CN117372152A

CN117372152A - Resource return plan information generation method and device and computer equipment

Info

Publication number: CN117372152A
Application number: CN202311423908.9A
Authority: CN
Inventors: 左珊珊
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-10-30
Filing date: 2023-10-30
Publication date: 2024-01-09

Abstract

The disclosure relates to the technical field of financial information services, and particularly discloses a resource return plan information generation method, a resource return plan information generation device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: acquiring a resource interaction message, and determining resource return attribute information according to the resource interaction message; searching a target resource return account in a resource return account set associated with the target object according to the resource return attribute information; resource return plan information is created in the target resource return account. By adopting the method, the resource interaction message generated by the resource interaction event aiming at the target object can be utilized to analyze the resource interaction attribute information corresponding to the resource interaction event, and the resource interaction event is classified into the corresponding resource return account according to the resource interaction attribute information, so that a resource interaction plan aiming at the resource interaction event is created in the resource return account, the pressure of related resources such as the account is reduced, and the beneficial effect of improving the generation efficiency of the resource return instruction information is achieved.

Description

Resource return plan information generation method and device and computer equipment

Technical Field

The present invention relates to the technical field of financial information services, and in particular, to a method, an apparatus, a computer device, a storage medium, and a computer program product for generating resource return plan information.

Background

In the financial field, the consumer financial products bind the related payment products through the credit account, and when the consumer consumes the payment, the user links the credit loan account to pay. Under different user consumption scenes, the loan deadlines, loan interest rates and the like corresponding to the users are presented with diversified characteristics, and the information such as the diversified loan deadlines, the loan interest rates and the like is reasonably processed, so that the display of repayment plans by the users is facilitated, and the user experience is optimized.

The traditional technology aims at various loan interest rate, loan period and other information in different scenes, a loan account is generated for each consumption payment, when a user inquires about information such as implementing balance and the like, an account amount data cache is used for carrying out data inquiry, and account amount cache data is used for carrying out account accounting, bill date and due date processing during batch processing, calculating information such as payment and the like in the current period, and the generation efficiency of resource return plan information is not facilitated.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource return plan information generating method, apparatus, computer device, computer-readable storage medium, and computer program product that can improve the efficiency of generating resource return instruction information.

In a first aspect, the present application provides a method for generating resource return plan information, including:

acquiring a resource interaction message generated by a resource interaction event aiming at a target object, and determining resource return attribute information corresponding to the resource interaction event according to the resource interaction message; the resource return attribute information is used for recording at least one attribute information of a resource return rule corresponding to the resource interaction event;

searching a target resource return account in the resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event; the resource return attribute information associated with the target resource return account is the same as the resource return attribute information corresponding to the resource interaction message;

creating resource return plan information for the resource interaction event in the target resource return account; and the resource returning plan information characterizes resource returning indication information corresponding to each resource returning time point in the resource returning period.

In one embodiment, the method further comprises:

generating a newly added resource return account under the condition that the target resource return account cannot be found in the resource return account set;

establishing resource return plan information for the resource interaction event in the newly added resource return account; and the resource returning plan information characterizes resource returning indication information corresponding to each resource returning time point in the resource returning period.

In one embodiment, when the resource return attribute information corresponding to the resource interaction event includes a resource return amount adjustment coefficient and a resource return mode, searching a target resource return account in the resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event includes:

acquiring a resource return amount adjustment coefficient and a resource return mode corresponding to a candidate resource return account in the resource return account set;

and under the condition that the resource return amount adjustment coefficient corresponding to the candidate resource return account is the same as the resource return amount adjustment coefficient in the resource return attribute information corresponding to the resource interaction event, and the resource return mode corresponding to the candidate resource return account is the same as the resource return mode in the resource return attribute information corresponding to the resource interaction event, the candidate resource return account is used as the target resource return account.

In one embodiment, the creating the resource return plan information for the resource interaction event in the target resource return account includes:

determining the resource returning amount corresponding to each resource returning time point in the resource returning period corresponding to the resource interaction event according to the resource returning attribute information corresponding to the resource interaction event;

and generating resource return plan information for the resource interaction event according to the resource return time points and the resource return amounts corresponding to the resource return time points.

In one embodiment, the method further comprises:

acquiring historical resource return plan information in the target resource return account;

determining each resource returning time point of the historical resource returning plan information and a resource returning amount corresponding to each resource returning time point of the historical resource returning plan information according to the historical resource returning plan information;

and generating the resource return plan information aiming at the target resource return account according to each resource return time point in the resource return time period corresponding to the resource interaction event, the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event, each resource return time point of the historical resource return plan information and the resource return amount corresponding to each resource return time point of the historical resource return plan information.

In one embodiment, the generating the resource return plan information for the target resource return account according to each resource return time point in the resource return deadline corresponding to the resource interaction event, a resource return amount corresponding to each resource return time point in the resource return deadline corresponding to the resource interaction event, each resource return time point of the historical resource return plan information, and a resource return amount corresponding to each resource return time point of the historical resource return plan information includes:

according to a preset time ordering mode, ordering each resource returning time point in the resource returning period corresponding to the resource interaction event and each resource returning time point of the historical resource returning plan information to obtain a resource returning time line; the resource return timeline includes at least one resource return time point;

determining the total amount of the resource return for each resource return time point in the resource return time line according to the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event and the resource return amount corresponding to each resource return time point of the historical resource return plan information;

And generating resource return plan information for the target resource return account according to the resource return time line and the resource return total.

In a second aspect, the present application further provides a resource return plan information generating apparatus, including:

the attribute information determining module is used for acquiring a resource interaction message generated by a resource interaction event aiming at a target object, and determining resource return attribute information corresponding to the resource interaction event according to the resource interaction message; the resource return attribute information is used for recording at least one attribute information of a resource return rule corresponding to the resource interaction event;

the target account searching module is used for searching a target resource return account in the resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event; the resource return attribute information associated with the target resource return account is the same as the resource return attribute information corresponding to the resource interaction message;

the return plan creation module is used for creating resource return plan information aiming at the resource interaction event in the target resource return account; and the resource returning plan information characterizes resource returning indication information corresponding to each resource returning time point in the resource returning period.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory and a processor, the memory storing a computer program which, when executed by the processor, implements the steps of the method described above.

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of the method described above.

In a fifth aspect, the present application also provides a computer program product. The computer program product comprising a computer program which, when executed by a processor, implements the steps of the method described above.

The method, the device, the computer equipment, the storage medium and the computer program product for generating the resource return plan information are characterized in that after the resource interaction time aiming at the target object occurs, the resource interaction message generated by the resource interaction event aiming at the target object is obtained, and the resource return attribute information corresponding to the resource interaction event is determined according to the resource interaction message; determining a resource returning rule (such as at least one attribute information of a resource returning amount, a resource returning period, a resource returning amount adjustment coefficient or a resource returning mode) corresponding to the resource interaction event based on the resource returning attribute information; searching a target resource return account in a resource return account set associated with a target object according to the resource return attribute information corresponding to the resource interaction event, so that the resource interaction event is classified into a resource return account of a corresponding category based on whether the resource return attribute information associated with the target resource return account is the same as the resource return attribute information corresponding to the resource interaction message; the resource return plan information for the resource interaction event is created in the target resource return account, so that the resource return indication information corresponding to each resource return time point in the resource return period is determined based on the resource return plan information, the resource interaction message corresponding to each resource interaction event in the resource return period can be analyzed, the resource return attribute information corresponding to the resource interaction event can be determined, the resource interaction event is classified into the corresponding target resource return account by utilizing the resource return attribute information, the resource return plan information for the resource interaction event is created in the corresponding target resource return account, the resource return indication information corresponding to each resource return time point is determined based on the resource return plan information, the resource interaction message generated by the resource interaction event for the target object is utilized, the resource interaction attribute information corresponding to the resource interaction event is analyzed, and the resource interaction event is classified into the corresponding resource return account according to the resource interaction attribute information, so that the resource interaction plan for the resource interaction event is created in the resource return account, the pressure of the relevant resources such as the account is reduced, and the beneficial effect of improving the generation efficiency of the resource return indication information is achieved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the related art, the drawings that are required to be used in the embodiments or the related technical descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to the drawings without inventive effort for a person having ordinary skill in the art.

FIG. 1 is an application environment diagram of a method for generating resource return plan information in one embodiment;

FIG. 2 is a flow chart of a method for generating resource return plan information in one embodiment;

FIG. 3 is a flow diagram of another method for generating resource return plan information in one embodiment;

FIG. 4 is a block diagram showing a configuration of a resource return plan information generating apparatus in one embodiment;

fig. 5 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.

The resource return plan information generation method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. The server 104 obtains a resource interaction message generated by a resource interaction event aiming at a target object, and determines resource return attribute information corresponding to the resource interaction event according to the resource interaction message; the resource return attribute information is used for recording at least one attribute information of a resource return rule corresponding to the resource interaction event; the server 104 searches a target resource return account in a resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event; the resource return attribute information associated with the target resource return account is the same as the resource return attribute information corresponding to the resource interaction message; the server 104 creates resource return plan information for the resource interaction event in the target resource return account; the resource return plan information characterizes resource return indication information corresponding to each resource return time point in the resource return period. The terminal 102 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers.

In an exemplary embodiment, as shown in fig. 2, a method for generating resource return indication information is provided, and the method is described by taking the application of the method to the server in fig. 1 as an example, it can be understood that the method can also be applied to a terminal, and can also be applied to a system including the terminal and the server, and is implemented through interaction between the terminal and the server. In this embodiment, the method includes the steps of:

step S202, a resource interaction message generated by a resource interaction event aiming at a target object is obtained, and resource return attribute information corresponding to the resource interaction event is determined according to the resource interaction message.

The target object may refer to a resource interaction user, such as a banking user.

The resource interaction event may refer to an event that interacts a resource among a plurality of objects, and in practical application, the resource interaction event may include paying a related fee by using funds.

The resource interaction message may refer to data representing relevant information of a resource interaction event, in practical application, the message may be used as a data unit exchanged and transmitted in a network, that is, a data block to be sent by a station at one time, the message may include complete data information to be sent, and the length of the message is not limited and variable.

The resource return attribute information may be data of at least one attribute information of a resource return rule corresponding to the resource interaction event, where the resource return rule may include at least one of a resource return amount, a resource return term, a resource return amount adjustment coefficient, or a resource return manner, in practical application, the resource return amount may be a number of resources to be returned, the resource return term may be a time or a time limit of a resource return operation in a process of returning the resources to a specific object, the resource return amount adjustment coefficient may be a change rate (such as an interest rate) of the number of resources to be returned, and the resource return manner may be a manner (such as an equity principal or an equity principal) of returning the resources to the specific object.

As an example, after the target object completes the resource interaction event through the resource interaction platform (such as a bank), the resource interaction platform may generate a resource interaction message of the resource interaction event for the target object, the server obtains the resource interaction message generated by the resource interaction event for the target object, and the server determines the resource return attribute information corresponding to the resource interaction event by analyzing the information contained in the resource interaction message.

Step S204, searching a target resource return account in a resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event.

The set of resource return accounts associated with the target object may refer to a set formed by a plurality of resource return accounts owned by the target object, and in practical application, the target object has at least one associated resource return account, for example, 3 resource return accounts are associated under a name of a bank user.

The target resource return account may be an account for determining resource return plan information according to a resource interaction message of a resource interaction event for a target object, where in practical application, resource return attribute information associated with the target resource return account is the same as resource return attribute information corresponding to the resource interaction message.

As an example, to classify a resource interaction event based on the resource return attribute information corresponding to the resource interaction event, the server searches for a target resource return account in the resource return account set associated with the target object by comparing the resource return attribute information corresponding to each resource return account in the resource return account set associated with the target object with the resource return attribute information corresponding to the resource interaction event according to the resource return attribute information corresponding to the resource interaction event.

Step S206, resource return plan information for the resource interaction event is created in the target resource return account.

The resource return plan information may be information representing a manner according to which the resource return operation is performed, in practical application, the resource return plan information may represent resource return indication information corresponding to each resource return time point in the resource return deadline, and specifically, the resource return indication information corresponding to each resource return time point in the resource return deadline may be resource return quantity information (such as a resource return amount) corresponding to each resource return time point in the resource return deadline.

As an example, in the case that the target resource return account is found in the set of resource return accounts associated with the target object, the server creates resource return plan information for the resource interaction event in the target resource return account according to the resource interaction message for the resource interaction event of the target object.

In the method for generating the resource return instruction information, after the resource interaction time aiming at the target object occurs, the resource interaction message generated by the resource interaction event aiming at the target object is obtained, and the resource return attribute information corresponding to the resource interaction event is determined according to the resource interaction message; determining a resource returning rule (such as at least one attribute information of a resource returning amount, a resource returning period, a resource returning amount adjustment coefficient or a resource returning mode) corresponding to the resource interaction event based on the resource returning attribute information; searching a target resource return account in a resource return account set associated with a target object according to the resource return attribute information corresponding to the resource interaction event, so that the resource interaction event is classified into a resource return account of a corresponding category based on whether the resource return attribute information associated with the target resource return account is the same as the resource return attribute information corresponding to the resource interaction message; creating resource return plan information for the resource interaction event in the target resource return account, thereby determining resource return indication information corresponding to each resource return time point in the resource return period based on the resource return plan information, being capable of determining resource return attribute information corresponding to the resource interaction event by analyzing the resource return message generated for the resource interaction event of the target object, classifying the resource interaction event into the corresponding target resource return account by utilizing the resource return attribute information, creating resource return plan information for the resource interaction event in the corresponding target resource return account, determining resource return indication information corresponding to each resource return time point based on the resource return plan information, realizing utilization of the resource interaction message generated for the resource interaction event of the target object, analyzing the resource interaction attribute information corresponding to the resource interaction event, classifying the resource interaction event into the corresponding resource return account according to the resource interaction attribute information, thereby creating a resource interaction plan for the resource interaction event in the resource return account, reducing the pressure of related resources such as the account, achieving the beneficial effect of improving the generation efficiency of the resource return indication information,

In an exemplary embodiment, the method further comprises: generating a newly added resource return account under the condition that a target resource return account cannot be found in the resource return account set; resource return plan information for the resource interaction event is created in the newly added resource return account.

The newly added resource return account may refer to a resource return account newly added in the resource return account set, and in practical application, the resource return plan information in the newly added resource return account may represent resource return indication information corresponding to each resource return time point in the resource return period.

As an example, if the resource return account corresponding to the resource interaction event does not exist in the resource return account set associated with the target object by comparing the resource return attribute information corresponding to each resource return account in the resource return account set associated with the target object with the resource return attribute information corresponding to the resource interaction event, the server judges that the target resource return account cannot be found in the resource return account set, the server generates a newly added resource return account in the resource return account set, and the server creates resource return plan information for the resource interaction event in the newly added resource return account according to the resource interaction message for the resource interaction event of the target object.

In this embodiment, a newly added resource return account is generated under the condition that a target resource return account cannot be found in the resource return account set; the resource return plan information aiming at the resource interaction event is created in the newly added resource return account, so that when the target resource return account cannot be found, the newly added resource return account can avoid data omission caused by incomplete account types, ensure the integrity and the comprehensiveness of the resource return plan information, and achieve the beneficial effect of improving the accuracy of the resource return plan information.

In some embodiments, when the resource return attribute information corresponding to the resource interaction event includes a resource return amount adjustment coefficient and a resource return manner, searching for the target resource return account in the resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event includes: acquiring a resource return amount adjustment coefficient and a resource return mode corresponding to a candidate resource return account in a resource return account set; and under the condition that the resource return amount adjustment coefficient corresponding to the candidate resource return account is the same as the resource return amount adjustment coefficient in the resource return attribute information corresponding to the resource interaction event, and the resource return mode corresponding to the candidate resource return account is the same as the resource return mode in the resource return attribute information corresponding to the resource interaction event, the candidate resource return account is used as the target resource return account.

The candidate resource return account may refer to any one resource return account in the resource return account set associated with the target object.

The resource return amount adjustment coefficient may refer to information representing the quantity or amount change trend of the resource, and in practical application, the resource return amount adjustment coefficient may include an interest rate.

The resource return mode may be a mode according to which a return operation is performed on the resource, and in practical application, the resource return mode may include an equal cost and an equal cost.

As an example, in the case that the resource return amount adjustment coefficient and the resource return manner in the resource return attribute information are classified as the preconditions, the server acquires the resource return amount adjustment coefficient and the resource return manner corresponding to the candidate resource return account in the resource return account set, the server compares the resource return amount adjustment coefficient corresponding to the candidate resource return account with the resource return amount adjustment coefficient in the resource return attribute information corresponding to the resource interaction event, the server further compares the resource return manner corresponding to the candidate resource return account with the resource return manner in the resource return attribute information corresponding to the resource interaction event, and in the case that the resource return amount adjustment coefficient corresponding to the candidate resource return account is the same as the resource return amount adjustment coefficient in the resource return attribute information corresponding to the resource interaction event, and the resource return manner corresponding to the candidate resource return account is the same as the resource return manner in the resource return attribute information corresponding to the resource interaction event, the server determines that the candidate resource return account is the target account and the target resource return account is searched for in the target account set.

In the embodiment, the resource return amount adjustment coefficient and the resource return mode corresponding to the candidate resource return account in the resource return account set are obtained; and under the condition that the resource return amount adjustment coefficient corresponding to the candidate resource return account is the same as the resource return amount adjustment coefficient in the resource return attribute information corresponding to the resource interaction event and the resource return mode corresponding to the candidate resource return account is the same as the resource return mode in the resource return attribute information corresponding to the resource interaction event, the candidate resource return account is used as the target resource return account, and the target resource return account can be accurately searched from the candidate resource return account in the resource return account set based on the resource return amount adjustment coefficient and the resource return mode in the resource return attribute information, so that the beneficial effect of improving the accuracy of the searching result of the target resource return account is achieved.

In some embodiments, creating resource return plan information for a resource interaction event in a target resource return account includes: determining the resource returning amount corresponding to each resource returning time point in the resource returning period corresponding to the resource interaction event according to the resource returning attribute information corresponding to the resource interaction event; and generating resource returning plan information for the resource interaction event according to the resource returning amount corresponding to each resource returning time point and each resource returning time point.

The resource return term corresponding to the resource interaction event may refer to time or time limit of a resource return operation in a process of returning the resource to the specific object, and in practical application, the resource return term corresponding to the resource interaction event may include a plurality of resource return time points.

In practical application, the resource return time limit for the resource interaction event a (for example, consumption branch) is 12 months, and the resource return time point in the resource return time limit may be set to 25 days per month, and further, the resource return time point in the resource return time limit may be flexibly adjusted based on actual requirements.

The resource return amount corresponding to each resource return time point in the resource return period corresponding to the resource interaction event may refer to the number of resources that should be subjected to return operation when reaching each resource return time point, and in practical application, the resource return amount corresponding to each resource return time point in the resource return period corresponding to the resource interaction event may include a month supply amount.

As an example, the server determines, according to the resource return attribute information corresponding to the resource interaction event, a resource return amount corresponding to each resource return time point in the resource return period corresponding to the resource interaction event, and generates, according to the resource return time points and the resource return amounts corresponding to the resource return time points, resource return plan information for the resource interaction event, for example: the resource interaction event a (for example, consumption branch) occurs in 1 month and 1 day of 2005, 1000 units of resources are consumed, the resource return time limit for the resource interaction event is 5 months, the resource return time point in the resource return time limit can be set to 25 days of each month, the resource return amount corresponding to each resource return time point can be 200 units of resources, and then the resource return plan information for the resource interaction event a can be expressed as a resource return plan table, specifically, the resource return plan table can be expressed as the following table 1:

TABLE 1

Target resource return account	Resource return time point	Resource return amount
			Resource return schedule	1 month 25 days 2005	200
	2.25.2005	200
				2005, 3 and 25 days	200
	2005, 4 and 25 days	200
				2005, 5 and 25 days	200

Further, when the resource interaction mode corresponding to the resource interaction event a is an equal cost mode, the resource return plan information (resource return plan table) for the resource interaction event a may be updated as follows in table 2:

TABLE 2

Target resource return account	Resource return time point	Resource return amount
			Resource return schedule	1 month 25 days 2005	200+ interest
	2.25.2005	200+ interest
				2005, 3 and 25 days	200+ interest
	2005, 4 and 25 days	200+ interest
				2005, 5 and 25 days	200+ interest

Where interest may refer to the amount of resources generated or newly added by the target resource return account of the target object during the resource return period.

In this embodiment, a resource return amount corresponding to each resource return time point in a resource return period corresponding to a resource interaction event is determined according to resource return attribute information corresponding to the resource interaction event; according to the resource return amounts corresponding to the resource return time points, resource return plan information aiming at the resource interaction event is generated, the resource return amounts corresponding to the resource return time points can be counted and calculated in detail based on the resource return attribute information corresponding to the resource interaction event, complete and comprehensive resource return plan information is generated, and the beneficial effect of improving the accuracy of the resource return plan information is achieved.

In some embodiments, the above method further comprises: acquiring historical resource return plan information in a target resource return account; according to the historical resource returning plan information, determining each resource returning time point of the historical resource returning plan information and the resource returning amount corresponding to each resource returning time point of the historical resource returning plan information; and generating the resource return plan information aiming at the target resource return account according to each resource return time point in the resource return time period corresponding to the resource interaction event, the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event, each resource return time point of the historical resource return plan information and the resource return amount corresponding to each resource return time point of the historical resource return plan information.

The historical resource return plan information may refer to resource return plan information of the target resource return account for the historical resource interaction event in the historical time.

The time points of the historical resource return schedule information may refer to time nodes in a resource return period corresponding to the historical resource interaction event, and in practical application, the time points of the historical resource return schedule information and the time points of the resource return schedule information may be set to 25 days per month, for example: the historical resource interaction event A0 occurs on 12/1/2004, and each resource return time point of the historical resource return plan information can be expressed as 12/25/2004, 25/2005, and 25/2005.

The resource return amount corresponding to each resource return time point of the historical resource return plan information may refer to the number of resources that should be subjected to a return operation when each resource return time point of the historical resource return plan information is reached.

The resource return plan information for the target resource return account may refer to resource return plan information obtained by summarizing and sorting resource return plan information corresponding to a plurality of resource interaction events corresponding to the target resource return account.

As an example, the server obtains the historical resource return plan information in the target resource return account, the server determines each resource return time point of the historical resource return plan information (e.g., month 25 in 2004, month 25 in 2005) and the resource return amount (e.g., 100 units of resources) corresponding to each resource return time point of the historical resource return plan information according to the historical resource return plan information, and the server calculates the total sum of the resource return amounts for each resource return time point in the resource return period according to each resource return time point of the resource interaction event (e.g., month 25 in 2005, month 2 in 2005, month 25 in 2005, month 4 in 2005, month 25 in 2005), the resource return amount (e.g., 200 units of resources) corresponding to each resource return time point of the resource return period corresponding to the resource interaction event, each resource return time point of the historical resource return plan information, and each resource return time point of the historical resource return plan information.

In the embodiment, historical resource return plan information in the target resource return account is acquired; according to the historical resource returning plan information, determining each resource returning time point of the historical resource returning plan information and the resource returning amount corresponding to each resource returning time point of the historical resource returning plan information; according to each resource returning time point in the resource returning period corresponding to the resource interaction event, the resource returning amount corresponding to each resource returning time point in the resource returning period corresponding to the resource interaction event, each resource returning time point of the historical resource returning plan information and the resource returning amount corresponding to each resource returning time point of the historical resource returning plan information, the resource returning plan information aiming at the target resource returning account is generated, the historical resource returning plan information aiming at the historical resource interaction event and the resource returning plan information aiming at the resource interaction event can be combined, the sum of the resource returning time points and the resource returning amounts corresponding to each resource returning time point is carried out, the resource returning plan information aiming at the target resource returning account is determined, the resource returning plan information aiming at different types is determined in a layering mode, and the beneficial effects of improving the accuracy and layering of the resource returning plus information are achieved.

In some embodiments, generating the resource return plan information for the target resource return account according to each resource return time point in the resource return deadline corresponding to the resource interaction event, a resource return amount corresponding to each resource return time point in the resource return deadline corresponding to the resource interaction event, each resource return time point of the historical resource return plan information, and a resource return amount corresponding to each resource return time point of the historical resource return plan information, includes: according to a preset time ordering mode, ordering each resource returning time point in the resource returning period corresponding to the resource interaction event and each resource returning time point of the historical resource returning plan information to obtain a resource returning time line; determining the total amount of the resource return for each resource return time point in the resource return time line according to the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event and the resource return amount corresponding to each resource return time point of the historical resource return plan information; and generating resource return plan information aiming at the target resource return account according to the resource return time line and the total sum of the resource returns.

The preset time ordering mode may be a preset mode for ordering the resource return time points, and in practical application, the preset time ordering mode may be an ordering mode including events from front to back.

The resource return timeline may refer to a timeline formed by each resource return time point in a resource return period corresponding to the resource interaction event and each resource return time point of the historical resource return plan information, and in practical application, the resource return timeline may include at least one resource return time point.

Wherein each resource return time point in the resource return timeline may refer to each time node in the resource return timeline.

The total amount of the resource return at each resource return time point in the resource return time line may refer to a total amount of the resource return corresponding to each time node in the resource return time line, which is obtained by combining the determination of the total amount of the resource return of the resource interaction event and the historical resource interaction event, and in practical application, when the resource return time point in the resource return period corresponding to the resource interaction event is the same as the resource return time point of the historical resource return plan information, the total amount of the resource return corresponding to the resource interaction event and the total amount of the resource return corresponding to the historical resource interaction event at the resource return time point are summed to obtain the total amount of the resource return corresponding to the resource return time point.

As an example, each resource return time point of the historical resource return plan information may be represented as 12 months 25 days in 2004, 25 days in 1 month in 2005, and 25 days in 2 months in 2005, the resource return amount corresponding to each resource return time point of the historical resource return plan information may be represented as 100 units of resources, each resource return time point in the resource return deadline corresponding to the resource interaction event may be represented as 25 days in 1 month in 2005, 25 days in 2 months in 2005, 25 days in 3 months in 2005, 25 days in 4 months in 2005, and 25 days in 5 months in 2005, the resource return amount corresponding to each resource return time point in the resource return deadline corresponding to the resource interaction event may be represented as 200 units of resources, the server sorts each resource return time point in the resource return deadline corresponding to the resource interaction event and each resource return time point in the historical resource return plan information in a preset time sorting manner, and the obtained resource return time line may be represented as: the resource return amount for each resource return time point in the resource return timeline is determined from the resource return amount corresponding to each resource return time point in the resource return period corresponding to the resource interaction event and the resource return amount corresponding to each resource return time point of the history resource return plan information, for example: for the 12 th month 25 of 2004, the resource return amount corresponding to the resource return time point in the resource return time line may be represented as 100+0=100 units of resources, for the 25 th month 2005, the resource return amount corresponding to the resource return time point in the resource return time line may be represented as 100+200=300 units of resources, and for the 25 th month 2005, the resource return amount corresponding to the resource return time point in the resource return time line may be represented as 0+200=200 units of resources; and the server generates resource return plan information aiming at the target resource return account according to the resource return time line and the total sum of the resource returns.

In this embodiment, sorting is performed on each resource return time point in the resource return deadline corresponding to the resource interaction event and each resource return time point of the historical resource return plan information according to a preset time sorting mode, so as to obtain a resource return timeline; determining the total amount of the resource return for each resource return time point in the resource return time line according to the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event and the resource return amount corresponding to each resource return time point of the historical resource return plan information; according to the resource return time line and the resource return total amount, resource return plan information aiming at a target resource return account is generated, the resource return amounts corresponding to the resource return time points of the resource interaction event and the historical resource interaction event can be carefully analyzed, the resource return total amount corresponding to each resource return time point is summarized, accurate resource return plan information aiming at the target resource return account is obtained, and the beneficial effect of improving the accuracy of the resource return plan information is achieved.

In some embodiments, the above method further comprises: under the condition that the target time point is the same as the resource returning time point in the resource returning time line, determining resources to be returned for the target resource returning account according to the total amount of the resource returning corresponding to the resource returning time point; and returning the resources to be returned according to a preset resource returning mode.

The target time point may be a time point representing the current time.

The to-be-restored resource for the target resource restoring account may refer to a resource that needs to be restored corresponding to the target resource restoring account.

The preset resource return mode may refer to a mode adopted by returning the resource to the specific object.

The return operation may refer to an operation of returning the resource to a specific object, and in practical application, the return operation may include an operation of transferring the resource to a specific location (such as repayment).

As an example, in the case that the target time point is the same as the resource return time point in the resource return time line, the server determines that the resource return operation needs to be performed at this time, determines the amount information of the resources to be returned for the target resource return account according to the total amount of the resources to be returned corresponding to the resource return time point in the resource return time line, and returns the corresponding amount of the resources to be returned to the specific object according to a preset resource return mode.

In some embodiments, as shown in fig. 3, a flow chart of a method for generating resource return plan information is provided, a target object completes a resource interaction event a (such as consumption branches) through a resource interaction platform (such as a bank), the resource interaction event a completes resources of 1000 units in total, a resource return term for the resource interaction event is 5 months (i.e. stage 5), a resource return mode is an equal-cost payment mode, a resource return amount adjustment coefficient, i.e. a utilization rate, is 6.1%, the resource interaction platform can generate a resource interaction message of the resource interaction event a for the target object, a server acquires the resource interaction message generated by the resource interaction event a for the target object, the server determines resource return attribute information corresponding to the resource interaction event a by analyzing information contained in the resource interaction message, the server searches a target resource return account set corresponding to the resource interaction event a in a resource return account set corresponding to the resource return amount adjustment coefficient and the resource return mode as classification criteria, and creates a target resource return account set corresponding to the resource interaction event C1 according to the resource return account set, and the server creates a specific resource for the target account interaction event 1 can be specific resource in response to the target account event 1X 1 by analyzing information contained in the resource interaction message, and the target account information corresponds to the target account 1X 1:

TABLE 3 Table 3

Resource return account C1	Resource return time point	Resource return amount
			Resource return schedule	1 month 25 days 2005	200+ interest
	2.25.2005	200+ interest
				2005, 3 and 25 days	200+ interest
	2005, 4 and 25 days	200+ interest
				2005, 5 and 25 days	200+ interest

The target object completes the resource interaction event B (for example, consumption branch) on 1 month 1 of 2023 through a resource interaction platform (for example, bank), 500 units of resources are consumed altogether, the resource return term for the resource interaction event is 2 months (namely, stage 2), the resource return mode is an equal-amount deposit repayment mode, the resource return amount adjustment coefficient is the interest rate is 7.1%, if the target resource return account corresponding to the resource interaction event B is not found in the resource return account set associated with the target object, the server generates a newly added resource return account C2 corresponding to the resource interaction event B in the resource return account set associated with the target object, resource return plan information X2 for the resource interaction event B is created in the newly added resource return account C2, the resource return amount corresponding to the resource interaction event B is 300 units of resources, specifically, the resource return plan information X2 for the resource interaction event B can be expressed as the following table 4:

TABLE 4 Table 4

Resource return account C2	Resource return time point	Resource return amount
			Resource return schedule	1 month 25 days 2005	300
	2.25.2005	300

The target object completes the resource interaction event C (such as consumption support) on 1 month 2 days of 2023 through a resource interaction platform (such as a bank), 1000 units of resources are consumed altogether, the resource return period for the resource interaction event is 3 months (namely stage 3), the resource return mode is an equal-amount deposit repayment mode, the resource return amount adjustment coefficient is that the interest rate is 7.1%, the resource return amount corresponding to the resource interaction event C, namely the resource with the month supply amount of 337.29 units, is calculated according to an equal-amount deposit formula, the target resource return account corresponding to the resource interaction event C is found in the resource return account set associated with the target object, namely the resource return account C2, the resource return plan information X3 for the resource interaction event C is created in the resource return account C2, and specifically, the resource return plan information X3 for the resource return account C2 can be expressed as the following table 5:

TABLE 5

Resource return account C2	Resource return time point	Resource return amount
			Resource return schedule	1 month 25 days 2005	300+337.29
	2.25.2005	300+337.29
				2005, 3 and 25 days	0+337.29

The target object completes the resource interaction event D (for example, consuming a branch) on 1 month 11 of 2023 through a resource interaction platform (for example, a bank), consumes 200 units of resources in total, pays off due to expiration, and the resource return amount adjustment coefficient, that is, the interest rate, is 6.1%, and the target resource return account corresponding to the resource interaction event D, that is, the resource return account C1, is found in the resource return account set associated with the target object, then the resource return plan information X4 for the resource interaction event D is created in the resource return account C1, specifically, the resource return plan information X4 for the resource return account C1 may be expressed as the following table 6:

TABLE 6

Resource return account C1	Resource return time point	Resource return amount
			Resource return schedule	1 month 25 days 2005	200+200+ interest
	2.25.2005	200+ interest
				2005, 3 and 25 days	200+ interest
	2005, 4 and 25 days	200+ interest
				2005, 5 and 25 days	200+ interest

In this embodiment, by classifying different types of resource interaction events based on the resource return amount adjustment coefficient and the resource return mode in the resource return attribute information and summarizing the resource return plan information corresponding to the same type of resource interaction event, the resource return plan information corresponding to each type of resource interaction event can be recorded by using limited account resources, and consumption loan scenes under different amounts, different period numbers and different interest rates can be supported by using a small number of accounts.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a resource return plan information generating device for realizing the above related resource return plan information generating method. The implementation scheme of the solution provided by the device is similar to the implementation scheme recorded in the method, so the specific limitation in the embodiments of the one or more resource return plan information generating devices provided below can be referred to the limitation of the resource return plan information generating method hereinabove, and will not be repeated here.

In an exemplary embodiment, as shown in fig. 4, there is provided a resource return plan information generating apparatus including: an attribute information determination module 402, a target account lookup module 404, and a return plan creation module 406, wherein:

the attribute information determining module 402 is configured to obtain a resource interaction message generated by a resource interaction event for a target object, and determine resource return attribute information corresponding to the resource interaction event according to the resource interaction message; the resource return attribute information is used for recording at least one attribute information of a resource return rule corresponding to the resource interaction event.

The target account searching module 404 is configured to search a target resource return account in the resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event; and the resource return attribute information associated with the target resource return account is the same as the resource return attribute information corresponding to the resource interaction message.

A return plan creation module 406 for creating resource return plan information for the resource interaction event in the target resource return account; and the resource returning plan information characterizes resource returning indication information corresponding to each resource returning time point in the resource returning period.

In an exemplary embodiment, the apparatus further includes an account adding module, where the account adding module is specifically configured to generate a new resource return account if the target resource return account cannot be found in the resource return account set; establishing resource return plan information for the resource interaction event in the newly added resource return account; and the resource returning plan information characterizes resource returning indication information corresponding to each resource returning time point in the resource returning period.

In an exemplary embodiment, in the case that the resource return attribute information corresponding to the resource interaction event includes a resource return amount adjustment coefficient and a resource return manner, the target account searching module 404 is specifically further configured to obtain the resource return amount adjustment coefficient and the resource return manner corresponding to the candidate resource return account in the resource return account set; and under the condition that the resource return amount adjustment coefficient corresponding to the candidate resource return account is the same as the resource return amount adjustment coefficient in the resource return attribute information corresponding to the resource interaction event, and the resource return mode corresponding to the candidate resource return account is the same as the resource return mode in the resource return attribute information corresponding to the resource interaction event, the candidate resource return account is used as the target resource return account.

In an exemplary embodiment, the above-mentioned return plan creation module 406 is specifically further configured to determine, according to the resource return attribute information corresponding to the resource interaction event, a resource return amount corresponding to each resource return time point in the resource return period corresponding to the resource interaction event; and generating resource return plan information for the resource interaction event according to the resource return time points and the resource return amounts corresponding to the resource return time points.

In an exemplary embodiment, the apparatus further includes a return plan summary module, where the return plan summary module is specifically configured to obtain historical resource return plan information in the target resource return account; determining each resource returning time point of the historical resource returning plan information and a resource returning amount corresponding to each resource returning time point of the historical resource returning plan information according to the historical resource returning plan information; and generating the resource return plan information aiming at the target resource return account according to each resource return time point in the resource return time period corresponding to the resource interaction event, the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event, each resource return time point of the historical resource return plan information and the resource return amount corresponding to each resource return time point of the historical resource return plan information.

In an exemplary embodiment, the above-mentioned returning plan summarizing module is specifically further configured to sort, according to a preset time sorting manner, each resource returning time point in the resource returning deadline corresponding to the resource interaction event and each resource returning time point of the historical resource returning plan information, so as to obtain a resource returning timeline; the resource return timeline includes at least one resource return time point; determining the total amount of the resource return for each resource return time point in the resource return time line according to the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event and the resource return amount corresponding to each resource return time point of the historical resource return plan information; and generating resource return plan information for the target resource return account according to the resource return time line and the resource return total.

The above-described respective modules in the resource return instruction information generating apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one exemplary embodiment, a computer device is provided, which may be a terminal, and an internal structure diagram thereof may be as shown in fig. 5. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program, when executed by a processor, implements a resource return plan information generating method. The display unit of the computer device is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by those skilled in the art that the structure shown in fig. 5 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.

In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.

In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.

It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use, and processing of the related data are required to meet the related regulations.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims

1. A resource return plan information generation method, the method comprising:

2. The method according to claim 1, wherein the method further comprises:

3. The method according to claim 1, wherein, in the case where the resource return attribute information corresponding to the resource interaction event includes a resource return amount adjustment coefficient and a resource return manner, the searching for the target resource return account in the resource return account set associated with the target object according to the resource return attribute information corresponding to the resource interaction event includes:

4. The method of claim 1, wherein creating resource return plan information for the resource interaction event in the target resource return account comprises:

5. The method according to claim 4, wherein the method further comprises:

6. The method according to claim 5, wherein the generating the resource return plan information for the target resource return account according to each resource return time point in the resource return deadline corresponding to the resource interaction event, the resource return amount corresponding to each resource return time point in the resource return deadline corresponding to the resource interaction event, each resource return time point of the historical resource return plan information, and the resource return amount corresponding to each resource return time point of the historical resource return plan information includes:

7. A resource return plan information generating apparatus, the apparatus comprising:

8. The apparatus of claim 7, further comprising an account addition module to generate an added resource return account if the target resource return account cannot be found in the set of resource return accounts; establishing resource return plan information for the resource interaction event in the newly added resource return account; and the resource returning plan information characterizes resource returning indication information corresponding to each resource returning time point in the resource returning period.

9. The apparatus of claim 7, wherein, in the case where the resource return attribute information corresponding to the resource interaction event includes a resource return amount adjustment coefficient and a resource return manner, the target account lookup module is further configured to obtain a resource return amount adjustment coefficient and a resource return manner corresponding to a candidate resource return account in the resource return account set; and under the condition that the resource return amount adjustment coefficient corresponding to the candidate resource return account is the same as the resource return amount adjustment coefficient in the resource return attribute information corresponding to the resource interaction event, and the resource return mode corresponding to the candidate resource return account is the same as the resource return mode in the resource return attribute information corresponding to the resource interaction event, the candidate resource return account is used as the target resource return account.

10. The apparatus of claim 7, wherein the return plan creation module is further configured to determine a resource return amount corresponding to each resource return time point in a resource return deadline corresponding to the resource interaction event according to the resource return attribute information corresponding to the resource interaction event; and generating resource return plan information for the resource interaction event according to the resource return time points and the resource return amounts corresponding to the resource return time points.

11. The apparatus of claim 10, further comprising a return plan summary module to obtain historical resource return plan information in the target resource return account; determining each resource returning time point of the historical resource returning plan information and a resource returning amount corresponding to each resource returning time point of the historical resource returning plan information according to the historical resource returning plan information; and generating the resource return plan information aiming at the target resource return account according to each resource return time point in the resource return time period corresponding to the resource interaction event, the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event, each resource return time point of the historical resource return plan information and the resource return amount corresponding to each resource return time point of the historical resource return plan information.

12. The apparatus of claim 11, wherein the return plan summary module is further configured to sort, according to a preset time sorting manner, each resource return time point in a resource return deadline corresponding to the resource interaction event and each resource return time point of the historical resource return plan information, so as to obtain a resource return timeline; the resource return timeline includes at least one resource return time point; determining the total amount of the resource return for each resource return time point in the resource return time line according to the resource return amount corresponding to each resource return time point in the resource return time period corresponding to the resource interaction event and the resource return amount corresponding to each resource return time point of the historical resource return plan information; and generating resource return plan information for the target resource return account according to the resource return time line and the resource return total.

13. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.

14. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.

15. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.