CN113011962B - Resource allocation method and device - Google Patents

Resource allocation method and device Download PDF

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Publication number
CN113011962B
CN113011962B CN202110206062.8A CN202110206062A CN113011962B CN 113011962 B CN113011962 B CN 113011962B CN 202110206062 A CN202110206062 A CN 202110206062A CN 113011962 B CN113011962 B CN 113011962B
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resource
user
information
provider
credential provider
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CN113011962A (en
Inventor
管维刚
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Zhejiang eCommerce Bank Co Ltd
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Zhejiang eCommerce Bank Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403Solvency checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis

Abstract

The embodiment of the invention provides a resource allocation method and a device, wherein the resource allocation method comprises the following steps: receiving a resource acquisition request sent by a user, and determining a resource credential provider corresponding to the user according to first attribute information carried by the user in the resource acquisition request; acquiring second attribute information of the user on the resource credential provider under the condition that the resource credential provider meets a preset compliance condition; acquiring resource credential information of the user at the resource credential provider under the condition that the second attribute information is determined to be matched with the first attribute information; and allocating corresponding resources for the user based on the resource credential information.

Description

Resource allocation method and device
Technical Field
The embodiment of the invention relates to the technical field of computers, in particular to a resource allocation method. One or more embodiments of the present specification also relate to a resource allocation apparatus, a computing device, and a computer-readable storage medium.
Background
With the development of computer technology, more and more technologies are applied to the processing of business, and according to the requirements on the safety and the real-time performance of the business, higher requirements are also put forward on the corresponding technologies. In many applications, a user needs to prove that he or she has a certain qualification or ability, e.g., in a loan application, a user needs to prove that he or she has repayment or revenue ability, in an investment application, an investor needs to prove that he or she has a certain number of securities, etc. At present, the online solution is to require the user to provide corresponding evidence photographing, screenshot and the like, so that not only is the service processing efficiency lower, but also the credibility of the transaction is lower, and the risk service with high credit grade cannot be developed.
Disclosure of Invention
In view of this, the embodiment of the invention provides a resource allocation method. One or more embodiments of the present invention also relate to a resource allocation apparatus, a computing device, and a computer-readable storage medium that address the technical shortcomings of the prior art.
According to a first aspect of an embodiment of the present invention, there is provided a resource allocation method, including:
receiving a resource acquisition request sent by a user, and determining a resource credential provider corresponding to the user according to first attribute information carried by the user in the resource acquisition request;
acquiring second attribute information of the user on the resource credential provider under the condition that the resource credential provider meets a preset compliance condition;
acquiring resource credential information of the user at the resource credential provider under the condition that the second attribute information is determined to be matched with the first attribute information;
and allocating corresponding resources for the user based on the resource credential information.
According to a second aspect of an embodiment of the present invention, there is provided a resource allocation apparatus, including:
the determining module is configured to receive a resource acquisition request sent by a user, and determine a resource credential provider corresponding to the user according to first attribute information carried by the user in the resource acquisition request;
The first acquisition module is configured to acquire second attribute information of the user on the resource credential provider under the condition that the resource credential provider is determined to meet a preset compliance condition;
a second obtaining module configured to obtain resource credential information of the user at the resource credential provider if the second attribute information is determined to match the first attribute information;
and the allocation module is configured to allocate corresponding resources for the user based on the resource credential information.
According to a third aspect of embodiments of the present invention, there is provided a computing device comprising:
a memory and a processor;
the memory is configured to store computer-executable instructions and the processor is configured to execute the computer-executable instructions, wherein the processor, when executing the computer-executable instructions, performs the steps of the resource allocation method.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable storage medium storing computer executable instructions which, when executed by a processor, implement the steps of any one of the resource allocation methods.
The embodiment of the invention realizes receiving the resource acquisition request sent by the user and determining the resource credential provider corresponding to the user according to the first attribute information carried by the user in the resource acquisition request; acquiring second attribute information of the user on the resource credential provider under the condition that the resource credential provider meets a preset compliance condition; acquiring resource credential information of the user at the resource credential provider under the condition that the second attribute information is determined to be matched with the first attribute information; corresponding resources are allocated to the user based on the resource credential information, so that corresponding self-certification can be realized without heavy system butt joint between the user and each mechanism, the self-certification efficiency can be improved, the reliability of the online software self-certification mode is relatively high, and the online user self-certification capability is more convenient and reliable.
Drawings
Fig. 1 is a schematic structural diagram of a resource allocation method applied to a system according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method for resource allocation provided by one embodiment of the present invention;
FIG. 3 is a process flow diagram of a method for resource allocation according to one embodiment of the present invention;
fig. 4 is a schematic structural diagram of a resource allocation device according to an embodiment of the present invention;
FIG. 5 is a block diagram of a computing device provided by one embodiment of the invention.
Detailed Description
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. This description may be embodied in many other forms than those herein described, and those skilled in the art may readily devise many other varied embodiments that do not depart from the spirit of the invention, and this invention is not limited to the specific embodiments disclosed below.
The terminology used in the one or more embodiments of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of the invention. As used in one or more embodiments of the invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present invention refers to and encompasses any or all possible combinations of one or more of the associated listed items.
It should be understood that, although the terms first, second, etc. may be used in one or more embodiments of the invention to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first may also be referred to as a second, and similarly, a second may also be referred to as a first, without departing from the scope of one or more embodiments of the invention. The word "if" as used herein may be interpreted as "at … …" or "at … …" or "responsive to a determination", depending on the context.
First, terms related to one or more embodiments of the present invention will be explained.
Self-evidence: the user himself proves himself to possess certain qualifications, assets or data.
Witnessing: the authenticity of the user operation process and the result data is proved by staff on the user operation site.
In a large number of application scenarios, users need to prove that they possess a particular qualification or capability, e.g., in a lending scenario, users need to prove that they possess repayment or revenue capability, investors need to prove that they possess a corresponding number of securities assets, etc. Based on the above, the current off-line method is that income certificates, bank running water, asset certificates and the like are submitted to a business hall, and the business processing mode is paid more attention to, so that the method is not suitable for the development of the business of the Internet; for online practice, the user can be required to provide corresponding evidence of photographing, screenshot and the like, but the service with higher risk degree still cannot be developed for the credibility of the photograph, or the service is associated with a related mechanism system, and the data of the user is acquired through an interface.
In the current credit self-certification business scene, in order to realize the self-certification of the user on the credit data in terms of resource running water, tax, receipt and the like, taking the resource in the software on the terminal as the self-certification scene, the user proves the possession of the user to the mechanism as an example, the user needs to print the resource certification to the offline place of the software, or the online screenshot is used for resource certification and uploaded to the mechanism for providing the resource, and the possession of the user is proved to be possession of the user, but the operation of the method is inconvenient, and the effectiveness of the uploaded screenshot or photo is difficult to ensure.
In summary, the resource allocation method provided by the embodiment of the invention provides an online self-certification scheme, replaces manpower to wit resources, data and the like of a user, and enables the user to realize the safety level of witnessing the same staff on site only through terminal operation, so as to adapt to high-risk service scenes, and does not need to carry out heavy system butt joint with each mechanism, thereby realizing a convenient and reliable online user self-certification scheme.
In the present invention, a resource allocation method is provided, and the present invention relates to a resource allocation apparatus, a computing device, and a computer-readable storage medium, which are described in detail one by one in the following embodiments.
Fig. 1 is a schematic structural diagram of a resource allocation method applied to a system according to an embodiment of the present invention.
In fig. 1, part a is a user terminal, part A1 is a resource credential provider, part A2 is a resource provider, and part B is a resource provider server, where it is to be noted that the resource provider includes a resource acquisition module A1, a user account checking module A2, a virtual witness module a3, a resource credential provider validity detection module a4, and a terminal environment trusted detection module a5, where the resource acquisition module A1 may acquire information such as a resource amount and a resource period on a resource page of the resource credential provider; the user account checking module a2 can confirm the account of the user by acquiring the user information on the account information page of the resource credential provider; the virtual witness module a3 can obtain data on the page by guiding a user to open auxiliary functions of the system and other means; the resource credential provider validity detection module a4 can verify by acquiring a content digest signature of the resource credential provider; the terminal environment credibility detection module a5 can detect whether the terminal has the conditions of jail break, network proxy, system customization and the like.
After the resource provider acquires the self-certification data of the user, uploading the self-certification data to a resource provider service end, and giving corresponding resource benefits to the user according to the acquired user-trusted self-certification data by the resource provider service end.
According to the resource allocation method provided by the embodiment of the invention, on the premise that the terminal and the resource credential provider have safety, the resource data and the like of the user on the resource credential provider are obtained to determine the resource credential information of the user, so that the online self-certification capability of the user is realized, the self-certification efficiency can be improved, the reliability of the online software self-certification mode is relatively high, and the online user self-certification capability is realized more conveniently and reliably.
Referring to fig. 2 in combination, fig. 2 shows a flowchart of a resource allocation method according to an embodiment of the present invention, which specifically includes the following steps.
Step 202: and receiving a resource acquisition request sent by a user, and determining a resource credential provider corresponding to the user according to first attribute information carried by the user in the resource acquisition request.
The resource obtaining request may be understood as a request for obtaining a resource provided by a user to a resource provider, and taking a loan scenario as an example, the resource obtaining request may be a borrowing request sent by the user to a sender.
The first attribute information may be understood as account information of a resource credential provider where the user is located and a resource amount, where the account information may include information such as a user identity, a personal account number, a registration address, and the like.
Specifically, the resource provider receives a resource acquisition request initiated by a user through a terminal, and determines a resource credential provider corresponding to the user according to first attribute information of the user carried in the resource acquisition request.
In practical application, a user can correspond to at least one resource credential provider, in order to be able to acquire resources of the resource provider, the user is required to provide self-certification information for the resource provider, the resource provider issues corresponding resources for the user according to the self-certification information, the user sends a resource acquisition request to the resource provider, the resource acquisition request carries personal account information logged in by the user at the resource credential provider and the amount of resources required to be acquired by the user, and the resource provider determines the resource credential provider corresponding to the user according to first attribute information carried in the resource acquisition request sent by the user.
For example, taking a user loan scenario as an example, a resource provider may be regarded as a payor, for example, a bank 1, a resource credential provider may be regarded as a guarantee, for example, a bank 2, and the bank 1 receives a loan request sent by a user, where the loan request carries information such as personal identity information (name, date of birth, contact, home address) of the user, account opening account number (account opening account number of the bank) of the account opening account number (10 ten thousand) of the user, and an amount of loan required by the user, and according to the account opening account number of the user at the bank, the bank can be determined to be the bank 2, and then the bank 2 may be regarded as a resource credential provider, so as to provide the resource credential for the user, so that the user can obtain a corresponding loan amount from the resource provider.
Step 204: and under the condition that the resource credential provider meets the preset compliance condition, acquiring second attribute information of the user on the resource credential provider.
The preset compliance condition may be understood as that the validity of the resource credential provider meets the compliance condition.
The second attribute information may be understood as account information of the user at the resource credential provider.
Specifically, under the condition that the resource credential provider meets the preset compliance condition, second attribute information of the user on the resource credential provider is obtained.
Further, the receiving the resource acquisition request sent by the user includes:
receiving a resource acquisition request sent by a user through a client;
correspondingly, before determining that the resource credential provider meets the preset compliance condition, the method further comprises:
and acquiring a security value of a resource acquisition environment of the client, and determining compliance of the resource credential provider under the condition that the security value meets a preset security condition.
The security value of the resource acquisition environment can be understood as the security value of the terminal environment where the resource credential provider is located, and the preset security condition can be understood as the trusted condition of the terminal environment.
Specifically, the resource provider receives a resource acquisition request sent by a user through a client, and before determining that the resource credential provider meets a preset compliance condition, the resource provider also needs to determine a resource acquisition environment of the client used by the user, and determines compliance of the resource credential provider by acquiring a security value of the resource acquisition environment of the client when the security value meets the preset security condition.
In practical application, if the environment of the client used by the user is trusted, the resource provider needs to judge the credibility first, if the environment of the client is detected to be unreliable, the resource credential provider cannot continuously acquire the resource credential information, and further acquire the corresponding resource, firstly acquire the security value of the resource acquisition environment of the client, compare the security value with the security value under the preset security condition, and if the security value is greater than or equal to the security value under the preset condition, determine the compliance of the resource credential provider.
Along the above example, the security value of the client environment used by the user is obtained to be 5, and the security value of the preset security condition is obtained to be 3, so that it can be determined that the security value of the client environment is greater than the security value of the preset security condition, and the client environment compliance of the resource credential provider is determined.
According to the resource allocation method provided by the embodiment of the invention, before the condition that the resource credential provider accords with the preset compliance condition is determined, the security of the resource acquisition environment of the client is required to be determined, so that the reliability of the environment of the client of the user is ensured, and the reliability is greatly improved.
Further, the security value of the security of the client resource acquisition environment may be embodied by a number of aspects; specifically, the obtaining the security value of the resource obtaining environment of the client includes:
determining a first security value of the client, a second security value of a network environment and a third security value of a system environment;
and determining the security value of the resource acquisition environment based on the first security value, the second security value and the third security value.
The first security value can be understood as a security value of whether the client is cracked or not and whether the client is broken or not; the second security value of the network environment may be understood as a security value of whether the network is detected by the proxy; the third security value of the system environment may be understood as a security value affecting the system, such as whether the client system is customized.
In practical application, the client environment of the user, the resource credential provider in the client and the resource provider are subjected to validity detection, so that the safety of the current operating environment of the user can be determined, and if the client is not cracked with permission and is broken with prison, the first safety value can be 2; if the network is not detected by the proxy, the second security value may be 1; if the client system is not customized, the third security value may be 1, that is, the resource acquisition environment security value of the client may be determined to be 4 based on the first security value, the second security value, and the third security value.
According to the resource allocation method provided by the embodiment of the invention, the security value of the client is obtained from the aspects of the client self environment, the client network environment, the client system environment and the like, so that the security of the current operation environment of a user is ensured, the security of the user operation is ensured, and the operation reliability of the client is greatly improved.
In the case that the client is determined to have high credibility, the legitimacy of the resource credential provider needs to be determined; specifically, the determining that the resource credential provider meets the preset compliance condition includes:
a signature acquisition request is sent to the resource credential provider, and the resource credential provider is received to determine a signature value of the resource credential provider based on the signature acquisition request;
under the condition that the signature value meets a preset verification condition, determining an association relationship with the resource credential provider;
and determining compliance of the resource credential provider based on the association of the signature value and the association.
The signature value of the resource credential provider may be understood as a content digest signature value of the resource credential provider, or may be understood as a character string identifying the resource credential provider.
Specifically, the resource provider sends a signature acquisition request for the resource credential provider to the resource credential provider, receives a signature value of the resource credential provider determined by the resource credential provider based on the signature acquisition request, determines an association relationship with the resource credential provider under the condition that the obtained signature value meets a preset verification condition, and determines compliance of the resource credential provider based on the signature value and the association relationship.
In practical application, the preset verification condition may be understood as a preset verification requirement on the signature value, for example, the signature value is matched with a third party signature value, and under the condition that the acquired signature value meets the preset verification condition, the association relationship between the resource provider and the resource credential provider may be determined, where it is to be noted that the association relationship may be understood as an authorized relationship or other association relationship between the resource provider and the resource credential provider, and on the premise that the resource credential provider and the resource provider have the association relationship, the compliance of the resource credential provider may be determined.
According to the resource allocation method provided by the embodiment of the invention, the application program is ensured to be the application program issued by the third party by determining the application signature verification means of the application program, so that the validity of the application program is determined, and the reliability of user operation is further improved.
Determining the validity of the application program, comparing the signature value of the application program with the signature value issued by the third party, and continuously determining the association relationship between the resource provider and the resource credential provider under the condition that the signature values of the application program and the third party are matched; specifically, the determining the association relationship with the resource credential provider when the signature value meets a preset verification condition includes:
and acquiring a third-party signature value of the resource credential provider, and determining an association relationship with the resource credential provider under the condition that the signature value determined by the resource credential provider based on the signature acquisition request is matched with the third-party signature value.
Specifically, the resource provider also needs to obtain a third party signature value of the resource credential provider, and when the third party of the resource credential provider issues the application program, the third party signature value is determined, and under the condition that the signature value determined by the resource credential provider based on the signature obtaining request is matched with the third party signature value, the association relationship between the resource provider and the resource credential provider can be continuously determined.
For example, the third party signature value of the resource credential provider is a1, the signature value of the resource credential provider determined by the resource credential provider is a2, and in the case that a2 is equal to a1, the resource credential provider may be determined to be a third party application, and has validity and is not tampered with.
According to the resource allocation method provided by the embodiment of the invention, the signature value of the resource credential provider is matched with the signature value of the resource credential provider issued by the third party, so that the legitimacy of the resource credential provider is determined, and the reliability of user operation is further improved.
Under the condition that the legitimacy of the resource credential provider meets the preset compliance condition, the second attribute information of the resource credential provider can be obtained by guiding the user to enter a page where the corresponding resource credential provider is located; specifically, the obtaining the second attribute information of the user at the resource credential provider includes:
judging whether an authority opening instruction of the user for the resource credential provider is received or not;
if yes, determining a user information page of a resource credential provider where the user is located based on the permission opening instruction, and judging whether a confirmation instruction of the user for second attribute information of the user information page is received or not;
if yes, second attribute information of a user information page of the resource credential provider is obtained, wherein the second attribute information comprises account information.
The permission opening instruction may be understood as a permission instruction for a user to open an auxiliary function of the client.
The second attribute information may be understood as account information of the user in an application program of the resource credential provider, such as information of personal identity information (name, date of birth, contact, home address), account opening account number (account opening account number of bank), and the like.
Specifically, the resource provider judges whether an authority opening instruction of a user for the resource credential provider is received, and under the condition of the received authority opening instruction, determines a user information page of the resource credential provider where the user is located based on the authority opening instruction, judges whether the resource provider receives a confirmation instruction of second attribute information of the user for the user information page, and if the confirmation instruction is received, can acquire the second attribute information of the user information page of the resource credential provider, wherein the second attribute information can comprise account information.
In practical application, the resource provider needs to guide the user to perform corresponding operation on the resource credential provider, so that a system auxiliary function needs to be started on a system of the client to acquire data of response of an application program of the resource credential provider, firstly, the user needs to start the auxiliary function of the client system, and under the condition that the resource provider receives a permission starting instruction that the user has started the system auxiliary function, the resource provider guides the user to enter a user information page of the resource credential provider, and the user information page can include information such as a personal account number and account information of the user and the like capable of verifying identity of the user; after the user has entered the user information page of the resource credential provider, the resource provider needs to determine whether a confirmation instruction of the user for the second attribute information of the user information page is received, that is, needs to determine whether the user can acquire the second attribute information of the user on the user information page through the auxiliary function, and if the confirmation instruction of the user is received, the second attribute information of the user information page of the resource credential provider can be acquired, where the second attribute information includes account information of the user and the like.
Along the above example, after receiving the permission opening instruction of the user for the bank 2, the bank 1 may guide the user to enter the user information page of the bank 2, and after receiving the confirmation instruction of the second attribute information of the user for the user information page, the bank 1 may obtain the account information of the user on the user information page of the bank 2.
It should be noted that, by guiding the user to enter the corresponding page of the resource credential provider, the resource allocation method provided by the embodiment of the invention can sense the current page of the user and acquire the data displayed on the page.
According to the resource providing method provided by the embodiment of the invention, the resource provider guides the user to enter the corresponding user information page of the resource credential provider, and the account information of the user is acquired in the user information page so as to be convenient for matching with the first attribute information sent by the user, and further, the information such as the user account name and the like is checked, and the account of the current login resource credential provider is ensured to belong to the user account, so that the safety of user operation is improved.
Step 206: and under the condition that the second attribute information is matched with the first attribute information, acquiring the resource credential information of the user on the resource credential provider.
The resource credential information may be understood as information that a user can prove that the user has a repayment capability, such as an aggregate amount, a deposit period, and the like of the resource credential provider.
Specifically, under the condition that the second attribute information acquired by the resource provider through the resource credential provider is matched with the first attribute information sent by the user, the resource credential information of the user on the resource credential provider is acquired.
Further, the obtaining the resource credential information of the user at the resource credential provider includes:
determining a resource record page of the user in the resource credential provider, wherein the resource record page comprises resource credential information;
judging whether a confirmation acquisition instruction of the user for the resource credential information is received or not;
if yes, acquiring the information of the user on the resource certificate.
The resource record page can be understood as a record page of the balance and the running water of the resource of the user on the resource credential provider.
Specifically, the resource provider guides the user to enter a resource recording page of the resource credential provider, and then the resource provider can perceive that the user has entered the resource recording page of the resource credential provider through an auxiliary function, wherein the resource recording page comprises resource credential information; the resource provider also needs to judge whether to receive a confirmation acquisition instruction of the user for the resource credential information, and it needs to be explained that the resource provider also needs to enable the user to determine whether to agree to acquire corresponding information directly from the resource credential provider through an auxiliary function.
In practical application, the resource provider can sense the page where the user is located in the resource credential provider and acquire the display data on the page, if the page is a resource record page, the display data on the resource record page on the page, such as deposit amount, deposit period and other information, but different implementation schemes are provided on different platforms, for example, an android client side, and the resource provider can only need to guide the user to open the system authority of the auxiliary function, and can be realized after the user is guided to enter the designated page and the resource provider is authorized to acquire the self-authentication data on the page.
Taking a loan scenario as an example, after a user agrees to a client to start a system auxiliary function, the bank 1 may guide the user to enter a resource record page of the bank 2, where the resource record page includes a deposit period and a deposit amount, further, the bank 1 needs to determine whether the user agrees in the bank 2, the bank 1 may acquire data on the resource record page of the bank 2, if the user agrees, the bank 1 may acquire data on the resource record page of the bank 2, if the user does not agree, the acquiring fails, on-line user self-certification cannot be achieved, and it is required to be explained that the user may select a self-certification period in the bank 2, for example, the user selects a running list of half-year deadline, calculates a half-year deposit amount, and the like, and the period of the self-certification data may be customized to be implemented, and determines resource credential information in the resource record page according to the customized period, so as to prove that the user has still capability.
According to the resource allocation method provided by the embodiment of the invention, the resource provider guides the user to enter the resource recording page through the system auxiliary function, and acquires the resource credential information in the resource recording page under the condition that the user agrees to prove the resource returning capability of the user.
Step 208: and allocating corresponding resources for the user based on the resource credential information.
Specifically, after the resource provider obtains the resource credential information, the resource provider can allocate corresponding resources for the user according to the resource credential information.
Further, resources allocated to the user can be evaluated according to the resource credential information, and corresponding resources are allocated to the user; specifically, the allocating the corresponding resources for the user based on the resource credential information includes:
and acquiring resource information in the resource credential information, and evaluating the resources allocated to the user based on the resource information.
The resource information may be understood as information such as running amount of the resource, balance of the resource, and the like.
Specifically, after the resource provider obtains the resource information in the resource credential information, the resource provider can evaluate the issuable resource quota for the user according to the content of the resource information, in practical application, the resource information can be a factor evaluating the resource quota allocated to the user to prove whether the user has the capability of returning resources, and after the resource provider obtains the resource information of the user in the resource credential provider, the resource provider can confirm a certain issuing quota of the resource provider, or in another case, the user has at least one resource credential provider, and then the resource provider can obtain the resource credential data in different resource credential providers respectively to confirm the capability of returning resources of the user, so that the larger resource quota can be obtained.
Along the above example, when the bank 1 obtains that the running amount of the user in the bank 2 is 10 ten thousand including half a year, and the deposit amount in the bank 2 is 5 ten thousand, the bank 1 can evaluate the return capability of the user according to the resource information, and further determine that 20 ten thousand yuan of resource credit is allocated to the user.
Along the above example, three resource credential providers corresponding to the user are respectively a bank 2, a bank 3 and a bank 4, and then the bank 1 obtains the resource information of the user in the bank 2 and determines to allocate 20 ten thousand yuan of resource amount to the user; the bank 1 acquires the resource information of the user in the bank 3, and determines to allocate 30 ten thousand yuan of resource limit for the user; the bank 1 obtains the resource information of the user in the bank 4, and determines that 50 ten thousand yuan of resource line is allocated to the user, and finally the user comprehensively evaluates the 100 ten thousand yuan of resource line allocated to the user through multiple self-certification and resource returning capability.
According to the resource allocation method provided by the embodiment of the invention, the corresponding allocation credit is evaluated for the user according to the resource information in the user resource credential information, so that the user requirement can be met, and the online self-certification can be realized more rapidly by an online convenient self-certification means.
Further, on the premise of evaluating the resources allocated to the user, whether the resource information meets the preset resource allocation condition is also determined; specifically, the obtaining the resource information in the resource credential information, and evaluating the resources allocated to the user based on the resource information includes:
and acquiring resource information in the resource credential information, and evaluating the resources allocated to the user based on the resource information under the condition that the resource information meets the preset resource allocation condition.
The preset resource allocation condition may be understood as a condition that the resource is determined according to a preset proportion according to the resource information.
Specifically, after the resource provider obtains the resource information in the resource credential information, the resource provider evaluates the resource allocated to the user based on the resource information under the condition that the resource information is determined to meet the preset resource allocation condition.
In practical application, the preset resource allocation condition may be understood as a preset proportion condition, for example, if the balance in the resource information is 1 ten thousand, according to the preset proportion condition, the resource allocated to the user may be estimated to be 5 ten thousand, and then the proportion of the preset resource allocation condition is 1:5.
according to the resource allocation method provided by the embodiment of the invention, under the condition that the resource information meets the preset resource allocation condition through the resource information in the acquired resource credential information, corresponding resources are allocated to the user according to the resource allocation condition, so that the requirement of the user can be met, and the online self-certification can be realized more rapidly through an online convenient self-certification means.
In summary, an embodiment of the present invention implements receiving a resource acquisition request sent by a user, and determining, according to first attribute information carried in the resource acquisition request by the user, a resource credential provider corresponding to the user; acquiring second attribute information of the user on the resource credential provider under the condition that the resource credential provider meets a preset compliance condition; acquiring resource credential information of the user at the resource credential provider under the condition that the second attribute information is determined to be matched with the first attribute information; corresponding resources are allocated to the user based on the resource credential information, so that corresponding self-certification can be realized without heavy system butt joint between the user and each mechanism, the self-certification efficiency can be improved, the reliability of the online software self-certification mode is relatively high, and the online user self-certification capability is more convenient and reliable.
Referring to fig. 3, the resource allocation method provided by the present invention is further described by taking the application of loan of the credit side banking software as an example. Fig. 3 is a flowchart of a process of a resource allocation method according to an embodiment of the present invention, and specific steps include steps 302 to 316.
In the resource allocation method provided by the embodiment of the invention, the offline scene can be simulated, which is equivalent to the witness of a loan organization staff, a user logs in the account of the bank on a trusted cabinet machine and presents the memory property page to the witness staff so as to prove that the witness staff has the repayment capability.
Step 302: the user starts self-certification.
Specifically, the user may turn on the user self-certification function in the application of the resource provider.
Step 304: the resource provider detects the trustworthiness of the client environment used by the user.
If the client environment is trusted, then step 306 is performed; if the client environment is not trusted, step 316 is performed.
Step 306: the resource provider detects whether the resource credential provider is legitimate.
If yes, go to step 308; if not, step 316 is performed.
Step 308: the resource provider directs the user to open the auxiliary function rights.
If the user agrees to turn on, then step 310 is performed; if the user does not agree to turn on, step 316 is performed.
Step 310: the resource provider guides the user to enter a user information page of the resource credential provider, acquires user account information and confirms whether the user account information is the personal account or not under the condition that a confirmation acquisition instruction sent by the user is received.
If the user determines that the account is the principal account, then step 312 is performed; if the user does not agree that the confirmation acquisition instruction is not sent, or that the account is not the own account, step 316 is performed.
Step 312: the resource provider guides the user to enter a deposit asset page of the resource credential provider, and obtains deposit information of the user under the condition that a confirmation obtaining instruction sent by the user is received.
If the user agrees, if the resource provider receives the acknowledgement acquisition instruction sent by the user, step 314 is executed; if the user does not agree, the resource provider does not receive the confirmation acquisition instruction sent by the user, step 316 is performed.
It should be noted that, the user implements an online virtual witness process, and when the virtual witness is finished, the user is witnessed to have corresponding resource returning capability according to deposit information, so as to obtain corresponding resource quota; in the process of monitoring the security of the virtual witness and judging whether the user agrees to acquire data, any link failure can cause the failure of the whole virtual witness.
According to the resource allocation method provided by the embodiment of the invention, the user has corresponding resource returning capability through on-line virtual witness, the self-witness process is provided for the user rapidly and safely, complex multi-mechanism mutual butt joint is not needed, and the credibility of self-witness information is improved through the method, so that the method is suitable for high-risk business scenes.
Corresponding to the above method embodiment, the present invention further provides an embodiment of a resource allocation device, and fig. 4 shows a schematic structural diagram of a resource allocation device according to one embodiment of the present invention. As shown in fig. 4, the apparatus includes:
a determining module 402, configured to receive a resource acquisition request sent by a user, and determine a resource credential provider corresponding to the user according to first attribute information carried in the resource acquisition request by the user;
a first obtaining module 404, configured to obtain second attribute information of the user on the resource credential provider if it is determined that the resource credential provider meets a preset compliance condition;
a second obtaining module 406, configured to obtain resource credential information of the user at the resource credential provider if the second attribute information is determined to match the first attribute information;
An allocation module 408 is configured to allocate corresponding resources for the user based on the resource credential information.
Optionally, the allocation module 408 is further configured to:
and acquiring resource information in the resource credential information, and evaluating the resources allocated to the user based on the resource information.
Optionally, the allocation module 408 is further configured to:
and acquiring resource information in the resource credential information, and evaluating the resources allocated to the user based on the resource information under the condition that the resource information meets the preset resource allocation condition.
Optionally, the apparatus further comprises:
and the compliance determination module is configured to acquire the security value of the resource acquisition environment of the client, and determine the compliance of the resource credential provider under the condition that the security value meets the preset security condition.
Optionally, the first obtaining module 404 is further configured to:
a signature acquisition request is sent to the resource credential provider, and the resource credential provider is received to determine a signature value of the resource credential provider based on the signature acquisition request;
under the condition that the signature value meets a preset verification condition, determining an association relationship with the resource credential provider;
And determining compliance of the resource credential provider based on the association of the signature value and the association.
Optionally, the first obtaining module 404 is further configured to:
and acquiring a third-party signature value of the resource credential provider, and determining an association relationship with the resource credential provider under the condition that the signature value determined by the resource credential provider based on the signature acquisition request is matched with the third-party signature value.
Optionally, the first obtaining module 404 is further configured to:
judging whether an authority opening instruction of the user for the resource credential provider is received or not;
if yes, determining a user information page of a resource credential provider where the user is located based on the permission opening instruction, and judging whether a confirmation instruction of the user for second attribute information of the user information page is received or not;
if yes, second attribute information of a user information page of the resource credential provider is obtained, wherein the second attribute information comprises account information.
Optionally, the second obtaining module 406 is further configured to:
determining a resource record page of the user in the resource credential provider, wherein the resource record page comprises resource credential information;
Judging whether a confirmation acquisition instruction of the user for the resource credential information is received or not;
if yes, acquiring the information of the user on the resource certificate.
Optionally, the apparatus further comprises:
a compliance determination module further configured to determine a first security value for the client, a second security value for a network environment, and a third security value for a system environment;
and determining the security value of the resource acquisition environment based on the first security value, the second security value and the third security value.
According to the resource allocation device provided by the embodiment of the invention, on the premise that the terminal and the resource credential provider have safety, the resource data and the like of the user on the resource credential provider are obtained to determine the resource credential information of the user, so that the online self-certification capability of the user is realized, the self-certification efficiency can be improved, the online software self-certification mode is utilized, the user is authorized for a plurality of times, and the higher credibility of the resource credential provider is determined by a third party to verify the validity of the application program, so that the online user self-certification capability is realized more conveniently and reliably.
The above is a schematic scheme of a resource allocation apparatus of this embodiment. It should be noted that, the technical solution of the resource allocation apparatus and the technical solution of the resource allocation method belong to the same concept, and details of the technical solution of the resource allocation apparatus, which are not described in detail, can be referred to the description of the technical solution of the resource allocation method.
Fig. 5 illustrates a block diagram of a computing device 500 provided in accordance with one embodiment of the present invention. The components of the computing device 500 include, but are not limited to, a memory 510 and a processor 520. Processor 520 is coupled to memory 510 via bus 530 and database 550 is used to hold data.
Computing device 500 also includes access device 540, access device 540 enabling computing device 500 to communicate via one or more networks 560. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 540 may include one or more of any type of network interface, wired or wireless (e.g., a Network Interface Card (NIC)), such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.
In one embodiment of the invention, the above-described components of computing device 500, as well as other components not shown in FIG. 5, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device illustrated in FIG. 5 is for exemplary purposes only and is not intended to limit the scope of the present invention. Those skilled in the art may add or replace other components as desired.
Computing device 500 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smart phone), wearable computing device (e.g., smart watch, smart glasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 500 may also be a mobile or stationary server.
Wherein the processor 520 is configured to execute computer-executable instructions that, when executed by the processor, perform the steps of the resource allocation method.
The foregoing is a schematic illustration of a computing device of this embodiment. It should be noted that, the technical solution of the computing device and the technical solution of the above-mentioned resource allocation method belong to the same concept, and details of the technical solution of the computing device, which are not described in detail, can be referred to the description of the technical solution of the above-mentioned resource allocation method.
An embodiment of the invention also provides a computer-readable storage medium storing computer instructions that, when executed by a processor, implement the steps of the resource allocation method.
The above is an exemplary version of a computer-readable storage medium of the present embodiment. It should be noted that, the technical solution of the storage medium and the technical solution of the above-mentioned resource allocation method belong to the same concept, and details of the technical solution of the storage medium which are not described in detail can be referred to the description of the technical solution of the above-mentioned resource allocation method.
The foregoing describes certain embodiments of the present invention. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
The computer instructions include computer program code that may be in source code form, object code form, executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a U disk, a removable hard disk, a magnetic disk, an optical disk, a computer Memory, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), an electrical carrier signal, a telecommunications signal, a software distribution medium, and so forth. It should be noted that the computer readable medium contains content that can be appropriately scaled according to the requirements of jurisdictions in which such content is subject to legislation and patent practice, such as in certain jurisdictions in which such content is subject to legislation and patent practice, the computer readable medium does not include electrical carrier signals and telecommunication signals.
It should be noted that, for simplicity of description, the foregoing method embodiments are all described as a series of combinations of actions, but it should be understood by those skilled in the art that the embodiments of the present invention are not limited by the order of actions described, as some steps may be performed in other order or simultaneously in accordance with the embodiments of the present invention. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred, and that the acts and modules referred to are not necessarily all required in the embodiments of the invention.
In the foregoing embodiments, the descriptions of the embodiments are emphasized, and for parts of one embodiment that are not described in detail, reference may be made to the related descriptions of other embodiments.
The preferred embodiments of the invention disclosed above are intended only to assist in the explanation of the invention. Alternative embodiments are not intended to be exhaustive or to limit the invention to the precise form disclosed. Obviously, many modifications and variations are possible in light of the teachings of the embodiments of the present invention. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the invention. The invention is limited only by the claims and the full scope and equivalents thereof.

Claims (12)

1. A resource allocation method, comprising:
receiving a resource acquisition request sent by a user, and determining a resource credential provider corresponding to the user according to first attribute information carried by the user in the resource acquisition request, wherein the first attribute information comprises account information and resource amount of the resource credential provider where the user is located;
acquiring second attribute information of the user at the resource credential provider under the condition that the resource credential provider meets a preset compliance condition, wherein the second attribute information comprises account information of the user at the resource credential provider;
acquiring resource credential information of the user at the resource credential provider under the condition that the second attribute information is determined to be matched with the first attribute information, wherein the resource credential information is information capable of proving that the user has a resource return capability;
and allocating corresponding resources for the user based on the resource credential information.
2. The resource allocation method according to claim 1, wherein the allocating the corresponding resource to the user based on the resource credential information includes:
And acquiring resource information in the resource credential information, and evaluating the resources allocated to the user based on the resource information.
3. The resource allocation method according to claim 2, wherein the acquiring the resource information in the resource credential information, evaluating the resources allocated to the user based on the resource information, comprises:
and acquiring resource information in the resource credential information, and evaluating the resources allocated to the user based on the resource information under the condition that the resource information meets the preset resource allocation condition.
4. The resource allocation method according to claim 1, wherein the receiving the resource acquisition request sent by the user includes:
receiving a resource acquisition request sent by a user through a client;
correspondingly, before determining that the resource credential provider meets the preset compliance condition, the method further comprises:
and acquiring a security value of a resource acquisition environment of the client, and determining compliance of the resource credential provider under the condition that the security value meets a preset security condition.
5. The method for allocating resources according to claim 4, wherein determining that the resource credential provider meets a preset compliance condition comprises:
A signature acquisition request is sent to the resource credential provider, and the resource credential provider is received to determine a signature value of the resource credential provider based on the signature acquisition request;
under the condition that the signature value meets a preset verification condition, determining an association relationship with the resource credential provider;
and determining compliance of the resource credential provider based on the association of the signature value and the association.
6. The resource allocation method according to claim 5, wherein the determining the association relationship with the resource credential provider in the case that the signature value satisfies a preset verification condition includes:
and acquiring a third-party signature value of the resource credential provider, and determining an association relationship with the resource credential provider under the condition that the signature value determined by the resource credential provider based on the signature acquisition request is matched with the third-party signature value.
7. The resource allocation method according to claim 5, wherein the obtaining the second attribute information of the user at the resource credential provider includes:
judging whether an authority opening instruction of the user for the resource credential provider is received or not;
if yes, determining a user information page of a resource credential provider where the user is located based on the permission opening instruction, and judging whether a confirmation instruction of the user for second attribute information of the user information page is received or not;
If yes, second attribute information of a user information page of the resource credential provider is obtained, wherein the second attribute information comprises account information.
8. The resource allocation method according to claim 7, the obtaining resource credential information of the user at the resource credential provider, comprising:
determining a resource record page of the user in the resource credential provider, wherein the resource record page comprises resource credential information;
judging whether a confirmation acquisition instruction of the user for the resource credential information is received or not;
if yes, acquiring the information of the user on the resource certificate.
9. The resource allocation method according to claim 4, wherein the obtaining the security value of the resource obtaining environment of the client includes:
determining a first security value of the client, a second security value of a network environment and a third security value of a system environment;
and determining the security value of the resource acquisition environment based on the first security value, the second security value and the third security value.
10. A resource allocation apparatus, comprising:
the determining module is configured to receive a resource acquisition request sent by a user, and determine a resource credential provider corresponding to the user according to first attribute information carried by the user in the resource acquisition request, wherein the first attribute information comprises account information and resource amount of the resource credential provider where the user is located;
The first acquisition module is configured to acquire second attribute information of the user on the resource credential provider under the condition that the resource credential provider meets a preset compliance condition, wherein the second attribute information comprises account information of the user on the resource credential provider;
a second obtaining module configured to obtain resource credential information of the user at the resource credential provider if the second attribute information is determined to match the first attribute information;
and the allocation module is configured to allocate corresponding resources for the user based on the resource credential information, wherein the resource credential information is information capable of proving that the user has a repayment capability.
11. A computing device, comprising:
a memory and a processor;
the memory is configured to store computer executable instructions and the processor is configured to execute the computer executable instructions, wherein the processor, when executing the computer executable instructions, performs the steps of the resource allocation method of any one of claims 1-9.
12. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the resource allocation method of any of claims 1-9.
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