A resource business processing system and method

Abstract

The present invention discloses a resource business processing system and method, and relates to the field of Internet technology. A specific implementation of the system includes: a user end, an item provider end, and a resource provider end; the user end is used to send an item request to the item provider end, and send a resource request to the resource provider end, and the resource request indicates the identity information of the user corresponding to the user end; the item provider end is used to generate an order according to the item request, and send the order to the resource provider end; the resource provider end is used to determine whether the user has a corresponding order according to the identity information, and if so, determine the first resource quota corresponding to the identity information; respond to the resource request according to the first resource quota. This implementation method can automatically complete the verification and approval process of user identity information, order information and other materials, and can respond to the resource request of the user end in a timely manner, reducing the time for users to wait for the release of resources and improving user experience.

Description

Technical Field

[0001] The present invention relates to the field of Internet technology, and in particular to a resource business processing system and method. Background Art

[0002] As the consumption demand of users grows, more and more users choose to consume with loans when making large purchases. Currently, when applying for a loan, users need to submit information to the account manager, who will then enter the information into the system, and other staff will then verify and approve the information. Only after approval can users enjoy the loan service.

[0003] In the process of implementing the present invention, the inventors found that there are at least the following problems in the prior art:

[0004] The traditional loan method not only requires the account manager to manually enter the user's information into the system, which is time-consuming and labor-intensive, but also requires other staff to verify and approve the information. The process is complicated and tedious, and users have to wait a long time from submitting information to obtaining a loan, which affects the user experience. Summary of the invention

[0005] In view of this, an embodiment of the present invention provides a resource business processing system and method, which includes a user end, an item provider end and a resource provider end. After receiving an item request from the user end, the item provider end can generate an order and send the order to the resource provider end. After receiving the resource request from the user end and determining that the user has a corresponding order based on the order sent by the item provider end, the resource provider end can determine the first resource quota corresponding to the user's identity information, and respond to the resource request based on the first resource quota, thereby automatically completing the verification and approval process of user identity information, order information and other materials, and being able to respond to the user end's resource request in a timely manner, reducing the time the user waits for resource issuance and improving user experience.

[0006] To achieve the above objective, according to one aspect of an embodiment of the present invention, a resource service processing system is provided.

[0007] A resource service processing system according to an embodiment of the present invention comprises: a user terminal, an item provider terminal and a resource provider terminal; wherein:

[0008] The user end is used to send an item request to the item provider, the item request includes: contract information related to the item to be requested and the total amount of resources corresponding to the item; send a resource request to the resource provider, the resource request indicates the identity information of the user corresponding to the user end;

[0009] The item provider is used to generate an order based on the item request and send the order to the resource provider; determine whether to provide the item to the user based on the response of the resource provider to the resource request;

[0010] The resource provider is used to determine whether the user has a corresponding order based on the identity information, and if so, determine the first resource quota corresponding to the identity information; and respond to the resource request based on the first resource quota.

[0011] Optionally,

[0012] The resource request also indicates: a second resource quota corresponding to the contract information used by the user;

[0013] The resource provider is used to calculate the first difference between the total resource amount and the second resource amount, and determine whether the second difference between the first resource amount and the first difference is greater than a preset threshold; if so, determine that the user has the qualifications corresponding to the execution contract information; and respond to the resource request based on the qualifications.

[0014] Optionally,

[0015] The item provider is used to provide items to users according to the qualifications responded by the resource provider.

[0016] Optionally,

[0017] The resource provider is further configured to distribute resources to the item provider according to the first difference when it is determined that the second difference is greater than a preset threshold.

[0018] Optionally,

[0019] The user end is used to provide resources corresponding to the second resource quota to the item provider end according to the response of the resource provider end to the resource request;

[0020] The item provider is used to update the order status to a signed status after receiving the resources corresponding to the second resource quota, and send the order with the updated status to the resource provider;

[0021] The resource provider is used to release resources to the item provider when receiving an order with an updated status.

[0022] Optionally,

[0023] The resource provider is used to release the frozen resource to the item provider when receiving the order with updated status; and update the resource status to available status when receiving the second confirmation information sent by the user;

[0024] The user end is used to receive first confirmation information input by the user; and send second confirmation information to the resource provider according to the first confirmation information.

[0025] Optionally,

[0026] The resource provider is further configured to generate a resource collection strategy corresponding to the user according to the user information and the first difference, and send the resource collection strategy to the user.

[0027] Optionally,

[0028] The resource collection strategy includes: information of the corresponding stored order, identity information, and the total amount to be collected.

[0029] Optionally,

[0030] The resource collection strategy also includes: a collection cycle of resources corresponding to the total amount to be collected and a collection amount corresponding to each collection cycle;

[0031] The user end is used to provide resources to the resource provider end according to the collection cycle and collection amount;

[0032] The resource provider is used to update the total amount to be collected according to the received resources in each collection cycle.

[0033] Optionally,

[0034] The resource provider is used to generate credit abnormality information corresponding to the user information in any collection cycle when the collected resources are less than the collection amount, and upload the credit abnormality information to the credit system.

[0035] Optionally,

[0036] The resource provider is used to make a resource access judgment on the user according to the identity information to determine whether the user is qualified to apply for resources; when it is determined that the user is not qualified to apply for resources, the first resource quota is determined to be zero.

[0037] Optionally,

[0038] The resource provider is used to determine whether the identity information includes: a first deduction account and the first guarantee information provided by the item provider; when the identity information does not include the first deduction account or the first guarantee information, it is determined that the user is not eligible to apply for resources; when the identity information includes the first deduction account and the first guarantee information, it is determined that the user is eligible to apply for resources.

[0039] Optionally,

[0040] The resource provider is also used to obtain the second guarantee information of the item provider after generating the resource collection strategy; determine whether there are risk items related to the resource collection strategy based on the first guarantee information and the second guarantee information; if so, obtain the resources corresponding to the latest total amount to be collected from the item provider and / or the first deduction account based on the latest total amount to be collected.

[0041] Optionally,

[0042] The resource provider is used to obtain resources corresponding to the available amount from the first deduction account when the available amount of the first deduction account is less than the latest total amount to be collected, and to obtain resources corresponding to the difference between the total amount to be collected and the available amount from the service provider.

[0043] Optionally,

[0044] The resource provider is also used to send promotion information to the user terminal and monitor whether the user terminal forwards the promotion information; if so, reward resources are issued to the user terminal according to the forwarding information corresponding to the promotion information.

[0045] Optionally,

[0046] The resource provider is also used to determine the source information corresponding to the resource request, and when the source information indicates that the resource request comes from the promotion information, the reward resource is issued to the user.

[0047] Optionally,

[0048] The user end corresponds to a user terminal of the vehicle to be acquired, the item request is an acquisition request for the vehicle, and the total amount of resources corresponds to the price of the vehicle to be acquired;

[0049] The item providing end corresponds to a device for providing a vehicle.

[0050] To achieve the above objective, according to one aspect of an embodiment of the present invention, a resource service processing method is provided.

[0051] A resource service processing method according to an embodiment of the present invention includes:

[0052] The user end of the resource business processing system sends an item request to the item provider end, the item request includes: contract information related to the item to be requested and the total amount of resources corresponding to the item; and sends a resource request to the resource provider end, the resource request indicates the identity information of the user corresponding to the user end;

[0053] The item provider of the resource business processing system generates an order based on the item request and sends the order to the resource provider;

[0054] The resource provider of the resource business processing system determines whether the user has a corresponding order based on the identity information, and if so, determines the first resource quota corresponding to the identity information; and responds to the resource request based on the first resource quota;

[0055] The item provider determines whether to provide the item to the user based on the response of the resource provider to the resource request.

[0056] To achieve the above objective, according to another aspect of an embodiment of the present invention, a resource service processing electronic device is provided.

[0057] A resource business processing electronic device according to an embodiment of the present invention comprises: one or more processors; a storage device for storing one or more programs, and when the one or more programs are executed by one or more processors, the one or more processors implement a resource business processing method according to an embodiment of the present invention.

[0058] To achieve the above objective, according to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided.

[0059] A computer-readable storage medium according to an embodiment of the present invention stores a computer program, and when the program is executed by a processor, a resource service processing method according to an embodiment of the present invention is implemented.

[0060] An embodiment of the above invention has the following advantages or beneficial effects: after receiving an item request from a user, the item provider can generate an order and send the order to the resource provider. After receiving a resource request from the user and determining that the user has a corresponding order based on the order sent by the item provider, the resource provider can determine the first resource quota corresponding to the user's identity information and respond to the resource request based on the first resource quota, thereby automatically completing the verification and approval process of user identity information, order information and other materials, and being able to respond to the user's resource request in a timely manner, reducing the time the user waits for resource release and improving the user experience.

[0061] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0062] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0063] Figure 1 is a schematic diagram of main modules of a resource service processing system according to an embodiment of the present invention;

[0064] Figure 2 is a schematic diagram of main steps of a resource service processing method according to an embodiment of the present invention;

[0065] Figure 3 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0066] Figure 4 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0067] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0068] It should be pointed out that the embodiments of the present invention and the technical features therein may be combined with each other without conflict.

[0069] Figure 1 It is a schematic diagram of main modules of a resource service processing system according to an embodiment of the present invention.

[0070] like Figure 1 As shown, a resource business processing system 100 according to an embodiment of the present invention includes: a user terminal 101, an item provider terminal 102 and a resource provider terminal 103; wherein,

[0071] The user terminal 101 is used to send an item request to the item provider 102, the item request including: contract information related to the item to be requested and the total amount of resources corresponding to the item; send a resource request to the resource provider 103, the resource request indicating the identity information of the user corresponding to the user terminal;

[0072] The item provider 102 is used to generate an order according to the item request and send the order to the resource provider 103; according to the response of the resource provider 103 to the resource request, determine whether to provide the item to the user;

[0073] The resource provider 103 is used to determine whether the user has a corresponding order based on the identity information, and if so, determine the first resource quota corresponding to the identity information; and respond to the resource request based on the first resource quota.

[0074] In the embodiment of the present invention, the user end 101 may correspond to a user terminal of a vehicle to be acquired, the item request is a request for acquiring a vehicle, and the total amount of resources corresponds to the price of the vehicle to be acquired; the item provider end 102 may correspond to a device for providing a vehicle.

[0075] In the embodiment of the present invention, the resource provider 103 may correspond to a device for issuing loans by a bank, and the first resource amount is the amount that the user can borrow determined based on the user's identity information.

[0076] In an embodiment of the present invention, the resource request also indicates: the second resource quota corresponding to the execution contract information used by the user; the resource provider 103 is further used to: calculate the first difference between the total resource amount and the second resource quota, and determine whether the second difference between the first resource quota and the first difference is greater than a preset threshold; if so, determine that the user has the qualifications corresponding to the execution contract information; and respond to the resource request based on the qualifications.

[0077] In the embodiment of the present invention, the second resource amount indicated in the resource request may correspond to the down payment amount of the user.

[0078] In an embodiment of the present invention, when the resource provider determines that the user is eligible for interest-free payment based on the user's identity information, the preset threshold may be 0.

[0079] In the embodiment of the present invention, the item provider 102 is further configured to provide items to the user according to the qualifications responded by the resource provider.

[0080] In the embodiment of the present invention, the item provider 102 may send the item to the user through logistics, or may send the pick-up information to the user, etc., to provide the item to the user.

[0081] In the embodiment of the present invention, the resource provider 103 is further configured to: when it is determined that the second difference is greater than a preset threshold, distribute resources to the item provider according to the first difference.

[0082] In an embodiment of the present invention, the user end 101 is further used to: provide resources corresponding to the second resource quota to the item provider according to the response of the resource provider to the resource request; the item provider 102 is further used to: after receiving the resources corresponding to the second resource quota, update the status of the order to a signed status, and send the order with the updated status to the resource provider; the resource provider 103 is further used to: when receiving the order with the updated status, issue resources to the item provider.

[0083] In an embodiment of the present invention, the resource provider 103 is further used to: upon receiving an order with an updated status, issue resources in a frozen state to the item provider; upon receiving a second confirmation message sent by the user end, update the status of the resources to an available state; the user end 101 is further used to: receive a first confirmation message input by the user; and send a second confirmation message to the resource provider based on the first confirmation message.

[0084] In the embodiment of the present invention, the resource provider 103 is further configured to generate a resource charging strategy corresponding to the user according to the user information and the first difference, and send the resource charging strategy to the user end.

[0085] In the embodiment of the present invention, the resource collection strategy includes: information corresponding to the stored order, identity information, and the total amount to be collected.

[0086] In an embodiment of the present invention, the resource collection strategy also includes: a collection cycle of resources corresponding to the total amount to be collected and a collection amount corresponding to each collection cycle; the user end 101 is further used to: provide resources to the resource provider end according to the collection cycle and the collection amount; the resource provider end 103 is further used to: update the total amount to be collected in each collection cycle based on the received resources.

[0087] In the embodiment of the present invention, the resource provider 103 is further used to: in any collection cycle, when the collected resources are less than the collection amount, generate credit abnormality information corresponding to the user information, and upload the credit abnormality information to the credit system.

[0088] In the embodiment of the present invention, the resource provider 103 is further used to: make a resource access judgment on the user according to the identity information to determine whether the user is qualified to apply for resources; when it is determined that the user is not qualified to apply for resources, determine the first resource quota to be zero.

[0089] In an embodiment of the present invention, the resource provider 103 is further used to: determine whether the identity information includes: a first deduction account and a first guarantee information provided by the item provider; when the identity information does not include the first deduction account or the first guarantee information, determine that the user is not eligible to apply for resources; when the identity information includes the first deduction account and the first guarantee information, determine that the user is eligible to apply for resources.

[0090] In an embodiment of the present invention, the resource provider 103 is further used to: after generating a resource collection strategy, obtain second guarantee information from the item provider; determine whether there are risk items related to the resource collection strategy based on the first guarantee information and the second guarantee information, and if so, obtain resources corresponding to the latest total amount to be collected from the item provider and / or the first deduction account based on the latest total amount to be collected.

[0091] In the embodiment of the present invention, after generating the resource collection strategy, the resource provider 103 may obtain the second guarantee information of the item provider in real time, or may obtain the second guarantee information of the item provider periodically at regular intervals.

[0092] In an embodiment of the present invention, the resource provider 103 is further used to: when the available balance of the first deduction account is less than the latest total balance to be collected, obtain resources corresponding to the available balance from the first deduction account, and obtain resources corresponding to the difference between the total balance to be collected and the available balance from the service provider.

[0093] In an embodiment of the present invention, the resource provider 103 is further used to: send promotion information to the user terminal, and monitor whether the user terminal forwards the promotion information; if so, issue reward resources to the user terminal based on the forwarding information corresponding to the promotion information, so as to utilize the user's relationship network for marketing and establish a broader marketing network.

[0094] In an embodiment of the present invention, the resource provider 103 is further used to: determine the source information corresponding to the resource request, and when the source information indicates that the resource request comes from the promotional information, issue reward resources to the user end to reduce the customer acquisition cost of the resource provider, which is also beneficial to the user experience.

[0095] The following is an example of a resource business processing system proposed in this solution, which is described in conjunction with a specific application scenario. When the system specifically processes auto loan business, it can be divided into the following steps: access judgment, quota calculation, loan approval, contract signing and expenditure, loan repayment, and guarantee compensation.

[0096] (1) Admission judgment and quota calculation

[0097] a) User identity information entry and matching: The user enters identity information such as name and ID number through the user terminal and sends it to the resource provider terminal, which matches the user's car purchase financing order from the order provided by the item provider terminal;

[0098] b) Identity identification and access judgment: After the user starts to apply, the user's identity information will be retained in the system, and the user's resource access will be judged based on the identity information. Users who pass the access will enter the quota calculation stage;

[0099] c) Quota calculation: For users who have passed identity recognition and access judgment, the quota is calculated based on the identity information to obtain the first resource quota that the user can obtain.

[0100] (2) Loan approval

[0101] The user initiates a loan application at the user end, and the resource provider approves the loan amount in the loan application according to the first resource quota. After approval, a list of pending contracts can be formed.

[0102] (3) Contractual Disbursement

[0103] a) Because the user needs to sign a purchase and sale, financial leasing agreement with the corresponding item provider on the item provider side, and the dealer needs to allocate vehicles and the user's specific time arrangement, the user needs to log in to the mobile banking again through the user side to enter the loan interface. The resource provider side verifies whether the external system has received the information that the user has completed the contract with the item provider. If the contract information has not been received, the user is not allowed to release the loan; if the contract information has been received, the user can enter the contract and payment process. The user clicks to enter the loan release and payment process through the user side. This process is designed to integrate contract signing and payment.

[0104] b) After the loan provided by the resource provider to the user is paid into the bank account of the item provider, the resource provider will first freeze the loan; the resource provider will unfreeze the loan only after the resource provider confirms offline that the user has picked up the car or the user confirms online that the car has been picked up.

[0105] (4) Loan repayment

[0106] The resource provider will deduct the amount from the user's contracted loan transfer account according to the repayment plan. If the funds are insufficient for full deduction, no deduction will be made.

[0107] (5) Compensation

[0108] When a user is overdue for a certain number of consecutive days, the resource provider will automatically deduct the overdue principal and interest from the account opened by the guarantee company. After the guarantee company completes the compensation, the resource provider can record the repayment of the user who is compensated due to overdue as "guarantee compensation" and upload it to the credit reporting system. When the guarantee company transmits to the bank that the mortgage has not been completed within a certain number of days after the loan is released, or transmits to the bank an early warning notice of risk matters recognized by other guarantee companies, the guarantee company calls the repayment trial calculation interface, and the resource provider calculates the principal and interest to be repaid, and then calls the repayment interface. The resource provider can deduct funds from the guarantee company's account to settle the loan of the guaranteed user in advance.

[0109] It can be seen from a resource business processing system according to an embodiment of the present invention that the system includes a user end, an item provider end and a resource provider end. After receiving an item request from the user end, the item provider end can generate an order and send the order to the resource provider end. After receiving the resource request from the user end and determining that the user has a corresponding order based on the order sent by the item provider end, the resource provider end can determine the first resource quota corresponding to the user's identity information, and respond to the resource request based on the first resource quota, thereby automatically completing the verification and approval process of user identity information, order information and other materials, and being able to respond to the user end's resource request in a timely manner, reducing the time the user waits for resource issuance and improving user experience.

[0110] Figure 2It is a schematic diagram of main steps of a resource service processing method according to an embodiment of the present invention.

[0111] like Figure 2 As shown, a resource service processing method according to an embodiment of the present invention mainly includes the following steps:

[0112] Step S201: The user end of the resource business processing system sends an item request to the item provider end, the item request includes: contract information related to the item to be requested and the total amount of resources corresponding to the item; and sends a resource request to the resource provider end, the resource request indicates the identity information of the user corresponding to the user end;

[0113] Step S202: the item provider of the resource business processing system generates an order according to the item request, and sends the order to the resource provider;

[0114] Step S203: The resource provider of the resource service processing system determines whether the user has a corresponding order based on the identity information, and if so, determines the first resource quota corresponding to the identity information; and responds to the resource request based on the first resource quota;

[0115] Step S204: the item provider determines whether to provide the item to the user according to the response of the resource provider to the resource request.

[0116] In an embodiment of the present invention, the resource request also indicates: the second resource quota corresponding to the execution contract information used by the user; the method may also include: the resource provider calculates the first difference between the total resource amount and the second resource quota, and determines whether the second difference between the first resource quota and the first difference is greater than a preset threshold; if so, determines that the user has the qualifications corresponding to the execution contract information; and responds to the resource request based on the qualifications.

[0117] In the embodiment of the present invention, the item provider may provide items to the user according to the qualifications responded by the resource provider.

[0118] In the embodiment of the present invention, when it is determined that the second difference is greater than the preset threshold, the resource provider may distribute resources to the item provider according to the first difference.

[0119] In an embodiment of the present invention, the user end can provide the item provider with resources corresponding to the second resource quota based on the resource provider's response to the resource request; the item provider can update the order status to a signed status after receiving the resources corresponding to the second resource quota, and send the order with updated status to the resource provider; the resource provider can issue resources to the item provider when receiving the order with updated status.

[0120] In an embodiment of the present invention, the resource provider can issue resources in a frozen state to the item provider when receiving an order with an updated status; the user end can receive first confirmation information input by the user, and send second confirmation information to the resource provider based on the first confirmation information; the resource provider can update the status of the resource to an available state when receiving the second confirmation information sent by the user end.

[0121] In the embodiment of the present invention, the resource provider may generate a resource collection policy corresponding to the user according to the user information and the first difference, and send the resource collection policy to the user.

[0122] In the embodiment of the present invention, the resource collection strategy may include: information corresponding to the stored order, identity information, and the total amount to be collected.

[0123] In an embodiment of the present invention, the resource collection strategy may also include: a collection cycle of resources corresponding to the total amount to be collected and a collection amount corresponding to each collection cycle; the user end provides resources to the resource provider end according to the collection cycle and the collection amount; the resource provider end updates the total amount to be collected in each collection cycle based on the received resources.

[0124] In an embodiment of the present invention, the resource provider can generate credit abnormality information corresponding to the user information in any collection cycle when the collected resources are less than the collection amount, and upload the credit abnormality information to the credit system.

[0125] In the embodiment of the present invention, the resource provider can make a resource access judgment on the user based on the identity information to determine whether the user is qualified to apply for resources; when it is determined that the user is not qualified to apply for resources, the first resource quota is determined to be zero.

[0126] In an embodiment of the present invention, the resource provider can determine whether the identity information includes: the first deduction account and the first guarantee information provided by the item provider; when the identity information does not include the first deduction account or the first guarantee information, it is determined that the user is not eligible to apply for resources; when the identity information includes the first deduction account and the first guarantee information, it is determined that the user is eligible to apply for resources.

[0127] In an embodiment of the present invention, the resource provider can obtain the second guarantee information of the item provider after generating the resource collection strategy; determine whether there are risk items related to the resource collection strategy based on the first guarantee information and the second guarantee information; if so, obtain the resources corresponding to the latest total amount to be collected from the item provider and / or the first deduction account based on the latest total amount to be collected.

[0128] In an embodiment of the present invention, when the available balance of the first deduction account is less than the latest total balance to be collected, the resource provider can obtain resources corresponding to the available balance from the first deduction account, and obtain resources corresponding to the difference between the total balance to be collected and the available balance from the service provider.

[0129] In an embodiment of the present invention, the resource provider may send promotion information to the user terminal and monitor whether the user terminal forwards the promotion information; if so, the reward resource is issued to the user terminal according to the forwarding information corresponding to the promotion information.

[0130] In the embodiment of the present invention, the resource provider can determine the source information corresponding to the resource request, and when the source information indicates that the resource request comes from the promotion information, the reward resource is issued to the user.

[0131] In an embodiment of the present invention, the user end may correspond to a user terminal of the vehicle to be acquired, the item request may be an acquisition request for the vehicle, the total amount of resources may correspond to the price of the vehicle to be acquired; and the item provider may correspond to a device that provides the vehicle.

[0132] It can be seen from a resource business processing method according to an embodiment of the present invention that the method is applied to a resource business processing system in any of the above embodiments, the system comprising a user end, an item provider end and a resource provider end. After receiving an item request from the user end, the item provider end can generate an order and send the order to the resource provider end. After receiving the resource request from the user end and determining that the user has a corresponding order based on the order sent by the item provider end, the resource provider end can determine the first resource quota corresponding to the user's identity information, and respond to the resource request based on the first resource quota, thereby automatically completing the verification and approval process of user identity information, order information and other materials, and being able to respond to the user end's resource request in a timely manner, reducing the time the user waits for resource issuance and improving user experience.

[0133] Figure 3 An exemplary system architecture 300 is shown to which a resource service processing system or a resource service processing method according to an embodiment of the present invention can be applied.

[0134] like Figure 3 As shown, the system architecture 300 may include terminal devices 301, 302, 303, a network 304 and an electronic device 305. The network 304 is used to provide a medium for communication links between the terminal devices 301, 302, 303 and the electronic device 305. The network 304 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0135] The user can use the terminal devices 301, 302, 303 to interact with the electronic device 305 through the network 304 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 301, 302, 303, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0136] The terminal devices 301 , 302 , and 303 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0137] The electronic device 305 may be a server that provides various services, such as a background management server that provides support for shopping websites browsed by users using the terminal devices 301, 302, and 303. The background management server may analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information and product information) to the terminal device.

[0138] It should be understood that Figure 3 The number of terminal devices, networks and electronic devices in the embodiment is only for illustration. Any number of terminal devices, networks and electronic devices may be provided according to implementation requirements.

[0139] Reference below Figure 4 , which shows a schematic diagram of the structure of a computer system 400 of a terminal device suitable for implementing an embodiment of the present invention. Figure 4 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0140] like Figure 4 As shown, the computer system 400 includes a central processing unit (CPU) 401, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 402 or a program loaded from a storage part 408 into a random access memory (RAM) 403. In the RAM 403, various programs and data required for the operation of the system 400 are also stored. The CPU 401, the ROM 402, and the RAM 403 are connected to each other via a bus 404. An input / output (I / O) interface 405 is also connected to the bus 404.

[0141] The following components are connected to the I / O interface 405: an input section 406 including a keyboard, a mouse, etc.; an output section 407 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 408 including a hard disk, etc.; and a communication section 409 including a network interface card such as a LAN card, a modem, etc. The communication section 409 performs communication processing via a network such as the Internet. A drive 410 is also connected to the I / O interface 405 as needed. A removable medium 411, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 410 as needed, so that a computer program read therefrom is installed into the storage section 408 as needed.

[0142] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 409, and / or installed from the removable medium 411. When the computer program is executed by the central processing unit (CPU) 401, the above-mentioned functions defined in the system of the present invention are executed.

[0143] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0144] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0145] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiment; or it may exist independently and not be assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes: the user end of the resource business processing system sends an item request to the item provider end, and the item request includes: contract information related to the item to be requested and the total amount of resources corresponding to the item; and sends a resource request to the resource provider end, and the resource request indicates the identity information of the user corresponding to the user end; the item provider end of the resource business processing system generates an order according to the item request and sends the order to the resource provider end; the resource provider end of the resource business processing system determines whether the user has a corresponding order according to the identity information, and if so, determines the first resource quota corresponding to the identity information; and responds to the resource request according to the first resource quota; the item provider end determines whether to provide the user with the item according to the response of the resource provider end to the resource request.

[0146] According to the technical solution of the embodiment of the present invention, after receiving the item request sent by the user end, the item provider can generate an order and send the order to the resource provider. After receiving the resource request sent by the user end and determining that the user has a corresponding order based on the order sent by the item provider, the resource provider can determine the first resource quota corresponding to the user's identity information and respond to the resource request based on the first resource quota, thereby automatically completing the verification and approval process of user identity information, order information and other materials, and being able to respond to the user's resource request in a timely manner, reducing the time the user waits for resource release and improving user experience.

[0147] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A resource business processing system, characterized in that: include: User side, item provider side and resource provider side; among them, The user terminal is used to send an item request to the item provider, the item request including: contract information related to the item to be requested and the total amount of resources corresponding to the item; send a resource request to the resource provider, the resource request indicating the identity information of the user corresponding to the user terminal; The item provider is used to generate an order according to the item request and send the order to the resource provider; and determine whether to provide the item to the user according to the response of the resource provider to the resource request; The resource provider is configured to determine whether the user has a corresponding order based on the identity information, and if so, determine a first resource quota corresponding to the identity information; and respond to the resource request based on the first resource quota; The resource request also indicates: the second resource quota used by the user to execute the contract information; the resource provider is used to calculate a first difference between the total resource amount and the second resource quota, and determine whether the second difference between the first resource quota and the first difference is greater than a preset threshold; if so, determine that the user has the qualification to execute the contract information; and respond to the resource request according to the qualification; The resource provider verifies whether the external system has received information that the user has completed the contract with the item provider. If the contract information has not been received, the user is not allowed to make payments; if the contract information has been received, the user can enter the contract payment process.

2. The system according to claim 1, characterized in that The item provider is used to provide items to the user according to the qualification responded by the resource provider.

3. The system according to claim 1, characterized in that The resource provider is further configured to distribute resources to the item provider according to the first difference when it is determined that the second difference is greater than a preset threshold.

4. The system according to claim 3, characterized in that The user end is used to provide resources corresponding to the second resource quota to the item provider end according to the response of the resource provider end to the resource request; The item provider is configured to update the status of the order to a signed status after receiving the resources corresponding to the second resource quota, and send the order with the updated status to the resource provider; The resource provider is used to release the resource to the item provider when receiving the order with updated status.

5. The system according to claim 4, characterized in that The resource provider is configured to release the resource in a frozen state to the item provider upon receiving the order with the updated state; and update the state of the resource to an available state upon receiving the second confirmation information sent by the user; The user end is used to receive first confirmation information input by a user; and send the second confirmation information to the resource provider according to the first confirmation information.

6. The system according to claim 3, characterized in that The resource provider is further configured to generate a resource collection strategy corresponding to the user according to the user information and the first difference, and send the resource collection strategy to the user terminal.

7. The system according to claim 6, characterized in that The resource collection strategy includes: information corresponding to the stored order, the identity information, and the total amount to be collected.

8. The system according to claim 7, characterized in that The resource collection strategy also includes: a collection cycle of resources corresponding to the total amount to be collected and a collection amount corresponding to each collection cycle; The user end is used to provide resources to the resource provider end according to the collection cycle and the collection amount; The resource provider is used to update the total amount to be collected according to the received resources in each collection cycle.

9. The system according to claim 8, characterized in that The resource provider is used to generate credit abnormality information corresponding to the user information in any collection cycle when the collected resources are less than the collection amount, and upload the credit abnormality information to the credit system.

10. The system according to claim 1, characterized in that The resource provider is used to make a resource access judgment on the user according to the identity information to determine whether the user is qualified to apply for resources; when it is determined that the user is not qualified to apply for resources, the first resource quota is determined to be zero.

11. The system according to claim 10, characterized in that The resource provider is used to determine whether the identity information includes: a first deduction account and first guarantee information provided by the item provider; when the identity information does not include the first deduction account or the first guarantee information, it is determined that the user is not eligible to apply for resources; when the identity information includes the first deduction account and the first guarantee information, it is determined that the user is eligible to apply for resources.

12. The system according to claim 11, characterized in that The resource provider is also used to obtain the second guarantee information of the item provider after generating the resource collection strategy; determine whether there are risk issues related to the resource collection strategy based on the first guarantee information and the second guarantee information; if so, obtain the resources corresponding to the latest total amount to be collected from the item provider and / or the first deduction account based on the latest total amount to be collected.

13. The system according to claim 12, characterized in that The resource provider is used to obtain resources corresponding to the available amount from the first deduction account when the available amount of the first deduction account is less than the latest total amount to be collected, and to obtain resources corresponding to the difference between the total amount to be collected and the available amount from the service provider.

14. The system according to claim 1, characterized in that The resource provider is also used to send promotion information to the user terminal and monitor whether the user terminal forwards the promotion information; if so, issue reward resources to the user terminal according to forwarding information corresponding to the promotion information.

15. The system according to claim 14, characterized in that The resource provider is further configured to determine source information corresponding to the resource request, and to issue reward resources to the user terminal when the source information indicates that the resource request originates from the promotion information.

16. The system according to any one of claims 1 to 15, characterized in that: The user end corresponds to a user terminal of a vehicle to be acquired, the item request is an acquisition request for the vehicle, and the total amount of resources corresponds to a price of the vehicle to be acquired; The item providing end corresponds to a device for providing a vehicle.

17. A resource business processing method, characterized in that: Applied to a resource business processing system including a user end, an item provider end, and a resource provider end, the method includes: The user end of the resource service processing system sends an item request to the item provider end, the item request includes: contract information related to the item to be requested and the total amount of resources corresponding to the item; and sends a resource request to the resource provider end, the resource request indicates the identity information of the user corresponding to the user end; The item provider of the resource business processing system generates an order according to the item request, and sends the order to the resource provider; The resource provider of the resource service processing system determines whether the user has a corresponding order based on the identity information, and if so, determines a first resource quota corresponding to the identity information; and responds to the resource request based on the first resource quota; The item provider determines, according to the response of the resource provider to the resource request, whether to provide the item to the user; The resource request also indicates: a second resource quota for the user to execute the contract information; the responding to the resource request according to the first resource quota includes: calculating a first difference between the total resource amount and the second resource quota, and determining whether a second difference between the first resource quota and the first difference is greater than a preset threshold; if so, determining that the user has the qualification to execute the contract information; and responding to the resource request according to the qualification; The resource provider verifies whether the external system has received information that the user has completed the contract with the item provider. If the contract information has not been received, the user is not allowed to make payments; if the contract information has been received, the user can enter the contract payment process.

18. A resource service processing electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method as claimed in claim 17.

19. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to claim 17 is implemented.

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