Resource processing method, device, computer equipment and storage medium

Abstract

The present application relates to a resource processing method, apparatus, computer equipment, and storage medium. The method includes: obtaining a bill allocation table, a first bill allocation sorting table, and a bill allocation parameter table through a resource information library; sorting the installment repayment items in the first bill allocation sorting table according to the value of the resources to be allocated and the resource allocation parameters to obtain a second bill allocation sorting table; determining the target allocation resource value for each resource to be returned in the bill allocation table according to the value of the resources to be allocated and the order of the installment repayment items in the second bill allocation sorting table; and performing resource transfer processing on multiple resources to be returned according to the target allocation resource value. By adopting this method, the target allocation resource value for each resource to be returned can be determined to realize the repayment of multiple loans under multiple bills in one transaction, thereby avoiding the problem of users having to make multiple repayments for multiple loans. This process only requires one transaction to realize batch repayment operations, reducing the multiple repayment processes of batch repayments, saving the time of batch repayments, shortening the batch repayment cycle, and improving the efficiency of batch repayments.

Description

Technical Field

[0001] The present application relates to the field of big data analysis technology, and in particular to a resource processing method, apparatus, computer equipment, and storage medium. Background Art

[0002] With the development of internet finance, customers are becoming increasingly flexible in their use of credit funds, and the same customer may have multiple loans under their name. Due to the diversity of loan businesses and the differences in repayment methods across different loan businesses, the repayment date and amount due for each loan may vary.

[0003] Traditionally, multiple loans under a customer's name are billed individually. These bills for the same due date and billing date are then combined and presented to the customer. The customer then repays each loan in a timely manner, following the due date and amount listed in the combined bill. However, this traditional technology results in relatively low repayment efficiency. Summary of the Invention

[0004] Based on this, it is necessary to provide a resource processing method, device, computer equipment and storage medium to address the above technical problems.

[0005] A resource processing method, comprising:

[0006] Obtaining, from a resource information library, a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table; the bill allocation table including information on multiple resources to be returned by the user, the first bill allocation ranking table including installment repayment items for each resource to be returned, and the bill allocation parameter table including resource allocation parameters;

[0007] sorting the installment repayment items in the first bill allocation sorting table according to the value of the resources to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table;

[0008] determining a target resource allocation value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and in the order of the installment return items in the second bill allocation sorting table;

[0009] Resource transfer processing is performed on the multiple resources to be returned according to the target allocated resource values.

[0010] In one embodiment, the resource allocation parameters include a bill number, an allocation method, and a sorting method. Sorting the installment repayment items in the first bill allocation sorting table according to the resource value to be allocated and the resource allocation parameters to obtain a second bill allocation sorting table includes:

[0011] According to the allocation method and the sorting method, the installment repayment items under the bill numbers in the first bill allocation sorting table are sorted to obtain the second bill allocation sorting table.

[0012] In one embodiment, the resource allocation parameter includes a comparison object, and determining the target resource allocation value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment return items in the second bill allocation sorting table includes:

[0013] If the comparison object is the total outstanding resource value, then comparing the to-be-allocated resource value with the total outstanding resource value to obtain a comparison result;

[0014] According to the comparison result and the to-be-allocated resource value, the target allocated resource value of each to-be-returned resource in the bill allocation table is determined according to the order of the installment repayment items in the second bill allocation sorting table.

[0015] In one embodiment, determining the target allocated resource value for each resource to be returned in the bill allocation table according to the comparison result and the resource value to be allocated and in accordance with the order of the installment return items in the second bill allocation sorting table includes:

[0016] If the comparison result is that the to-be-allocated resource value is less than or equal to the total overdue resource value, then allocating the return resource value to each installment return item in the order of the installment return items in the second bill allocation ranking table according to the to-be-allocated resource value, to obtain a target bill allocation ranking table;

[0017] According to the target bill allocation ranking table, a target allocation resource value for each resource to be returned in the bill allocation table is determined.

[0018] In one embodiment, the resource allocation parameter includes an excess mode, and determining, based on the comparison result and the to-be-allocated resource value, and in accordance with the order of the installment repayment items in the second bill allocation sorting table, a target allocated resource value for each to-be-returned resource in the bill allocation table includes:

[0019] If the comparison result is that the to-be-allocated resource value is greater than the total overdue resource value, then allocating the return resource value to each installment return item in the order of the installment return items in the second bill allocation ranking table according to the to-be-allocated resource value, to obtain a target bill allocation ranking table;

[0020] Determine the remaining resource value according to the to-be-allocated resource value and the returned resource value in the target bill allocation ranking table;

[0021] The target allocated resource value of each resource to be returned in the bill allocation table is determined according to the remaining resource value, the excess method and the return resource value allocated to each installment return item in the target bill allocation sorting table.

[0022] In one embodiment, obtaining the bill allocation table, the first bill allocation ranking table, and the bill allocation parameter table through the resource information library includes:

[0023] Constructing the bill allocation table through the resource information library, the bill allocation table includes the to-be-returned resource account number, the to-be-returned resource creation date, the total resource value of the principal to be returned, the earliest resource return date and the installment return resource value of the multiple to-be-returned resources;

[0024] Constructing the first bill allocation sorting table through the resource information library, the first bill allocation sorting table including the due date of the resources to be returned, the value of the resources to be returned, identification information of whether the current period is an overdue period, and the period of the resources to be returned;

[0025] The bill allocation parameter table is obtained through the resource information library.

[0026] In one embodiment, obtaining the bill allocation table through the resource information library includes:

[0027] Constructing a bill-to-be-returned resource relationship table through the resource information library, wherein the bill-to-be-returned resource relationship table includes a user number, the bill number, and the account number of the resource to be returned;

[0028] The bill allocation table is constructed according to the bill to be returned resource relationship table and the resource information library.

[0029] A resource processing device, comprising:

[0030] an acquisition module, configured to acquire, from a resource information repository, a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table; the bill allocation table including information on a plurality of resources to be returned by a user, the first bill allocation ranking table including installment repayment items for each resource to be returned, and the bill allocation parameter table including resource allocation parameters;

[0031] a sorting module, configured to sort the installment repayment items in the first bill allocation sorting table according to the value of the resource to be allocated and the resource allocation parameter, to obtain a second bill allocation sorting table;

[0032] a resource allocation module, configured to determine a target resource allocation value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and in the order of the installment return items in the second bill allocation sorting table;

[0033] The resource transfer module is used to perform resource transfer processing on the multiple resources to be returned according to the target allocated resource value.

[0034] A computer device includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0035] Obtaining, from a resource information library, a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table; the bill allocation table including information on multiple resources to be returned by the user, the first bill allocation ranking table including installment repayment items for each resource to be returned, and the bill allocation parameter table including resource allocation parameters;

[0036] sorting the installment repayment items in the first bill allocation sorting table according to the value of the resources to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table;

[0037] determining a target resource allocation value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and in the order of the installment return items in the second bill allocation sorting table;

[0038] Resource transfer processing is performed on the multiple resources to be returned according to the target allocated resource values.

[0039] A storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the following steps are implemented:

[0040] Obtaining, from a resource information library, a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table; the bill allocation table including information on multiple resources to be returned by the user, the first bill allocation ranking table including installment repayment items for each resource to be returned, and the bill allocation parameter table including resource allocation parameters;

[0041] sorting the installment repayment items in the first bill allocation sorting table according to the value of the resources to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table;

[0042] determining a target resource allocation value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and in the order of the installment return items in the second bill allocation sorting table;

[0043] Resource transfer processing is performed on the multiple resources to be returned according to the target allocated resource values.

[0044] In the resource processing method, apparatus, computer device, and storage medium, the computer device can obtain a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table through a resource information database, sort the installment repayment items in the first bill allocation ranking table according to the to-be-allocated resource values ​​and the resource allocation parameters to obtain a second bill allocation ranking table, determine the target allocation resource value for each to-be-returned resource in the bill allocation table according to the to-be-allocated resource values ​​and the order of the installment repayment items in the second bill allocation ranking table, and perform resource transfer processing on multiple to-be-returned resources according to the target allocation resource values; the method can sort the installment repayment items of multiple loans of a user through the bill allocation parameter table, determine the target allocation resource value for each to-be-returned resource according to the to-be-allocated resource values ​​and the sorting results, and then implement a single transaction to repay multiple loans under multiple bills based on the target allocation resource value of each to-be-returned resource, thereby avoiding the problem of multiple repayments for multiple loans of the user. This process only requires one transaction to implement batch repayment operations, reducing the multiple repayment processes of batch repayments, saving batch repayment time, shortening the batch repayment cycle, and improving batch repayment efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 This is a diagram showing the internal structure of the computer device in the first embodiment;

[0046] Figure 2 Schematic diagram of the resource processing method in the second embodiment;

[0047] Figure 3 A flowchart of a method for obtaining a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table in the third embodiment;

[0048] Figure 4 A flowchart of a method for obtaining a bill allocation table through a resource information library in a fourth embodiment;

[0049] Figure 5 A flowchart of a method for determining a target allocation resource value for each resource to be returned in a bill allocation table in a fifth embodiment;

[0050] Figure 6 A flowchart of a specific method for determining a target allocation resource value for each resource to be returned in a bill allocation table in a sixth embodiment;

[0051] Figure 7 A flowchart of a specific method for determining a target allocation resource value for each resource to be returned in a bill allocation table in the seventh embodiment;

[0052] Figure 8 FIG. 4 is a structural block diagram of a resource processing device corresponding to the method in the second embodiment. DETAILED DESCRIPTION

[0053] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0054] The resource processing method provided in this application can be applied to Figure 1 The computer equipment shown. Figure 1 As shown, the computer device includes a processor, memory, a network interface, a display screen, and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store a resource information library. The network interface of the computer device is used to communicate with external endpoints via a network connection. When executed by the processor, the computer program implements a resource processing method.

[0055] Among them, the acquisition, storage, use and / or processing of data in this embodiment comply with the relevant provisions of national laws and regulations.

[0056] Those skilled in the art will understand that Figure 1 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0057] It should be noted that the resource processing methods provided in the embodiments of this application may be executed by a resource processing device, which may be implemented as part or all of a computer device through software, hardware, or a combination of software and hardware. The following method embodiments are described using a computer device as an example. The following embodiments illustrate the implementation process of resource processing performed by a computer device.

[0058] In one embodiment, Figure 2 As shown, a resource processing method is provided, which is applied to Figure 1 The computer device in the example is used to illustrate the process, including the following steps:

[0059] S100. Obtain a bill allocation table, a first bill allocation sorting table, and a bill allocation parameter table through a resource information library; the bill allocation table includes information on multiple resources to be returned by the user, the first bill allocation sorting table includes installment return items for each resource to be returned, and the bill allocation parameter table includes resource allocation parameters.

[0060] Specifically, the computer device can obtain information from the bill allocation table, the first bill allocation ranking table, and the bill allocation parameter table through the resource information database. The resource information database can store basic information about multiple pending resources for different users. In this embodiment, the pending resources can be loans. The resource information database can include user IDs, bill numbers for different bills for each user, loan numbers for multiple loans on the same bill for different users, loan information for each loan, and repayment information for each loan. Loan information can include the total loan amount, loan method, account opening date, loan interest rate, and other information. Repayment methods can include monthly net interest repayment, monthly equal principal and interest repayment, and monthly equal principal repayment. Repayment information can include the repayment date, repayment amount, and repayment period for each repayment period under different repayment methods. The resource information database is not limited to this information and can also include other loan-related information. Lending institutions can generate multiple bills for multiple loans for the same user based on different loan methods. Each bill can correspond to information for multiple loans under the same loan method.

[0061] It can be understood that the bill allocation table may include information on multiple resources to be returned on different bills of the user or information on comparative resources to be returned on the same bill of the user. The information on multiple resources to be returned may be loan numbers of multiple loans, bill numbers to which multiple loans belong, user numbers corresponding to multiple loans, loan institution numbers of multiple loans, loan cities of multiple loans, etc.; the first bill allocation sorting table may include installment repayment items for each resource to be returned, and the installment repayment items for each resource to be returned may include multiple repayment information for each loan. The multiple repayment information may include the due repayment period, due repayment date, due repayment amount, installment repayment amount, whether each period is an overdue period, etc.; the above-mentioned bill allocation parameter table may include resource allocation parameters, and the resource allocation parameters may include the repayment allocation amount for each period, the repayment date for each period, etc., but this embodiment is not limited to these.

[0062] It can also be understood that the above-mentioned loan number can be understood as a number that uniquely identifies a loan, the above-mentioned bill number can be understood as a number that uniquely identifies a bill, the above-mentioned user number can be understood as a number that uniquely identifies a customer, the above-mentioned repayment date can be understood as the repayment date of each repayment cycle, the above-mentioned installment repayment amount can be understood as the fixed amount to be repaid for each repayment cycle, the above-mentioned repayable amount can be understood as the repayment amount for each repayment cycle (including the installment repayment amount, the overdue amount for the overdue period, and the overdue penalty interest), the above-mentioned account opening date can be understood as the date on which each loan is opened, and the above-mentioned repayable period can be understood as the repayable period for the same loan in the current status.

[0063] S200 . Sort the installment repayment items in the first bill allocation sorting table according to the value of the resources to be allocated and the resource allocation parameters to obtain a second bill allocation sorting table.

[0064] Specifically, the computer device can sort the installment repayment items in the first bill allocation sorting table from multiple dimensions based on the resource value to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table. The above-mentioned resource value to be allocated can be understood as the total repayment amount that the user is about to repay. The above-mentioned resource value to be allocated can be understood as the total transaction amount or the total repayment amount. The installment repayment items in the first bill allocation sorting table and the second bill allocation sorting table may include the amount to be repaid in each period. The total number of installment repayment items in the first bill allocation sorting table and the total number of installment repayment items in the second bill allocation sorting table can be equal. The above-mentioned multiple dimensions can include repayment date, repayment amount, number of delinquent periods, loan principal balance, etc. The loan principal balance can be understood as the remaining unpaid principal of each loan.

[0065] It is understandable that the arrangement order of the installment repayment items in the first bill allocation sorting table may be the same as or different from the arrangement order of the installment repayment items in the second bill allocation sorting table.

[0066] S300: Determine the target allocated resource value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment return items in the second bill allocation sorting table.

[0067] Specifically, the computer device may determine a target resource allocation value for each resource to be returned in the bill allocation table based on the resource value to be allocated and the repayable amount of each installment return item in the second bill allocation ranking table, in accordance with the order of the installment return items in the second bill allocation ranking table. The resource value to be allocated may be greater than, equal to, or less than the sum of the repayable amounts of all installment return items in the second bill allocation ranking table. The target resource allocation value may be less than or equal to the sum of the repayable amounts of all installment return items corresponding to each resource to be returned in the second bill allocation ranking table.

[0068] S400: Perform resource transfer processing on multiple resources to be returned according to target allocated resource values.

[0069] It is understandable that the computer device can allocate resource values ​​according to the target of each resource to be returned, and perform a one-time resource transfer process on multiple resources to be returned, so that multiple loans under multiple bills can be returned in one transaction.

[0070] In the above resource processing method, the computer device can obtain the bill allocation table, the first bill allocation sorting table and the bill allocation parameter table through the resource information library, sort the installment repayment items in the first bill allocation sorting table according to the value of the resources to be allocated and the resource allocation parameters, and obtain the second bill allocation sorting table. According to the value of the resources to be allocated and the order of the installment repayment items in the second bill allocation sorting table, the target allocation resource value of each resource to be returned in the bill allocation table is determined, and resource transfer processing is performed on multiple resources to be returned according to the target allocation resource value; the method can sort the installment repayment items of multiple loans of the user through the bill allocation parameter table, and determine the installment repayment items according to the value of the resources to be allocated and the sorting result. The target allocation resource value of each resource to be returned is then used to realize the repayment of multiple loans under multiple bills through one transaction based on the target allocation resource value of each resource to be returned, thereby avoiding the problem that users need to make multiple repayments for multiple loans. The process only requires one transaction to realize batch repayment operations, reducing the multiple repayment processes of batch repayments, saving batch repayment time, shortening the batch repayment cycle, improving batch repayment efficiency, and making batch repayment operations simple and fast; at the same time, the method can consider from multiple dimensions and sort the installment repayment items in the first bill allocation sorting table to flexibly allocate the resource values ​​to be allocated among multiple resources to be returned, thereby improving the superiority of the repayment method.

[0071] As one example, Figure 3 As shown, the step of obtaining the bill allocation table, the first bill allocation ranking table, and the bill allocation parameter table through the resource information library in S100 can be implemented by the following steps:

[0072] S110. Construct a bill allocation table through the resource information library. The bill allocation table includes the to-be-returned resource account number, to-be-returned resource creation date, the total resource value of the principal to be returned, the earliest resource return date, and the installment return resource value of multiple to-be-returned resources.

[0073] In this embodiment, the above-mentioned resource account to be returned can be understood as a loan account, the creation date of the resource to be returned can be understood as the account opening date, the total resource value of the principal to be returned can be understood as the loan principal balance, the earliest date on which the resources should be returned can be understood as the earliest repayment date, and the resource value to be returned in installments can be understood as the installment repayment amount.

[0074] It should be noted that the computer device can obtain the to-be-returned resource account number, to-be-returned resource creation date, total resource value of the principal to be returned, earliest date on which the resources should be returned, and installment return resource value of multiple to-be-returned resources of the same bill or different bills of the same user from the resource information library, and use this information to construct a bill allocation table.

[0075] Among them, such as Figure 4 As shown, the step of obtaining the bill allocation table through the resource information library in the above S110 may specifically include:

[0076] S111. Construct a bill-to-be-returned resource relationship table through the resource information database. The bill-to-be-returned resource relationship table includes a user number, a bill number, and an account number of resources to be returned.

[0077] It is understandable that the computer device can obtain the user number, bill number and account number of the resource to be returned corresponding to multiple resources to be returned of the same user and the same bill or different bills from the resource information library, and construct a bill-to-be-returned resource relationship table through this information.

[0078] For example, Table 1 shows a constructed bill repayment resource relationship table corresponding to two loans (A01 and A02) under the same bill (B01) of the same user (C01).

[0079] Table 1

[0080]

[0081]

[0082] S112: Construct a bill allocation table based on the bill-to-be-returned resource relationship table and the resource information database.

[0083] It can also be understood that the computer device can obtain the to-be-returned resource creation date, the total resource value of the principal to be returned, the earliest resource repayment date and the installment repayment resource value of multiple to-be-returned resources from the resource information library based on the to-be-returned resource account number in the bill to-be-returned resource relationship table. At the same time, the initial allocated resource value can be added to the constructed bill allocation table, and the initial allocated resource value can be initialized to 0.

[0084] Continuing with the previous example, Table 1 contains two loans, A01 and A02. The account opening date, loan principal balance, earliest repayment date, and installment repayment amount of these two loans can be obtained from the resource information library. Then, a bill allocation table is constructed, and the initial resource allocation values ​​of the two loans are added to the bill allocation table to obtain the bill allocation table shown in Table 2. The serial number in Table 2 is the sorting order for each loan.

[0085] Table 2

[0086]

[0087] S120. Construct a first bill allocation sorting table through the resource information library. The first bill allocation sorting table includes the due date of return of multiple resources to be returned, the due value of the resources to be returned, identification information of whether the current period is an overdue period, and the period of the resources to be returned.

[0088] Specifically, the computer device can obtain the resource return date, resource value, identification information of whether the current period is an overdue period, and resource return period of multiple resources to be returned for the same bill or different bills of the same user from the resource information library, and construct a first bill allocation sorting table based on this information.

[0089] It is understood that the identification information of the above-mentioned delinquent periods can be letters, numbers, or special characters. Correspondingly, the identification information of the normal periods can also be letters, numbers, or special characters. The identification information of the delinquent periods is different from the identification information of the normal periods. In this embodiment, the identification information of the delinquent periods and the identification information of the normal periods are represented by numbers, with the identification information of the delinquent periods being represented by 1 and the identification information of the normal periods being represented by 2. The above-mentioned periods of resources to be returned can be understood as periods of repayment.

[0090] Continuing with the previous example, Table 3 shows the constructed corresponding first bill allocation sorting table. In Table 3, the identification information of the current period being a delinquent period is represented by 1, and the identification information of the current period not being a delinquent period is represented by 2. In Table 3, there are 4 delinquent periods under loan A01, including February, March, April, and May, and the total delinquent amount is equal to 5200.00 (i.e., 1000.00+1200.00+1400.00+1600.00). In June, there is one normal period under loan A01, and the normal repayment amount is 1800.00. In loan A02, there are 2 delinquent periods, including April and May, and the total delinquent amount can be equal to 2700.00 (i.e., 1200.00+1500.00). ), loan A02 has one regular installment in June, with a regular repayment amount of 1600.00. The total overdue amount for all delinquent installments in this first bill allocation sorting table is 7900.00 (i.e., 5200.00 + 2700.00), and the total regular repayment amount for all regular installments is 3400.00 (i.e., 1600.00 + 1800.00). The sum of the total overdue amount for all delinquent installments and the total regular repayment amount for all regular installments is 11300.00 (i.e., 7900.00 + 3400.00). In Table 3, a payable installment of 1 represents the first installment of the corresponding loan, a payable installment of 2 represents the second installment of the corresponding loan, and so on for other installments. Except for the first row in the header, each row of information in the first bill allocation sorting table can be referred to as an installment repayment item.

[0091] Table 3

[0092]

[0093] S130: Obtain a bill allocation parameter table from a resource information library.

[0094] Specifically, the bill allocation parameter table can be a pre-set allocation parameter table for multiple loans under different bills for different users. This bill allocation parameter table can be pre-stored in a resource information library. The computer device can directly retrieve the bill allocation parameter table from the resource information library. In this embodiment, the bill allocation table may include a bill number, comparison object, allocation method, sorting method, and excess method.

[0095] The above-mentioned resource processing method can obtain the bill allocation table, the first bill allocation sorting table and the bill allocation parameter table through the resource information library, and then determine the target allocation resource value of each resource to be returned in the bill allocation table according to the resource value to be allocated, the bill allocation table, the first bill allocation sorting table and the bill allocation parameter table, and perform resource transfer processing on multiple resources to be returned according to the target allocation resource value; the method can sort the installment repayment items of multiple loans of the user through the bill allocation parameter table, and determine the target allocation resource value of each resource to be returned according to the resource value to be allocated and the sorting result, and then perform resource transfer processing on the multiple resources to be returned according to the target allocation resource value. The resource value allocation is used to repay multiple loans under multiple bills in one transaction, thereby avoiding the problem of users having to make multiple repayments for multiple loans. This process only requires one transaction to realize batch repayment operations, reducing the multiple repayment processes of batch repayments, saving batch repayment time, shortening the batch repayment cycle, and improving batch repayment efficiency, making batch repayment operations simple and fast, and further improving user experience; at the same time, this method can consider from multiple dimensions and sort the installment repayment items in the first bill allocation sorting table to flexibly allocate the resource values ​​to be allocated among multiple resources to be returned, thereby improving the superiority of the repayment method.

[0096] As one of the embodiments, the resource allocation parameters include a bill number, an allocation method, and a sorting method. The step of sorting the installment repayment items in the first bill allocation sorting table according to the resource value to be allocated and the resource allocation parameters to obtain the second bill allocation sorting table in the above S200 may include: sorting the installment repayment items under the bill number in the first bill allocation sorting table according to the allocation method and the sorting method to obtain the second bill allocation sorting table.

[0097] Specifically, the above-mentioned allocation method can indicate whether the total overdue resource value of the overdue period and the total normal repayment value of the normal period are compared together when the resource value to be allocated is less than or equal to the comparison object. The allocation method can include multiple methods, namely allocation method A, allocation method B, allocation method C and allocation method D, among which allocation method A means comparing the total overdue resource value of all overdue periods and the total normal repayment value of all normal periods together, allocation method B means comparing the total overdue resource value of all overdue periods and the total normal repayment value of all normal periods separately, allocation method C means ignoring the value of the sorting method and evenly distributing the resource value to be allocated to one or more loans with overdue periods, and allocation method D means ignoring the value of the sorting method and evenly distributing the resource value to be allocated to one or more loans without overdue periods.

[0098] At the same time, the aforementioned sorting method can indicate the order in which the resource value to be allocated is allocated to the delinquent periods and normal periods when the resource value to be allocated is less than or equal to the comparison object. This sorting method can include multiple methods, namely sorting method A, sorting method B, sorting method C, and sorting method D. Sorting method A indicates that multiple loans are sorted from nearest to furthest due repayment date (when allocating the resource value to be allocated, the resource value to be allocated is allocated sequentially according to the sorting result), sorting method B indicates that multiple loans are sorted from smallest to largest due repayment period (when allocating the resource value to be allocated, the resource value to be allocated is allocated sequentially according to the sorting result), sorting method C indicates that multiple loans are sorted from nearest to furthest due repayment date (when allocating the resource value to be allocated, one loan is allocated first, then another loan is allocated), and sorting method D indicates that multiple loans are sorted from smallest to largest due repayment amount (when allocating the resource value to be allocated, one loan is allocated first, then another loan is allocated). The aforementioned earliest due repayment date can be understood as the due date of the earliest due repayment period of each loan under its current status.

[0099] The computer device may sort the installment repayment items under the bill number in the first bill allocation sorting table according to a pre-set allocation method and sorting method. The resource allocation parameter may include one bill number or multiple bill numbers, and different bill numbers may correspond to different allocation methods and sorting methods. In this embodiment, the installment repayment items under the current bill number in the first bill allocation sorting table may be sorted according to the corresponding allocation method and sorting method set for each bill number.

[0100] Continuing with the previous example, Table 4 shows a bill allocation table corresponding to the preset bill number B01 when the comparison object is less than or equal to the total amount of arrears.

[0101] Table 4

[0102] Bill Number Comparison Object Allocation method sort by Exceeding the limit B01 DQ A D C

[0103] Continuing with the previous example, if the user needs to make a repayment transaction on 2021 / 06 / 01, the total repayment amount of the repayment transaction is 6000.00, indicating that the total repayment amount is less than the total overdue amount of all overdue periods of 7900.00. The computer device can sort the installment repayment items under the bill number in the first bill allocation sorting table according to the allocation method A and the sorting method D, that is, compare the total overdue resource values ​​of all overdue periods with the total normal repayment resource values ​​of all normal periods, and sort multiple loans from small to large according to the repayable amount of each period, and when the repayable amount is the same, sort them from small to large according to the repayable date. Therefore, after sorting the installment repayment items in the first bill allocation sorting table according to the conditions of ascending repayable amount, ascending repayable date, and ascending loan account number, the second bill allocation sorting table obtained is shown in Table 5.

[0104] Table 5

[0105]

[0106] The above-mentioned resource processing method can sort the installment repayment items under the bill number in the first bill allocation sorting table according to the allocation method and sorting method to obtain a second bill allocation sorting table, and then determine the target allocation resource value of each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment repayment items in the second bill allocation sorting table, so as to perform resource transfer processing on multiple resources to be returned according to the target allocation resource value; this method can consider the installment repayment items in the first bill allocation sorting table from multiple dimensions to flexibly allocate the value of the resource to be allocated among multiple resources to be returned, thereby improving the superiority of the repayment method and further improving the user experience.

[0107] As one embodiment, the resource allocation parameter includes a comparison object, such as Figure 5 As shown, the step of determining the target allocation resource value of each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment return items in the second bill allocation sorting table in S300 can be achieved by the following steps:

[0108] S310: If the comparison object is the total resource value in arrears, the resource value to be allocated is compared with the total resource value in arrears to obtain a comparison result.

[0109] Specifically, the above-mentioned comparison object can be understood as an object for comparison with the resource value to be allocated. In this embodiment, the comparison object can be the total overdue resource value corresponding to all overdue periods (i.e., marked with DQ), or the total normal return resource value corresponding to all normal periods. It can also be the sum of the total overdue resource value corresponding to all overdue periods and the total normal return resource value corresponding to all normal periods (i.e., marked with DC). The above-mentioned total overdue resource value can be the sum of the overdue resource values ​​corresponding to all overdue periods in the second bill allocation sorting table. If the comparison object is the total overdue resource value, the computer device can compare the resource value to be allocated with the total overdue resource value to obtain whether the resource value to be allocated is greater than, equal to, or less than the total overdue resource value.

[0110] S320: Determine the target allocation resource value for each resource to be returned in the bill allocation table according to the comparison result and the value of the resource to be returned, and in accordance with the order of the installment return items in the second bill allocation sorting table.

[0111] It is understood that, based on the comparison results, the computer device can sequentially allocate the to-be-allocated resource values ​​to the different installment repayment items according to the order of the installment repayment items in the second bill allocation ranking table, thereby determining the target allocation resource value for each to-be-repaid resource in the bill allocation table. The target allocation resource value and the sum of the repayment resource values ​​corresponding to the installment repayment items in the second bill allocation ranking table after allocation may be equal or unequal. The aforementioned repayment resource value can be understood as the repayment amount allocated to each loan installment.

[0112] Among them, such as Figure 6 As shown, the step of determining the target allocation resource value for each resource to be returned in the bill allocation table according to the comparison result and the value of the resource to be returned and in accordance with the order of the installment return items in the second bill allocation sorting table in S320 can be achieved by the following steps:

[0113] S321. If the comparison result is that the value of resources to be allocated is less than or equal to the total value of overdue resources, the return resource value is allocated to each installment return item in the order of the installment return items in the second bill allocation sorting table according to the value of resources to be allocated, and the target bill allocation sorting table is obtained.

[0114] It should be noted that if the comparison result is determined to be that the value of resources to be allocated is less than or equal to the total overdue resource value, the computer device can allocate the repayment resource value to all installment repayment items or part of the installment repayment items in the order of the installment repayment items in the second bill allocation sorting table based on the value of resources to be allocated and the repayable amount of each installment repayment item in the second bill allocation sorting table to obtain the target bill allocation sorting table.

[0115] Continuing with the previous example, we allocate the resource values ​​to the different installment repayment items in the order of the installment repayment items in the second bill allocation ranking table. This yields the corresponding repayment resource values ​​for each installment repayment item in the target bill allocation ranking table. Table 6 shows the target bill allocation ranking table. In this case, repayment resource values ​​are allocated only to the delinquent installments.

[0116] Table 6

[0117]

[0118] S322: Determine the target allocation resource value for each resource to be returned in the bill allocation table according to the target bill allocation sorting table.

[0119] Specifically, the computer device may calculate the sum of the returned resource values ​​of each resource to be returned in the target bill allocation ranking table, and then determine the target allocated resource value of each resource to be returned in the bill allocation table.

[0120] This embodiment can obtain a target bill allocation ranking table, and determine the target allocation resource value for each resource to be returned in the bill allocation table based on the target bill allocation ranking table, and then perform resource transfer processing on multiple resources to be returned based on the target allocation resource value; this method can realize the repayment of multiple loans under multiple bills in one transaction, further improving the user experience.

[0121] The above-mentioned resource processing method can compare the resource value to be allocated and the total resource value to be overdue when determining that the comparison object is the total resource value to be compared, obtain a comparison result, and determine the target allocation resource value of each resource to be returned in the bill allocation table according to the comparison result and the resource value to be allocated, in accordance with the order of the installment repayment items in the second bill allocation sorting table, and then perform resource transfer processing on multiple resources to be returned according to the target allocation resource value; this method can realize the repayment of multiple loans under multiple bills in one transaction, thereby avoiding the problem of users having to make multiple repayments for multiple loans. This process only requires one transaction to realize batch repayment operations, reducing the multiple repayment processes of batch repayments, saving batch repayment time, shortening the batch repayment cycle, improving batch repayment efficiency, making batch repayment operations simple and fast, and further improving user experience.

[0122] As one embodiment, the resource allocation parameters include an excess mode, such as Figure 7 As shown, the step of determining the target allocation resource value for each resource to be returned in the bill allocation table according to the comparison result and the value of the resource to be returned and in accordance with the order of the installment return items in the second bill allocation sorting table in S320 can be achieved by the following steps:

[0123] S330. If the comparison result shows that the value of resources to be allocated is greater than the total value of overdue resources, the return resource value is allocated to each installment return item in the order of the installment return items in the second bill allocation sorting table according to the value of resources to be allocated, and the target bill allocation sorting table is obtained.

[0124] Specifically, if the comparison result is determined to be that the value of resources to be allocated is greater than the total value of overdue resources, the computer device may allocate a return resource value to each installment return item in the order of the installment return items in the second bill allocation ranking table according to the value of resources to be allocated, and the sum of the allocated return resource values ​​may be less than or equal to the value of resources to be allocated. The target bill allocation ranking table may include a return resource value for each installment return item. The return resource value may be equal to all or part of the amount to be repaid of each installment return item, and the return resource value of each installment return item in the target bill allocation ranking table may be equal to or less than the amount to be repaid of each installment return item, or may be equal to 0.

[0125] S340: Determine the remaining resource value according to the resource value to be allocated and the returned resource value in the target bill allocation ranking table.

[0126] It should be noted that the computer device can calculate the sum of all returned resource values ​​in the target bill allocation sorting table to obtain the total returned resource value, and then subtract the to-be-allocated resource value from the total returned resource value to obtain the remaining resource value.

[0127] S350: Determine the target allocated resource value for each resource to be returned in the bill allocation table according to the remaining resource value, the excess method, and the return resource value allocated to each installment return item in the target bill allocation sorting table.

[0128] Specifically, the above-mentioned exceeding method can be understood as the allocation method of the exceeding resource value when the resource value to be allocated exceeds the comparison object. In this embodiment, it can be understood as the allocation method of allocating the remaining resource value to each resource to be returned in the bill allocation table. The above-mentioned exceeding method can include multiple methods, namely exceeding method A, exceeding method B, exceeding method C, exceeding method D, exceeding method E, exceeding method F and exceeding method H, among which exceeding method A means allocating all the remaining resource value to the earliest opened loan, exceeding method B means allocating all the remaining resource value to the latest opened loan, exceeding method C means allocating all the remaining resource value to the loan with the smallest loan principal balance, exceeding method D means allocating all the remaining resource value to the loan with the largest loan principal balance, exceeding method E means allocating all the remaining resource value to the loan with the smallest installment repayment amount, exceeding method F means allocating all the remaining resource value to the loan with the largest installment repayment amount, and exceeding method H means allocating the remaining resource value evenly to each loan.

[0129] It should be noted that the computer device can calculate the total resource value to be returned for each resource to be returned in the target bill allocation sorting table based on the return resource value allocated to each installment return item in the target bill allocation sorting table, and then determine the target resource value to be returned for each resource to be returned in the bill allocation table based on the remaining resource value, the excess method, and the total resource value to be returned. The target resource value to be returned for each resource to be returned can be greater than or equal to the total resource value to be returned for each resource to be returned.

[0130] Continuing with the previous example, if the total repayment amount is 10,000.00, the initial allocated resource value for each resource to be returned in the bill allocation table can be determined based on the repayment resource value allocated to each installment repayment item in the target bill allocation sorting table, as shown in Table 7.

[0131] Table 7

[0132]

[0133] At the same time, since the total amount returned is 10,000.00, the total amount returned is greater than the total amount in arrears. Therefore, the target bill allocation sorting table obtained according to the allocation method A and sorting method D set in the bill allocation table in Table 4 is shown in Table 8 below.

[0134] Table 8

[0135]

[0136]

[0137] Furthermore, since the total amount repaid is greater than the total amount in arrears, and according to the excess method C set in the bill allocation table in Table 4, the remaining resource value of 2100.00 (i.e., 10000.00-7900.00) is all allocated to the loan with the smallest loan principal balance in the bill allocation table. The results are shown in Table 9.

[0138] Table 9

[0139]

[0140] In addition, if the excess method is set to excess method A in the bill allocation table, the remaining resource value 2100.00 (i.e. 10000.00-7900.00) is all allocated to the loan opened earliest in the bill allocation table. The result is shown in Table 10.

[0141] Table 10

[0142]

[0143] If the excess method is set to excess method B in the bill allocation table, the remaining resource value of 2100.00 (i.e. 10000.00-7900.00) is all allocated to the latest loan opened in the bill allocation table. The result is shown in Table 11.

[0144] Table 11

[0145]

[0146]

[0147] If the excess method is set to excess method D in the bill allocation table, the remaining resource value 2100.00 (i.e. 10000.00-7900.00) is all allocated to the loan with the largest loan principal balance in the bill allocation table. The result is shown in Table 12.

[0148] Table 12

[0149]

[0150] If the excess method is set to excess method E in the bill allocation table, the remaining resource value 2100.00 (i.e. 10000.00-7900.00) is all allocated to the loan with the smallest installment repayment amount in the bill allocation table. The result is shown in Table 13.

[0151] Table 13

[0152]

[0153] If the excess method is set to excess method F in the bill allocation table, the remaining resource value 2100.00 (i.e. 10000.00-7900.00) is all allocated to the loan with the largest installment repayment amount in the bill allocation table. The result is shown in Table 14.

[0154] Table 14

[0155]

[0156] If the excess method is set to excess method H in the bill allocation table, the remaining resource value 2100.00 (i.e. 10000.00-7900.00) is evenly distributed to each loan in the bill allocation table. The result is shown in Table 15.

[0157] Table 15

[0158]

[0159] Continuing with the previous example, however, when the allocation method set in the bill allocation parameter table is allocation method A and the set sorting method is sorting method A, in this case, the total overdue resource values ​​of all overdue periods and the total normal repayment resource values ​​of all normal periods are compared together, and multiple loans are sorted from near to far according to the due date. After sorting each installment repayment item under the current bill number in the first bill allocation sorting table in ascending order of due date and in ascending order of loan account number, the second bill allocation sorting table obtained is shown in Table 16.

[0160] Table 16

[0161]

[0162] When the allocation method set in the bill allocation parameter table is allocation method A and the sorting method set is sorting method B, in this case, the total overdue resource values ​​of all overdue periods and the total normal repayment resource values ​​of all normal periods are compared together, and multiple loans are sorted from small to large according to the repayment period. After sorting the installment repayment items under the current bill number in the first bill allocation sorting table in ascending order of the repayment period, the repayment date, and the loan account number, the second bill allocation sorting table obtained is shown in Table 17.

[0163] Table 17

[0164]

[0165] When the allocation method set in the bill allocation parameter table is allocation method A and the sorting method set is sorting method C, in this case, the total overdue resource values ​​of all overdue periods and the total normal repayment resource values ​​of all normal periods are compared together, and multiple loans are sorted from near to far according to the earliest repayment date. After sorting each installment repayment item under the current bill number in the first bill allocation sorting table in ascending order of repayment date, repayment period, and loan account number, the second bill allocation sorting table obtained is shown in Table 17.

[0166] Table 17

[0167]

[0168]

[0169] When the allocation method set in the bill allocation parameter table is allocation method B and the sorting method set is sorting method A, in this case, the total overdue resource values ​​of all overdue periods and the total normal repayment resource values ​​of all normal periods are compared separately, and multiple loans are sorted from near to far according to the due repayment date. After sorting each installment repayment item under the current bill number in the first bill allocation sorting table according to the identification information of whether the current period is an overdue period, according to the ascending order of the due repayment date, and according to the ascending order of the loan account number, the second bill allocation sorting table obtained is shown in Table 18.

[0170] Table 18

[0171]

[0172] When the allocation method set in the bill allocation parameter table is allocation method B and the set sorting method is sorting method B, in this case, the total overdue resource values ​​of all overdue periods and the total normal repayment resource values ​​of all normal periods are compared separately, and multiple loans are sorted from small to large according to the repayment period. After sorting each installment repayment item under the current bill number in the first bill allocation sorting table according to the identification information of whether the current period is an overdue period, in ascending order of the repayment period, in ascending order of the repayment date, and in ascending order of the loan account number, the second bill allocation sorting table obtained is shown in Table 19.

[0173] Table 19

[0174]

[0175] When the allocation method set in the bill allocation parameter table is allocation method B and the sorting method set is sorting method C, in this case, the total overdue resource values ​​of all overdue periods and the total normal repayment resource values ​​of all normal periods are compared separately, and multiple loans are sorted from near to far according to the earliest repayment date. After sorting each installment repayment item under the current bill number in the first bill allocation sorting table according to the identification information of whether the current period is an overdue period, in ascending order of the repayment date, in ascending order of the loan account number, and in ascending order of the repayment period, the second bill allocation sorting table obtained is shown in Table 20.

[0176] Table 20

[0177]

[0178]

[0179] When the allocation method set in the bill allocation parameter table is allocation method B and the sorting method set is sorting method D, in this case, the total overdue resource values ​​of all overdue periods and the total normal repayment resource values ​​of all normal periods are compared separately, and multiple loans are sorted from small to large according to the amount to be repaid. After sorting each installment repayment item under the current bill number in the first bill allocation sorting table according to the identification information of whether the current period is an overdue period, in ascending order of the amount to be repaid, and in ascending order of the due repayment date, the second bill allocation sorting table obtained is shown in Table 21.

[0180] Table 21

[0181]

[0182] When the allocation method set in the bill allocation parameter table is allocation method C, the value of the sorting method needs to be ignored. In this case, the total repayment amount will be evenly distributed to the loans in each delinquent period. When the allocation method set is allocation method D, it means that the value of the sorting method is ignored, and the total repayment amount will be evenly distributed to the loans without delinquent periods. According to the previous example, it can be seen that loans A01 and A02 both have delinquent periods. Assuming the total repayment amount is 6000.00, the final bill allocation table is shown in Table 22.

[0183] Table 22

[0184]

[0185]

[0186] The above-mentioned resource processing method can determine the target allocation resource value of each resource to be returned in the bill allocation table, and then perform resource transfer processing on multiple resources to be returned according to the target allocation resource value; this method can realize the repayment of multiple loans under multiple bills in one transaction, thereby avoiding the problem of users having to make multiple repayments for multiple loans. This process only requires one transaction to realize batch repayment operations, reducing the multiple repayment processes of batch repayments, saving batch repayment time, shortening the batch repayment cycle, and improving batch repayment efficiency, making batch repayment operations simple and fast, and further improving user experience.

[0187] To facilitate understanding by those skilled in the art, the resource processing method provided in this application is described by taking a computer device as an example. Specifically, the method includes:

[0188] (1) A bill-to-be-returned resource relationship table is constructed through the resource information database. The bill-to-be-returned resource relationship table includes the user number, bill number, and resource account number to be returned.

[0189] (2) Based on the bill to-be-returned resource relationship table and the resource information database, a bill allocation table is constructed. The bill allocation table includes the to-be-returned resource account number, the to-be-returned resource creation date, the total resource value of the principal to be returned, the earliest date on which the resource should be returned, and the installment return resource value of multiple to-be-returned resources.

[0190] (3) Constructing a first bill allocation sorting table through the resource information database, the first bill allocation sorting table includes the due date of the resources to be returned, the value of the resources to be returned, the identification information of whether the current period is an overdue period, and the period of the resources to be returned.

[0191] (4) Obtain the bill allocation parameter table through the resource information library.

[0192] (5) Sort the installment repayment items under the bill number in the first bill allocation sorting table according to the allocation method and sorting method in the resource allocation parameters to obtain a second bill allocation sorting table.

[0193] (6) If the comparison object in the resource allocation parameter is the total resource value in arrears, the resource value to be allocated is compared with the total resource value in arrears to obtain a comparison result.

[0194] (7) If the comparison result is that the value of the resources to be allocated is less than or equal to the total value of the overdue resources, the return resource value is allocated to each installment return item in the order of the installment return items in the second bill allocation sorting table according to the value of the resources to be allocated, and the target bill allocation sorting table is obtained.

[0195] (8) According to the target bill allocation sorting table, determine the target allocation resource value of each resource to be returned in the bill allocation table.

[0196] (9) If the comparison result shows that the value of the resources to be allocated is greater than the total value of the overdue resources, the return resource value is allocated to each installment return item in the order of the installment return items in the second bill allocation sorting table according to the value of the resources to be allocated, and the target bill allocation sorting table is obtained.

[0197] (10) Determine the remaining resource value based on the resource value to be allocated and the returned resource value in the target bill allocation sorting table.

[0198] (11) Determine the target allocation resource value for each resource to be returned in the bill allocation table based on the remaining resource value, the excess method in the resource allocation parameter, and the return resource value allocated to each installment return item in the target bill allocation sorting table.

[0199] The execution process of the above (1) to (11) can be specifically referred to the description of the above embodiment. The implementation principles and technical effects are similar and will not be repeated here.

[0200] It should be understood that although Figure 2-7The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. In addition, Figure 2-7 At least part of the steps may include multiple steps or multiple stages. These steps or stages are not necessarily performed at the same time, but can be performed at different times. The order of execution of these steps or stages is not necessarily one by one, but can be performed in turn or alternately with other steps or at least part of the steps or stages in other steps.

[0201] In one embodiment, Figure 8 As shown, a resource processing device is provided, comprising: an acquisition module 11, a sorting module 12, a resource allocation module 13 and a resource transfer module 14, wherein:

[0202] An acquisition module 11 is configured to acquire, from a resource information repository, a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table; the bill allocation table includes information about multiple pending resources of a user, the first bill allocation ranking table includes installment repayment items for each pending resource, and the bill allocation parameter table includes resource allocation parameters;

[0203] A sorting module 12 is configured to sort the installment repayment items in the first bill allocation sorting table according to the resource value to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table;

[0204] The resource allocation module 13 is configured to determine the target allocation resource value of each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment return items in the second bill allocation sorting table;

[0205] The resource transfer module 14 is configured to perform resource transfer processing on multiple resources to be returned according to target allocated resource values.

[0206] The resource processing device provided in this embodiment can execute the above method embodiment. Its implementation principles and technical effects are similar and will not be described in detail here.

[0207] In one embodiment, the resource allocation parameters include bill number, allocation method and sorting method. The sorting module 12 is specifically used to sort the installment repayment items under the bill number in the first bill allocation sorting table according to the allocation method and sorting method to obtain a second bill allocation sorting table.

[0208] The resource processing device provided in this embodiment can execute the above method embodiment. Its implementation principles and technical effects are similar and will not be described in detail here.

[0209] In one embodiment, the resource allocation parameter includes a comparison object, and the resource allocation module 13 includes: a comparison unit and a first sorting unit, wherein:

[0210] a comparing unit, configured to compare the resource value to be allocated with the total resource value in arrears when the comparison object is the total resource value in arrears, to obtain a comparison result;

[0211] The first sorting unit is used to determine the target allocation resource value of each resource to be returned in the bill allocation table according to the comparison result and the value of the resource to be returned and in accordance with the order of the installment return items in the second bill allocation sorting table.

[0212] The resource processing device provided in this embodiment can execute the above method embodiment. Its implementation principles and technical effects are similar and will not be described in detail here.

[0213] In one embodiment, the resource allocation module 13 includes: a second sorting unit and a first resource value determination unit, wherein:

[0214] The second sorting unit is configured to, when the comparison result shows that the value of the to-be-allocated resources is less than or equal to the total value of the overdue resources, sequentially allocate the repayment resource value to each installment repayment item in the order of the installment repayment items in the second bill allocation sorting table according to the value of the to-be-allocated resources, thereby obtaining a target bill allocation sorting table;

[0215] The first resource value determining unit is configured to determine a target allocated resource value for each resource to be returned in the bill allocation table according to the target bill allocation sorting table.

[0216] The resource processing device provided in this embodiment can execute the above method embodiment. Its implementation principles and technical effects are similar and will not be described in detail here.

[0217] In one embodiment, the resource allocation parameter includes an excess mode, and the resource allocation module 13 further includes: a third sorting unit, a calculation unit, and a second resource value determination unit, wherein:

[0218] a third sorting unit configured to, when the comparison result shows that the value of the to-be-allocated resources is greater than the total value of the overdue resources, sequentially allocate the repayment resource value to each installment repayment item in the order of the installment repayment items in the second bill allocation sorting table according to the value of the to-be-allocated resources, thereby obtaining a target bill allocation sorting table;

[0219] a calculation unit, configured to determine a remaining resource value based on a to-be-allocated resource value and a returned resource value in a target bill allocation ranking table;

[0220] The second resource value determination unit is used to determine the target allocated resource value of each resource to be returned in the bill allocation table according to the remaining resource value, the excess method and the return resource value allocated to each installment return item in the target bill allocation sorting table.

[0221] The resource processing device provided in this embodiment can execute the above method embodiment. Its implementation principles and technical effects are similar and will not be described in detail here.

[0222] In one embodiment, the acquisition module 11 includes: a first construction unit, a second construction unit and an acquisition unit, wherein:

[0223] The first construction unit is used to construct a bill allocation table through the resource information library, the bill allocation table including the to-be-returned resource account number, the to-be-returned resource creation date, the total resource value of the principal to be returned, the earliest resource return date, and the installment return resource value of multiple to-be-returned resources;

[0224] The second construction unit is configured to construct a first bill allocation ranking table through a resource information database, wherein the first bill allocation ranking table includes a due date for a plurality of resources to be returned, a value of the resources to be returned, identification information indicating whether the current period is an overdue period, and a period for the resources to be returned;

[0225] The acquisition unit is used to obtain the bill allocation parameter table through the resource information library.

[0226] The resource processing device provided in this embodiment can execute the above method embodiment. Its implementation principles and technical effects are similar and will not be described in detail here.

[0227] In one embodiment, the first building unit includes: a first building subunit and a second building subunit, wherein:

[0228] The first construction subunit is used to construct a bill-to-be-returned resource relationship table through a resource information database, wherein the bill-to-be-returned resource relationship table includes a user number, a bill number, and an account number of resources to be returned;

[0229] The second construction subunit is used to construct a bill allocation table according to the bill to be returned resource relationship table and the resource information library.

[0230] The resource processing device provided in this embodiment can execute the above method embodiment. Its implementation principles and technical effects are similar and will not be described in detail here.

[0231] For the specific definition of the resource processing device, please refer to the definition of the resource processing method above and will not be repeated here. Each module in the above resource processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each of the above modules can be embedded in or independent of the processor in the computer device in hardware form, or can be stored in the memory of the computer device in software form, so that the processor can call and execute the operations corresponding to each of the above modules.

[0232] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0233] Obtaining a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table from a resource information library; the bill allocation table includes information about multiple resources to be returned by the user, the first bill allocation ranking table includes installment return items for each resource to be returned, and the bill allocation parameter table includes resource allocation parameters;

[0234] Sort the installment repayment items in the first bill allocation sorting table according to the resource value to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table;

[0235] Determine the target allocation resource value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment return items in the second bill allocation sorting table;

[0236] Resource transfer processing is performed on multiple resources to be returned according to the target allocation resource value.

[0237] In one embodiment, a readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0238] Obtaining a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table from a resource information library; the bill allocation table includes information about multiple resources to be returned by the user, the first bill allocation ranking table includes installment return items for each resource to be returned, and the bill allocation parameter table includes resource allocation parameters;

[0239] Sort the installment repayment items in the first bill allocation sorting table according to the resource value to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table;

[0240] Determine the target allocation resource value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment return items in the second bill allocation sorting table;

[0241] Resource transfer processing is performed on multiple resources to be returned according to the target allocation resource value.

[0242] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory may include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0243] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0244] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present invention. It should be noted that a person skilled in the art could make various modifications and improvements without departing from the spirit of the present application, all of which fall within the scope of protection of the present application. Therefore, the scope of protection of the present patent application shall be determined by the appended claims.

Claims

1. A resource processing method, characterized in that: The method comprises: Obtaining, from a resource information library, a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table; the bill allocation table including information on multiple resources to be returned by the user, the first bill allocation ranking table including installment repayment items for each resource to be returned, and the bill allocation parameter table including resource allocation parameters; Sort the installment repayment items in the first bill allocation sorting table according to the resource value to be allocated and the resource allocation parameter to obtain a second bill allocation sorting table; the resource value to be allocated represents the total repayment amount, transaction amount, or repayment amount to be repaid by the user; determining a target resource allocation value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and in the order of the installment return items in the second bill allocation sorting table; Resource transfer processing is performed on the multiple resources to be returned based on the target allocated resource value.

2. The method according to claim 1, characterized in that The resource allocation parameters include a bill number, an allocation method, and a sorting method. The installment repayment items in the first bill allocation sorting table are sorted according to the resource value to be allocated and the resource allocation parameters to obtain a second bill allocation sorting table, including: According to the allocation method and the sorting method, the installment repayment items under the bill numbers in the first bill allocation sorting table are sorted to obtain the second bill allocation sorting table.

3. The method according to claim 1 or 2, characterized in that The resource allocation parameter includes a comparison object, and determining the target allocation resource value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and the order of the installment return items in the second bill allocation sorting table includes: If the comparison object is the total outstanding resource value, then comparing the to-be-allocated resource value with the total outstanding resource value to obtain a comparison result; According to the comparison result and the to-be-allocated resource value, the target allocated resource value of each to-be-returned resource in the bill allocation table is determined according to the order of the installment repayment items in the second bill allocation sorting table.

4. The method according to claim 3, characterized in that The step of determining, based on the comparison result and the to-be-allocated resource value and in accordance with the order of the installment repayment items in the second bill allocation sorting table, a target allocation resource value for each to-be-returned resource in the bill allocation table includes: If the comparison result is that the to-be-allocated resource value is less than or equal to the total overdue resource value, then allocating the return resource value to each installment return item in the order of the installment return items in the second bill allocation ranking table according to the to-be-allocated resource value, to obtain a target bill allocation ranking table; According to the target bill allocation ranking table, a target allocation resource value for each resource to be returned in the bill allocation table is determined.

5. The method according to claim 4, characterized in that The resource allocation parameter includes an excess mode, and determining, based on the comparison result and the to-be-allocated resource value, a target allocated resource value for each to-be-returned resource in the bill allocation table in accordance with the order of the installment repayment items in the second bill allocation sorting table, includes: If the comparison result is that the to-be-allocated resource value is greater than the total overdue resource value, then allocating the return resource value to each installment return item in the order of the installment return items in the second bill allocation ranking table according to the to-be-allocated resource value, to obtain a target bill allocation ranking table; Determine the remaining resource value according to the to-be-allocated resource value and the returned resource value in the target bill allocation ranking table; The target allocated resource value of each resource to be returned in the bill allocation table is determined according to the remaining resource value, the excess method and the return resource value allocated to each installment return item in the target bill allocation sorting table.

6. The method according to claim 1, characterized in that The method of obtaining the bill allocation table, the first bill allocation ranking table, and the bill allocation parameter table through the resource information library includes: Constructing the bill allocation table through the resource information library, the bill allocation table includes the to-be-returned resource account number, the to-be-returned resource creation date, the total resource value of the principal to be returned, the earliest resource return date and the installment return resource value of the multiple to-be-returned resources; Constructing the first bill allocation sorting table through the resource information library, the first bill allocation sorting table including the due date of the resources to be returned, the value of the resources to be returned, identification information of whether the current period is an overdue period, and the period of the resources to be returned; The bill allocation parameter table is obtained through the resource information library.

7. The method according to claim 6, characterized in that The obtaining of the bill allocation table through the resource information library includes: Constructing a bill-to-be-returned resource relationship table through the resource information library, wherein the bill-to-be-returned resource relationship table includes a user number, the bill number, and the account number of the resource to be returned; The bill allocation table is constructed according to the bill to be returned resource relationship table and the resource information library.

8. A resource processing device, characterized in that: The device comprises: an acquisition module, configured to acquire, from a resource information repository, a bill allocation table, a first bill allocation ranking table, and a bill allocation parameter table; the bill allocation table including information on a plurality of resources to be returned by a user, the first bill allocation ranking table including installment repayment items for each resource to be returned, and the bill allocation parameter table including resource allocation parameters; a sorting module, configured to sort the installment repayment items in the first bill allocation sorting table according to the resource value to be allocated and the resource allocation parameter, to obtain a second bill allocation sorting table; the resource value to be allocated represents the total repayment amount, transaction amount, or total repayment amount to be repaid by the user; a resource allocation module, configured to determine a target resource allocation value for each resource to be returned in the bill allocation table according to the value of the resource to be allocated and in the order of the installment return items in the second bill allocation sorting table; The resource transfer module is used to perform resource transfer processing on the multiple resources to be returned according to the target allocated resource value.

9. The device according to claim 8, characterized in that The resource allocation parameters include a bill number, an allocation method, and a sorting method. The sorting module is specifically used to sort the installment repayment items under the bill number in the first bill allocation sorting table according to the allocation method and the sorting method to obtain the second bill allocation sorting table.

10. The device according to claim 8 or 9, characterized in that The resource allocation module includes: a comparing unit, configured to compare the to-be-allocated resource value with the total overdue resource value to obtain a comparison result when the comparison object is the total overdue resource value; The first sorting unit is configured to determine, according to the comparison result and the to-be-allocated resource value, a target allocated resource value for each to-be-returned resource in the bill allocation table in accordance with the order of the installment repayment items in the second bill allocation sorting table.

11. The device according to claim 10, characterized in that The resource allocation module includes: a second sorting unit configured to, when the comparison result shows that the value of the resources to be allocated is less than or equal to the total overdue resource value, sequentially allocate the return resource value to each installment return item in the order of the installment return items in the second bill allocation sorting table according to the value of the resources to be allocated, to obtain a target bill allocation sorting table; The first resource value determining unit is configured to determine a target allocated resource value for each resource to be returned in the bill allocation table according to the target bill allocation sorting table.

12. The device according to claim 11, characterized in that The resource allocation parameter includes an excess mode, and the resource allocation module further includes: a third sorting unit configured to, when the comparison result shows that the to-be-allocated resource value is greater than the total overdue resource value, sequentially allocate a return resource value to each installment return item in the order of the installment return items in the second bill allocation sorting table according to the to-be-allocated resource value, to obtain a target bill allocation sorting table; a calculation unit, configured to determine a remaining resource value according to the to-be-allocated resource value and a returned resource value in the target bill allocation ranking table; The second resource value determination unit is used to determine the target allocated resource value of each resource to be returned in the bill allocation table according to the remaining resource value, the excess method and the return resource value allocated to each installment return item in the target bill allocation sorting table.

13. The device according to claim 8, characterized in that The acquisition module includes: A first construction unit is configured to construct the bill allocation table through the resource information library, wherein the bill allocation table includes the to-be-returned resource account number, the to-be-returned resource creation date, the total resource value of the principal to be returned, the earliest resource return date, and the installment return resource value of the multiple to-be-returned resources; A second construction unit is configured to construct the first bill allocation ranking table through the resource information library, wherein the first bill allocation ranking table includes the due date of the resources to be returned, the value of the resources to be returned, identification information of whether the current period is an overdue period, and the period of the resources to be returned; An acquiring unit is configured to acquire the bill allocation parameter table through the resource information library.

14. The device according to claim 13, characterized in that The first building block comprises: A first construction subunit is configured to construct a bill-to-be-returned resource relationship table through the resource information library, wherein the bill-to-be-returned resource relationship table includes a user number, the bill number, and the account number of the resource to be returned; The second construction subunit is used to construct the bill allocation table according to the bill to be returned resource relationship table and the resource information library.

15. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

16. A storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

17. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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