and the current week actual distribution resource number is 8000, the server may split 8000 number of resources into actual distribution categories.
According to the resource splitting method provided by the embodiment of the specification, the number of the resources to the actual distribution categories is determined according to the actual distribution number of the resources in the current week, so that the accuracy of the resource data is ensured, the splitting process is not operated manually, the labor cost is saved, and the rationality of resource splitting is provided.
Based on the foregoing embodiments, in one embodiment of the present disclosure, as shown in fig. 5, fig. 5 is a schematic flow chart 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 number of the current resources and the number of the actual distributed resources is larger than a preset resource threshold value;
in a specific implementation process, the preset resource threshold is not specifically limited in the embodiment of the present disclosure, and may be set according to actual needs, and is preferably zero.
And S404, if the difference value is not greater than the threshold value, adding the difference value to the historical evaluation information for risk verification of the first user in the next resource allocation.
Illustratively, when the first user resource transfer number is 10000 and the current week actual distribution resource number is 12000, the difference value between the first user resource transfer number and the current week actual distribution resource number is-2000, and the preset resource threshold value is added to the historical evaluation information, it can be understood that the lower the numerical value in the historical evaluation information is, the lower the risk level of the corresponding risk verification is.
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 process of splitting the resources each time, so that a closed loop is formed by risk verification and resource splitting, reasonable resource transfer of the first user can be promoted, bad account is reduced, and accuracy of resource splitting data is guaranteed.
Based on the foregoing embodiments, in one embodiment of the present disclosure, the resource transfer information further includes: transferring the number of resources and the corresponding first time parameter;
s102, determining the total number of the current resources according to the received resource transfer information of the first user comprises the following steps:
s1022, receiving the resource prepayment information and the resource transfer information of the first user, where the resource prepayment information includes: user identity information, a resource prepayment amount and a corresponding second time parameter;
in a specific implementation process, the resource prepayment information is a resource transferred by the first user to a transaction account corresponding to the server before payroll in the current period. It will be appreciated that the resource prepayment information may be a prepayment, i.e. a prepayment submitted by the first user before the employee goes to the business work 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, which may reflect a period corresponding to payroll by the second user.
S1024, judging whether the period of the first time parameter is the same as the period of the second time parameter;
in a specific implementation process, the first time parameter and the second time parameter may be used to determine whether the time period is a time period corresponding to the current splitting period.
And S1026, if the total number of the current resources is the same, the total number of the current resources is equal to the sum of the prepaid number of the resources and the number of the transfer resources.
In a specific implementation, if the first time parameter and the second time parameter are in the same resource splitting period, the total number of current resources is equal to the sum of the number of prepaid resources and the number of transfer resources.
For example, when the second time parameter of the resource prepayment information is 1 month and 1 day in 2020, the resource prepayment amount is 2000, the first time parameter corresponding to the resource transfer information is 7 days in 2020, and the transfer resource amount is 8000, and since the payroll of the second user is in the form of a weekly payroll, it can be known that the first time parameter is the same as the period in which the second time parameter is located. Then it can be determined that the current total number of resources is
2000+8000=10000。
According to the resource splitting method, the sum value of the resource prepayment quantity and the transfer resource quantity of the first user is split, the integrity of the first user resource is guaranteed, and the degradation of the goodness of the first user caused by the fact that only the transfer resource quantity is split is avoided.
Based on the foregoing embodiments, in one embodiment of the present disclosure, S102, the determining the total number of 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 corresponding third time parameters;
judging whether the period of the first time parameter is the same as the period of the second time parameter;
if the number of the transferred resources is equal to the preset number of the resource guarantee number, judging whether the number of the transferred resources is larger than the preset multiple of the resource guarantee number;
if so, determining that the total number of the current resources is equal to the number of the transferred resources, and taking the resources
And returning the source guarantee quantity to the transaction account corresponding to the user identity information.
In a specific implementation process, the resource guarantee information may be characterized as a guarantee (i.e. a guarantee) set by the server to avoid risk of payroll payment, and when the server determines that the period of the first time parameter and the period of the second time parameter are the same and the number of transferred resources is greater than a preset multiple of the number of the resource guarantees, the server determines that the total number of the current resources is equal to the number of the transferred resources and returns the number of the source guarantees to a transaction account corresponding to the user identity information.
When the resource splitting method provided by the embodiment of the specification determines that the quantity of the transferred resources is larger than the quantity of the resource guarantees of the first user, the quantity of the resource guarantees of the first user is transferred back to the transaction account corresponding to the user identity information, so that the integrity of the first user resources is ensured, and the degradation of the goodness of the first user caused by splitting the quantity of the transferred resources only is avoided.
On the other hand, fig. 6 is a schematic structural diagram of a resource distribution device according to an embodiment of the present invention, and as shown in fig. 6, the present invention provides a resource splitting device, including:
the current resource total number determining module 810 is configured to determine a current resource total number according to received resource transfer information of the first user, where the resource transfer information includes: user identity information;
the risk level determining module 820 is configured to perform risk verification on the first user according to the user identity information, so as 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;
and a splitting module 840, configured to split the total number of the current resources according to the resource splitting mode to obtain split resources of different categories, where the usage of the split resources of different categories is different.
Based on the foregoing embodiments, in one embodiment of the present disclosure, the risk level determining module 820 includes:
the information acquisition unit is used for acquiring historical resource transfer information and historical evaluation information 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.
Based on the foregoing embodiments, in one embodiment of the present disclosure, the splitting module 840 includes:
the actual distribution resource quantity unit is used for acquiring the actual distribution resource quantity of the current period, wherein the actual distribution resource quantity of 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 child user of the first user;
and the actual distribution type determining unit is used for splitting the resources of the actual distribution resource quantity from split resources of the type to be distributed to the actual distribution type.
On the basis of the above embodiment, in one embodiment of the present specification, further includes:
the first judging module is used for judging whether the difference value between the total number of the current resources and the number of the actual 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 to the historical evaluation information if the historical evaluation information is not larger than the historical evaluation information and is used for risk verification of the first user in the next resource allocation.
Based on the above embodiments, in one embodiment of the present disclosure, the current resource total number determining module 810 includes:
a receiving unit configured to receive resource prepayment information and resource transfer information of a first user, the resource prepayment information including: user identity information, a resource prepayment amount and a corresponding second time parameter;
the first judging unit is used for judging whether the period of the first time parameter is the same as the period of the second time parameter;
the total number of current resources is determined in the unit, and if the total number of current resources is the same, the total number of current resources is equal to the sum of the number of prepaid resources and the number of transfer resources.
Based on the above embodiments, in one embodiment of the present disclosure, the current resource total number 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 corresponding third time parameters;
the first judging unit is further used for judging whether the period of the first time parameter is the same as the period of the second time parameter;
the second judging unit is used for judging whether the quantity of the transferred resources is larger than a preset multiple of the quantity of the resource guarantee if the quantity of the transferred resources is the same;
and the return unit is used for determining that the total number of the current resources is equal to the number of the transferred resources if the total number of the current resources is larger than the number of the transferred resources, and returning the number of the resource guarantees to the transaction account corresponding to the user identity information.
Because the technical effects of the resource distribution device and the resource splitting method are the same, the description thereof is omitted here.
Fig. 7 is a schematic structural diagram of an electronic device according to an embodiment of the present invention, where, as shown in fig. 7, the electronic device includes a processor and a memory, where at least one instruction, at least one section of program, a code set, or an instruction set is stored in the memory, and the at least one instruction, the at least one section of program, the code set, or the instruction set is loaded and executed by the processor to implement a payroll method as described in any one of the foregoing.
It should be noted that, in the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described as different from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other. The test method provided by the embodiment of the invention has the same implementation principle and technical effects as those of the embodiment of the system, and for the sake of brief description, reference may be made to the corresponding contents of the embodiment of the system.
In the several embodiments provided in this application, it should be understood that the disclosed systems and methods may be implemented in other ways as well. The apparatus embodiments described above are merely illustrative, for example, of the flowcharts and block diagrams in the figures that 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 stand-alone product, may be stored in a computer readable storage medium. Based on this understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art or in a part of the technical solution, in the form of a software product stored in a storage medium, comprising several instructions for causing a computer device (which may be a personal computer, a server, a network device, etc.) to perform 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, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
Finally, it should be noted that: the above examples are only specific embodiments of the present invention, and are not intended to limit the scope of the present invention, but it should be understood by those skilled in the art that the present invention is not limited thereto, and that the present invention is described in detail with reference to the foregoing examples: any person skilled in the art may modify or easily conceive of the technical solution described in the foregoing embodiments, or perform equivalent substitution of some of the technical features, while remaining within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention.
Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (8)
1. A method for resource splitting, comprising:
determining the total number of current resources according to the received resource transfer information of the first user, wherein the resource transfer information comprises: user identity information and resource transfer quantity, wherein the resource transfer quantity is the quantity of resources transferred to a platform by a user;
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;
splitting the total number of the current resources according to the resource splitting mode to obtain split resources of different categories, wherein the purposes of the split resources of different categories are different;
the categories of the split resources include: the actual distribution category; splitting the total number of the current resources according to the resource splitting mode, wherein obtaining split resources of different categories comprises:
acquiring the quantity of resources actually distributed in the current period, wherein the quantity of the resources actually distributed 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 child user of the first user;
splitting the resources of the actual distribution resource quantity from split resources of the class to be distributed to the actual distribution class;
judging whether the difference value between the total number of the current resources and the number of the actual distributed resources is larger than a preset resource threshold value or not;
if the difference value is not greater than the first threshold value, the difference value is added to the historical evaluation information for risk verification of the first user in the next resource allocation.
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 a 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 of claim 1, wherein the resource transfer information further comprises: transferring a first time parameter corresponding to the number of resources;
the determining the total number of the current resources according to the received resource transfer information of the first user comprises:
receiving resource prepayment information and resource transfer information of a first user, wherein the resource prepayment information comprises: user identity information, a resource prepayment amount and a corresponding second time parameter;
judging whether the period of the first time parameter is the same as the period of the second time parameter;
if so, the total number of the current resources is equal to the sum of the prepaid number of the resources and the number of the transfer resources.
4. The resource splitting method of claim 3, wherein determining the total number of current resources based on 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 corresponding third time parameters;
judging whether the period of the first time parameter is the same as the period of the third time parameter;
if the number of the transferred resources is equal to the preset number of the resource guarantee number, judging whether the number of the transferred resources is larger than the preset multiple of the resource guarantee number;
if the total number of the current resources is larger than the transfer resource number, determining that the total number of the current resources is equal to the transfer resource number, and returning the resource guarantee number to the transaction account corresponding to the user identity information.
5. The resource splitting method of claim 1, wherein the user identity information comprises at least one of: transaction account, user name, communication address, and contact.
6. A resource splitting apparatus, comprising:
a current total number of resources determining module (810) configured to determine a current total number of resources according to received resource transfer information of a first user, the resource transfer information including: user identity information and resource transfer quantity, wherein the resource transfer quantity is the quantity of resources transferred to a platform by a user;
the risk level determining module (820) 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;
a resource split mode determination module (830) for determining a resource split mode according to the risk level;
a splitting module (840) configured to split the total number of the current resources according to the resource splitting mode to obtain split resources of different types, where the usage of the split resources of different types is different; the categories of the split resources include: the actual distribution category; splitting the total number of the current resources according to the resource splitting mode, wherein obtaining split resources of different categories comprises: acquiring the actual distribution resource quantity of a current period, wherein the actual distribution resource quantity of 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 child user of the first user; splitting the resources of the actual distribution resource quantity from split resources of the class to be distributed to the actual distribution class; judging whether the difference value between the total number of the current resources and the number of the actual distributed resources is larger than a preset resource threshold value or not; if the difference value is not greater than the first threshold value, the difference value is added to the historical evaluation information for risk verification of the first user in the next resource allocation.
7. An electronic device for resource splitting, comprising:
a memory for storing a computer program;
a processor for implementing the resource splitting method according to any of claims 1-5 when executing said computer program.
8. A computer readable storage medium having stored therein at least one instruction, at least one program, code set, or instruction set, the at least one instruction, the at least one program, code set, or instruction set being loaded and executed by a processor to implement the resource splitting method of any of claims 1-5.
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| CN104915885A (en) * | 2015-06-01 | 2015-09-16 | 浪潮通用软件有限公司 | Processing method and device for credit business |
| CN106897924A (en) * | 2016-08-24 | 2017-06-27 | 阿里巴巴集团控股有限公司 | A kind of Internet resources transfer method, funds transfer method, repayment method and device |
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| CN104915885A (en) * | 2015-06-01 | 2015-09-16 | 浪潮通用软件有限公司 | Processing method and device for credit business |
| CN106897924A (en) * | 2016-08-24 | 2017-06-27 | 阿里巴巴集团控股有限公司 | A kind of Internet resources transfer method, funds transfer method, repayment method and device |
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