Credit sharing processing method and device

Abstract

The embodiments of this specification provide a quota sharing processing method and device, wherein a quota sharing processing method includes: detecting the transfer-in amount of a target member associated with a shared resource account of an associated group in a historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account; if it is detected that the transfer-in amount is less than the transfer-in amount of the target member in the historical period, then based on the transfer-in amount and the transfer-in quota, the transfer-out amount of the target member in the first target period is limited to obtain a limit processing result; in the case that the actual transfer-in amount of the associated member in the second target period is greater than the transfer-in amount of the second target period, quota sharing is performed based on the actual transfer-in amount and the limit processing result.

Description

[0001] This application is a divisional application of the Chinese invention patent application with the application date of May 20, 2022, application number CN202210550014.5, and name “Quota Sharing Processing Method and Device”. Technical Field

[0002] This document relates to the field of data processing technology, and in particular to a quota sharing processing method and device. Background Art

[0003] With the development of information technology, service providers, supported by the internet, are providing users with networked service platforms, where users can access corresponding services. As the variety of services continues to increase, resource accounts are becoming an indispensable element in online transactions to meet user needs. By using resource accounts, users can conveniently complete transfers, payments, and other services through computers and the internet. Furthermore, with the networking of various traditional services, the application scope of resource accounts is also expanding. Summary of the Invention

[0004] One or more embodiments of this specification provide a quota sharing processing method. The quota sharing processing method includes: detecting the transfer-in amount of the target member associated with the shared resource account of the associated group in the historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account. If it is detected that the transfer-in amount is less than the transfer-in amount of the target member in the historical period, the transfer-out amount of the target member in the first target period is limited based on the transfer-in amount and the transfer-in quota to obtain a limit processing result. In the case that the actual transfer-in amount of the associated member in the second target period is greater than the transfer-in amount of the second target period, quota sharing is performed based on the actual transfer-in amount and the limit processing result.

[0005] One or more embodiments of the present specification provide a quota sharing processing device, including: a transfer-in amount detection module, configured to detect the transfer-in amount of a target member associated with a shared resource account of an associated group in a historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account. If it is detected that the transfer-in amount is less than the transfer-in quota of the target member in the historical period, the quota processing module is run, and the quota processing module is configured to perform quota processing on the transfer-out quota of the target member in the first target period based on the transfer-in amount and the transfer-in quota, and obtain a quota processing result. In the case that the actual transfer-in amount of the associated member in the second target period is greater than the transfer-in quota of the second target period, the quota sharing module is run, and the quota sharing module is configured to perform quota sharing based on the actual transfer-in amount and the quota processing result.

[0006] One or more embodiments of the present specification provide a quota sharing processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor: detects the transfer-in amount of the target member associated with the shared resource account of the associated group in the historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account. If it is detected that the transfer-in amount is less than the transfer-in amount of the target member in the historical period, the transfer-out amount of the target member in the first target period is limited based on the transfer-in amount and the transfer-in amount, and a limit processing result is obtained. In the case that the actual transfer-in amount of the associated member in the second target period is greater than the transfer-in amount of the second target period, quota sharing is performed based on the actual transfer-in amount and the limit processing result.

[0007] One or more embodiments of the present specification provide a storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: detecting the transfer-in amount of the target member associated with the shared resource account of the associated group in the historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account. If it is detected that the transfer-in amount is less than the transfer-in amount of the target member in the historical period, the transfer-out amount of the target member in the first target period is limited based on the transfer-in amount and the transfer-in quota, and a limit processing result is obtained. In the case that the actual transfer-in amount of the associated member in the second target period is greater than the transfer-in quota of the second target period, quota sharing is performed based on the actual transfer-in amount and the limit processing result. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] In order to more clearly illustrate one or more embodiments of this specification or technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or descriptions of the prior art. Obviously, the drawings described below are only some embodiments described in this specification. Those skilled in the art can derive other drawings based on these drawings without inventive effort.

[0009] Figure 1 A flowchart of a credit sharing method provided in one or more embodiments of this specification;

[0010] Figure 2 A flowchart of a credit sharing processing method applied to a credit sharing scenario provided in one or more embodiments of this specification;

[0011] Figure 3 A flowchart of a credit limit sharing processing method applied to a credit limit recovery scenario provided in one or more embodiments of this specification;

[0012] Figure 4 A schematic diagram of a quota sharing processing device provided in one or more embodiments of this specification;

[0013] Figure 5 A schematic diagram of the structure of a credit sharing processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0014] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this document.

[0015] This specification provides an embodiment of a quota sharing processing method:

[0016] Reference Figure 1 The quota sharing processing method provided in this embodiment specifically includes steps S102 to S106.

[0017] Step S102: detecting the transfer amount of the target member associated with the shared resource account of the associated group in the historical period.

[0018] The quota sharing processing method provided in this embodiment supervises each member of the associated group through a resource management plan. If it is detected that the target member has not completed the transfer-in quota of the historical period according to the resource management plan, in order to ensure that the resources of the shared resource account of the associated group are managed according to the plan, the transfer-out quota of the target member in the first target period after the historical period is limited, thereby ensuring that the resource balance in the resource management plan will not be reduced due to insufficient transfer-in amount; at the same time, since the transfer-out quota is allocated to members while ensuring the resource balance, therefore, when other associated members in the associated group provide "resource assistance" to the target member, the quota is shared with the associated member who implements the "resource assistance" behavior, so that the associated member has the right to use the target member's restricted quota.

[0019] The associated group includes a group composed of at least two members with an associated relationship. The members in the associated group are associated through a unified group identifier. Members in the associated group can invite other users to join the group and become group members; users who are not in the associated group can apply to join the associated group to become group members. Each member in the associated group can implement group services or share group resources based on the associated group. The associated group can also open a shared resource account, which is used by each member in the associated group and can be used and managed together. The associated group contains at least two members; the target member is any member of the associated group, and all members in the associated group other than the target member are associated members.

[0020] To enable joint management of resources in a shared resource account by each member of an associated group, each member manages resource usage in the shared resource account by developing a sub-plan for transferring resources in and out of the shared resource account. To improve the effectiveness of managing the total resources in the shared resource account, a resource management plan for the shared resource account is determined based on each member's sub-plan. The resource quota of each member in the associated group is recorded in the associated group's resource management plan for the shared resource account. The resource quota includes a transfer-in quota and a transfer-out quota.

[0021] Optionally, the resource management plan records a total transfer-in quota, a total transfer-out quota, and / or a default limit parameter; the total transfer-in quota and the total transfer-out quota are determined based on each member's sub-plan; and the default limit parameter is determined by voting by each member. The total transfer-in quota recorded in the resource management plan is equal to the sum of the transfer-in quotas of each member; if the actual total transfer-in quota is less than the total transfer-in quota, an available shared quota is determined based on the actual total transfer-in quota, the total transfer-in quota, and the default limit parameter; and the available shared quota is allocated to members who transfer in excess.

[0022] The shared resource account is associated with a resource balance, a shared resource bill, and a resource management plan; wherein the resource management plan includes a total transfer-in quota, a total transfer-out quota, and a default limit parameter; the total transfer-in quota is calculated based on the transfer-in quota of at least one cycle in each member's personal plan, the total transfer-out quota is calculated based on the transfer-out quota of at least one cycle in each member's personal plan, and the default limit parameter is set by any member of the associated group and takes effect after other members of the associated group vote and the voting result is passed. The difference between the total transfer-in quota and the total transfer-out quota is the storage quota of the shared resource account.

[0023] In specific implementation, each member of the associated group can formulate a sub-plan, which mainly includes the transfer amount they need to transfer into the shared resource account in each cycle (for example, each month), and the amount they are allowed to transfer out of the shared resource account in each cycle.

[0024] To ensure mutual constraints between members in an associated group, any member's plan must be voted on and approved by the other members before it can take effect. Otherwise, it will not take effect. Based on this, in an optional implementation provided in this embodiment, the following method is used to determine the effectiveness of a sub-plan:

[0025] Generate a plan identifier for the sub-plan submitted by the target member; the sub-plan includes the transfer-in amount and transfer-out amount of the target member in at least one cycle;

[0026] Based on the plan identifier, performing voting processing on the sub-plan;

[0027] If the voting result is a vote passed, the sub-plan is confirmed to be effective.

[0028] Specifically, the sub-plan (personal plan) submitted by the target member is obtained, a plan identifier for the sub-plan is generated, and the plan identifier is sent to the authorization management module. The authorization management module initiates a vote to the associated members other than the target member in the associated group based on the plan identifier. After obtaining the voting results of each associated member, it is determined whether the vote is passed based on the voting results. If passed, the sub-plan is determined to be effective, and the sub-plan is written into the resource management plan of the shared resource account, and the resource management plan is updated, and the result of the plan taking effect is notified to the target member; if not passed, the voting processing result of the failed vote is sent to the target member.

[0029] Among them, voting processing includes authorization processing. Associated members can initiate access to sub-plans through plan identification. The resource planning module

[0030] It should be noted that the above process of determining the effectiveness of a sub-plan is described using the target member as an example. In the process of determining the effectiveness of a sub-plan, the target member can be any member of the associated group, and the associated member is a member other than the members of the specified plan.

[0031] For example, a family group includes members p1, p2, and p3. Member p1 initiates the development of a sub-plan as shown in Table 1 for the family group's shared resource account. After receiving the sub-plan submitted by member p1, the resource management module generates a plan identifier and sends the plan identifier to the authorization management module. After receiving the plan identifier, the authorization management module first queries members p2 and p3 associated with member p1 based on the family group's group identifier. Then, it sends authorization information carrying the plan identifier to members p2 and p3. Members p2 and p3 can view member p1's sub-plan using the plan identifier included in the authorization information. After receiving the authorization results from members p2 and p3, the authorization management module determines the voting result based on the authorization results and the voting mechanism and returns it to the resource management module. If the voting result is a vote of approval, the resource management module writes member p1's sub-plan into the resource management plan, updates the resource management plan, and then feeds back the sub-plan's effectiveness to member p1. If the voting result is a vote of failure, the resource management module feeds back the sub-plan's effectiveness failure to member p1.

[0032]

[0033] Table 1

[0034] In specific implementation, after a member in the associated group submits a sub-plan, for any member in any period (the historical period of the target member is taken as an example below), when it is detected that the period settlement time has arrived, the target member's transfer-in amount in the historical period will be checked; if the transfer-in amount is equal to or greater than the transfer-in limit of the historical period in the target member's sub-plan, no processing will be performed; if the transfer-in amount is less than the transfer-in limit, the target member will be subject to a limit.

[0035] Step S104: If it is detected that the transfer-in amount is less than the transfer-in quota of the target member in the historical period, a limit processing is performed on the transfer-out quota of the target member in the first target period based on the transfer-in amount and the transfer-in quota to obtain a limit processing result.

[0036] The first target period is the period after the historical period, which can be the next period of the historical period or any period after the historical period. It can be determined based on the breach limit parameters in the resource management plan, or it can be determined randomly, or it can be specified as the next period of the historical period. This embodiment does not limit this.

[0037] During specific implementation, if it is detected that the transfer-in amount is less than the transfer-in quota, in order to ensure that the expected storage amount of the shared resource account will not be reduced, the transfer-out quota of the target member in the first target period will be limited when the transfer-in amount is less than the transfer-in quota, so as to ensure that the storage amount will not be reduced.

[0038] Based on this, in an optional implementation provided by this embodiment, the transfer-out quota of the target member in the first target period is limited based on the transfer-in amount and the transfer-in quota in the following manner to obtain a limit processing result:

[0039] Calculating the transfer-in difference of the target member in the target period based on the transfer-in amount and the transfer-in amount of the target member in the historical period;

[0040] reducing the transfer-out quota of the target member in the resource management plan in the first target period according to the transfer-in difference to obtain an actual transfer-out quota, and using the transfer-out difference as the available shared quota;

[0041] The limit processing result carries the available shared quota, and the transfer-out difference is calculated based on the transfer-out quota of the first target period and the actual transfer-out quota.

[0042] Specifically, the difference between the target member's transfer-in quota and the transfer-in amount in the historical period is calculated as the transfer-in difference, and then the limit quota is calculated based on the transfer-in difference and the default limit parameters recorded in the resource management plan, and the transfer-out quota for the first target period is reduced according to the limit quota to obtain the actual transfer-out quota, and then the difference between the transfer-out quota and the actual transfer-out quota is calculated to obtain the transfer-out difference as the available shared quota.

[0043] Since the transfer-out amount is less than the transfer-out quota, it will not affect the storage quota of the shared resource account, but will increase it. Therefore, no processing will be done when the transfer-out amount is less than the transfer-out quota. However, since the transfer-in amount is lower than the transfer-in quota, it will affect the storage quota. In order to achieve mutual constraints among multiple members, a breach of contract handling mechanism is set up.

[0044] As shown in Table 2, member P1's planned transfer-in quota for March was 3,000 and its transfer-out quota was 3,000. However, P1's actual transfer-in amount in March was 2,000 and its transfer-out amount was 1,000. The transfer-in amount was 1,000 less than the transfer-in quota. Based on the default limit parameter 1 and proportion 1, P1's planned transfer-out quota for April is adjusted from 3,000 in Table 1 to 2,000. At this point, the available shared quota is 1,000.

[0045]

[0046] Table 2

[0047] After the target member is subject to quota processing and a quota processing result with available shared quota is obtained, the target member can make up the payment, and other associated members can also provide "resource assistance" to the target member to obtain the available shared quota.

[0048] Step S106: When the actual transfer amount of the associated member in the second target period is greater than the transfer amount of the second target period, the transfer amount is shared based on the actual transfer amount and the limit processing result.

[0049] The second target period may be the same period as the first target period, or any period after the first target period, specifically, a period in which the actual transfer amount of the associated member is greater than the transfer amount.

[0050] During specific implementation, due to the quota processing of the target member, the total transfer-out quota in the resource management plan will be affected. In this case, any associated member in the associated group can restore the total transfer-out quota through assistance; in the period when the quota processing is performed on the target member or any period after the quota processing, if the actual transfer-in amount of any associated member is greater than the transfer-in quota, then when the available shared quota contained in the quota processing result obtained by the quota processing of the target member's transfer-out quota is greater than 0, the quota sharing is carried out based on the actual transfer-in amount and the available shared quota.

[0051] In an optional implementation provided by this embodiment, quota sharing based on the actual transfer amount and the limit processing result is achieved in the following manner:

[0052] calculating the additional transfer amount of the associated member based on the actual transfer amount and the transfer quota of the second target period;

[0053] Allocate a quota corresponding to the additional transfer amount to the associated member from the available shared quota.

[0054] Specifically, the additional transfer amount of the associated member (the difference between the actual transfer amount and the transfer quota) is first calculated, and then the corresponding quota is allocated to the associated member from the available shared quota based on the additional transfer amount.

[0055] Continuing with the previous example, member p2's personal plan, as shown in Table 3, plans to transfer in 3,000 yuan in April. However, member p2's actual transfer in April exceeds the transfer-in limit by 4,000 yuan. The system then checks whether there is available shared quota in the shared resource account. A query finds 1,000 yuan available. This available shared quota is due to member p1's under-transfer of 1,000 yuan in March. Member p1's under-transfer in March, while member p2's additional transfer amount is 4,000 yuan - 3,000 yuan = 1,000 yuan. This represents a perfect resource assistance for member p1. To enhance member p2's perception of assistance, the available shared quota is allocated to member p2, and member p2's transfer-out limit for April is adjusted from 3,000 yuan to 4,000 yuan. The adjusted transfer-out limit is shown in parentheses in the plan row.

[0056]

[0057] Table 3

[0058] It should be noted that when the actual transfer amount of the associated member in the second target period is greater than the transfer quota of the second target period, it is determined whether there is an available shared quota. If so, the quota is shared based on the actual transfer amount and the limit processing result (available shared quota); if not, the resources corresponding to the actual transfer amount are stored, and the resource balance of the shared resource account is updated.

[0059] In addition, the target member can also make up for the unpaid transfer amount. In an optional implementation provided by this embodiment, when the target transfer amount of the target member in the second target period is greater than the transfer amount of the target member in the second target period, the credit limit is restored based on the target transfer amount and the limit processing result. Specifically, when the target transfer amount of the target member in the second target period is greater than the transfer amount of the target member in the second target period, it is determined whether there is an available shared credit limit; if so, the credit limit of the target member is restored when the available shared credit limit is the available shared credit limit included in the default processing result for the target member; (in the process of credit limit recovery, the credit limit corresponding to the target member's additional transfer amount in the available shared credit limit is restored to the target member) when the available shared credit limit is the available shared credit limit included in the default result of other members, the credit limit is shared with the target member. It should be noted that the target member here can be any member of the associated group, and the associated member is a member other than the target member in the associated group.

[0060] As shown in Table 4, member P1's transfer-in quota in March was 3k, but the transfer-in amount was 2k, so the available shared quota was 1k. However, member P1's transfer-in quota in April was 3k, and member P1's actual transfer-in amount was 4k. When it is detected that member P1 transfers resources and it is determined that the actual transfer-in amount is greater than the transfer-in quota, if the available shared quota of member P1 is not shared with other members, resource compensation is made based on the additional transfer-in amount of member P1's actual transfer-in amount. After the resource compensation, the transfer-out quota of member P1 in April, which was adjusted to 2k due to insufficient transfer-in amount in March, is restored to the planned 3k.

[0061]

[0062] Table 4

[0063] To prevent any member of the associated group from transferring out an amount exceeding the transfer limit, this embodiment provides an optional implementation method in which each payment made by any member through the shared resource account is verified, and payment is made only if the verification passes. Specifically, taking the target member as an example, each payment is verified in the following manner:

[0064] Obtaining a payment request from the target member based on the shared resource account;

[0065] Verify the payment authority of the target member based on the payment amount carried in the payment request, the target member's transfer limit in the current period, and the amount transferred out;

[0066] If the verification is successful, payment processing is performed on the payment request based on the shared resource account.

[0067] Specifically, each time a payment request based on a shared resource account from a target member is obtained, the current cycle is first determined, and then the transfer-out amount and the amount transferred out of the current cycle are read, and then the payment authority of the target member is verified based on the amount transferred out, the transfer-out amount and the payment amount carried in the payment request, that is, whether the sum of the payment amount and the amount transferred out exceeds the transfer-out amount. If so, it is determined that the verification has failed, and the target member is not allowed to make this payment based on the shared resource account; if not, it is determined that the verification has passed, and the payment processing is performed based on the shared resource account.

[0068] If the transfer-out quota of any member in the associated group is insufficient, in order not to affect the member's normal spending, the member can apply for an increase in the transfer-out quota. In an optional implementation provided in this embodiment, taking the target member as an example, the member's application for an increase in the transfer-out quota is processed in the following manner:

[0069] voting on the target member's application for an increase in the transfer-out quota for the third target period; the application for an increase in the transfer-out quota includes the target member's application for the transfer-out quota;

[0070] The response process for the credit limit increase application is performed based on the voting results.

[0071] Specifically, after the voting process for the credit limit increase application is conducted, the credit limit of the target member is adjusted based on the voting process result. The third target period is any period in the sub-plan.

[0072] Furthermore, in an optional implementation provided by this embodiment, the following method is used to implement the response processing of the credit limit increase application based on the voting processing result:

[0073] If the voting result is a vote passed, the transfer-out amount of the target member in the third target period is adjusted based on the applied amount, and a successful application result is sent to the target member after the amount is adjusted;

[0074] If the voting result is that the vote is not passed, the application result indicating that the application failed is sent to the target member.

[0075] Specifically, when any member submits an application for an increase in the credit limit, an authorization vote is initiated to other members in the associated group through the authorization management module. The authorization management module counts the voting results according to the instructions of other members. If the voting results of the authorization management module are correct, the member's transfer limit will be modified.

[0076] It should also be noted that in the technical solution of this application, when any member (taking the target member as an example) specifies a personal plan or applies for a credit limit increase, the member initiates a personal plan or applies for a credit limit increase, and the process of other members in the associated group applying for it can be understood as any member initiating an authorization request for a personal plan or credit limit increase to the associated group, and corresponding processing is performed based on the authorization voting results of the associated group.

[0077] For example, if a target member specifies a personal plan, the system obtains the sub-plan submitted by the target member, conducts a vote within the associated group based on the sub-plan, and determines whether the sub-plan is effective based on the voting results. For example, if a target member requests a credit limit increase, the system conducts a vote within the associated group based on the target member's credit limit increase request, and adjusts the target member's credit limit based on the voting results.

[0078] The following is an example of the application of a credit sharing processing method provided by this embodiment in a credit sharing scenario to further illustrate the credit sharing processing method provided by this embodiment. Figure 2 , a quota sharing processing method applied to a quota sharing scenario, specifically including steps S202 to S212.

[0079] Step S202: When the settlement time of the historical period arrives, the amount transferred in the historical period by the target member associated with the shared resource account of the associated group is detected.

[0080] Step S204: If the transfer amount is less than the transfer limit of the target member in the historical period, the transfer difference and the limit amount are determined based on the transfer amount, the transfer limit and the default limit parameters recorded in the resource management plan of the shared resource account.

[0081] Step S206: Based on the limit amount, the transfer-out amount of the target member in the next period of the historical period is limited to obtain the available shared amount.

[0082] Step S208: When the transfer-in behavior of the associated member in the next period is detected, the actual transfer-in amount of the associated member in the next period is detected.

[0083] The associated members are members other than the target members in the associated group.

[0084] Step S210: If the actual transfer amount is greater than the transfer amount of the associated member in the next cycle, then check whether there is an available shared quota;

[0085] If yes, go to step S212;

[0086] If not, no action will be taken.

[0087] Step S212: Based on the additional transfer amount and the available shared quota, the associated members share the quota in the next cycle.

[0088] The additional transfer amount is calculated based on the actual transfer amount and the transfer amount of the associated members in the next cycle.

[0089] The following is an example of the application of a credit sharing processing method provided by this embodiment in a credit recovery scenario to further illustrate the credit sharing processing method provided by this embodiment. Figure 3 , a quota sharing processing method applied to a quota recovery scenario, specifically including steps S302 to S314.

[0090] Step S302: When the settlement time of the historical period arrives, the amount transferred in the historical period by the target member associated with the shared resource account of the associated group is detected.

[0091] Step S304: If the transfer amount is less than the transfer amount of the target member in the historical period, the target period for quota processing is determined based on the default quota parameter recorded in the resource management plan of the shared resource account.

[0092] Step S306: Determine the transfer-in difference and the limit amount based on the transfer-in amount, the transfer-in limit and the default limit parameter.

[0093] Step S308: limit the transfer-out quota of the target period based on the limit amount, and obtain the available shared quota.

[0094] Step S310: When the target member's transfer-in behavior in any period after the historical period is detected, the actual transfer-in amount of the target member is detected.

[0095] Step S312: If the actual transfer amount is greater than the target member's transfer amount in any period, then check whether there is an available shared quota;

[0096] If yes, go to step S314;

[0097] If not, no action will be taken.

[0098] Step S314: Allocate to the target member an amount corresponding to the transferred amount in the available shared quota in any period.

[0099] The additional transfer amount is calculated based on the actual transfer amount and the transfer amount of the target member in any period.

[0100] In summary, the quota sharing method provided in this embodiment integrates shared resource accounts into the resource management plan system. Furthermore, based on the relationships among members in the associated group, the resource management plan is divided into overall (master plan) and local (individual plans), ensuring that members in the resource management plan are mutually constrained. Furthermore, a breach of contract handling system is configured within the resource management plan. Based on the relationships, resource transfers (resource transfers in and out) between members are no longer solely individual actions, but are instead constrained by the members of the associated group.

[0101] Secondly, for the behavioral information of shared resource accounts, all are initiated by one member, and other members vote separately to determine the voting results and feedback to the initiating member to determine whether to execute them. This implements and introduces an authorization model in which individuals apply for authorization from the group and the group handles the authorization.

[0102] Through the above two aspects, the resource management plan of a shared resource account of an associated group is supervised, and each member of the associated group is constrained to each other, thereby realizing resource storage of the shared resource account.

[0103] An embodiment of a quota sharing processing device provided in this specification is as follows:

[0104] In the above embodiment, a quota sharing processing method is provided, and correspondingly, a quota sharing processing device is also provided, which is described below with reference to the accompanying drawings.

[0105] Reference Figure 4 , which shows a schematic diagram of a quota sharing processing device provided by this embodiment.

[0106] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0107] This embodiment provides a quota sharing processing device, including:

[0108] The transfer amount detection module 402 is configured to detect the transfer amount of the target member associated with the shared resource account of the associated group in the historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account;

[0109] If it is detected that the transfer-in amount is less than the transfer-in quota of the target member in the historical period, a quota processing module 404 is executed. The quota processing module 404 is configured to perform quota processing on the transfer-out quota of the target member in the first target period based on the transfer-in amount and the transfer-in quota, and obtain a quota processing result;

[0110] When the actual transfer amount of the associated member in the second target period is greater than the transfer amount of the second target period, the quota sharing module 406 is run, and the quota sharing module 406 is configured to share the quota based on the actual transfer amount and the limit processing result.

[0111] An embodiment of a quota sharing processing device provided in this specification is as follows:

[0112] Corresponding to the above-described credit sharing processing method, based on the same technical concept, one or more embodiments of this specification further provide a credit sharing processing device, which is used to execute the credit sharing processing method provided above. Figure 5 A schematic diagram of the structure of a credit sharing processing device provided in one or more embodiments of this specification.

[0113] This embodiment provides a quota sharing processing device, including:

[0114] like Figure 5As shown, the credit sharing processing device can vary significantly depending on its configuration or performance. It may include one or more processors 501 and memory 502. Memory 502 may store one or more applications or data. Memory 502 may be either ephemeral or persistent. Applications stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instructions within the credit sharing processing device. Furthermore, processor 501 may be configured to communicate with memory 502, allowing the credit sharing processing device to execute the series of computer-executable instructions within memory 502. The credit sharing processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input / output interfaces 505, one or more keyboards 506, and other components.

[0115] In a specific embodiment, the credit sharing processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the credit sharing processing device, and the one or more programs are configured to be executed by one or more processors, including computer-executable instructions for performing the following:

[0116] Detecting the transfer amount of the target member associated with the shared resource account of the associated group in the historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account;

[0117] If it is detected that the transfer-in amount is less than the transfer-in quota of the target member in the historical period, a quota limit processing is performed on the transfer-out quota of the target member in the first target period based on the transfer-in amount and the transfer-in quota, and a quota limit processing result is obtained;

[0118] When the actual transfer amount of the associated member in the second target period is greater than the transfer quota of the second target period, quota sharing is performed based on the actual transfer amount and the limit processing result.

[0119] An embodiment of a storage medium provided in this specification is as follows:

[0120] Corresponding to the quota sharing processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0121] The storage medium provided in this embodiment is used to store computer-executable instructions. When the computer-executable instructions are executed by a processor, the following process is implemented:

[0122] Detecting the transfer amount of the target member associated with the shared resource account of the associated group in the historical period; the resource quota of each member in the associated group is recorded in the resource management plan of the associated group for the shared resource account;

[0123] If it is detected that the transfer-in amount is less than the transfer-in quota of the target member in the historical period, a quota limit processing is performed on the transfer-out quota of the target member in the first target period based on the transfer-in amount and the transfer-in quota, and a quota limit processing result is obtained;

[0124] When the actual transfer amount of the associated member in the second target period is greater than the transfer quota of the second target period, quota sharing is performed based on the actual transfer amount and the limit processing result.

[0125] It should be noted that the embodiment of the storage medium in this specification and the embodiment of the quota sharing processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0126] The foregoing description of this specification describes specific embodiments. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or the sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0127] In the 1930s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using physical hardware modules. For example, a programmable logic device (PLD), such as a field programmable gate array (FPGA), is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly performed using software called a "logic compiler." This is similar to the software compilers used during program development. Before compilation, the original code must be written in a specific programming language, called a Hardware Description Language (HDL). There are many types of HDL, including ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that simply by programming a method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0128] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the memory control logic. Those skilled in the art will also appreciate that, in addition to implementing the controller purely in computer-readable program code, the controller can also be implemented in the form of logic gates, switches, an application-specific integrated circuit, a programmable logic controller, an embedded microcontroller, etc. by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the means for implementing the various functions included therein can also be considered as structures within the hardware component. Alternatively, the means for implementing the various functions can be considered both a software module implementing the method and a structure within the hardware component.

[0129] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0130] For the convenience of description, the above devices are described as being divided into various units according to their functions. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0131] Those skilled in the art will appreciate that one or more embodiments of this specification may be provided as a method, system, or computer program product. Thus, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0132] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0133] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0134] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0135] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0136] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0137] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can be implemented using any method or technology for information storage. Information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase-change RAM (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory computer-readable media such as modulated data signals and carrier waves.

[0138] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus that includes a series of elements includes not only those elements but also other elements not explicitly listed, or includes elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprises a ..." does not exclude the presence of other identical elements in the process, method, commodity, or apparatus that includes the element.

[0139] One or more embodiments of this specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. One or more embodiments of this specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0140] The various embodiments in this specification are described in a progressive manner. Similar parts between the various embodiments can be referred to in conjunction with each other. Each embodiment focuses on the differences between the other embodiments. In particular, the system embodiments are generally similar to the method embodiments, so the description is relatively simple. For relevant parts, refer to the description of the method embodiments.

[0141] The foregoing description is merely an example of the present invention and is not intended to limit the present invention. Persons skilled in the art will readily appreciate that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims herein.

Claims

1. A quota sharing method, comprising: Obtain payment requests from associated members based on shared resource accounts; Detecting the transfer amount of the target member associated with the shared resource account in the historical period; If the transfer amount is greater than or equal to the transfer amount of the target member in the historical period, no action will be taken; if the transfer amount is less than the transfer amount, the target member will be subject to a quota limit, and if the actual transfer amount of the associated member in the current period is greater than the transfer amount of the current period, the associated member will share the quota; Based on the payment amount carried in the payment request, the transfer amount and transferred amount of the associated member in the current period, the payment authority of the associated member is verified, and after the verification is passed, the payment request is processed based on the shared resource account.

2. The credit limit sharing method according to claim 1, wherein the transfer-out credit limit of the associated member in the current period includes: The transfer-out quota of the associated member recorded in the resource management plan of the shared resource account, or the transfer-out quota after the quota is shared.

3. The credit sharing method according to claim 1, further comprising: Voting on the credit limit increase application submitted by the associated member; the credit limit increase application includes the applied credit limit of the associated member; The response process for the credit limit increase application is performed based on the voting results.

4. The credit limit sharing method according to claim 3, wherein the response processing of the credit limit increase application based on the voting processing result includes: If the voting result is a vote passed, the transfer-out quota of the associated member in the current period is adjusted based on the applied quota, and after the quota adjustment, a successful application result is sent to the associated member; If the voting result is that the vote is not passed, the application result of application failure is sent to the associated member.

5. The credit sharing method according to claim 1, further comprising: When the target transfer-in amount of the target member in the current period is greater than the transfer-in limit of the target member in the current period, the limit of the target user is restored.

6. The quota sharing method according to claim 1, wherein the quota limiting process for the target member comprises: Calculating the transfer-in difference of the target member in the historical period based on the transfer-in amount and the transfer-in amount of the target member in the historical period; According to the transferred-in difference, the transfer-out amount of the target member in the resource management plan of the shared resource account in the first target period is reduced to obtain the actual transfer-out amount, and the transfer-out difference is used as the available shared amount; the transfer-out difference is calculated based on the transfer-out amount of the first target period and the actual transfer-out amount.

7. The credit sharing processing method according to claim 6, wherein the credit sharing for the associated members comprises: Calculating the additional transfer amount of the associated member based on the actual transfer amount and the transfer amount of the associated member in the current period; Allocate a quota corresponding to the additional transfer amount to the associated member from the available shared quota.

8. The credit sharing method according to claim 1, further comprising: Generate a plan identifier for the sub-plan submitted by the target member; The sub-plan includes the transfer-in quota and transfer-out quota of the target member in at least one cycle; Based on the plan identifier, performing voting processing on the sub-plan; If the voting result is a vote passed, the sub-plan is confirmed to be effective.

9. The quota sharing processing method according to claim 1, wherein the resource management plan of the shared resource account records the total transfer-in quota, the total transfer-out quota and / or the default limit parameter; The total transfer-in amount and the total transfer-out amount are determined based on the sub-plan of each member; the default limit parameters are determined by voting of each member.

10. The quota sharing processing method according to claim 9, wherein the total transfer-in quota recorded in the resource management plan is equal to the sum of the transfer-in quotas of each member; If the actual total transfer-in amount is less than the total transfer-in amount, determining the available shared amount based on the actual total transfer-in amount, the total transfer-in amount and the default limit parameter; The available shared quota is used to allocate to members who transfer in excess.

11. The credit sharing processing method according to claim 1, further comprising: Obtaining a payment request from the target member based on the shared resource account; Verify the payment authority of the target member based on the payment amount carried in the payment request, the transfer amount after the limit processing, and the transferred amount; If the verification is successful, payment processing is performed on the payment request of the target member based on the shared resource account.

12. A quota sharing method, comprising: Check the transfer amount of the target members associated with the shared resource account of the associated group in the historical period; If it is detected that the transfer-in amount is less than the transfer-in amount of the target member in the historical period, the transfer-out amount of the target member in the first target period is limited; When the target transfer-in amount of the target member in the second target period is greater than the transfer-in credit limit of the target member in the second target period, restoring the credit limit of the target member; Obtaining a payment request from the target member based on the shared resource account; Based on the payment amount carried in the payment request, the transfer amount after the amount is restored and the amount transferred out, the payment authority of the target member is verified, and after the verification is passed, the payment request is processed based on the shared resource account.

13. A quota sharing processing device, comprising: a transfer amount detection module configured to obtain a payment request from an associated member based on a shared resource account and detect a transfer amount of a target member associated with the shared resource account in a historical period; If the transfer-in amount is greater than or equal to the transfer-in amount of the target member in the historical period, no processing is performed; if the transfer-in amount is less than the transfer-in amount, the limit processing module is run, and the limit processing module is configured to perform limit processing on the target member, and when the actual transfer-in amount of the associated member in the current period is greater than the transfer-in amount of the current period, the limit sharing module is run, and the limit sharing module is configured to share the limit with the associated members; based on the payment amount carried in the payment request, the transfer-out amount and the transferred-out amount of the associated member in the current period, the payment authority of the associated member is verified, and after the verification is passed, the payment request is processed based on the shared resource account.

14. A quota sharing processing device, comprising: processor; as well as, a memory configured to store computer-executable instructions that, when executed, cause the processor to: Obtain payment requests from associated members based on shared resource accounts; Detecting the transfer amount of the target member associated with the shared resource account in the historical period; If the transfer amount is greater than or equal to the transfer amount of the target member in the historical period, no action will be taken; if the transfer amount is less than the transfer amount, the target member will be subject to a quota limit, and if the actual transfer amount of the associated member in the current period is greater than the transfer amount of the current period, the associated member will share the quota; Based on the payment amount carried in the payment request, the transfer amount and transferred amount of the associated member in the current period, the payment authority of the associated member is verified, and after the verification is passed, the payment request is processed based on the shared resource account.

15. A storage medium for storing computer-executable instructions, wherein the computer-executable instructions, when executed by a processor, implement the following process: Obtain payment requests from associated members based on shared resource accounts; Detecting the transfer amount of the target member associated with the shared resource account in the historical period; If the transfer amount is greater than or equal to the transfer amount of the target member in the historical period, no action will be taken; if the transfer amount is less than the transfer amount, the target member will be subject to a quota limit, and if the actual transfer amount of the associated member in the current period is greater than the transfer amount of the current period, the associated member will share the quota; Based on the payment amount carried in the payment request, the transfer amount and transferred amount of the associated member in the current period, the payment authority of the associated member is verified, and after the verification is passed, the payment request is processed based on the shared resource account.

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