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

Abstract

The invention provides a resource allocation method and device, equipment, a medium and a program product, which can be applied to the technical field of resource allocation or the field of financial science and technology. The method comprises the following steps: in response to that a first verification result of to-be-verified account information of a target object is not matched, obtaining the to-be-verified account information and resource allocation contract information corresponding to the target object; wherein the resource allocation contract information comprises target account information and to-be-allocated resource information; generating to-be-confirmed information according to the to-be-verified account information and the target account information; in response to a received confirmation result of the to-be-confirmed information from the target object, verifying the corrected account information corresponding to the confirmation result by calling an account information verification interface, and generating a second verification result; and in response to the fact that the second verification result is matched and the corrected account information is matched with the target account information, allocating a target resource corresponding to the to-be-allocated resource information to a first object corresponding to the target account information.

Description

Technical Field

[0001] The present disclosure relates to the field of resource allocation technology or the field of financial technology, and more specifically to a resource allocation method, device, equipment, medium and program product. Background Art

[0002] In many resource allocation scenarios, it is necessary to sign a resource allocation contract and collect account information for resource allocation. However, there is a problem that the allocated resources cannot be smoothly distributed due to incomplete or incorrect account information. The account information needs to be verified again on site, which leads to slow resource allocation and low efficiency. Summary of the invention

[0003] In view of the above problems, the present disclosure provides a resource allocation method, apparatus, device, medium and program product.

[0004] According to a first aspect of the present disclosure, a resource allocation method is provided, comprising: in response to a first verification result of account information to be verified of a target object being mismatched, obtaining the account information to be verified and resource allocation contract information corresponding to the target object; wherein the resource allocation contract information comprises the target account information and resource information to be allocated; generating information to be confirmed based on the account information to be verified and the target account information; in response to a confirmation result of the target object on the information to be confirmed received, verifying the revised account information corresponding to the confirmation result by calling an account information verification interface to generate a second verification result; and in response to a match being obtained by the second verification result and the revised account information matching the target account information, allocating the target resource corresponding to the resource information to be allocated to the first object corresponding to the target account information.

[0005] According to an embodiment of the present disclosure, the above-mentioned account information to be verified includes the coding identification information of the account to be verified, the name identification information of the account to be verified and the information of the institution to which the account to be verified belongs; the above-mentioned target account information includes the above-mentioned target coding identification information, the target name identification information and the target institution information; the above-mentioned information to be confirmed is generated according to the above-mentioned account information to be verified and the above-mentioned target account information, including, in response to the coding identification information of the above-mentioned account to be verified and the name identification information of the above-mentioned account to be verified not matching, and the coding identification information of the above-mentioned account to be verified and the name identification information of the above-mentioned account to be verified not matching, and the name identification information of the above-mentioned account to be verified and the name identification information of the above-mentioned target not matching, according to the above-mentioned account information to be verified and the above-mentioned target account information , generating first information to be confirmed; in response to the fact that the coding identification information of the account to be verified does not match the name identification information of the account to be verified, and the name identification information of the account to be verified matches the target name identification information, generating second information to be confirmed according to the account information to be verified and the target name identification information; and in response to the fact that the coding identification information of the account to be verified matches the name identification information of the account to be verified, and the coding identification information of the account to be verified, the name identification information of the account to be verified and the institution information of the account to be verified do not match, generating third information to be confirmed according to the institution information to be confirmed corresponding to the coding identification information of the account to be verified and the account information to be verified.

[0006] According to an embodiment of the present disclosure, the third information to be confirmed is generated based on the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified and the account information to be verified, including: obtaining the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified by calling the account information query interface; and generating the third information to be confirmed based on the account information to be verified and the to-be-confirmed institution information.

[0007] According to an embodiment of the present disclosure, the above-mentioned modified account information includes the coded identification information of the modified account, the name information of the modified account and the institution information of the modified account; the above-mentioned verification of the modified account information corresponding to the above-mentioned confirmation result generates a second verification result, including: according to the coded identification information of the above-mentioned modified account, determining from the information storage system the stored name information and the stored institution information corresponding to the coded identification information of the above-mentioned modified account; and matching the name information of the above-mentioned modified account with the above-mentioned stored name information, and the above-mentioned stored institution information with the institution information of the above-mentioned modified account, respectively, to obtain the above-mentioned second verification result.

[0008] According to an embodiment of the present disclosure, the method further includes: in response to the second verification result being a match, and the revised account information not matching the target account information, obtaining the changed account information specified by the target object; verifying the changed account information by calling the account information verification interface to generate a third verification result; and in response to the third verification result being a match, allocating the target resources corresponding to the resource information to be allocated to the second object corresponding to the changed account information.

[0009] According to an embodiment of the present disclosure, the above-mentioned allocating the target resources corresponding to the above-mentioned resource information to be allocated to the first object corresponding to the above-mentioned target account information includes: determining the single allocation resource information according to the predetermined allocation frequency and the above-mentioned resource information to be allocated, wherein the above-mentioned single allocation resource information includes the single allocation date and the single allocation resource amount; and allocating the target resources corresponding to the above-mentioned resource information to be allocated to the above-mentioned first object according to the above-mentioned single allocation date and the above-mentioned single allocation resource amount.

[0010] According to an embodiment of the present disclosure, the method further includes: acquiring an allocation frequency of resources to the first object within a predetermined period; and generating first resource allocation warning information in response to the allocation frequency being greater than a first predetermined threshold.

[0011] According to an embodiment of the present disclosure, the method further includes: acquiring the total amount of resources allocated to the first object within the predetermined period; and generating second resource allocation warning information in response to the total amount of resources being greater than a second predetermined threshold.

[0012] A second aspect of the present disclosure provides a resource allocation device, including: an acquisition module, for acquiring the account information to be verified and the resource allocation contract information corresponding to the target object in response to a first verification result of the account information to be verified of the target object being mismatched; wherein the resource allocation contract information includes the target account information and the resource information to be allocated; a generation module, for generating information to be confirmed based on the account information to be verified and the target account information; a verification module, for verifying the modified account information corresponding to the confirmation result by calling the account information verification interface in response to the confirmation result of the target object received on the information to be confirmed, and generating a second verification result; and an allocation module, for allocating the target resource corresponding to the resource information to be allocated to the first object corresponding to the target account information in response to the second verification result being a match and the modified account information matching the target account information.

[0013] According to an embodiment of the present disclosure, the above-mentioned account information to be verified includes the coding identification information of the account to be verified, the name identification information of the account to be verified and the information of the institution to which the account to be verified belongs; the above-mentioned target account information includes the above-mentioned target coding identification information, the target name identification information and the target institution information; the above-mentioned generation module includes: a first information to be confirmed generation submodule, which is used to generate the first information to be confirmed according to the difference information between the above-mentioned account information to be verified and the above-mentioned target account information in response to the fact that the coding identification information of the above-mentioned account to be verified does not match the name identification information of the above-mentioned account to be verified, and the coding identification information of the above-mentioned account to be verified does not match the above-mentioned target coding identification information, and the name identification information of the above-mentioned account to be verified does not match the above-mentioned target name identification information; the second information to be confirmed a confirmation information generating submodule, for generating second information to be confirmed according to the account information to be verified and the target name identification information in response to the fact that the coded identification information of the account to be verified does not match the name identification information of the account to be verified, and the name identification information of the account to be verified matches the target name identification information; and a third information to be confirmed generating submodule, for generating third information to be confirmed according to the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified and the name identification information of the account to be verified matches, and the coded identification information of the account to be verified, the name identification information of the account to be verified and the institution information of the account to be verified do not match, and the third information to be confirmed is generated according to the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified and the account information to be verified.

[0014] According to an embodiment of the present disclosure, the above-mentioned third information to be confirmed generation submodule includes: an institution information confirmation unit, which is used to obtain the to-be-confirmed institution information corresponding to the coded identification information of the above-mentioned account to be verified by calling the account information query interface; and a third information to be confirmed generation unit, which is used to generate the third information to be confirmed based on the above-mentioned account information to be verified and the above-mentioned institution information to be confirmed.

[0015] According to an embodiment of the present disclosure, the above-mentioned modified account information includes the coded identification information of the modified account, the name information of the modified account and the affiliated institution information of the modified account; the above-mentioned verification module includes: a modified information determination submodule, which is used to determine the stored name information and the stored affiliated institution information corresponding to the coded identification information of the above-mentioned modified account from the information storage system according to the coded identification information of the above-mentioned modified account; and a second verification result generation submodule, which is used to respectively match the name information of the above-mentioned modified account with the above-mentioned stored name information, and the above-mentioned stored affiliated institution information with the affiliated institution information of the above-mentioned modified account, to obtain the above-mentioned second verification result.

[0016] According to an embodiment of the present disclosure, the above-mentioned device also includes: a change information acquisition module, which is used to obtain the changed account information specified by the above-mentioned target object in response to the above-mentioned second verification result being a match, and the above-mentioned revised account information does not match the above-mentioned target account information; a third verification result generation module, which is used to verify the above-mentioned changed account information by calling the above-mentioned account information verification interface to generate a third verification result; and a correction allocation module, which is used to allocate the target resource corresponding to the above-mentioned resource information to be allocated to the second object corresponding to the above-mentioned changed account information in response to the above-mentioned third verification result being a match.

[0017] According to an embodiment of the present disclosure, the above-mentioned device also includes: an allocation frequency acquisition module, used to obtain the allocation frequency of allocating resources to the above-mentioned first object within a predetermined time period; and a warning information generation module, used to generate first resource allocation warning information in response to the above-mentioned allocation frequency being greater than a first predetermined threshold.

[0018] According to an embodiment of the present disclosure, the above-mentioned device also includes: a total resource acquisition module, used to obtain the total amount of resources allocated to the above-mentioned first object within the above-mentioned predetermined time period; and a second resource allocation warning information generation module, used to generate second resource allocation warning information in response to the above-mentioned total resource amount being greater than a second predetermined threshold.

[0019] 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.

[0020] 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.

[0021] 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.

[0022] According to the embodiments of the present disclosure, before allocating resources, the target object's account information to be verified is retrieved for verification. If the verification fails, information to be confirmed is generated and provided to the target object for confirmation and modification. Thereafter, the revised account information of the target object is verified again. If the verification passes and the revised account information of the target object matches the target account information in the resource allocation contract information, the resources are allocated to the corresponding object. This can effectively improve the success rate of resource allocation, solve the problems of low efficiency in manually checking account information and high difficulty and cost in collecting account information, and ensure efficient management and allocation of resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] 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:

[0024] Figure 1 The application scenario diagram of the resource allocation method according to the embodiment of the present disclosure is schematically shown;

[0025] Figure 2 A flowchart of a resource allocation method according to an embodiment of the present disclosure is schematically shown;

[0026] Figure 3 A schematic diagram of information to be confirmed according to an embodiment of the present disclosure is schematically shown;

[0027] Figure 4 A flowchart of generating information to be confirmed according to an embodiment of the present disclosure is schematically shown;

[0028] Figure 5 A flowchart of allocating resources according to an embodiment of the present disclosure is schematically shown;

[0029] Figure 6 A schematic diagram of a structure of a resource allocation device according to an embodiment of the present disclosure is shown; and

[0030] 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

[0031] 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.

[0032] 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.

[0033] 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.

[0034] 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.).

[0035] 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.

[0036] 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.

[0037] In the resource allocation scenario, when the relevant object needs to be relocated from location A to location B, since the target object is occupied, certain resources need to be allocated to the object to which the target object belongs. Generally, relevant staff are required to organize the signing of resource allocation contracts and collect the account information of the relevant objects to allocate resources on time. The aforementioned resource allocation can be a grant, but there is often a problem that the resource allocation cannot be carried out smoothly due to incomplete or incorrect account information. The account information needs to be verified again at the allocation site, resulting in a slow resource allocation speed.

[0038] In view of this, an embodiment of the present disclosure provides a resource allocation method, characterized in that the method includes: in response to a first verification result of the account information to be verified of the target object being mismatched, obtaining the account information to be verified and the resource allocation contract information corresponding to the target object; wherein the resource allocation contract information includes the target account information and the resource information to be allocated; generating information to be confirmed based on the account information to be verified and the target account information; in response to the confirmation result of the target object received on the information to be confirmed, verifying the revised account information corresponding to the confirmation result by calling the account information verification interface to generate a second verification result; and in response to the second verification result being a match, and the revised account information matches the target account information, allocating the target resource corresponding to the resource information to be allocated to the first object corresponding to the target account information.

[0039] It should be noted that the resource allocation method and device determined in the embodiments of the present disclosure can be used in the field of resource allocation technology or the field of financial technology, and can also be used in any field other than the field of resource allocation technology or the field of financial technology. The embodiments of the present disclosure do not limit the application field of the resource allocation method and device.

[0040] Figure 1 The application scenario diagram of the resource allocation method according to the embodiment of the present disclosure is schematically shown.

[0041] like Figure 1 As 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 can use 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 can 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 for example).

[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 1 The 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 the implementation requirements.

[0047] The following will be based on Figure 1 The scene described by Figure 2 to Figure 5 The resource allocation method of the disclosed embodiment is described in detail.

[0048] Figure 2 The flowchart of the resource allocation method according to the embodiment of the present disclosure is schematically shown.

[0049] like Figure 2 As shown, the resource allocation method of this embodiment includes operations S210 to S240.

[0050] In operation S210, in response to a first verification result of the to-be-verified account information of the target object being mismatched, the to-be-verified account information and resource allocation contract information corresponding to the target object are acquired.

[0051] According to an embodiment of the present disclosure, a resource allocation contract may be signed when the real estate of the target object is expropriated. Since the real estate of the target object is expropriated, the expropriator needs to give the expropriated party (the target object) corresponding resources, and thus the resource allocation contract is signed. The resource allocation contract information includes the target account information and the resource information to be allocated.

[0052] According to an embodiment of the present disclosure, the above-mentioned account information to be verified may include the payee's account name, account number, bank, contact number, location, home address and other information.

[0053] According to the embodiment of the present disclosure, the account information to be verified can be input into the platform, and the contact number, location, home address, and name information of the information collector (relevant staff) can also be entered into the above platform.

[0054] According to the embodiment of the present disclosure, relevant staff can manually review whether the account information to be verified and the target account information on the platform match, or can perform automatic review through a computer. The embodiment of the present disclosure does not limit the review method.

[0055] In operation S220, information to be confirmed is generated according to the account information to be verified and the target account information.

[0056] Figure 3 The figure schematically shows a schematic diagram of information to be confirmed according to an embodiment of the present disclosure.

[0057] like Figure 3 As shown, the target account information can be:

[0058] Account number: 111; Account name: AAA

[0059] The account information to be verified can be:

[0060] Account number: 111; Account name: BBB

[0061] The generated information to be confirmed may be, for example:

[0062] It is detected that the account name in the target account information does not match the account name in the account information to be verified, please confirm!

[0063] In operation S230, in response to the received confirmation result of the target object on the information to be confirmed, the modified account information corresponding to the confirmation result is verified by calling the account information verification interface to generate a second verification result.

[0064] According to an embodiment of the present disclosure, the above-mentioned account information verification interface can be an interface of the account network verification system of the relevant institution, and the above-mentioned verification of the corrected account information corresponding to the confirmation result can, for example, be whether the collected account information to be verified matches the account information saved by the relevant institution.

[0065] According to the embodiment of the present disclosure, after the second verification result is generated, it can be divided into two lists according to the second verification result, one is a list where the second verification result is a match, and the other is a list where the second verification result is a mismatch. For the list where the result is a match, the revised account information can be bound to the resource allocation contract information and stored in the blockchain, and the blockchain's non-tamperable, decentralized, and traceable characteristics are used to ensure the authenticity and validity of the data and prevent any person from making changes to the resource allocation contract information and the revised account information; for the list where the result is a mismatch, it can be delivered to relevant staff, and after the relevant staff verifies with the target object, a preliminary check is performed on the above-mentioned platform until the revised account information of the target object matches the target account information in the contract.

[0066] In operation S240 , in response to the second verification result being a match, and the revised account information matches the target account information, the target resource corresponding to the to-be-allocated resource information is allocated to the first object corresponding to the target account information.

[0067] Exemplarily, when the revised account information matches the account information stored by the relevant institution and matches the account information in the resource allocation contract, resources can be allocated to the above account.

[0068] According to the embodiment of the present disclosure, after the resource allocation announcement is completed and the instructions are received, the relevant staff can view the qualified resource allocation contracts on the platform, and at the same time check the revised account information or the account information to be verified. After completion, submit the resource allocation instruction. After approval, the resources will be allocated to the target object, and the resource allocation is completed.

[0069] According to the embodiments of the present disclosure, before disbursing funds, the target object's account information to be verified is retrieved for verification. If the verification fails, information to be confirmed is generated and provided to the target object for confirmation and modification. Thereafter, the revised account information of the target object is verified again. If the verification passes and the revised account information of the target object matches the target account information in the resource allocation contract information, the resources are allocated to the corresponding object. This can effectively improve the success rate of resource allocation, solve the problems of low efficiency in manual investigation of account information and high difficulty and cost in collecting account information, and ensure efficient management and allocation of resources.

[0070] Figure 4 The flowchart of generating information to be confirmed according to an embodiment of the present disclosure is schematically shown.

[0071] like Figure 4 As shown, the process of generating the information to be confirmed includes operations S410 to S470.

[0072] First of all, it should be made clear that the account information to be verified includes the code identification information of the account to be verified, the name identification information of the account to be verified and the institution information of the account to be verified; the target account information includes the target code identification information, the target name identification information and the target institution information.

[0073] In operation S410, it is determined whether the code identification information of the account to be verified matches the name identification information of the account to be verified.

[0074] In operation S420, when the code identification information of the account to be verified does not match the name identification information of the account to be verified, it is determined whether the name identification information of the account to be verified matches the target name identification information.

[0075] In operation S430, if the code identification information of the account to be verified does not match the name identification information of the account to be verified, and the code identification information of the account to be verified does not match the target code identification information, it is determined whether the name identification information of the account to be verified matches the target name identification information.

[0076] In operation S440, when the coding identification information of the account to be verified does not match the name identification information of the account to be verified, and the coding identification information of the account to be verified does not match the target coding identification information, and the name identification information of the account to be verified does not match the target name identification information, first information to be confirmed is generated.

[0077] According to an embodiment of the present disclosure, the first information to be confirmed is generated based on difference information between the account information to be verified and the target account information.

[0078] Exemplarily, for all the account information that does not match the target account information, a first list of information to be confirmed can be generated and filled in again by relevant staff, or the first list of information to be confirmed can be sent to the target object based on his / her mobile phone number for remote modification and confirmation.

[0079] In operation S450, when the code identification information of the account to be verified does not match the name identification information of the account to be verified, and the name identification information of the account to be verified matches the target name identification information, second information to be confirmed is generated.

[0080] According to an embodiment of the present disclosure, the second information to be confirmed is generated based on the account information to be verified and the target name identification information.

[0081] For example, for an account whose account (coding identification information) information and account name (name identification information) do not match, but matches one of the account names in the resource allocation contract (name identification information matches), the contract information can be displayed as a note after the list (generating the second information to be confirmed) to assist relevant staff in confirming with the target object.

[0082] In operation S460, when the code identification information of the account to be verified matches the name identification information of the account to be verified, it is determined whether the code identification information of the verification account, the name identification information of the account to be verified and the institution information of the account to be verified match.

[0083] In operation S470, when the coding identification information of the account to be verified matches the name identification information of the account to be verified, and the coding identification information of the account to be verified, the name identification information of the account to be verified and the institution information of the account to be verified do not match, third information to be confirmed is generated.

[0084] According to an embodiment of the present disclosure, the third information to be confirmed is generated based on the to-be-confirmed institution information and the to-be-verified account information corresponding to the coded identification information of the account to be verified.

[0085] According to an embodiment of the present disclosure, the above-mentioned generation of the third information to be confirmed includes: obtaining the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified by calling the account information query interface; and generating the third information to be confirmed based on the account information to be verified and the to-be-confirmed institution information.

[0086] According to the embodiment of the present disclosure, that is, when the account number (coding identification information) and the account name (name identification information) match, but the opening bank information (affiliated institution information) does not match, the opening bank information (affiliated institution information) that matches the account number (coding identification information) can be queried by calling the interface of the online account verification system of the relevant institution, and the queried coding identification information and affiliated institution information are marked in the list (generating the corresponding third information to be confirmed) and provided to the target object for confirmation.

[0087] According to the embodiments of the present disclosure, by respectively verifying the coded representation information, name representation information and institution information of the account information to be verified with the target coding identification information, target name identification information and target institution information in the target account information, and dividing the situations for processing, it is possible to generate information to be confirmed in a targeted manner, facilitate verification and processing by relevant staff, and further improve the payment efficiency.

[0088] It should be noted that the above-mentioned modified account information may include the coding identification information of the modified account, the name information of the modified account and the institution information of the modified account.

[0089] According to an embodiment of the present disclosure, the above-mentioned verification of the modified account information corresponding to the confirmation result generates a second verification result, including: determining, from the information storage system, based on the coded identification information of the modified account, the stored name information and the stored affiliated institution information corresponding to the coded identification information of the modified account; and matching the name information of the modified account with the stored name information, and the stored affiliated institution information with the affiliated institution information of the modified account, respectively, to obtain the second verification result.

[0090] Exemplarily, based on the coded identification information of the modified account: 111, the name information: AAA and the affiliated organization information: A organization stored in the system can be searched in the information storage system; and matched with the name information: AAA and the affiliated organization information: A organization of the modified account, and the second verification result obtained is a match.

[0091] Optionally, the above method may also include: in response to the second verification result being a match, and the revised account information does not match the target account information, obtaining the changed account information specified by the target object; verifying the changed account information by calling the account information verification interface to generate a third verification result; and in response to the third verification result being a match, allocating the target resources corresponding to the resource information to be allocated to the second object corresponding to the changed account information.

[0092] Exemplarily, when the second verification result is a match, that is, the account (coding identification information), account name (name identification information), and opening bank (affiliated institution information) all match, the revised account information and the target account information in the resource allocation contract do not match. It is possible that the household owner left his or her own target account information when signing the resource allocation contract, but changed the designated payment account when revising the data, that is, the payment account collected may be a non-householder's payment account. In this case, a list can be generated for confirmation with the household owner, and the revised account information can be verified based on the revised account (coding identification information) confirmed by the household owner. If it matches, the target resources corresponding to the above-mentioned resource information to be allocated are allocated to the account.

[0093] According to the embodiment of the present disclosure, through multiple confirmations, when the second verification result is a match, it is checked whether the revised account information matches the target account in the resource allocation contract, and multiple confirmations are performed with the target object, thereby avoiding the problem of being unable to allocate resources due to account mismatch, and supporting the household owner to modify the account information (coded identification information).

[0094] Figure 5 The flowchart of allocating resources according to an embodiment of the present disclosure is schematically shown.

[0095] like Figure 5As shown, the process of allocating resources includes operations S510 to S560.

[0096] In operation S510, single allocation resource information is determined according to a predetermined allocation frequency and information of resources to be allocated.

[0097] The single allocation resource information includes the single allocation date and the single allocation resource amount.

[0098] In operation S520, target resources corresponding to the to-be-allocated resource information are allocated to the first object according to the single allocation date and the single allocation resource amount.

[0099] According to the embodiment of the present disclosure, in order to avoid the possibility of abnormal problems caused by the allocation of a large amount of resources to the same account, a single allocation amount of resources can be set, and only resources within the single allocation amount can be allocated in one day.

[0100] In operation S530, an allocation frequency of resources allocated to the first object within a predetermined period of time is acquired.

[0101] In operation S540, it is determined whether the allocation frequency is greater than a first predetermined threshold.

[0102] In operation S550, when the allocation frequency is greater than a first predetermined threshold, first resource allocation warning information is generated.

[0103] In operation S560, a total amount of resources allocated to the first object within a predetermined period of time is acquired.

[0104] In operation S570, it is determined whether the total amount of resources is greater than a second predetermined threshold.

[0105] In operation S580, when the total amount of resources is greater than the second predetermined threshold, second resource allocation warning information is generated.

[0106] According to the embodiment of the present disclosure, a dual threshold may be set to determine whether there is an abnormality in the allocation of resources to the target object.

[0107] Exemplarily, when the frequency of resource allocation to the target object exceeds a first predetermined threshold, it is determined that the account may be abnormal; the total amount of resources collected by the target object may also be obtained, and when it exceeds a second predetermined threshold, it is determined that the account may be abnormal.

[0108] According to the embodiments of the present disclosure, by setting a single allocation date and a single resource allocation amount for the target object's account, it is possible to avoid allocating a large amount of resources to the same account and reduce the occurrence of abnormal resource allocation situations; by monitoring the allocation frequency and the total amount of resources, it is possible to effectively monitor and warn of abnormal resource allocation situations in the target object's account, and manage the account in a timely manner.

[0109] Based on the above resource allocation method, the present disclosure also provides a resource allocation device. Figure 6 The device is described in detail.

[0110] Figure 6 The structure block diagram of the resource allocation device according to the embodiment of the present disclosure is schematically shown.

[0111] like Figure 6 As shown, the resource allocation device 600 of this embodiment includes an acquisition module 610 , a generation module 620 , a verification module 630 and an allocation module 640 .

[0112] The acquisition module 610 is used to obtain the account information to be verified and the resource allocation contract information corresponding to the target object in response to the first verification result of the account information to be verified of the target object being mismatched; wherein the resource allocation contract information includes the target account information and the resource information to be allocated. In one embodiment, the acquisition module 610 can be used to perform the operation S210 described above, which will not be repeated here.

[0113] The generating module 620 is used to generate the information to be confirmed according to the account information to be verified and the target account information. In one embodiment, the generating module 620 can be used to perform the operation S220 described above, which will not be described in detail here.

[0114] The verification module 630 is used to verify the modified account information corresponding to the confirmation result by calling the account information verification interface in response to the confirmation result of the target object to generate a second verification result. In one embodiment, the verification module 630 can be used to perform the operation S230 described above, which will not be repeated here.

[0115] The allocation module 640 is configured to allocate the target resource corresponding to the resource information to be allocated to the first object corresponding to the target account information in response to the second verification result being a match and the modified account information matching the target account information. In one embodiment, the allocation module 640 may be configured to perform the operation S240 described above, which will not be described in detail herein.

[0116] According to an embodiment of the present disclosure, the above-mentioned account information to be verified includes the coding identification information of the account to be verified, the name identification information of the account to be verified and the information of the institution to which the account to be verified belongs; the above-mentioned target account information includes the above-mentioned target coding identification information, the target name identification information and the target institution information; the above-mentioned generation module includes: a first information to be confirmed generation submodule, which is used to generate the first information to be confirmed according to the difference information between the above-mentioned account information to be verified and the above-mentioned target account information in response to the fact that the coding identification information of the above-mentioned account to be verified does not match the name identification information of the above-mentioned account to be verified, and the coding identification information of the above-mentioned account to be verified does not match the above-mentioned target coding identification information, and the name identification information of the above-mentioned account to be verified does not match the above-mentioned target name identification information; the second information to be confirmed a confirmation information generating submodule, for generating second information to be confirmed according to the account information to be verified and the target name identification information in response to the fact that the coded identification information of the account to be verified does not match the name identification information of the account to be verified, and the name identification information of the account to be verified matches the target name identification information; and a third information to be confirmed generating submodule, for generating third information to be confirmed according to the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified and the name identification information of the account to be verified matches, and the coded identification information of the account to be verified, the name identification information of the account to be verified and the institution information of the account to be verified do not match, and the third information to be confirmed is generated according to the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified and the account information to be verified.

[0117] According to an embodiment of the present disclosure, the above-mentioned third information to be confirmed generation submodule includes: an institution information confirmation unit, which is used to obtain the to-be-confirmed institution information corresponding to the coded identification information of the above-mentioned account to be verified by calling the account information query interface; and a third information to be confirmed generation unit, which is used to generate the third information to be confirmed based on the above-mentioned account information to be verified and the above-mentioned institution information to be confirmed.

[0118] According to an embodiment of the present disclosure, the above-mentioned modified account information includes the coded identification information of the modified account, the name information of the modified account and the affiliated institution information of the modified account; the above-mentioned verification module includes: a modified information determination submodule, which is used to determine the stored name information and the stored affiliated institution information corresponding to the coded identification information of the above-mentioned modified account from the information storage system according to the coded identification information of the above-mentioned modified account; and a second verification result generation submodule, which is used to respectively match the name information of the above-mentioned modified account with the above-mentioned stored name information, and the above-mentioned stored affiliated institution information with the affiliated institution information of the above-mentioned modified account, to obtain the above-mentioned second verification result.

[0119] According to an embodiment of the present disclosure, the above-mentioned device also includes: a change information acquisition module, which is used to obtain the changed account information specified by the above-mentioned target object in response to the above-mentioned second verification result being a match, and the above-mentioned revised account information does not match the above-mentioned target account information; a third verification result generation module, which is used to verify the above-mentioned changed account information by calling the above-mentioned account information verification interface to generate a third verification result; and a correction allocation module, which is used to allocate the target resource corresponding to the above-mentioned resource information to be allocated to the second object corresponding to the above-mentioned changed account information in response to the above-mentioned third verification result being a match.

[0120] According to an embodiment of the present disclosure, the above-mentioned device also includes: an allocation frequency acquisition module, used to obtain the allocation frequency of allocating resources to the above-mentioned first object within a predetermined time period; and a warning information generation module, used to generate first resource allocation warning information in response to the above-mentioned allocation frequency being greater than a first predetermined threshold.

[0121] According to an embodiment of the present disclosure, the above-mentioned device also includes: a total resource acquisition module, used to obtain the total amount of resources allocated to the above-mentioned first object within the above-mentioned predetermined time period; and a second resource allocation warning information generation module, used to generate second resource allocation warning information in response to the above-mentioned total resource amount being greater than a second predetermined threshold.

[0122] According to an embodiment of the present disclosure, any multiple modules of the acquisition module 610, the generation module 620, the verification module 630 and the allocation module 640 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 acquisition module 610, the generation module 620, the verification module 630 and the allocation module 640 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 any appropriate combination of any of them. Alternatively, at least one of the acquisition module 610, the generation module 620, the verification module 630 and the allocation module 640 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be performed.

[0123] 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.

[0124] like Figure 7 As shown, the electronic device 700 according to an embodiment of the present disclosure includes a processor 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage part 708 into a random access memory (RAM) 703. The processor 701 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., 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 an embodiment of the present disclosure.

[0125] 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.

[0126] 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 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 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.

[0127] 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.

[0128] 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.

[0129] 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.

[0130] 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.

[0131] 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.

[0132] 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.

[0133] 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).

[0134] 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.

[0135] 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.

[0136] 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: In response to a first verification result of the to-be-verified account information of the target object being mismatched, acquiring the to-be-verified account information and resource allocation contract information corresponding to the target object; wherein the resource allocation contract information includes the target account information and the to-be-allocated resource information; Generate information to be confirmed based on the account information to be verified and the target account information; In response to the received confirmation result of the target object on the information to be confirmed, verifying the modified account information corresponding to the confirmation result by calling the account information verification interface to generate a second verification result; and In response to the second verification result being a match, and the modified account information matches the target account information, the target resource corresponding to the to-be-allocated resource information is allocated to the first object corresponding to the target account information.

2. The method according to claim 1, characterized in that The account information to be verified includes the code identification information of the account to be verified, the name identification information of the account to be verified and the information of the institution to which the account to be verified belongs; the target account information includes the target code identification information, the target name identification information and the target institution information; The generating the information to be confirmed according to the account information to be verified and the target account information includes: In response to the code identification information of the account to be verified not matching the name identification information of the account to be verified, and the code identification information of the account to be verified not matching the target code identification information, and the name identification information of the account to be verified not matching the target name identification information, generating first information to be confirmed according to difference information between the account information to be verified and the target account information; In response to the code identification information of the account to be verified not matching the name identification information of the account to be verified, and the name identification information of the account to be verified matching the target name identification information, generating second to-be-confirmed information according to the account information to be verified and the target name identification information; and In response to the coding identification information of the account to be verified matching the name identification information of the account to be verified, and the coding identification information of the account to be verified, the name identification information of the account to be verified and the institution information of the account to be verified do not match, third information to be confirmed is generated based on the institution information to be confirmed corresponding to the coding identification information of the account to be verified and the account information to be verified.

3. The method according to claim 2, characterized in that The generating the third information to be confirmed according to the to-be-confirmed institution information corresponding to the coded identification information of the to-be-confirmed account and the to-be-confirmed account information comprises: By calling the account information query interface, obtaining the to-be-confirmed institution information corresponding to the coded identification information of the account to be verified; and The third information to be confirmed is generated according to the account information to be verified and the institution information to be confirmed.

4. The method according to claim 1, characterized in that: The modified account information includes the coded identification information of the modified account, the name information of the modified account and the information of the institution to which the modified account belongs; The verifying the modified account information corresponding to the confirmation result to generate a second verification result includes: According to the coded identification information of the modified account, determining the stored name information and the stored affiliated institution information corresponding to the coded identification information of the modified account from the information storage system; as well as The name information of the modified account is matched with the stored name information, and the stored affiliated institution information is matched with the affiliated institution information of the modified account to obtain the second verification result.

5. The method according to claim 1, characterized in that The method further comprises: In response to the second verification result being a match, and the revised account information does not match the target account information, acquiring the changed account information specified by the target object; By calling the account information verification interface, verifying the changed account information to generate a third verification result; and In response to the third verification result being a match, the target resource corresponding to the to-be-allocated resource information is allocated to the second object corresponding to the changed account information.

6. The method according to claim 1, characterized in that The allocating the target resource corresponding to the to-be-allocated resource information to the first object corresponding to the target account information includes: Determining single allocation resource information according to the predetermined allocation frequency and the to-be-allocated resource information, wherein the single allocation resource information includes a single allocation date and a single allocation resource amount; and According to the single allocation date and the single allocation resource amount, the target resource corresponding to the to-be-allocated resource information is allocated to the first object.

7. The method according to claim 6, characterized in that The method further comprises: Acquire an allocation frequency of resources to the first object within a predetermined period; and In response to the allocation frequency being greater than a first predetermined threshold, first resource allocation warning information is generated.

8. The method according to claim 7, characterized in that The method further comprises: Acquire the total amount of resources allocated to the first object within the predetermined period; and In response to the total amount of resources being greater than a second predetermined threshold, second resource allocation warning information is generated.

9. A resource allocation device, characterized in that: The device comprises: an acquisition module, configured to acquire the account information to be verified and resource allocation contract information corresponding to the target object in response to a first verification result of the account information to be verified of the target object being mismatched; wherein the resource allocation contract information includes the target account information and the resource information to be allocated; A generating module, used for generating information to be confirmed according to the account information to be verified and the target account information; a verification module, configured to, in response to the received confirmation result of the target object on the information to be confirmed, verify the modified account information corresponding to the confirmation result by calling the account information verification interface to generate a second verification result; and An allocation module is configured to allocate a target resource corresponding to the to-be-allocated resource information to a first object corresponding to the target account information in response to the second verification result being a match and the modified account information matching the target account information.

10. 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 8.

11. 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 8 are implemented.

12. 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 8 are implemented.

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