Resource quota allocation method, device and electronic equipment

Abstract

The present disclosure relates to a resource quota allocation method, device, electronic device and computer-readable medium. The method includes: obtaining user information of a user, wherein the user information includes basic information and behavior information; determining the risk score of the user based on a joint risk model and the user information; when the risk score is higher than a risk threshold, determining a target third-party platform from multiple third-party platforms; and allocating resource quotas to the user based on the quota allocation strategy of the target third-party platform. The resource quota allocation method, device, electronic device and computer-readable medium involved in the present disclosure can combine multiple platforms and take advantage of joint risk control to allocate resource quotas for users, which can not only improve user satisfaction but also achieve overall development of the industry.

Description

Technical Field

[0001] The present disclosure relates to the field of computer information processing, and in particular, to a resource quota allocation method, device, electronic device and computer-readable medium. Background Art

[0002] With the development of the economy, in order to meet the needs of their own development, individual users or corporate users often borrow money from financial service institutions. For financial service institutions, users' borrowing activities are likely to bring risks to financial service companies. Before the repayment period expires, major adverse changes in the financial and business conditions of borrowers (credit users) are likely to affect their ability to perform their obligations, thereby causing risks such as bad debts and bad debts. Therefore, in order to reduce the probability of such risks, financial service institutions need to conduct risk assessments on borrowers and then formulate corresponding user resource allocation quotas.

[0003] With the development of the industry, the Internet financial service industry has ushered in new challenges. Both the scenario installment business and the non-scenario cash loan business have seen significant growth. Many financial institutions can provide financial resource services to users. For users, it is obviously unrealistic to register and apply for services in multiple financial service institutions. However, for each financial service platform, each financial service platform has its own strengths and crowd selection preferences, and the risk tolerance is also different. At present, there is a situation where the user does not meet the resource borrowing requirements of financial service platform A, and the user cannot obtain financial resource services. However, the user is likely to meet the requirements of financial service platform B, and the user can get excellent financial services on financial service platform B. However, due to the lack of relevant financial knowledge, the user is likely not to apply for services on financial service platform B. This situation has seriously affected the user's development plan and restricted the development of the financial service platform.

[0004] Therefore, a new resource quota allocation method, device, electronic device and computer-readable medium are needed.

[0005] The above information disclosed in this Background section is only for enhancement of understanding of the background of the present disclosure and therefore it may contain information that does not constitute the prior art that is already known to one of ordinary skill in the art. Summary of the invention

[0006] In view of this, the present disclosure provides a resource quota allocation method, device, electronic device and computer-readable medium, which can combine multiple platforms, give play to the advantages of joint risk control to allocate resource quotas for users, which can not only improve user satisfaction but also achieve overall development of the industry.

[0007] Other features and advantages of the present disclosure will become apparent from the following detailed description, or may be learned in part by the practice of the present disclosure.

[0008] According to one aspect of the present disclosure, a resource quota allocation method is proposed, which includes: obtaining user information of a user, wherein the user information includes basic information and behavior information; determining a risk score of the user based on a joint risk model and the user information; when the risk score is higher than a risk threshold, determining a target third-party platform from multiple third-party platforms; and allocating a resource quota to the user based on a quota allocation strategy of the target third-party platform.

[0009] Optionally, the method further includes: when the risk score is lower than a risk threshold, retrieving a local quota allocation strategy; and allocating a resource quota to the user based on the local quota allocation strategy.

[0010] Optionally, allocating a resource quota to the user based on the local quota allocation strategy includes: inputting the user information into the local quota allocation strategy to generate a resource quota; when the resource quota is less than the user's application quota, determining a target third-party platform from multiple third-party platforms; and allocating a resource quota to the user based on the quota allocation strategy of the target third-party platform and the local quota allocation strategy.

[0011] Optionally, a resource quota is allocated to the user based on the quota allocation policy of the target third-party platform and the local quota allocation policy, including: allocating the resource quota generated based on the local quota allocation policy to the user; generating a third-party platform quota application based on the resource quota and the application quota; and allocating a resource quota to the user through the target third-party platform based on the third-party quota application.

[0012] Optionally, determining the risk score of the user based on the joint risk model and the user information includes: when the joint attributes are included in the basic information of the user, determining the risk score of the user based on the joint risk model and the user information; when the joint attributes are not included in the basic information of the user, retrieving the local quota allocation strategy, and allocating resource quota to the user based on the local quota allocation strategy.

[0013] Optionally, it also includes: acquiring platform information of multiple third-party platforms; and generating multiple risk control indicators and multiple pressure indicators based on the platform information of the multiple third-party platforms.

[0014] Optionally, determining a target third-party platform from a plurality of third-party platforms includes: sorting the plurality of third-party platforms according to their corresponding risk control indicators and pressure indicators; and determining the target third-party platform based on the sorting.

[0015] Optionally, determining the target third-party platform based on the ranking includes: generating a user portrait based on the user information of the user; matching the user portrait of the user with the user portrait in the platform information of the third-party platform based on the ranking; and determining the target third-party platform according to the matching result.

[0016] Optionally, allocating resource quota to the user based on the quota allocation strategy of the target third-party platform includes: generating a third-party platform quota application through the user information of the user; sending the third-party quota application to the target third-party platform based on an asynchronous processing task; and the target third-party platform obtaining return information to allocate resource quota to the user.

[0017] According to one aspect of the present disclosure, a resource quota allocation device is proposed, which includes: an information module, used to obtain user information of a user, wherein the user information includes basic information and behavior information; a scoring module, used to determine the risk score of the user based on a joint risk model and the user information; a third-party module, used to determine a target third-party platform from multiple third-party platforms when the risk score is higher than a risk threshold; and an allocation module, used to allocate a resource quota to the user based on the quota allocation policy of the target third-party platform.

[0018] According to one aspect of the present disclosure, an electronic device is proposed, which includes: 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 described above.

[0019] According to one aspect of the present disclosure, a computer-readable medium is provided, on which a computer program is stored. When the program is executed by a processor, the method described above is implemented.

[0020] According to the resource quota allocation method, device, electronic device and computer-readable medium disclosed in the present invention, user information of the user is obtained, and the user information includes basic information and behavior information; the risk score of the user is determined based on the joint risk model and the user information; when the risk score is higher than the risk threshold, the target third-party platform is determined from multiple third-party platforms; and the resource quota is allocated to the user based on the quota allocation strategy of the target third-party platform. This can combine multiple platforms and take advantage of joint risk control to allocate resource quotas for users, which can not only improve user satisfaction but also achieve overall development of the industry.

[0021] It is to be understood that the foregoing general description and the following detailed description are exemplary only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The above and other objects, features and advantages of the present disclosure will become more apparent by describing in detail its exemplary embodiments with reference to the accompanying drawings. The accompanying drawings described below are only some embodiments of the present disclosure, and it is clear to a person skilled in the art that other accompanying drawings can be obtained from these accompanying drawings without creative work.

[0023] Figure 1 The present invention is a system block diagram showing a method and device for allocating resource quotas according to an exemplary embodiment.

[0024] Figure 2 The present invention is a flowchart of a resource quota allocation method according to an exemplary embodiment.

[0025] Figure 3 The present invention is a flowchart of a resource quota allocation method according to another exemplary embodiment.

[0026] Figure 4 The present invention is a flowchart of a resource quota allocation method according to another exemplary embodiment.

[0027] Figure 5 The present invention is a block diagram of a device for allocating resource quota according to an exemplary embodiment.

[0028] Figure 6 It is a block diagram of an electronic device according to an exemplary embodiment.

[0029] Figure 7 It is a block diagram of a computer-readable medium according to an exemplary embodiment. DETAILED DESCRIPTION

[0030] Example embodiments will now be described more fully with reference to the accompanying drawings. However, example embodiments can be implemented in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be comprehensive and complete and will fully convey the concepts of the example embodiments to those skilled in the art. The same reference numerals in the figures represent the same or similar parts, and thus their repeated description will be omitted.

[0031] In addition, the described features, structures or characteristics may be combined in one or more embodiments in any suitable manner. In the following description, many specific details are provided to provide a full understanding of the embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. may be adopted. In other cases, known methods, devices, implementations or operations are not shown or described in detail to avoid blurring the various aspects of the present disclosure.

[0032] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0033] The flowcharts shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps can be decomposed, and some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0034] It should be understood that although the terms first, second, third, etc. may be used herein to describe various components, these components should not be limited by these terms. These terms are used to distinguish one component from another component. Therefore, the first component discussed below can be referred to as the second component without departing from the teachings of the disclosed concepts. As used herein, the term "and / or" includes any one of the associated listed items and all combinations of one or more.

[0035] Those skilled in the art will appreciate that the drawings are merely schematic diagrams of example embodiments, and the modules or processes in the drawings are not necessarily necessary for implementing the present disclosure, and therefore cannot be used to limit the protection scope of the present disclosure.

[0036] In the present disclosure, resources refer to any material, information, or time that can be utilized, and information resources include computing resources and various types of data resources. Data resources include various special data in various fields. The innovation of the present disclosure lies in how to use the information interaction technology between the server and the client to make the resource allocation process more automated, efficient, and reduce labor costs. Therefore, in essence, the present disclosure can be applied to the allocation of various types of resources, including physical goods, water, electricity, and meaningful data. However, for convenience, the present disclosure uses financial data resources as an example to illustrate the implementation of resource allocation, but those skilled in the art should understand that the present disclosure can also be used for the allocation of other resources.

[0037] The resource quota allocation method provided by the embodiment of the present disclosure (for the convenience of description, it can be referred to as the method provided by the embodiment of the present application) can be applied to any application field in multiple application fields such as investment, banking, insurance, securities, and e-commerce. In each application field, the application scenarios involved may include but are not limited to login, registration, pre-loan, mid-loan, post-loan, holiday activities or promotional activities. The method provided by the embodiment of the present application can be applied to the generation of resource quota allocation for any business type in any of the above application scenarios.

[0038] Figure 1The present invention is a system block diagram showing a method and device for allocating resource quotas according to an exemplary embodiment.

[0039] like Figure 1 As shown, the system architecture 10 may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0040] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as financial service applications, shopping applications, web browser applications, instant messaging tools, email clients, social platform software, etc.

[0041] The terminal devices 101 , 102 , and 103 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.

[0042] The server 105 may be a server that provides various services, such as a backend management server that provides support for financial service websites browsed by users using terminal devices 101, 102, 103. The backend management server may analyze and process the received user data, and feed back the processing results (such as resource quotas) to the administrator of the financial service website and / or the terminal devices 101, 102, 103.

[0043] The server 105 may, for example, obtain user information of the user, wherein the user information includes basic information and behavior information; the server 105 may, for example, determine the risk score of the user based on a joint risk model and the user information; the server 105 may, for example, determine a target third-party platform from a plurality of third-party platforms when the risk score is higher than a risk threshold; the server 105 may, for example, allocate a resource quota to the user based on a quota allocation policy of the target third-party platform.

[0044] The server 105 may also, for example, retrieve a local quota allocation policy when the risk score is lower than a risk threshold; and allocate a resource quota to the user based on the local quota allocation policy.

[0045] The server 105 may be a physical server, or may be composed of multiple servers. It should be noted that the resource quota allocation method provided in the embodiment of the present disclosure may be executed by the server 105, and accordingly, the resource quota allocation device may be arranged in the server 105. The web page provided to the user for browsing the financial service platform is generally located in the terminal devices 101, 102, and 103.

[0046] Figure 2 The flowchart of a resource quota allocation method according to an exemplary embodiment is shown. The resource quota allocation method 20 at least includes steps S202 to S208.

[0047] like Figure 2 As shown, in S202, user information of the user is obtained, and the user information includes basic information and behavior information.

[0048] In the embodiments of the present disclosure, the user may be an individual user or a corporate user, and the allocation of resource quotas may be the adjustment of financial resource quotas, or the allocation of electric power resources and water resources. Among them, user information may include basic information, such as business account information, user terminal device identification information, user location information, etc.; user information may also include behavioral information, such as user page operation data, user service access duration, user service access frequency, etc. The specific content of user information can be determined according to the actual application scenario, and is not limited here. More specifically, the user information of the current user can be obtained based on user authorization by using web page embedding. Remote information may be user data of users on other trading platforms or other business departments.

[0049] More specifically, the user's behavior information on the website can be obtained through the Fiddler tool. The Fiddler tool works in the form of a web proxy server. After the client sends the request data, the Fiddler proxy server intercepts the data packet, and then the proxy server pretends to be the client to send data to the server; similarly, the server returns the response data, and the proxy server also intercepts the data and returns it to the client. Through Fiddler, you can obtain the user's web browsing residence time, residence page, click operation and other related browsing data.

[0050] In S204, a risk score of the user is determined based on the joint risk model and the user information. For example, when the basic information of the user includes a joint attribute, the risk score of the user is determined based on the joint risk model and the user information; when the basic information of the user does not include a joint attribute, a local quota allocation strategy is retrieved, and a resource quota is allocated to the user based on the local quota allocation strategy.

[0051] In a specific embodiment, a financial service platform allocates resources to users by cooperating with other institutions. After the user applies for resource quota, when the user turns on the joint service function, financial services can be provided to the user through multiple third-party platforms. When the user does not turn on the joint service function, services are provided to the user only through this platform.

[0052] More specifically, multiple feature information can be generated based on the user information and feature strategy. Data cleaning and data fusion can be performed on the user information to convert the user information into multiple feature data. More specifically, variable missing rate analysis and processing and outlier processing can be performed on the user information; the user information discretized into continuous variables can also be subjected to WOE conversion, discrete variable WOE conversion, text variable processing, word2vec processing of text variables, etc.

[0053] In one embodiment, for example, a criticality index of at least one basic information and at least one behavior information in the user information is calculated; based on the criticality index, part of the information is extracted from the historical user information to generate a plurality of historical feature information; and the feature strategy is generated based on the relationship between the plurality of historical feature information and the historical user information.

[0054] The variable coverage, single value coverage, correlation and significance with the target variable, discrimination (KS) and information value (IV) of the target variable, and importance of tree model (such as XGBoost, RF, etc.) features can be comprehensively considered to select features with high coverage and obvious discrimination effect on the target variable as the final user features. The feature strategy is generated based on the relationship between the multiple historical feature information and the historical user information.

[0055] Specifically, according to the joint risk models of historical users, the users who have enabled the joint service function in the historical users are input into the joint risk model to obtain the predicted label (whether they are in arrears), and the predicted label is compared with the corresponding real label (whether they are in arrears) to determine whether the predicted label is consistent with the real label, and the number of predicted labels consistent with the real label is counted, and the proportion of the number of predicted labels consistent with the real label in the number of all predicted labels is calculated. If the proportion is greater than or equal to the preset proportion value, the joint risk model converges to obtain a trained joint risk model. If the proportion is less than the preset proportion value, the parameters in the joint risk model are adjusted, and the predicted labels of each object are re-predicted by the adjusted joint risk model until the proportion is greater than or equal to the preset proportion value. Among them, the method of adjusting the parameters in the joint risk model can be performed using a stochastic gradient descent algorithm, a gradient descent algorithm, or a normal equation.

[0056] If the number of times the parameters of the joint risk model are adjusted exceeds a preset number, the model used to construct the joint risk model may be replaced to improve the model training efficiency.

[0057] In S206, when the risk score is higher than the risk threshold, a target third-party platform is determined from multiple third-party platforms. The multiple third-party platforms are sorted according to their corresponding risk control indicators and pressure indicators; and the target third-party platform is determined based on the sorting.

[0058] Among them, the specific content of "determining the target third-party platform from multiple third-party platforms" will be Figure 4 The corresponding embodiments are described in detail.

[0059] In S208, resource quota is allocated to the user based on the quota allocation strategy of the target third-party platform. A third-party platform quota application is generated based on the user information of the user; the third-party quota application is sent to the target third-party platform based on an asynchronous processing task; and the target third-party platform obtains the return information to allocate resource quota to the user.

[0060] According to the resource quota allocation method disclosed in the present invention, user information of the user is obtained, and the user information includes basic information and behavior information; the risk score of the user is determined based on the joint risk model and the user information; when the risk score is higher than the risk threshold, the target third-party platform is determined from multiple third-party platforms; and the resource quota is allocated to the user based on the quota allocation strategy of the target third-party platform. This method can combine multiple platforms and take advantage of joint risk control to allocate resource quotas to users, which can not only improve user satisfaction but also achieve overall development of the industry.

[0061] It should be clearly understood that the present disclosure describes how to form and use specific examples, but the principles of the present disclosure are not limited to any details of these examples. On the contrary, based on the teachings of the contents disclosed in the present disclosure, these principles can be applied to many other embodiments.

[0062] Figure 3 The present invention is a flowchart of a resource quota allocation method according to another exemplary embodiment. Figure 3 The process 30 shown is for Figure 2 Supplementary description of the process shown.

[0063] like Figure 3 As shown, in S302, when the risk score is lower than the risk threshold, the local quota allocation strategy is called. When the risk score is low, the local platform is preferentially selected to provide services to the user. The method of preferentially selecting the local platform to provide financial services to users with risk score disclosure can greatly save server processing time and speed up the approval process of user withdrawal applications.

[0064] In S304, the user information is input into the local quota allocation strategy to generate a resource quota.

[0065] Among them, the local quota allocation strategy is to select which kind of quota to follow in the process of allocating user quotas. Different risk decision rule generation models can be constructed for different application scenarios, user data associated with different businesses, etc. Different risk decision rule generation models can be applied to different application scenarios, as well as the generation of risk decision rules for multiple businesses in various application scenarios, with high flexibility. Based on the risk decision rule generation model, the risk decision rules based on which the risk control of the business is carried out can be output according to the real-time user data of the specific business in the specific application scenario, thereby improving the closeness of the association between the risk decision rules and the business, and having strong applicability. At the same time, the risk decision rules are generated based on user data, with strong reliability, and the accuracy of the risk decision made by the risk control strategy determined based on the risk decision rules is enhanced, and the applicability is stronger. Here, the above-mentioned business can be specifically various businesses provided to users in multiple application fields such as investment, banking, insurance, securities and e-commerce, such as insurance and loans. Correspondingly, taking insurance as an example, the corresponding application scenarios under this business may include but are not limited to account registration, account login, insurance application, insurance approval, policy generation and maintenance, etc. The above application scenarios are merely examples and not exhaustive. The specific application scenarios can be determined according to the actual application scenarios and are not limited here.

[0066] In the embodiments of the present disclosure, in order to improve the accuracy of determining the local quota allocation strategy, the method provided in the embodiments of the present application can construct risk decision rules corresponding to each business type based on sample data of each business type obtained from multiple data acquisition paths, and generate and determine the local quota allocation strategy based on the risk decision rules.

[0067] In S306, when the resource quota is less than the user's application quota, a target third-party platform is determined from multiple third-party platforms. For example, the resource quota applied by the user is 1000, but after calculation of the local quota allocation strategy above, only 5000 quota can be allocated to the user. At this time, other third-party platforms can be jointly allocated to the user.

[0068] In S308, a resource quota is allocated to the user based on the quota allocation policy of the target third-party platform and the local quota allocation policy.

[0069] In one embodiment, for example, the resource quota generated based on the local quota allocation strategy can be allocated to the user; a third-party platform quota application can be generated based on the resource quota and the application quota; and a resource quota can be allocated to the user through the target third-party platform based on the third-party quota application.

[0070] Figure 4 The present invention is a flowchart of a resource quota allocation method according to another exemplary embodiment. Figure 4 The process 40 shown is for Figure 2 The process shown is a detailed description of "determining a target third-party platform from multiple third-party platforms when the risk score is higher than the risk threshold."

[0071] like Figure 4 As shown, in S402, platform information of multiple third-party platforms is obtained.

[0072] In S404, multiple risk control indicators and multiple pressure indicators are generated based on the platform information of the multiple third-party platforms. More specifically, the risk control indicators and pressure indicators of the third-party platforms can be obtained through platform information or by accessing service evaluation data.

[0073] In S406, the plurality of third-party platforms are sorted according to their corresponding risk control indicators and pressure indicators. Weights may be assigned to the risk control indicators and pressure indicators respectively, and the comprehensive capability indicators of the third-party platforms are determined based on different weights, and then sorted according to the comprehensive capability indicators.

[0074] In S408, the target third-party platform is determined based on the ranking.

[0075] In one embodiment, for example, a user portrait may be generated based on the user information of the user; the user portrait of the user and the user portrait in the platform information of the third-party platform may be matched based on the ranking; and the target third-party platform may be determined based on the matching result.

[0076] The most suitable third-party platform can also be matched to the user based on his or her characteristics. Different third-party platforms are suitable for users with different characteristics. For example, third-party platform A gives priority to providing financial services to users with characteristic A, while another third-party platform B is prohibited from providing financial services to users with characteristic A.

[0077] When a user has feature A, the comprehensive capabilities of third-party platform B are better than those of third-party platform A. In this case, through user portrait matching, the user can be reasonably assigned to third-party platform A so that user A can receive good financial services.

[0078] Recently, the downward trend of loan interest rates has become a trend. If profitability is to be maintained, the threshold of user risk tolerance is bound to be lowered. The loan scale and approval rate of various institutions are affected, which ultimately affects the profitability of institutions. Reasonable asset allocation, optimization of user experience, and ensuring sustainable development of lending business are common problems faced by the entire industry.

[0079] According to the resource quota allocation method disclosed in the present invention, a joint service method is adopted with other institutions to adjust the resource quota allocation order, so as to direct a part of users to cooperative institutions with high risk tolerance and strong risk control capabilities; under the joint service model, the joint risk control capabilities are brought into play, which can not only avoid the impact on existing customers to a certain extent, but also play the role of risk sharing, and control the overall risk within an acceptable range.

[0080] Those skilled in the art will appreciate that all or part of the steps for implementing the above embodiments are implemented as a computer program executed by a CPU. When the computer program is executed by the CPU, the above functions defined by the above method provided by the present disclosure are performed. The program may be stored in a computer-readable storage medium, which may be a read-only memory, a disk, or an optical disk, etc.

[0081] In addition, it should be noted that the above figures are only schematic illustrations of the processes included in the method according to the exemplary embodiments of the present disclosure, and are not intended to be limiting. It is easy to understand that the processes shown in the above figures do not indicate or limit the time sequence of these processes. In addition, it is also easy to understand that these processes can be performed synchronously or asynchronously, for example, in multiple modules.

[0082] The following are embodiments of the device disclosed herein, which can be used to execute the method embodiments disclosed herein. For details not disclosed in the device embodiments disclosed herein, please refer to the method embodiments disclosed herein.

[0083] Figure 5 FIG. 1 is a block diagram of a resource quota allocation device according to an exemplary embodiment. Figure 5 As shown, the resource quota allocation device 50 includes: an information module 502 , a scoring module 504 , a third party module 506 , and an allocation module 508 .

[0084] The information module 502 is used to obtain user information of the user, and the user information includes basic information and behavior information;

[0085] The scoring module 504 is used to determine the risk score of the user based on the joint risk model and the user information;

[0086] The third-party module 506 is used to determine a target third-party platform from multiple third-party platforms when the risk score is higher than the risk threshold;

[0087] The allocation module 508 is used to allocate resource quota to the user based on the quota allocation policy of the target third-party platform.

[0088] According to the resource quota allocation device disclosed in the present invention, user information of the user is obtained, and the user information includes basic information and behavior information; the risk score of the user is determined based on the joint risk model and the user information; when the risk score is higher than the risk threshold, the target third-party platform is determined from multiple third-party platforms; the resource quota is allocated to the user based on the quota allocation strategy of the target third-party platform. This method can combine multiple platforms and take advantage of joint risk control to allocate resource quotas to users, which can not only improve user satisfaction but also achieve overall development of the industry.

[0089] Figure 6 It is a block diagram of an electronic device according to an exemplary embodiment.

[0090] Refer to the following Figure 6 The electronic device 600 according to this embodiment of the present disclosure is described. Figure 6 The electronic device 600 shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0091] like Figure 6 As shown, the electronic device 600 is in the form of a general computing device. The components of the electronic device 600 may include, but are not limited to: at least one processing unit 610, at least one storage unit 620, a bus 630 connecting different system components (including the storage unit 620 and the processing unit 610), a display unit 640, etc.

[0092] The storage unit stores a program code, which can be executed by the processing unit 610, so that the processing unit 610 performs the steps in this specification according to various exemplary embodiments of the present disclosure. For example, the processing unit 610 can perform the following steps: Figure 2 , Figure 3 , Figure 4 Follow the steps shown in .

[0093] The storage unit 620 may include a readable medium in the form of a volatile storage unit, such as a random access memory unit (RAM) 6201 and / or a cache memory unit 6202 , and may further include a read-only memory unit (ROM) 6203 .

[0094] The storage unit 620 may also include a program / utility 6204 having a set (at least one) of program modules 6205, such program modules 6205 including but not limited to: an operating system, one or more application programs, other program modules and program data, each of which or some combination may include the implementation of a network environment.

[0095] Bus 630 may represent one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.

[0096] The electronic device 600 may also communicate with one or more external devices 600' (e.g., keyboards, pointing devices, Bluetooth devices, etc.) to enable a user to communicate with the electronic device 600, and / or any device (e.g., routers, modems, etc.) that the electronic device 600 can communicate with one or more other computing devices. Such communication may be performed via an input / output (I / O) interface 650. In addition, the electronic device 600 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 660. The network adapter 660 may communicate with other modules of the electronic device 600 via a bus 630. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0097] Through the above description of the implementation, it is easy for those skilled in the art to understand that the example implementation described here can be implemented by software, or by combining software with necessary hardware. Figure 7 As shown, the technical solution according to the embodiment of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes a number of instructions to enable a computing device (which can be a personal computer, a server, or a network device, etc.) to execute the above method according to the embodiment of the present disclosure.

[0098] The software product may be any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, a system, device or component of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination thereof. More specific examples (non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable 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 thereof.

[0099] The computer readable storage medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to an electromagnetic signal, an optical signal, or any suitable combination of the above. The readable storage medium may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by an instruction execution system, an apparatus, or a device or used in combination with it. The program code contained on the readable storage medium may be transmitted with any appropriate medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the above.

[0100] Program code for performing the operations of the present disclosure may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, as a separate software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In cases involving a remote computing device, the remote computing device may be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (e.g., through the Internet using an Internet service provider).

[0101] The above-mentioned computer-readable medium carries one or more programs. When the above-mentioned one or more programs are executed by a device, the computer-readable medium implements the following functions: obtaining user information of the user, wherein the user information includes basic information and behavior information; determining the risk score of the user based on a joint risk model and the user information; when the risk score is higher than a risk threshold, determining a target third-party platform from multiple third-party platforms; and allocating resource quotas to the user based on the quota allocation strategy of the target third-party platform.

[0102] Those skilled in the art will appreciate that the above modules can be distributed in the device according to the description of the embodiment, or can be changed accordingly and only used in one or more devices different from the embodiment. The modules of the above embodiments can be combined into one module, or further divided into multiple sub-modules.

[0103] Through the description of the above embodiments, it is easy for those skilled in the art to understand that the example embodiments described here can be implemented by software, or by software combined with necessary hardware. Therefore, the technical solution according to the embodiment of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiment of the present disclosure.

[0104] The exemplary embodiments of the present disclosure are specifically shown and described above. It should be understood that the present disclosure is not limited to the detailed structures, configurations or implementations described herein; on the contrary, the present disclosure is intended to cover various modifications and equivalent configurations included in the spirit and scope of the appended claims.

Claims

1. A resource quota allocation method, characterized in that: include: Obtaining user information of the user, wherein the user information includes basic information and behavior information; When the basic information of the user includes a joint attribute, determining a risk score of the user based on a joint risk model and the user information; When the risk score is above the risk threshold, Sort multiple third-party platforms according to their corresponding risk control indicators and pressure indicators; generating a user portrait based on the user information of the user; Matching the user portrait of the user with the user portrait in the platform information of the third-party platform based on the ranking; Determine the target third-party platform based on the matching results; A resource quota is allocated to the user based on the quota allocation policy of the target third-party platform.

2. The method according to claim 1, characterized in that Also includes: When the risk score is lower than the risk threshold, the local quota allocation strategy is retrieved; A resource quota is allocated to the user based on the local quota allocation policy.

3. The method according to claim 2, characterized in that Allocating resource quotas to the user based on the local quota allocation strategy includes: Inputting the user information into the local quota allocation strategy to generate a resource quota; When the resource amount is less than the user's application amount, determining a target third-party platform from multiple third-party platforms; A resource quota is allocated to the user based on the quota allocation policy of the target third-party platform and the local quota allocation policy.

4. The method according to claim 3, characterized in that Allocating resource quota to the user based on the quota allocation strategy of the target third-party platform and the local quota allocation strategy includes: Allocating the resource quota generated based on the local quota allocation strategy to the user; Generate a third-party platform quota application based on the resource quota and the application quota; A resource quota is allocated to the user through the target third-party platform based on the third-party quota application.

5. The method according to claim 1, characterized in that When the basic information of the user includes a joint attribute, determining the risk score of the user based on the joint risk model and the user information further includes: When the basic information of the user does not include the joint attribute, a local quota allocation strategy is retrieved, and a resource quota is allocated to the user based on the local quota allocation strategy.

6. The method according to claim 1, characterized in that Also includes: Obtain platform information of multiple third-party platforms; A plurality of risk control indicators and a plurality of pressure indicators are generated based on the platform information of the plurality of third-party platforms.

7. The method according to claim 1, characterized in that Allocating resource quota to the user based on the quota allocation strategy of the target third-party platform includes: Generate a third-party platform credit application based on the user information of the user; Sending the third-party credit application to the target third-party platform based on an asynchronous processing task; The target third-party platform obtains the returned information to allocate resource quota to the user.

8. A resource quota allocation device, characterized in that: include: An information module is used to obtain user information of the user, wherein the user information includes basic information and behavior information; A scoring module, configured to determine a risk score of the user based on a joint risk model and the user information when the basic information of the user includes a joint attribute; A third-party module, used for sorting multiple third-party platforms according to their corresponding risk control indicators and pressure indicators when the risk score is higher than the risk threshold; and generating a user portrait based on the user information of the user; Matching the user portrait of the user with the user portrait in the platform information of the third-party platform based on the ranking; and determining a target third-party platform according to the matching result; An allocation module is used to allocate resource quota to the user based on the quota allocation strategy of the target third-party platform.

9. An 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 according to any one of claims 1 to 7.

10. 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 any one of claims 1 to 7 is implemented.

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