Resource allocation method and device, equipment, storage medium and program product

Abstract

The invention provides a resource allocation method and device, equipment, a storage medium and a program product, which can be applied to the technical field of data processing and financial science and technology. The method comprises the following steps: calling a data source access interface, and sending a resource data request for acquiring resource data to a target data source; target resource data sent by a target data source in response to the resource data request is received, initial resource allocation data is determined, and the initial resource allocation data comprises at least one type of resource pre-allocation type data; and allocating the initial resource allocation data based on a preset allocation rule to generate a target resource allocation result, the preset allocation rule being associated with resource pre-allocation type data, the resource pre-allocation type data including source data, quota limit data and allocation proportion data, and the resource pre-allocation type data being associated with the source data.

Description

Technical Field

[0001] The present disclosure relates to the fields of data processing and financial technology, and in particular to a resource allocation method, apparatus, device, storage medium and program product. Background Art

[0002] Credit refers to a financial institution providing a certain amount of credit or loan to a customer, so that the customer can obtain funds or credit support within a certain period of time. In traditional credit line testing, the transaction details of all customer products and businesses are summarized and calculated. The relevant financial system tests the credit line through a one-time credit block, and checks each transaction to see if the credit line occupied by the transaction exceeds the limit to control the credit line. This testing method strictly controls the credit line and maximizes the use of the credit line.

[0003] In the process of conceiving the present invention, the inventors discovered that the related technologies have the following defects in credit limit detection: the traditional one-time credit limit overlimit detection is a full-link detection, which is time-consuming, has high requirements for software and hardware configuration, consumes a lot of system resources, and is difficult to meet application scenarios with high timeliness requirements. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a resource allocation method, apparatus, device, storage medium and program product.

[0005] According to a first aspect of the present disclosure, there is provided a resource allocation method, comprising: calling a data source access interface to send a resource data request for acquiring resource data to a target data source;

[0006] receiving target resource data sent by the target data source in response to the resource data request, and determining initial resource allocation data, wherein the initial resource allocation data includes at least one resource pre-allocation type data; and

[0007] The above-mentioned initial resource allocation data is allocated based on preset allocation rules to generate a target resource allocation result, wherein the above-mentioned preset allocation rules are associated with the above-mentioned resource pre-allocation type data, the above-mentioned resource pre-allocation type data includes source data, quota limit data and allocation ratio data, and the above-mentioned resource pre-allocation type data is associated with the above-mentioned source data.

[0008] According to an embodiment of the present disclosure, the method further includes: generating a target resource occupancy result based on the target resource allocation result and occupancy data corresponding to the target resource allocation result.

[0009] According to an embodiment of the present disclosure, the above-mentioned initial resource allocation data is allocated based on preset allocation rules to generate the target resource allocation result, including: allocating the above-mentioned initial resource allocation data according to the above-mentioned allocation ratio data, the above-mentioned quota limit data and preset classification rules to generate the above-mentioned target resource allocation result.

[0010] According to an embodiment of the present disclosure, the above-mentioned quota limit data includes first quota limit data; wherein, the above-mentioned initial resource allocation data is allocated according to the above-mentioned initial resource allocation data, the above-mentioned allocation ratio data, the above-mentioned quota limit data and the preset classification rules to generate the above-mentioned target resource allocation result, including: generating a first allocation quota result according to the above-mentioned initial resource allocation data and the above-mentioned allocation ratio data; comparing the above-mentioned first allocation quota result with the above-mentioned first quota limit data to generate a first quota comparison result; and allocating the above-mentioned initial resource allocation data according to the above-mentioned first quota comparison result to generate the above-mentioned target resource allocation result.

[0011] According to an embodiment of the present disclosure, the above-mentioned target resource allocation result includes a first target resource allocation result; wherein, the above-mentioned initial resource allocation data is allocated according to the above-mentioned first quota comparison result to generate the above-mentioned target resource allocation result, including: when the above-mentioned first quota comparison result indicates that the above-mentioned first allocation quota result is greater than or equal to the above-mentioned first quota limit data, the first target resource allocation result is generated.

[0012] According to an embodiment of the present disclosure, the above-mentioned quota limit data also includes second quota limit data, and the above-mentioned target resource allocation result also includes a second target resource allocation result; wherein, the above-mentioned initial resource allocation data is allocated according to the above-mentioned first quota comparison result to generate the above-mentioned target resource allocation result, and also includes: when the above-mentioned first quota comparison result indicates that the above-mentioned first allocation quota result is less than the above-mentioned first quota limit data and satisfies the first allocation condition, the above-mentioned second target resource allocation result is generated, and the above-mentioned first allocation condition includes the above-mentioned second quota limit data.

[0013] According to an embodiment of the present disclosure, the above-mentioned target resource allocation result also includes a third target resource allocation result; wherein, the above-mentioned initial resource allocation data is allocated according to the above-mentioned first quota comparison result to generate the above-mentioned target resource allocation result, and also includes: when the above-mentioned first quota comparison result indicates that the above-mentioned first allocation quota result is less than the above-mentioned first quota limit data and satisfies the second allocation condition, the above-mentioned third target resource allocation result is generated.

[0014] According to an embodiment of the present disclosure, the above-mentioned target resource allocation result also includes a fourth target resource allocation result; wherein, the above-mentioned initial resource allocation data is allocated according to the above-mentioned first quota comparison result to generate the above-mentioned target resource allocation result, and also includes: when the above-mentioned first quota comparison result indicates that the above-mentioned first allocation quota result is less than the above-mentioned first quota limit data, the above-mentioned fourth target resource allocation result is generated.

[0015] According to an embodiment of the present disclosure, the above-mentioned resource pre-allocation type data also includes trigger condition data, and the above-mentioned trigger condition data is associated with the above-mentioned quota limit data and the above-mentioned allocation ratio data; wherein, the above-mentioned method also includes: when the above-mentioned target resource occupancy result indicates that the above-mentioned trigger condition data is greater than or equal to a preset trigger threshold, executing a resource allocation operation.

[0016] A second aspect of the present disclosure provides a resource allocation device, characterized in that the device comprises:

[0017] A resource data request sending module is used to call a data source access interface and send a resource data request for obtaining resource data to a target data source;

[0018] an initial resource allocation data determination module, configured to receive target resource data sent by the target data source in response to the resource data request, and determine initial resource allocation data, wherein the initial resource allocation data includes at least one resource pre-allocation type data; and

[0019] The target resource allocation result generation module is used to allocate the above-mentioned initial resource allocation data based on preset allocation rules to generate target resource allocation results, wherein the above-mentioned preset allocation rules are associated with the above-mentioned resource pre-allocation type data, the above-mentioned resource pre-allocation type data includes source data, quota limit data and allocation ratio data, and the above-mentioned resource pre-allocation type data is associated with the above-mentioned source data.

[0020] A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above method.

[0021] The fourth aspect of the present disclosure further provides a computer-readable storage medium having a computer program or instructions stored thereon, which implements the steps of the above method when the above computer program or instructions are executed by a processor.

[0022] The fifth aspect of the present disclosure further provides a computer program product, including a computer program or instructions, which implement the steps of the above method when the above computer program or instructions are executed by a processor.

[0023] According to the resource allocation method, device, equipment, storage medium and program product provided by the present disclosure, initial resource allocation data including multiple resource pre-allocation type data can be determined by obtaining target resource data from different data sources, so that the initial resource allocation data can be intelligently allocated twice in real time based on preset allocation rules and resource pre-allocation type data, thereby obtaining the target resource allocation result. Since the target resource allocation result is achieved by pre-allocating the target resources in advance through secondary dynamic allocation, the time spent on the detection link in the resource allocation control is shortened, the resource consumption in the detection process is saved, and the real-time and efficiency of resource allocation are further satisfied. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0025] Figure 1 The application scenario diagram of the resource allocation method, apparatus, device, storage medium and program product according to the embodiments of the present disclosure is schematically shown;

[0026] Figure 2 A flowchart of a resource allocation method according to an embodiment of the present disclosure is schematically shown;

[0027] Figure 3 The schematic diagram of the overall framework of secondary credit granting block according to the embodiment of the present disclosure is shown schematically;

[0028] Figure 4 A schematic diagram of credit usage in a transaction process according to an embodiment of the present disclosure is schematically shown;

[0029] Figure 5 A schematic diagram of a secondary credit block dynamic allocation process according to an embodiment of the present disclosure is shown;

[0030] Figure 6 A schematic diagram of a structure of a resource allocation device according to an embodiment of the present disclosure is shown; and

[0031] Figure 7 A block diagram of an electronic device suitable for implementing a resource allocation method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0032] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0033] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0034] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0035] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0036] In the technical solution of the present disclosure, the user information (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0037] In the scenario of using personal information for automated decision-making, the methods, devices, and systems provided by the embodiments of the present disclosure provide users with corresponding operation portals for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision-making" here refers to the activity of automatically analyzing and evaluating a person's behavioral habits, interests and hobbies, or economic, health, credit status, etc. through computer programs, and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by people who specialize in a certain field, have specialized experience, knowledge and skills, and have reached a certain level of professionalism.

[0038] In the process of conceiving the present disclosure, the inventor discovered that in the related art, the detection of over-limit of a credit block is a full-link detection, which takes a long time, has high configuration requirements, consumes a lot of system resources, and is difficult to meet application scenarios with high timeliness requirements. In view of this, the present disclosure can determine the initial resource allocation data including a variety of resource pre-allocation type data by obtaining target resource data from different data sources, so that the initial resource allocation data can be intelligently allocated in real time based on preset allocation rules and resource pre-allocation type data, and then the target resource allocation result can be obtained. Since the target resource allocation result is achieved by pre-allocating the target resources in advance through secondary dynamic allocation, the time spent on checking the link in resource allocation control is shortened, the resource consumption in the detection process is saved, and the real-time and efficiency of resource allocation are further met.

[0039] The embodiments of the present disclosure provide a resource allocation method, apparatus, device, storage medium and program product. The resource allocation method includes calling a data source access interface, sending a resource data request for obtaining resource data to a target data source; receiving target resource data sent by the target data source in response to the resource data request, determining initial resource allocation data, wherein the initial resource allocation data includes at least one resource pre-allocation type data; and allocating the initial resource allocation data based on a preset allocation rule to generate a target resource allocation result, wherein the preset allocation rule is associated with the resource pre-allocation type data, the resource pre-allocation type data includes source data, quota limit data and allocation ratio data, and the resource pre-allocation type data is associated with the source data.

[0040] Figure 1 The application scenario diagram of the resource allocation method, apparatus, device, storage medium and program product according to the embodiments of the present disclosure is schematically shown.

[0041] like Figure 1As shown, the application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 is used to provide a medium for a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0042] The user may use at least one of the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications may be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0043] The first terminal device 101, the second terminal device 102, and the third terminal device 103 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0044] The server 105 may be a server that provides various services, such as a background management server (only as an example) that provides support for websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0045] It should be noted that the resource allocation method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the resource allocation device provided in the embodiment of the present disclosure can generally be set in the server 105. The resource allocation method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105. Accordingly, the resource allocation device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the first terminal device 101, the second terminal device 102, the third terminal device 103 and / or the server 105.

[0046] It should be understood that Figure 1The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0047] Figure 2 The flowchart of the resource allocation method according to the embodiment of the present disclosure is schematically shown.

[0048] like Figure 2 As shown, the resource allocation method of this embodiment includes operations S210 to S230.

[0049] In operation S210, a data source access interface is called to send a resource data request for acquiring resource data to a target data source.

[0050] According to the embodiments of the present disclosure, the type of data source access interface can be determined according to the type, source and usage scenario of the target data source in the actual business, and the data source access interface can include an application program interface (API), database connection, file transfer, message queue and web crawler, etc. For example, when the target data source is a database, the interface provided by the database management system can be used to enable the application to query, read and write data in the database.

[0051] It should be noted that the application scenarios of the present disclosure may be scenarios for the allocation of credit lines or loan line resources for personal credit and corporate credit in the financial field. Personal credit lines may include credit support in the form of credit card lines, personal consumption loans, personal mortgage loans, etc.; corporate credit lines may include credit support in the form of corporate loans, corporate credit lines, trade financing, etc.

[0052] In operation S220, target resource data sent by the target data source in response to the resource data request is received, and initial resource allocation data is determined, wherein the initial resource allocation data includes at least one resource pre-allocation type data.

[0053] According to an embodiment of the present disclosure, the target resource data includes but is not limited to the credit record data, income data, liability data, asset status data, and borrowing purpose data of the credit object (user). The initial resource allocation data may be the one-time credit block quota data determined based on the target resource data, which may be stored in the one-time credit block quota management system. The credit block quota data refers to data that temporarily reserves a part of the credit quota for a specific customer or a specific transaction within a certain period of time. The initial resource allocation data may be the total credit quota data calculated based on the user's target resource data, and the initial resource allocation data may be the total credit quota data of the user in a certain time period, for example, the credit quota data of user A in the first quarter of 2024. The standard of the initial resource allocation data may be determined according to the actual situation and is not limited here. The resource pre-allocation type data may be the resource allocation type data that divides the initial resource allocation data and needs to be secondary allocated in a future time period.

[0054] In an embodiment of the present disclosure, before obtaining the credit record data, income data, liability data, asset status data, and loan purpose data of the credit object (user), the user's consent or authorization may be obtained. For example, before operation S220, a request to obtain user information may be issued to the user. When the user agrees or authorizes that the user information may be obtained, operation S220 is performed.

[0055] In operation S230, the initial resource allocation data is allocated based on a preset allocation rule to generate a target resource allocation result, wherein the preset allocation rule is associated with resource pre-allocation type data, the resource pre-allocation type data includes source data, quota limit data and allocation ratio data, and the resource pre-allocation type data is associated with the source data.

[0056] According to an embodiment of the present disclosure, the preset allocation rule may be a rule for performing resource pre-allocation (secondary allocation) according to the source data, quota limit data and allocation ratio data in the resource pre-allocation type data. The target resource allocation result may be the result of secondary allocation of the initial resource allocation data, which may be stored in the secondary credit block quota management system. For example, the initial resource allocation data is A, and the target resource allocation result may be A0, A1, A2 obtained through secondary allocation. The source data may be the secondary credit block quota management system data corresponding to the resource pre-allocation (secondary allocation), such as a certain foreign exchange trading center system data. The quota limit data may be the credit block quota data corresponding to the secondary allocation, including the maximum quota data of the secondary credit block and the minimum quota data of the secondary credit block. The allocation ratio data may be the ratio of the remaining initial resource allocation data (primary credit block quota data) of the source management system to the secondary credit block quota.

[0057] In a feasible embodiment, in operation S220, the resource pre-allocation type data may include different resource allocation type data determined by performing secondary allocation on the initial resource allocation data for different application scenarios and purposes. For example, the resource pre-allocation type data may include A resource pre-allocation type data and B resource pre-allocation type data, wherein the A resource pre-allocation type data may be data for pre-allocating resources for a certain foreign exchange trading platform, and the B resource pre-allocation type data may be data for pre-allocating resources for a certain financial service platform.

[0058] According to the embodiments of the present disclosure, the initial resource allocation data including multiple resource pre-allocation type data can be determined by obtaining target resource data from different data sources, so that the initial resource allocation data can be intelligently allocated twice in real time based on the preset allocation rules and resource pre-allocation type data, thereby obtaining the target resource allocation result. Since the target resource allocation result is achieved by pre-allocating the target resources in advance through secondary dynamic allocation, the time spent on the detection link in the resource allocation control is shortened, the resource consumption in the detection process is saved, and the real-time and efficiency of resource allocation are further satisfied.

[0059] According to an embodiment of the present disclosure, the resource allocation method further includes: generating a target resource occupancy result based on the target resource allocation result and occupancy data corresponding to the target resource allocation result.

[0060] According to an embodiment of the present disclosure, the occupied data may be the credit line data occupied in the actual application scenario based on the target resource allocation result. When the transaction is concluded, the secondary allocation data may flow into the corresponding source management system, and the source management system may convert the pre-allocated credit line of the transaction into the actual occupied credit line, and feedback the transaction inflow result to the secondary allocation data system.

[0061] According to an embodiment of the present disclosure, initial resource allocation data is allocated based on preset allocation rules to generate target resource allocation results, including: allocating initial resource allocation data according to allocation ratio data, quota limit data and preset classification rules to generate target resource allocation results.

[0062] According to an embodiment of the present disclosure, the target resource allocation result can be obtained by allocating the initial resource allocation data according to the allocation ratio data, the maximum amount data of the secondary credit block, the minimum amount data of the secondary credit block and the preset allocation rules.

[0063] In a feasible embodiment, the primary credit block quota management system can occupy customer credit limits in batches on a daily basis by customer dimension, i.e., primary credit block, for use by various businesses in the financial market. The secondary credit block quota management system performs secondary credit block on the primary credit block credit limit of the primary credit block quota management system. It can be understood that different secondary credit block quotas correspond to different secondary credit block quota management systems.

[0064] According to the embodiments of the present disclosure, by dynamically allocating the primary credit block through the secondary credit block, the inspection link of the credit control can be shortened, avoiding the time-consuming defect of the full-link inspection in the traditional technology, thereby improving the efficiency of the credit limit inspection and resource allocation in high-frequency trading scenarios.

[0065] According to an embodiment of the present disclosure, the quota limit data includes first quota limit data; wherein, the initial resource allocation data is allocated according to the initial resource allocation data, the allocation ratio data, the quota limit data and the preset classification rules to generate a target resource allocation result, including: generating a first allocation quota result according to the initial resource allocation data and the allocation ratio data; comparing the first allocation quota result with the first quota limit data to generate a first quota comparison result; and allocating the initial resource allocation data according to the first quota comparison result to generate a target resource allocation result.

[0066] According to an embodiment of the present disclosure, the first credit limit data may represent the maximum credit limit data of the secondary credit block, and the first allocated credit limit result may be the product of the credit block remaining credit limit (primary credit block credit limit) of the primary credit block credit limit management system and the allocation ratio data. The first credit limit comparison result may include a case where the first allocated credit limit result is greater than or equal to the first credit limit data, and a case where the first allocated credit limit result is less than the first credit limit data.

[0067] In a feasible embodiment, in the transaction process, the secondary credit block quota management system sends transaction inspection elements (for example, currency pair, transaction currency, amount, etc.) to the primary credit block quota management system. The primary credit block quota management system can pre-empt credit from the secondary credit block based on the transaction inspection elements and return the inspection results to the secondary credit block quota management system.

[0068] According to an embodiment of the present disclosure, the target resource allocation result includes a first target resource allocation result; wherein, the initial resource allocation data is allocated according to the first quota comparison result to generate the target resource allocation result, including: when the first quota comparison result indicates that the first allocation quota result is greater than or equal to the first quota limit data, the first target resource allocation result is generated.

[0069] According to an embodiment of the present disclosure, if the product of the remaining credit block limit (the remaining credit block limit) in the first credit block limit management system and the allocation ratio data is greater than or equal to the first limit data, then the first credit block limit management system can fill the credit block limit (the second credit block limit) in the second credit block limit management system to the first limit data, and subsequent transactions in the second credit block limit management system can continue to occupy the credit block limit in the second credit block limit management system, that is, the first target resource allocation result.

[0070] According to an embodiment of the present disclosure, the quota limit data also includes second quota limit data, and the target resource allocation result also includes a second target resource allocation result; wherein, the initial resource allocation data is allocated according to the first quota comparison result to generate the target resource allocation result, and further comprises: when the first quota comparison result indicates that the first allocation quota result is less than the first quota limit data and satisfies the first allocation condition, generating the second target resource allocation result, wherein the first allocation condition includes the second quota limit data.

[0071] According to an embodiment of the present disclosure, the second credit limit data can represent the minimum credit limit data of the secondary credit block. If the product of the remaining credit limit of the credit block (the remaining credit limit of the primary credit block) and the allocation ratio data in the primary credit block credit limit management system is less than the first credit limit data, but greater than the second credit limit data, and the product of the remaining credit limit of the credit block and the allocation ratio data plus the unused credit limit of the secondary credit block is less than or equal to the first credit limit data, then the primary credit block credit limit management system can add the product to the credit block credit limit (secondary credit block credit limit) in the secondary credit block credit limit management system, that is, the second target resource allocation result.

[0072] According to an embodiment of the present disclosure, the target resource allocation result also includes a third target resource allocation result; wherein, the initial resource allocation data is allocated according to the first quota comparison result to generate the target resource allocation result, and also includes: when the first quota comparison result indicates that the first allocation quota result is less than the first quota limit data and satisfies the second allocation condition, the third target resource allocation result is generated.

[0073] According to an embodiment of the present disclosure, if the product of the remaining credit block limit (the remaining credit block limit) in the first credit block limit management system and the allocation ratio data is less than the first limit data, but greater than the second limit data, and the product plus the unused limit of the second credit block is greater than the first limit data, then the first credit block limit management system can fill the credit block limit (the second credit block limit) in the second credit block limit management system to the first limit data, that is, the third target resource allocation result.

[0074] According to an embodiment of the present disclosure, the target resource allocation result also includes a fourth target resource allocation result; wherein, the initial resource allocation data is allocated according to the first quota comparison result to generate the target resource allocation result, and also includes: when the first quota comparison result indicates that the first allocation quota result is less than the first quota limit data, a fourth target resource allocation result is generated.

[0075] According to an embodiment of the present disclosure, if the product of the remaining credit block amount in the first credit block amount management system (the remaining credit block amount) and the allocation ratio data is less than the first amount limit data, the first credit block amount management system may no longer supplement the second credit block, and automatically release the remaining amount in the second credit block of the customer to the first credit block. Subsequent transactions of the customer can verify the amount in the first credit block, that is, the fourth target resource allocation result.

[0076] According to an embodiment of the present disclosure, the resource pre-allocation type data also includes trigger condition data, and the trigger condition data is associated with the quota limit data and the allocation ratio data; wherein, the method also includes: when the target resource occupancy result represents that the trigger condition data is greater than or equal to a preset trigger threshold, executing a resource allocation operation.

[0077] According to the embodiments of the present disclosure, the trigger condition data can indicate that the secondary credit block can be triggered again after the secondary credit block quota is consumed to the condition data. The trigger condition data can also be called the secondary credit block supplement trigger ratio, that is, when the credit block quota in the secondary credit block quota management system is consumed to the "secondary credit block supplement trigger ratio", the trigger system automatically replenishes the secondary credit block quota from the remaining quota of the primary credit block.

[0078] According to the embodiments of the present disclosure, by automatically supplementing the secondary credit block through trigger condition data, the system can quickly supplement the credit block without waiting for more serious risks to occur, thereby reducing the risk exposure time and improving the efficiency of dealing with risks.

[0079] In a feasible embodiment, the resource allocation method may further include the following process.

[0080] First, relevant elements of this embodiment are described.

[0081] Total amount of one-time credit cut-off: The total amount of one-time credit cut-off quota management system cuts off from the credit management system, recorded as A, for example, the value is 10 million.

[0082] Secondary credit block amount: the real-time total amount of secondary credit blocks after the completion of the current round of secondary credit blocks, recorded as B, which may include, for example, B0, B1, B2, ..., B10.

[0083] Balance of primary credit block: the remaining amount in the primary block after the secondary block is executed, recorded as N, including N0, N1, N2, etc.

[0084] The upper limit of the credit limit for blocks (the first limit data): the set supplementary upper limit. If the balance of a credit block exceeds the supplementary upper limit, the credit block will be filled up; if the balance of a credit block is lower than this upper limit, the secondary credit block supplementary amount will be calculated according to the block ratio (allocation ratio data), recorded as L1, for example, the value is 1 million yuan (front-end parameter maintenance).

[0085] The lower limit of the credit limit for block cutting (the second credit limit data) is set as the lower limit for block cutting. If the amount cut off by a single credit block cutting is lower than the lower limit, the block cutting action will be stopped. It is recorded as L2, for example, the value is 300,000 yuan.

[0086] Cutting ratio (allocation ratio data): the ratio of the credit cutting amount to the remaining amount of the credit cutting at each credit cutting, denoted as P, for example, the value is 30%.

[0087] Secondary credit block supplement trigger ratio (trigger condition data): When the amount used in the secondary credit block reaches the trigger ratio, the system starts to calculate the next credit block amount and determines whether to cut, which is recorded as X, for example, the value is 80%.

[0088] The amount of the secondary credit block in the current round is recorded as U, which may include, for example, U0, U1, U2, ..., U11.

[0089] The resource allocation method of this embodiment includes operations S301 to S314.

[0090] In operation S301, the automatic credit cutting at the beginning of the day includes: B0=A*P=1000*30%=3 million>L1-1 million=1 million. The estimated cutting value is calculated at 30% at the beginning of the day. If it exceeds the upper limit of the cutting credit limit L1, it will be cut according to the upper limit of the cutting credit limit L1. If the value is between the upper limit of the cutting credit limit L1 and the lower limit of the cutting credit limit L2, it can be cut according to the calculated value. If it is lower than the lower limit of the cutting credit limit L2, no cutting will be done.

[0091] Among them, N0 = A-BO = 1000-100 = 9 million;

[0092] UO=B0=1 million.

[0093] In operation S302, the automatic replenishment trigger ratio is used, which may include: calculating the estimated block value according to 30% of the balance of a credit block; if it exceeds the upper limit L1 of the block credit limit, replenishing the credit block limit consumed at this time; if it is between the upper limit L1 of the block credit limit and the lower limit L2 of the block credit limit, the block can be cut according to the calculated value; if it is lower than the lower limit L2 of the block credit limit, no cutting will be done.

[0094] Among them, the amount used = B0*X = 100*80% = 800,000;

[0095] U1=N0*P=900*30%=2.7 million>L1-1 million=800,000;

[0096] B1=(BO-BO*X)+U1=(100-80)+80=1 million;

[0097] N1=N0-U1=900-80=8.2 million.

[0098] In operation S303, the automatic replenishment trigger ratio is used, which may include: calculating the estimated block value according to 30% of the balance of a credit block. If it exceeds the upper limit L1 of the block credit limit, the block limit consumed at this time is replenished; if it is between the upper limit L1 of the block credit limit and the lower limit L2 of the block credit limit, the block is cut according to the calculated value; if it is lower than L2, no block is cut.

[0099] Among them, the amount used = B1*X = 100*80% = 800,000;

[0100] U2 = N1*P = 820*30% = 2.46 million > L1-1 million = 800,000;

[0101] B2 = (B1-B1*X) + U2 = (100-80) + 80 = 1 million;

[0102] N2=N1-U2=900-80=7.4 million.

[0103] In operation S304, the automatic replenishment trigger ratio is used, which may include: calculating the estimated block value according to 30% of the balance of a block, if it exceeds the upper limit of the block credit limit L1, then replenishing the credit block limit consumed at this time; if it is between the upper limit of the block credit limit L1 and the lower limit of the block credit limit L2, then cutting is performed according to the calculated value; if it is lower than the lower limit of the block credit limit L2, then no cutting is performed.

[0104] Among them, the amount used = B2*X = 100*80% = 800,000;

[0105] U3=N2*P=740*30%=2.22 million>L1-1 million=800,000;

[0106] B3=(B2-B2*X)+U3=(100-80)+80=1 million;

[0107] N3=N2-U3=7.40-80=6.6 million.

[0108] In operation S305, the automatic replenishment trigger ratio is used, which may include: calculating the estimated block value according to 30% of the balance of a credit block. If it exceeds the upper limit L1 of the block credit limit, the block limit consumed at this time is replenished; if it is between the upper limit L1 of the block credit limit and the lower limit L2 of the block credit limit, the block is cut according to the calculated value; if it is lower than the lower limit L2 of the block credit limit, no block is cut.

[0109] Among them, the amount used = B2*X = 100*80% = 800,000;

[0110] U3=N2*P=740*30%=2.22 million>L1-1 million=800,000;

[0111] B3=(B2-B2*X)+U3=(100-80)+80=1 million;

[0112] N3=N2-U3=6.60-80=5.8 million.

[0113] In operation S306, the automatic replenishment trigger ratio is used, which may include: calculating the estimated block value according to 30% of the remaining amount of one block, if it exceeds the block credit limit upper limit L1, then replenishing the block credit limit consumed at this time; if it is between the block credit limit upper limit L1 and the block credit limit lower limit L2, then cutting is performed according to the calculated value; if it is lower than the block credit limit lower limit L2, then no cutting is performed.

[0114] Among them, the amount used = B3*X = 100*80% = 800,000;

[0115] U4=N3*P=660*30%=1.98 million>L1-1 million=800,000;

[0116] B4=(B3-B3*X)+U4=(100-80)+80=1 million;

[0117] N4=N3-U4=580-80=5 million.

[0118] In operation S307, the automatic replenishment trigger ratio is used, which may include calculating the estimated block value according to 30% of the remaining amount of one block. If it exceeds the block credit limit upper limit L1, the block amount consumed at this time is replenished. If it is between the block credit limit upper limit L1 and the block credit limit lower limit L2, the block is cut according to the calculated value. If it is lower than the block credit limit lower limit L2, no block is cut.

[0119] Among them, the amount used = B4*X = 100*80% = 800,000;

[0120] U5 = N4 * P = 500 * 30% = 1.5 million > L1 - 1 million = 800,000;

[0121] B5=(B4-B4*X)+U5=(100-80)+80=1 million;

[0122] N5=N4-U5=500-80=4.2 million.

[0123] In operation S308, the automatic replenishment trigger ratio is used, which may include: calculating the estimated block value according to 30% of the remaining amount of one block. If it exceeds the upper limit L1 of the block credit limit, the block amount consumed at this time is replenished; if it is between the upper limit L1 of the block credit limit and the lower limit L2 of the block credit limit, the block is cut according to the calculated value; if it is lower than the lower limit L2 of the block credit limit, no block is cut.

[0124] Among them, the amount used = B5*X = 100*80% = 800,000;

[0125] U6 = N5 * P = 420 * 30% = 1.26 million > L1 - 1 million = 800,000;

[0126] B6=(B5-B5*X)+U6=(100-80)+80=1 million;

[0127] N6=N5-U6=420-80=3.4 million.

[0128] In operation S309, the automatic replenishment trigger ratio is used, which may include: calculating the estimated block value according to 30% of the remaining amount of one block, if it exceeds the block credit limit upper limit L1, then replenishing the block credit limit consumed at this time, if it is between the block credit limit upper limit L1 and the block credit limit lower limit L2, then cutting is performed according to the calculated value, if it is lower than the block credit limit lower limit L2, then no cutting is performed.

[0129] Among them, the amount used = B6*X = 100*80% = 800,000;

[0130] U7 = N6 * P = 340 * 30% = 1.02 million > L1 - 1 million = 800,000;

[0131] B7=(B6-B6*X)+U7=(100-80)+80=1 million;

[0132] N7=N6-U7=3.40-80=2.6 million.

[0133] In operation S310, the automatic replenishment trigger ratio is used, which may include: calculating the estimated chunk value according to 30% of the remaining amount of one chunk. If it exceeds the upper limit L1 of the chunk credit limit, replenish the consumed chunk amount at this time. If it is between the upper limit L1 and the lower limit L2 of the chunk credit limit, perform chunking according to the calculated value. If it is lower than the lower limit L2 of the chunk credit limit, no chunking is performed.

[0134] Among them, the used amount = B7 * X = 100 * 80% = 800,000;

[0135] U8 = N7 * P = 260 * 30% = 780,000 < L1 - 1,000,000 = 780,000;

[0136] B8 = (B7 - B7 * X) + U8 = (100 - 80) + 78 = 980,000;

[0137] N8 = N7 - U8 = 260 - 78 = 1,820,000.

[0138] In operation S311, the automatic replenishment trigger ratio is used, which may include: calculating the estimated chunk value according to 30% of the remaining amount of one chunk. If it exceeds the upper limit L1 of the chunk credit limit, replenish the consumed chunk amount at this time. If it is between the upper limit L1 and the lower limit L2 of the chunk credit limit, perform chunking according to the calculated value. If it is lower than the lower limit L2 of the chunk credit limit, no chunking is performed.

[0139] Among them, the used amount = B8 * X = 98 * 80% = 784,000;

[0140] U9 = N8 * P = 182 * 30% = 546,000 < L1 - 1,000,000 = 546,000;

[0141] B9 = (B8 - B8 * X) + U9 = (98 - 78.4) + 54.6 = 742,000;

[0142] N9 = N8 - U9 = 182 - 54.6 = 1,274,000.

[0143] In operation S312, the automatic replenishment trigger ratio is used, which may include: calculating the estimated chunk value according to 30% of the remaining amount of one chunk. If it exceeds the upper limit L1 of the chunk credit limit, replenish the consumed chunk amount at this time. If it is between the upper limit L1 and the lower limit L2 of the chunk credit limit, perform chunking according to the calculated value. If it is lower than the lower limit L2 of the chunk credit limit, no chunking is performed.

[0144] Among them, the used amount = B9 * X = 74.2 * 80% = 593,600;

[0145] U10 = N9 * P = 127.4 * 30% = 382,200 < L1 - 1,000,000 = 382,200;

[0146] B10 = (B9 - B9 * X) + U10 = (74.2 - 59.36) + 38.22 = 53.06;

[0147] N10 = N9 - U10 = 127.4 - 38.22 = 891,800.

[0148] In operation S313, the automatic replenishment trigger ratio is used, which may include: calculating the estimated chunk value according to 30% of the remaining amount of a single chunk. If it exceeds the upper limit L1 of the chunk credit limit, the consumed chunk amount is replenished. If it is between the upper limit L1 and the lower limit L2 of the chunk credit limit, it is chunked according to the calculated value. If it is lower than the lower limit L2 of the chunk credit limit, no chunking is performed.

[0149] Among them, the used amount = B10 * X = 53.06 * 80% = 424,500;

[0150] U11 = N10 * P = 891,800 * 30% = 267,300 < L2 (300,000). Since it is lower than the lower limit L2 of the chunk credit limit, no chunking is performed.

[0151] In operation S314, when the remaining amount of a single credit chunk of a customer is too small and automatic chunking stops, the financial market trading management system automatically releases the remaining secondary credit chunk, and does not use the automatic secondary credit chunk function for this counterparty within the day.

[0152] Figure 3 Schematically shows the overall framework diagram of secondary credit chunking according to an embodiment of the present disclosure.

[0153] As Figure 3 shown, the credit management system 310 may include a primary credit chunk quota management system 311 for resource allocation. The primary credit chunk quota management system 311 may include a secondary credit chunk quota management system 3111, a secondary credit chunk quota management system 3112, a secondary credit chunk quota management system 3113, and a secondary credit chunk quota management system 3114. The resource allocation method in this embodiment can be applied to any one of the secondary credit chunk quota management systems for resource allocation.

[0154] Figure 4 Schematically shows the schematic diagram of credit usage in the transaction process according to an embodiment of the present disclosure.

[0155] As Figure 4As shown, the secondary credit block quota management system 410 can pre-occupy the credit line in the primary credit block quota management system 420 after the transaction check, and the primary credit block quota management system 420 can return the pre-occupied primary credit block quota number to the secondary credit block quota management system 410. When the transaction is completed, the secondary credit block quota management system 410 can flow the transaction elements into the primary credit block quota management system 420, and the primary credit block quota management system 420 converts the pre-occupied credit line into the actual credit line. The actual credit line and pre-occupied credit line in the primary credit block quota management system 420 are also updated (increased or decreased) accordingly with the actual transaction results.

[0156] Figure 5 The schematic diagram of the secondary credit block dynamic allocation process according to the embodiment of the present disclosure is shown schematically.

[0157] like Figure 5 As shown, in operation S510, when the secondary credit block amount is used up to the secondary credit block supplement trigger ratio (trigger condition data); in operation S520, secondary block is cut according to the product of the remaining amount of the primary credit block and the block ratio (allocation ratio data); in operation S530, it is determined whether the above product exceeds the upper limit of the block credit limit; in operation S531, when the above product exceeds the upper limit of the block credit limit, it is determined whether the secondary block is the beginning of the day; in operation S5311, when the secondary block is the beginning of the day, it is cut according to the product of the remaining amount of the primary credit block and the block ratio. Perform secondary block cutting; in operation S5312, if the secondary block cutting is not at the beginning of the day, the consumed credit block cutting amount shall be supplemented accordingly; in operation S532, if the above product does not exceed the upper limit of the block credit amount, it can continue to be determined whether the above product exceeds the lower limit of the block credit amount; in operation S5321, if the product does not exceed the lower limit of the block credit amount, perform secondary block cutting according to the product of the remaining amount of the first credit block and the block cutting ratio; in operation S5322, if the product exceeds the lower limit of the block credit amount, no secondary block cutting shall be performed, and the remaining credit of the secondary block shall be released.

[0158] Based on the above resource allocation method, the present disclosure also provides a resource allocation device. Figure 6 The device is described in detail.

[0159] Figure 6 The structure block diagram of the resource allocation device according to the embodiment of the present disclosure is schematically shown.

[0160] like Figure 6 As shown, the resource allocation device of this embodiment includes a resource data request sending module 610, an initial resource allocation data determining module 620 and a target resource allocation result generating module 630.

[0161] The resource data request sending module 610 is used to call the data source access interface and send a resource data request for obtaining resource data to the target data source. In one embodiment, the resource data request sending module 610 can be used to perform the operation S210 described above, which will not be described in detail here.

[0162] The initial resource allocation data determination module 620 is used to receive the target resource data sent by the target data source in response to the resource data request, and determine the initial resource allocation data, wherein the initial resource allocation data includes at least one resource pre-allocation type data. In one embodiment, the initial resource allocation data determination module 620 can be used to perform the operation S220 described above, which will not be repeated here.

[0163] The target resource allocation result generation module 630 is used to allocate the initial resource allocation data based on the preset allocation rule to generate the target resource allocation result, wherein the preset allocation rule is associated with the resource pre-allocation type data, the resource pre-allocation type data includes source data, quota limit data and allocation ratio data, and the resource pre-allocation type data is associated with the source data. In one embodiment, the target resource allocation result generation module 630 can be used to perform the operation S230 described above, which will not be repeated here.

[0164] According to the embodiment of the present disclosure, through the resource data request sending module 610, the initial resource allocation data determining module 620 and the target resource allocation result generating module 630 in the resource allocation device, the initial resource allocation data including a plurality of resource pre-allocation type data can be determined by the target resource data obtained from different data sources, so that the initial resource allocation data can be intelligently allocated twice in real time based on the preset allocation rules and the resource pre-allocation type data, and then the target resource allocation result can be obtained. Since the target resource allocation result is to realize the advance pre-allocation of the target resource through the secondary dynamic allocation, the time spent on the detection link in the resource allocation control is shortened, the resource consumption in the detection process is saved, and the real-time and efficiency of resource allocation are further satisfied.

[0165] According to an embodiment of the present disclosure, the device further includes: a target resource occupancy result generating module, configured to generate a target resource occupancy result based on the target resource allocation result and occupancy data corresponding to the target resource allocation result.

[0166] According to an embodiment of the present disclosure, a target resource allocation result generation module includes: a target resource allocation result generation submodule, which is used to allocate initial resource allocation data according to allocation ratio data, quota limit data and preset classification rules to generate a target resource allocation result.

[0167] According to an embodiment of the present disclosure, the quota restriction data includes first quota restriction data; wherein the target resource allocation result generation submodule includes: a first allocation quota result generation unit, a first quota comparison result generation unit and a target resource allocation result generation unit.

[0168] The first allocation quota result generating unit is used to generate a first allocation quota result according to the initial resource allocation data and the allocation ratio data.

[0169] The first quota comparison result generating unit is used to compare the first allocated quota result with the first quota limit data to generate a first quota comparison result.

[0170] The target resource allocation result generating unit is used to allocate the initial resource allocation data according to the first quota comparison result to generate a target resource allocation result.

[0171] According to an embodiment of the present disclosure, the target resource allocation result includes a first target resource allocation result; wherein, the target resource allocation result generating unit includes: a first target resource allocation result generating subunit, which generates a first target resource allocation result when the first quota comparison result indicates that the first allocation quota result is greater than or equal to the first quota limit data.

[0172] According to an embodiment of the present disclosure, the quota limit data also includes second quota limit data, and the target resource allocation result also includes a second target resource allocation result; wherein the target resource allocation result generation unit also includes: a second target resource allocation result generation subunit, which is used to generate a second target resource allocation result when the first quota comparison result indicates that the first allocation quota result is less than the first quota limit data and satisfies the first allocation condition, wherein the first allocation condition includes the second quota limit data.

[0173] According to an embodiment of the present disclosure, the target resource allocation result also includes a third target resource allocation result; wherein the target resource allocation result generation unit also includes: a third target resource allocation result generation subunit, which is used to generate a third target resource allocation result when the first quota comparison result indicates that the first allocation quota result is less than the first quota limit data and meets the second allocation condition.

[0174] According to an embodiment of the present disclosure, the target resource allocation result also includes a fourth target resource allocation result; wherein the target resource allocation result generation unit also includes: a fourth target resource allocation result generation subunit, which is used to generate a fourth target resource allocation result when the first quota comparison result indicates that the first allocation quota result is less than the first quota limit data.

[0175] According to an embodiment of the present disclosure, the resource pre-allocation type data also includes trigger condition data, and the trigger condition data is associated with the quota limit data and the allocation ratio data; wherein, the device also includes: a resource allocation operation execution module, which is used to execute the resource allocation operation when the target resource occupancy result represents that the trigger condition data is greater than or equal to a preset trigger threshold.

[0176] According to an embodiment of the present disclosure, any multiple modules among the resource data request sending module 610, the initial resource allocation data determination module 620 and the target resource allocation result generation module 630 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the resource data request sending module 610, the initial resource allocation data determination module 620 and the target resource allocation result generation module 630 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation modes of software, hardware and firmware or in a suitable combination of any of them. Alternatively, at least one of the resource data request sending module 610, the initial resource allocation data determining module 620 and the target resource allocation result generating module 630 may be at least partially implemented as a computer program module, which may perform corresponding functions when executed.

[0177] Figure 7 A block diagram of an electronic device suitable for implementing a resource allocation method according to an embodiment of the present disclosure is schematically shown.

[0178] like Figure 7 As shown, the electronic device according to the embodiment of the present disclosure includes a processor 701, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 702 or the program loaded from the storage part 707 to the random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (such as a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (for example, an application-specific integrated circuit (ASIC)), etc. The processor 701 may also include an onboard memory for caching purposes. The processor 701 may include a single processing unit or multiple processing units for performing different actions of the method flow according to the embodiment of the present disclosure.

[0179] In RAM 703, various programs and data required for the operation of electronic device 700 are stored. Processor 701, ROM 702 and RAM 703 are connected to each other via bus 704. Processor 701 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 702 and / or RAM 703. It should be noted that the program can also be stored in one or more memories other than ROM 702 and RAM 703. Processor 701 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0180] According to an embodiment of the present disclosure, the electronic device 700 may further include an input / output (I / O) interface 705, which is also connected to the bus 704. The electronic device 700 may further include one or more of the following components connected to the input / output (I / O) interface 705: an input portion 706 including a keyboard, a mouse, etc.; an output portion 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 708 including a hard disk, etc.; and a communication portion 709 including a network interface card such as a LAN card, a modem, etc. The communication portion 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the input / output (I / O) interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed, so that a computer program read therefrom is installed into the storage portion 708 as needed.

[0181] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0182] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 702 and / or RAM 703 described above and / or one or more memories other than ROM 702 and RAM 703.

[0183] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the resource allocation method provided by the embodiment of the present disclosure.

[0184] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 701. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0185] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 709, and / or installed from the removable medium 711. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0186] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 709, and / or installed from the removable medium 711. When the computer program is executed by the processor 701, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0187] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0188] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0189] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0190] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A resource allocation method, characterized in that: The method comprises: Calling the data source access interface to send a resource data request to the target data source for obtaining resource data; receiving target resource data sent by the target data source in response to the resource data request, and determining initial resource allocation data, wherein the initial resource allocation data includes at least one resource pre-allocation type data; and The initial resource allocation data is allocated based on preset allocation rules to generate a target resource allocation result, wherein the preset allocation rules are associated with the resource pre-allocation type data, the resource pre-allocation type data includes source data, quota limit data and allocation ratio data, and the resource pre-allocation type data is associated with the source data.

2. The method according to claim 1, characterized in that: The method further comprises: A target resource occupancy result is generated based on the target resource allocation result and the occupancy data corresponding to the target resource allocation result.

3. The method according to claim 1, characterized in that: The allocating the initial resource allocation data based on a preset allocation rule to generate a target resource allocation result includes: The initial resource allocation data is allocated according to the allocation ratio data, the quota limit data and the preset classification rule to generate the target resource allocation result.

4. The method according to claim 3, characterized in that The credit limit data includes first credit limit data; The allocating the initial resource allocation data according to the initial resource allocation data, the allocation ratio data, the quota limit data and the preset classification rule to generate the target resource allocation result includes: Generate a first allocation quota result according to the initial resource allocation data and the allocation ratio data; comparing the first allocated quota result with the first quota limit data to generate a first quota comparison result; and The initial resource allocation data is allocated according to the first quota comparison result to generate the target resource allocation result.

5. The method according to claim 4, characterized in that The target resource allocation result includes a first target resource allocation result; The allocating the initial resource allocation data according to the first quota comparison result to generate the target resource allocation result includes: When the first quota comparison result indicates that the first allocated quota result is greater than or equal to the first quota limit data, a first target resource allocation result is generated.

6. The method according to claim 5, characterized in that The quota limit data also includes second quota limit data, and the target resource allocation result also includes a second target resource allocation result; The allocating the initial resource allocation data according to the first quota comparison result to generate the target resource allocation result further includes: When the first quota comparison result indicates that the first allocated quota result is less than the first quota limit data and satisfies a first allocation condition, the second target resource allocation result is generated, wherein the first allocation condition includes the second quota limit data.

7. The method according to claim 6, characterized in that The target resource allocation result also includes a third target resource allocation result; The allocating the initial resource allocation data according to the first quota comparison result to generate the target resource allocation result further includes: When the first quota comparison result indicates that the first allocation quota result is less than the first quota limit data and satisfies the second allocation condition, the third target resource allocation result is generated.

8. The method according to any one of claims 5 to 7, characterized in that The target resource allocation result also includes a fourth target resource allocation result; The allocating the initial resource allocation data according to the first quota comparison result to generate the target resource allocation result further includes: When the first quota comparison result indicates that the first allocation quota result is smaller than the first quota limit data, the fourth target resource allocation result is generated.

9. The method according to claim 2, characterized in that: The resource pre-allocation type data further includes trigger condition data, and the trigger condition data is associated with the quota limit data and the allocation ratio data; Wherein, the method further comprises: When the target resource occupancy result indicates that the trigger condition data is greater than or equal to a preset trigger threshold, a resource allocation operation is performed.

10. A resource allocation device, characterized in that: The device comprises: A resource data request sending module is used to call a data source access interface and send a resource data request for obtaining resource data to a target data source; an initial resource allocation data determining module, configured to receive target resource data sent by the target data source in response to the resource data request, and determine initial resource allocation data, wherein the initial resource allocation data includes at least one resource pre-allocation type data; and A target resource allocation result generation module is used to allocate the initial resource allocation data based on a preset allocation rule to generate a target resource allocation result, wherein the preset allocation rule is associated with the resource pre-allocation type data, the resource pre-allocation type data includes source data, quota limit data and allocation ratio data, and the resource pre-allocation type data is associated with the source data.

11. An electronic device, comprising: one or more processors; a memory for storing one or more computer programs, The method is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 9.

12. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 9 are implemented.

13. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 9 are implemented.

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