Resource management method and apparatus, computer device, and storage medium

Abstract

The present disclosure relates to a resource management method, device, computer equipment, storage medium and computer program product. The method comprises: obtaining a to-be-allocated resource corresponding to a resource interaction task and a plurality of resource accounts; obtaining a plurality of resource interaction data of the plurality of resource accounts within a preset time; dividing the to-be-allocated resource into a plurality of sub-resources according to the plurality of resource interaction data, wherein the plurality of sub-resources correspond one-to-one to the plurality of resource accounts; and allocating the to-be-allocated resource to the plurality of resource accounts according to the plurality of sub-resources. The method can improve the efficiency of resource allocation, reduce the cost and difficulty of resource allocation.

Description

Technical Field

[0001] This disclosure relates to the field of data processing technology, and in particular to a resource management method, apparatus, computer equipment, and storage medium. Background Technology

[0002] When resource managers manage or interact with resource accounts, resources are consumed. Therefore, they need to obtain some resources from the managed resource accounts to offset the consumed resources. In existing technologies, the amount of resources to be allocated to different task nodes is usually determined based on the resource requirements of specific task nodes in the specific resource interaction scenario that caused the resource consumption, and resources are obtained from the resource accounts corresponding to the nodes to offset the consumed resources.

[0003] However, to allocate the amount of resources to be offset in this way, it is necessary to fully acquire the resource interaction scenario and the corresponding task nodes. In cases where the scenario is complex and the task is cumbersome, it takes a long time, is inefficient, and is difficult and costly to implement. Summary of the Invention

[0004] Therefore, it is necessary to provide a resource management method, apparatus, computer equipment, storage medium, and computer program product that is simple in process and improves efficiency in response to the above-mentioned technical problems.

[0005] Firstly, embodiments of this disclosure provide a resource management method. The method includes:

[0006] Obtain the resources to be allocated and multiple resource accounts corresponding to the resource interaction task;

[0007] Obtain multiple resource interaction data of the multiple resource accounts within a preset time period;

[0008] The resources to be allocated are divided into multiple sub-resources according to the multiple resource interaction data, wherein each of the multiple sub-resources corresponds one-to-one with the multiple resource accounts;

[0009] The resources to be allocated are distributed to the multiple resource accounts according to the multiple sub-resources.

[0010] In one embodiment, the resource interaction data includes a resource increase; the step of dividing the resource to be allocated into multiple sub-resources according to the multiple resource interaction data includes:

[0011] The resources to be allocated are divided into multiple sub-resources according to the multiple resource increases, wherein the resource quantity of the sub-resources and the corresponding resource increase are positively correlated.

[0012] In one embodiment, the acquisition of multiple resource accounts corresponding to the resource interaction task includes:

[0013] Obtain the resource interaction type corresponding to the resource interaction task;

[0014] Determine the resource management account corresponding to the resource interaction type;

[0015] Based on the resource management account, determine multiple resource accounts that match the resource interaction task.

[0016] In one embodiment, the acquisition of multiple resource accounts corresponding to the resource interaction task includes:

[0017] Obtain multiple initial resource accounts corresponding to the resource interaction task;

[0018] If the initial resource account matches the preset allocation account type, the initial resource account is determined to be a resource account.

[0019] In one embodiment, the resource to be allocated corresponding to the resource interaction task includes:

[0020] Get the total resources corresponding to the resource interaction task;

[0021] The sub-resources in the total resources that match the preset allocation type are identified as the resources to be allocated.

[0022] In one embodiment, after allocating the resources to be allocated to the multiple resource accounts according to the multiple sub-resources, the method further includes:

[0023] If the sum of the resource quantities of the plurality of sub-resources equals the resource quantity of the resource to be allocated, the verification is deemed successful.

[0024] Secondly, embodiments of this disclosure also provide a resource management device. The device includes:

[0025] The first acquisition module is used to acquire the resources to be allocated and multiple resource accounts corresponding to the resource interaction task;

[0026] The second acquisition module is used to acquire multiple resource interaction data of the multiple resource accounts within a preset time period;

[0027] The partitioning module is used to divide the resources to be allocated into multiple sub-resources according to the multiple resource interaction data, wherein the multiple sub-resources correspond one-to-one with the multiple resource accounts;

[0028] The allocation module is used to allocate the resources to be allocated to the multiple resource accounts according to the multiple sub-resources.

[0029] In one embodiment, the resource interaction data includes the amount of resource increase; the partitioning module includes:

[0030] The sub-module is used to divide the resources to be allocated into multiple sub-resources according to the multiple resource increase amounts, wherein the resource quantity of the sub-resources and the corresponding resource increase amounts are positively correlated.

[0031] In one embodiment, the first acquisition module includes:

[0032] The `get` submodule is used to obtain the resource interaction type corresponding to the resource interaction task.

[0033] The first determining module is used to determine the resource management account corresponding to the resource interaction type;

[0034] The second determining module is used to determine multiple resource accounts that match the resource interaction task based on the resource management account.

[0035] In one embodiment, the first acquisition module includes:

[0036] The acquisition submodule is used to acquire multiple initial resource accounts corresponding to resource interaction tasks;

[0037] The determination module is used to determine that the initial resource account is a resource account if the initial resource account matches the preset allocation account type.

[0038] In one embodiment, the first acquisition module includes:

[0039] The Get submodule is used to obtain the total resources corresponding to the resource interaction task;

[0040] The determination module is used to determine the sub-resources in the total resources that match the preset allocation type as the resources to be allocated.

[0041] In one embodiment, the allocation module is further comprising:

[0042] The verification module is used to determine that the verification is successful if the sum of the resource quantities of the plurality of sub-resources is equal to the resource quantity of the resource to be allocated.

[0043] Thirdly, embodiments of this disclosure also provide a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the steps of the method described in any one of the embodiments of this disclosure.

[0044] Fourthly, embodiments of this disclosure also provide a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, implements the steps of the method described in any one of the embodiments of this disclosure.

[0045] Fifthly, embodiments of this disclosure also provide a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the steps of the method described in any one of the embodiments of this disclosure.

[0046] This embodiment of the disclosure obtains the resources to be allocated and multiple resource accounts corresponding to the resource interaction task, and obtains the resource interaction data of the multiple resource accounts within a preset time. Based on the resource interaction data, the resources to be allocated are divided into multiple sub-resources, and the resources to be allocated are allocated to multiple resource accounts according to the multiple sub-resources. This realizes the allocation of resources based on the resource interaction task and the corresponding resource account, without the need to trace and analyze the specific nodes of the resource interaction task. The allocation of resources based on the resource interaction data of the account can adapt to complex business scenarios, has strong operability, simple process, improves the efficiency of resource allocation, and reduces the cost and implementation difficulty of resource allocation. Attached Figure Description

[0047] Figure 1 This is a diagram illustrating the application environment of a resource management method in one embodiment;

[0048] Figure 2 This is a flowchart illustrating a resource management method in one embodiment;

[0049] Figure 3 This is a flowchart illustrating a resource management method in one embodiment;

[0050] Figure 4 This is a flowchart illustrating a resource management method in one embodiment;

[0051] Figure 5 This is a flowchart illustrating a resource management method in one embodiment;

[0052] Figure 6 This is a structural block diagram of a resource management device in one embodiment;

[0053] Figure 7 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0054] To make the objectives, technical solutions, and advantages of the embodiments of this disclosure clearer, the embodiments of this disclosure will be further described in detail below with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are merely illustrative of the embodiments of this disclosure and are not intended to limit the embodiments of this disclosure.

[0055] The resource management method provided in this disclosure can be applied to, for example, Figure 1 In the application environment shown, terminal 102 communicates with server 104 via a network. A data storage system can store the data that server 104 needs to process. The data storage system can be integrated onto server 104 or located in the cloud or on other network servers. Terminal 102 can be, but is not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices can include smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, etc. Portable wearable devices can include smartwatches, smart bracelets, head-mounted devices, etc. Server 104 can be implemented using a standalone server or a server cluster consisting of multiple servers.

[0056] In one embodiment, such as Figure 2 As shown, a resource management method is provided, which can be applied to... Figure 1 Taking the terminal in the example, the explanation includes the following steps:

[0057] Step S210: Obtain the resources to be allocated and multiple resource accounts corresponding to the resource interaction task;

[0058] Specifically, when the resource manager performs resource management and other resource interaction tasks on the resource account, resource consumption will occur. Therefore, it is necessary to obtain some resources from the resource account to offset the consumed resources, that is, to distribute the consumed resources to the resource account.

[0059] In this embodiment, the corresponding resources to be allocated are determined based on the resource interaction task, and multiple resource accounts corresponding to the resource interaction task are obtained. These resource accounts are typically those directly or indirectly related to the resource interaction task. In one example, the resources to be allocated can be all or part of the resources consumed in the resource interaction task, and the resource accounts can be all or part of the resource accounts directly or indirectly related to the resource interaction task. In one example, the resource interaction task can correspond to multiple task nodes, and the corresponding resource accounts can be obtained according to the task nodes. In one example, this embodiment uses a Teradata data warehouse for data processing.

[0060] Step S220: Obtain multiple resource interaction data of the multiple resource accounts within a preset time period;

[0061] In this embodiment of the disclosure, multiple resource interaction data of multiple resource accounts within a preset time period are obtained. The preset time period is typically set in advance based on the actual application scenario. The resource interaction data within this preset time period allows for a relatively accurate assessment of the specific resource status of each resource account. The resource interaction data may include, but is not limited to, resource increase, total resource quantity, resource change, and number of resource interactions.

[0062] Step S230: Divide the resources to be allocated into multiple sub-resources according to the multiple resource interaction data, wherein each of the multiple sub-resources corresponds one-to-one with the multiple resource accounts;

[0063] In this embodiment, resources to be allocated are divided based on multiple resource interaction data corresponding to multiple resource accounts. The resources to be allocated are divided into multiple sub-resources, the same number as the number of resource accounts, according to the resource interaction data. Each sub-resource corresponds one-to-one with a resource account. In one example, during resource allocation, resource interaction data can be analyzed and processed according to different data types, uniformly quantified, and then the resources to be allocated are divided into multiple sub-resources with different resource amounts based on the quantified resource interaction data. In one example, allocation rules and allocation factors can be predetermined, and the allocation method for the resources to be allocated can be determined by combining the resource interaction data of the resource accounts. In another example, allocation rules and allocation factors corresponding to resource interaction tasks are obtained, wherein the allocation rules and allocation factors correspond to the resource interaction task type. Based on multiple resource interaction data, the resources to be allocated are divided according to the allocation rules and allocation factors to obtain multiple sub-resources.

[0064] Step S240: Distribute the resources to be allocated to the multiple resource accounts according to the multiple sub-resources.

[0065] In this embodiment of the disclosure, after the allocation is completed, the resources to be allocated are distributed to multiple resource accounts as multiple sub-resources. Since each sub-resource corresponds one-to-one with a resource account, the allocation is performed according to the correspondence between the sub-resources and resource accounts. In one example, after allocation is completed, the corresponding sub-resources can be obtained from the multiple resource accounts.

[0066] This embodiment of the disclosure obtains the resources to be allocated and multiple resource accounts corresponding to the resource interaction task, and obtains the resource interaction data of the multiple resource accounts within a preset time. Based on the resource interaction data, the resources to be allocated are divided into multiple sub-resources, and the resources to be allocated are allocated to multiple resource accounts according to the multiple sub-resources. This realizes the allocation of resources based on the resource interaction task and the corresponding resource account, without the need to trace and analyze the specific nodes of the resource interaction task. The allocation of resources based on the resource interaction data of the account can adapt to complex business scenarios, has strong operability, simple process, improves the efficiency of resource allocation, and reduces the cost and implementation difficulty of resource allocation.

[0067] In one embodiment, such as Figure 3 As shown, the resource interaction data includes the resource increase; the step of dividing the resource to be allocated into multiple sub-resources according to the multiple resource interaction data includes:

[0068] Step S231: Divide the resources to be allocated into multiple sub-resources according to the multiple resource increase amounts, wherein the resource amount of the sub-resources and the corresponding resource increase amounts are positively correlated.

[0069] In this embodiment of the disclosure, the resource interaction data of the account includes the resource increase amount. The resource increase amount of the resource account within a preset time period is obtained. The resources to be allocated are divided into multiple sub-resources according to the resource increase amount. During the division, the greater the resource increase amount, the greater the resource amount of the corresponding sub-resource; that is, there is a positive correlation between the resource amount of the sub-resource and the corresponding resource increase amount.

[0070] This embodiment of the disclosure divides the resources to be allocated based on the increase in resources within a preset time period of the resource account. This makes the allocation of resources to be allocated more accurate, simplifies the process and improves efficiency, while ensuring the rationality and effectiveness of resource allocation, reducing the difficulty of implementation and enhancing the user experience.

[0071] In one embodiment, the multiple resource accounts corresponding to the resource interaction task include:

[0072] Obtain the resource interaction type corresponding to the resource interaction task;

[0073] Determine the resource management account corresponding to the resource interaction type;

[0074] Based on the resource management account, determine multiple resource accounts that match the resource interaction task.

[0075] In this embodiment of the disclosure, the resource interaction type corresponding to the resource interaction task is obtained. In one example, the resource interaction tasks can be classified into types in advance according to their purpose and application scenario, and an association relationship between the resource interaction tasks and resource interaction types can be established. Typically, different resource interaction types correspond to different resource management accounts. In one example, the corresponding resource interaction type is determined based on the purpose of the resource management account, and an association relationship between the resource management account and the resource interaction type is established. The corresponding resource management account is determined based on the resource interaction type. After obtaining the resource management account, multiple resource accounts matching the resource interaction task can be determined based on the resource management account. In one example, the multiple resource accounts can be resource accounts that have a direct or indirect association relationship with the resource management account.

[0076] In this embodiment of the disclosure, the corresponding resource management account is determined by the interaction type corresponding to the resource interaction task, and the corresponding resource account is determined based on the resource management account. This realizes the acquisition of resource accounts, improves the accuracy and efficiency of resource account acquisition, and enables the determination of allocation rules based on the data of resource accounts, ensuring subsequent account-level resource allocation, saving processes and costs, and improving the efficiency of resource allocation.

[0077] In one embodiment, the multiple resource accounts corresponding to the resource interaction task include:

[0078] Obtain multiple initial resource accounts corresponding to the resource interaction task;

[0079] If the initial resource account matches the preset allocation account type, the initial resource account is determined to be a resource account.

[0080] In this embodiment, multiple initial resource accounts corresponding to a resource interaction task are obtained. In one example, the initial resource account can be a resource account that has a direct or indirect relationship with the resource interaction task. Typically, resource interaction tasks correspond to multiple types of initial resource accounts, and different initial resource accounts have different needs and responses to the resource interaction task. It is determined whether the initial resource account is a preset allocation account type. The preset allocation account type is usually an account type that needs to be allocated resources according to the actual application scenario. Different resource interaction tasks may correspond to different preset allocation account types. If the initial resource account is a preset allocation account type, it is determined that the initial resource account is a resource account. In one example, all initial resource accounts corresponding to the resource interaction task are judged, and all the obtained resource accounts are the multiple resource accounts corresponding to the resource interaction task in this embodiment.

[0081] In one example, when the application scenario is for financial institutions to allocate resources, the corresponding preset allocation account types can be accounts for interest-earning assets, interest-bearing liabilities, and intermediary business income; accounts for other profits and losses besides intermediary business income, as well as netting accounts without detailed ledgers (accounts that are not interest-earning assets, interest-bearing liabilities, or intermediary business income), do not receive resource allocation.

[0082] In this embodiment of the disclosure, after obtaining the initial resource account, the initial resource account is further judged. If the initial resource account is a preset allocation account type, it is determined to be a resource account. By further dividing the account, the resource account for resource allocation is more accurate, which improves the rationality of subsequent resource allocation and avoids the problem of poor user experience caused by unreasonable allocation. At the same time, it ensures the subsequent account-level resource allocation, saves process and cost, and improves the efficiency of resource allocation.

[0083] In one embodiment, the resources to be allocated corresponding to the resource interaction task include:

[0084] Get the total resources corresponding to the resource interaction task;

[0085] The sub-resources in the total resources that match the preset allocation type are identified as the resources to be allocated.

[0086] In this embodiment, the total resources corresponding to the resource interaction task are obtained. Typically, the total resources include various types of sub-resources. It is determined whether the sub-resources in the obtained total resources match a preset allocation type, which is usually determined in advance based on the actual application scenario. When a sub-resource matches the preset allocation type, the corresponding sub-resource is determined as a resource to be allocated, meaning it needs to be allocated by the resource account. In one example, when a sub-resource does not match the preset allocation type, the corresponding sub-resource is not set as a resource to be allocated.

[0087] In one example, when allocating resources for financial institutions, the issuer of the allocated costs includes all expenses of cost centers other than common cost centers. For financial institutions, such as banks, the general expenses of general management departments at the head office are first divided between the head office and branches based on the ratio of the head office's operating revenue to the total operating revenue of the branches (i.e., the operating revenue from financial accounting). This process calculates the expenses that the head office should receive and the expenses that the branches should receive. Since branches provide different levels of service to their local and out-of-town branches, the allocation coefficients for local and out-of-town branches should be determined first, and then the two portions of expenses should be allocated separately. The recipient of the local proportion is the account within the local area, while the recipient of the remaining costs is the account within the scope of all out-of-town branches under the branch's jurisdiction.

[0088] In this embodiment of the disclosure, by determining whether the resource corresponding to the resource interaction task is of a preset allocation type, the resources can be further subdivided, which can more accurately determine the resources that need to be allocated, ensuring the rationality of resource allocation and avoiding the problem of poor user experience caused by unreasonable allocation.

[0089] In one embodiment, such as Figure 4 As shown, after allocating the resources to be allocated to the multiple resource accounts according to the multiple sub-resources, the method further includes:

[0090] Step S250: If the sum of the resource quantities of the plurality of sub-resources is equal to the resource quantity of the resource to be allocated, the verification is deemed successful.

[0091] In this embodiment of the disclosure, after allocating the resources to be allocated to multiple resource accounts, the sum of the resource quantities of the multiple sub-resources is compared with the resource quantity of the resource to be allocated. If the sum of the resource quantities of the multiple sub-resources equals the resource quantity of the resource to be allocated, the verification is successful. In one example, if the sum of the resource quantities of the multiple sub-resources is inconsistent with the resource quantity of the resource to be allocated, it can be considered that there is an error in the resource allocation, and a warning message can be sent to relevant personnel.

[0092] In one example, the steps for apportionment verification can also be set as follows:

[0093] The first step is to verify the total amount: the total expenses before allocation minus the total amount of responsibility center types not participating in allocation equals the total allocated cost of the account after allocation. The second step is to verify by responsibility center type: the details of expenses before allocation are summarized by responsibility center type. After allocation, the corresponding accounts are found according to the responsibility center type in the rules, and the total expenses received by these accounts equals the total amount of that responsibility center type. The third step is to verify by branch: branch expenses are verified, and the pre-allocation expense amount for each branch equals the expenses received by all accounts after allocation for that branch minus the head office expenses received by those accounts. The fourth step is to verify by out-of-town branches: out-of-town branch expenses are verified, and the details of expenses before allocation are summarized by responsibility center type and centralized accounting profit center. After allocation, the corresponding accounts are found according to the responsibility center type and centralized accounting profit center in the rules, and the total expenses received by these accounts equals the total amount of the responsibility center type under that centralized accounting profit center. Verification is successful after all verifications are completed.

[0094] In this embodiment of the disclosure, after allocating the resources to be allocated to multiple resource accounts, it is determined whether the sum of the resource amounts of the sub-resources equals the resource amount to be allocated, thereby verifying whether the allocation is correct. In the event of an allocation problem, information is promptly fed back, ensuring the accuracy and security of resource allocation and improving the user experience.

[0095] Figure 5This is a flowchart illustrating a resource management method according to an exemplary embodiment, with reference to... Figure 5 As shown, the allocation rules can be set in advance, that is, the rules for dividing the resources to be allocated.

[0096] In one example, the allocation rules can be categorized into two types based on cost center type: management and marketing. The allocation rules for management cost centers are set as follows: for expenses incurred for a portion of the business or product, the recipient is limited to accounts containing interest-bearing assets, interest-bearing liabilities, and intermediary business income within the scope of the products or business served by the institution, categorized by product or line of business. The allocation factor is operating revenue. Depending on the financial institution's departmental setup, some allocation accounts can be set as follows: costs for the Credit Management Department are allocated to newly added corporate loan accounts in the current month; costs for the Risk Monitoring Department are allocated to the last four types of loan accounts in the current month; costs for the Corporate Business Management Department, Investment Banking Department, and Transaction Banking Department (Trade and Cash Management Department) are allocated to corporate client deposit and loan accounts; costs for the Retail Business Department are allocated to individual client deposit and loan accounts; and costs for the Financial Institutions Department are allocated to financial institution client accounts. The allocation rules for marketing cost centers are set as follows: For marketing cost centers directly facing products or customers (such as the Head Office's Treasury Department, Branch Marketing Departments, and Sub-branch Corporate and Retail teams), their direct costs are allocated to the corresponding accounts within the centralized accounting profit center, based on allocation factors such as operating revenue. Depending on the financial institution's departmental structure, some allocation accounts and factors can be set as follows: Costs of the Financial Markets Department, Head Office Asset Management Department, and Branch Bill Center are allocated to accounts corresponding to financial market business, with the allocation factor being operating revenue; costs of the Head Office Asset Custody Department are allocated to the internal account for intermediary business income in custody business; costs of corporate branch marketing teams are allocated to deposit and loan accounts corresponding to corporate clients, with the allocation factor being the number of accounts; costs of retail branch marketing teams are allocated to deposit and loan accounts corresponding to individual clients, with the allocation factor being the number of accounts; other branch marketing teams within the centralized accounting profit center that cannot be distinguished as corporate or retail are allocated to deposit and loan accounts of corporate and individual clients within the centralized accounting profit center, with the allocation factor being the number of accounts.

[0097] In one example, when setting the allocation factor, operating revenue can usually be selected as the allocation factor, where operating revenue = net interest income + net non-interest income = (external interest income - external interest expense + FTP income - FTP expense) + (fee and commission income + net exchange gains + other business income + investment income + fair value change gains). If the operating revenue is negative, the resources are allocated according to the absolute value.

[0098] Resources with clear motivations are allocated according to specific rules, such as regulatory fees, deposit insurance premiums, clearing operations department fees, and customer service center fees. For regulatory fees, economic capital is used as the allocation factor, where economic capital = credit risk economic capital + operational risk economic capital + market risk economic capital. The regulatory fees of the Finance and Accounting Department are allocated to all types of accounts across the bank, including those related to money market operations, deposits, loans, and fee income, based on the consumption of economic capital (including credit risk, operational risk, and market risk capital). Deposit insurance premiums are allocated using average daily deposits as the allocation factor; the Finance and Accounting Department's deposit insurance premiums are allocated to all deposit product accounts across the bank based on average daily deposits. The clearing operations department uses the number of accounts and call volume as allocation factors; the clearing operations department's centralized operations costs are divided into fixed costs and variable costs. Both fixed and variable costs are allocated to corporate clients' (including financial institution clients') deposit and loan accounts based on the business volume of the operations center at the account level. The customer service center uses factors such as the number of accounts and service frequency as allocation factors. Specifically, the head office customer service center's costs are divided into six parts based on staffing proportions, each allocated according to different factors, as follows: Private Banking Customer Service Costs: Allocated to private banking clients' deposit and loan accounts based on the number of accounts; Video Customer Service Costs: This cost is calculated for each branch based on the number of services provided, and then allocated to individual clients' deposit and loan accounts within the branch's jurisdiction; Text-based Online Customer Service Costs: Text-based online services include online consultations, WeChat consultations, and the sale of precious metals. This type of cost is allocated to corporate and individual clients' deposit and loan accounts based on the number of accounts; Resource Follow-up Customer Service Costs: Allocated to the accounts corresponding to clients with resource follow-up services based on the number of telephone follow-ups at the account level; Telephone Customer Service Costs: Telephone customer service costs are divided into other individual telephone customer service costs and corporate telephone customer service costs based on the number of calls made. The cost for each branch is calculated based on the number of customer service calls made by the branches (self-service calls are converted to human calls using a certain coefficient). Subsequently, within the branch's jurisdiction, the costs of personal telephone customer service are allocated to the deposit and loan accounts of individual customers, while the costs of corporate telephone customer service are allocated to the deposit and loan accounts of corporate customers. The Trade and Cash Management Department uses trade service volume as an allocation factor. The Trade Service Division of the Head Office Trade and Cash Management Department establishes two cost centers: "Head Office Trade Service Management" and "Head Office Trade Service Operations," refining cost accounting. Trade service management costs include labor costs, system maintenance costs, etc.; trade service operation costs include labor costs, fixed asset depreciation, and daily operating costs, etc. In this patent, based on the statistically analyzed offshore and branch trade service volume, the costs for offshore and each branch are calculated. Costs allocated to offshore institutions are allocated to accounts within the offshore institution's scope based on the number of accounts, while costs allocated to branches are allocated to corporate deposit and loan accounts within the branch's scope based on the number of accounts.

[0099] Based on the account details of the resource account, as well as the preset allocation rules and allocation factors, and combined with the resources to be allocated, the resource allocation amount for the resource account is determined, resulting in the resource allocation result. Through this embodiment, different allocation factors are set according to different application scenarios during the resource allocation process, confirming the resource motivation and allocation path, and performing resource allocation. This reduces the complexity of the resource allocation process and the redundancy of the rules, clearly defines the resource allocation objects, and ensures a clear and traceable process, meeting the needs of multiple scenarios.

[0100] It should be understood that although the steps in the flowcharts of the accompanying drawings are shown sequentially as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some of the steps in the accompanying drawings may include multiple steps or stages, which are not necessarily completed at the same time, but may be executed at different times, and the execution order of these steps or stages is not necessarily sequential, but may be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0101] Based on the same inventive concept, this disclosure also provides a resource management apparatus for implementing the resource management method described above. The solution provided by this apparatus is similar to the implementation scheme described in the above method; therefore, the specific limitations in one or more resource management apparatus embodiments provided below can be found in the limitations of the resource management method described above, and will not be repeated here.

[0102] In one embodiment, such as Figure 6 As shown, a resource management device 600 is provided, comprising:

[0103] The first acquisition module 610 is used to acquire the resources to be allocated and multiple resource accounts corresponding to the resource interaction task;

[0104] The second acquisition module 620 is used to acquire multiple resource interaction data of the multiple resource accounts within a preset time period;

[0105] The partitioning module 630 is used to partition the resource to be allocated into multiple sub-resources according to the multiple resource interaction data, wherein the multiple sub-resources correspond one-to-one with the multiple resource accounts;

[0106] The allocation module 640 is used to allocate the resources to be allocated to the multiple resource accounts according to the multiple sub-resources.

[0107] In one embodiment, the resource interaction data includes the amount of resource increase; the partitioning module includes:

[0108] The sub-module is used to divide the resources to be allocated into multiple sub-resources according to the multiple resource increase amounts, wherein the resource quantity of the sub-resources and the corresponding resource increase amounts are positively correlated.

[0109] In one embodiment, the first acquisition module includes:

[0110] The `get` submodule is used to obtain the resource interaction type corresponding to the resource interaction task.

[0111] The first determining module is used to determine the resource management account corresponding to the resource interaction type;

[0112] The second determining module is used to determine multiple resource accounts that match the resource interaction task based on the resource management account.

[0113] In one embodiment, the first acquisition module includes:

[0114] The acquisition submodule is used to acquire multiple initial resource accounts corresponding to resource interaction tasks;

[0115] The determination module is used to determine that the initial resource account is a resource account if the initial resource account matches the preset allocation account type.

[0116] In one embodiment, the first acquisition module includes:

[0117] The Get submodule is used to obtain the total resources corresponding to the resource interaction task;

[0118] The determination module is used to determine the sub-resources in the total resources that match the preset allocation type as the resources to be allocated.

[0119] In one embodiment, the amortization module further includes:

[0120] The verification module is used to determine that the verification is successful if the sum of the resource quantities of the plurality of sub-resources is equal to the resource quantity of the resource to be allocated.

[0121] Each module in the aforementioned resource management device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the operations corresponding to each module.

[0122] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 7As shown, the computer device includes a processor, memory, and a network interface connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores data such as resource data and account data. The network interface communicates with external terminals via a network connection. When the computer program is executed by the processor, it implements a resource management method.

[0123] Those skilled in the art will understand that Figure 7 The structures shown are merely block diagrams of some structures related to the embodiments of this disclosure and do not constitute a limitation on the computer devices on which the embodiments of this disclosure are applied. Specific computer devices may include more or fewer components than those shown in the figures, or combine certain components, or have different component arrangements.

[0124] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0125] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, implements the steps in the above method embodiments.

[0126] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0127] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in the embodiments of this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0128] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this disclosure can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this disclosure may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this disclosure may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0129] The technical features of the above embodiments can be combined in any way. For the sake of brevity, 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.

[0130] The above-described embodiments are merely illustrative of several implementation methods of the present disclosure, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of the patent for the embodiments of the present disclosure. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of the embodiments of the present disclosure, and these all fall within the protection scope of the embodiments of the present disclosure. Therefore, the protection scope of the embodiments of the present disclosure should be determined by the appended claims.

Claims

1. A resource management method, characterized in that, The method is applied to a terminal and includes: Obtain the resources to be allocated and multiple resource accounts corresponding to the resource interaction task through the Teradata data warehouse; The Teradata data warehouse is used to obtain multiple resource interaction data of the multiple resource accounts within a preset time period, and the resource interaction data includes the amount of resource increase; The allocation rules and allocation factors corresponding to the resource interaction task are obtained through the Teradata data warehouse. The allocation rules and allocation factors correspond to the task type of the resource interaction task. Based on the multiple resource increases, the Teradata data warehouse divides the resources to be allocated into multiple sub-resources according to the allocation rules and allocation factors. Each sub-resource corresponds one-to-one with a resource account, and there is a positive correlation between the resource quantity of each sub-resource and the corresponding resource increase. The resources to be allocated are distributed to the multiple resource accounts according to the multiple sub-resources through the Teradata data warehouse; If the sum of the resource quantities of the plurality of sub-resources equals the resource quantity of the resource to be allocated, the verification is deemed successful.

2. The method according to claim 1, characterized in that, The multiple resource accounts corresponding to the resource acquisition interaction task include: Obtain the resource interaction type corresponding to the resource interaction task; Determine the resource management account corresponding to the resource interaction type; Based on the resource management account, determine multiple resource accounts that match the resource interaction task.

3. The method according to claim 1, characterized in that, The multiple resource accounts corresponding to the resource acquisition interaction task include: Obtain multiple initial resource accounts corresponding to the resource interaction task; If the initial resource account matches the preset allocation account type, the initial resource account is determined to be a resource account.

4. The method according to claim 1, characterized in that, The resources to be allocated corresponding to the resource acquisition interaction task include: Get the total resources corresponding to the resource interaction task; The sub-resources in the total resources that match the preset allocation type are identified as the resources to be allocated.

5. A resource management device, characterized in that, The device is applied to a terminal and includes: The first acquisition module is used to acquire the resources to be allocated and multiple resource accounts corresponding to the resource interaction task through the Teradata data warehouse; The second acquisition module is used to acquire multiple resource interaction data of the multiple resource accounts within a preset time period through the Teradata data warehouse, and the resource interaction data includes the amount of resource increase; The partitioning module is used to partition the resource to be allocated into multiple sub-resources according to the multiple resource interaction data through the Teradata data warehouse, wherein each of the multiple sub-resources corresponds one-to-one with the multiple resource accounts; The allocation module is used to allocate the resources to be allocated to the multiple resource accounts according to the multiple sub-resources; The verification module is used to determine that the verification is successful if the sum of the resource quantities of the plurality of sub-resources is equal to the resource quantity of the resource to be allocated. The partitioning module is further configured to obtain the allocation rules and allocation factors corresponding to the resource interaction task through the Teradata data warehouse, wherein the allocation rules and allocation factors correspond to the task type of the resource interaction task; The partitioning module includes: The sub-module is used to divide the resources to be allocated into multiple sub-resources based on the multiple resource increases in the Teradata data warehouse, according to the allocation rules and the allocation factors. The resource quantity of the sub-resource is positively correlated with the corresponding resource increase.

6. The apparatus according to claim 5, characterized in that, The first acquisition module includes: The `get` submodule is used to obtain the resource interaction type corresponding to the resource interaction task. The first determining module is used to determine the resource management account corresponding to the resource interaction type; The second determining module is used to determine multiple resource accounts that match the resource interaction task based on the resource management account.

7. The apparatus according to claim 5, characterized in that, The first acquisition module includes: The acquisition submodule is used to acquire multiple initial resource accounts corresponding to resource interaction tasks; The determination module is used to determine that the initial resource account is a resource account if the initial resource account matches the preset allocation account type.

8. The apparatus according to claim 5, characterized in that, The first acquisition module includes: The Get submodule is used to obtain the total resources corresponding to the resource interaction task; The determination module is used to determine the sub-resources in the total resources that match the preset allocation type as the resources to be allocated.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the resource management method according to any one of claims 1 to 4.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the resource management method according to any one of claims 1 to 4.

11. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the resource management method according to any one of claims 1 to 4.

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