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

Abstract

The present disclosure provides a resource allocation method, device, equipment, medium and program product, which can be applied to the technical field of resource allocation or the field of financial technology. The above method comprises: in response to a first verification result of to-be-verified account information of a target object being mismatched, 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 confirmation result of the to-be-confirmed information received by the target object, verifying modified account information corresponding to the confirmation result by calling an account information verification interface to generate a second verification result; and in response to the second verification result being matched and the modified account information matching the target account information, allocating target resources 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 financial technology, and more specifically to a resource allocation method, apparatus, device, 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 the target object's account information to be verified being a mismatch, obtaining the account information to be verified and 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 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 in the second verification result, 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.

[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 information of the institution to which the target belongs; the above-mentioned information to be confirmed is generated based on the above-mentioned account information to be verified and the above-mentioned target account information, including generating the information to be confirmed 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 target coding identification information, and the name identification information of the above-mentioned account to be verified does not match the target name identification information, 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 above-mentioned generation of the third information to be confirmed based on the to-be-confirmed institution information corresponding to the coded identification information of the above-mentioned account to be verified and the above-mentioned account information to be verified includes: obtaining 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 generating the third information to be confirmed based on the above-mentioned account information to be verified and the above-mentioned to-be-confirmed institution information.

[0007] According to an embodiment of the present disclosure, the above-mentioned modified account information includes the coding 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 coding identification information of the above-mentioned modified account, determining the stored name information and the stored institution information corresponding to the coding identification information of the above-mentioned modified account from the information storage system; 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 above method also includes: in response to the above second verification result being a match, and the above revised account information does not match the above target account information, obtaining the changed account information specified by the above target object; by calling the above account information verification interface, verifying the above changed account information to generate a third verification result; and in response to the above third verification result being a match, allocating the target resource corresponding to the above resource information to be allocated to the second object corresponding to the above 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 based on 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: obtaining 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: obtaining 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, comprising: an acquisition module for acquiring, in response to a first verification result of the target object's account information to be verified being a mismatch, 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; 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 revised account information corresponding to the confirmation result by calling an account information verification interface in response to a 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 a match in the second verification result and the revised 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 information of the institution to which the target belongs; the above-mentioned generation module includes: a first information to be confirmed generation submodule, for generating 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; a second information to be confirmed a confirmation information generating submodule for generating, 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, a second to-be-confirmed information is generated according to the account information to be verified and the target name identification information; and a third to-be-confirmed information generating submodule for generating, 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 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, a third to-be-confirmed information 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 to-be-confirmed information generation unit, which is used to generate the third to-be-confirmed information 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 corrected account information includes the coding identification information of the corrected account, the name information of the corrected account and the affiliated institution information of the corrected account; the above-mentioned verification module includes: a correction information determination submodule, which is used to determine the stored name information and the stored affiliated institution information corresponding to the coding identification information of the above-mentioned corrected account from the information storage system based on the coding identification information of the above-mentioned corrected account; and a second verification result generation submodule, which is used to respectively match the name information of the above-mentioned corrected 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 corrected 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 not matching 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 computer program or instructions are executed by a processor.

[0021] The fifth aspect of the present disclosure further provides a computer program product, comprising a computer program or instructions, which implement the steps of the above method when executed by a processor.

[0022] According to the embodiment of the present disclosure, before allocating resources, the target object's account information to be verified is retrieved for verification. If the verification fails, the 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 account information checking 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 following schematically shows an application scenario diagram of the resource allocation method according to an embodiment of the present disclosure;

[0025] Figure 2 The following schematically shows a flow chart of a resource allocation method according to an embodiment of the present disclosure;

[0026] Figure 3 Schematically shows a schematic diagram of information to be confirmed according to an embodiment of the present disclosure;

[0027] Figure 4 Schematically shows a flow chart of generating information to be confirmed according to an embodiment of the present disclosure;

[0028] Figure 5 Schematically shows a flow chart of allocating resources according to an embodiment of the present disclosure;

[0029] Figure 6 Schematically shows a structural block diagram of a resource allocation device according to an embodiment of the present disclosure; and

[0030] Figure 7 The block diagram schematically shows an electronic device suitable for implementing the resource allocation method according to an embodiment of the present disclosure. 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 merely exemplary and are not intended to limit the scope of the present disclosure. In the detailed description below, 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 well-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 presence of the features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0033] All terms used herein (including technical and scientific terms) 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 expressions such as "at least one of A, B and C, etc." are used, they should generally be interpreted in accordance with 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 disclosed herein, the user information involved (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.) 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 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 scenarios where personal information is used for automated decision-making, the methods, devices, and systems provided by the embodiments of the present disclosure all provide users with corresponding operation portals for them 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 an individual'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 a resource allocation scenario, when a 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 a resource allocation contract and collect the account information of the relevant object to allocate resources on time. The aforementioned resource allocation can be a grant, for example, but there is often a problem of incomplete or incorrect account information leading to the inability to smoothly allocate resources. The account information needs to be verified again at the allocation site, resulting in a slower 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 target object's account information to be verified being a mismatch, 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 received confirmation result of the target object 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 following schematically illustrates an application scenario of the resource allocation method according to an embodiment of the present disclosure.

[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 as a medium for providing 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 or wireless communication links or optical fiber cables.

[0042] The user may use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 via 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 (for example only) that supports 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 received user requests and other data, and feed back processing results (e.g., web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[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 apparatus 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 apparatus 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 merely illustrative. Any number of terminal devices, networks and servers may be provided as required.

[0047] The following will be based on Figure 1 The scene described by Figures 2 to 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 embodiments of the present disclosure, a resource allocation contract can be signed when a target entity's real estate is expropriated. Due to the expropriation of the target entity's real estate, the expropriator must provide the expropriated entity (the target entity) with corresponding resources, thereby signing a resource allocation contract. The resource allocation contract information includes the target account information and information about the resources 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, place of residence, 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 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 they 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 based on the account information to be verified and the target account information.

[0056] Figure 3 The figure schematically shows 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 of 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 be, for example, whether the collected account information to be verified matches the account information saved by the relevant institution.

[0065] According to an 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. The blockchain's tamper-proof, decentralized, and traceable characteristics are used to ensure the authenticity and validity of the data and prevent anyone 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. 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 is complete, and then 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 embodiment of the present disclosure, before allocating funds, the target object's account information to be verified is retrieved for verification. If the verification fails, the 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 account information checking 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 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 , if 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] For example, for all the account information that does not match the target account information, a first list of information to be confirmed can be generated for relevant staff to fill in again, or the first list of information to be confirmed can be sent to the target person based on his or her mobile phone number for remote modification and confirmation.

[0079] In operation S450 , 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 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 a second pending confirmation information) to assist relevant staff in confirming with the target object.

[0082] In operation S460, if 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 to-be-verified account.

[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 account network 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 embodiment of the present disclosure, by respectively verifying the coding 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 different 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 information of the institution to which the modified account belongs.

[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 the stored name information and the stored affiliated organization information corresponding to the coded identification information of the modified account from the information storage system based on 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 organization information with the affiliated organization information of the modified account, respectively, to obtain the second verification result.

[0090] For example, 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; 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, allocating the target resources corresponding to the resource information to be allocated to the second object corresponding to the changed account information.

[0092] For example, 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 collection account when revising the data, that is, the collection account may not be that of the household owner. 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, the revised account information is checked to see whether it 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 an embodiment of the present disclosure, in order to avoid the possibility of abnormal problems when a large amount of resources are allocated 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 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 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 a second predetermined threshold, second resource allocation warning information is generated.

[0106] According to an embodiment of the present disclosure, a dual threshold may be set to determine whether there is an abnormality in the allocation of resources to a 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 can 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 an 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] Acquisition module 610 is configured to, in response to a first verification result of the target object's to-be-verified account information being mismatched, acquire the to-be-verified account information and resource allocation contract information corresponding to the target object; the resource allocation contract information includes the target account information and the to-be-allocated resource information. In one embodiment, acquisition module 610 may be configured to perform operation S210 described above and will not be further described herein.

[0113] The generating module 620 is configured to generate information to be confirmed based on the account information to be verified and the target account information. In one embodiment, the generating module 620 may be configured to execute the operation S220 described above, which will not be described in detail herein.

[0114] Verification module 630 is configured to, in response to the target object's confirmation result regarding the to-be-confirmed information, verify the revised account information corresponding to the confirmation result by invoking an account information verification interface to generate a second verification result. In one embodiment, verification module 630 may be configured to perform operation S230 described above, which will not be further described herein.

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

[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 information of the institution to which the target belongs; the above-mentioned generation module includes: a first information to be confirmed generation submodule, for generating 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; a second information to be confirmed a confirmation information generating submodule for generating, 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, a second to-be-confirmed information is generated according to the account information to be verified and the target name identification information; and a third to-be-confirmed information generating submodule for generating, 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 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, a third to-be-confirmed information 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 to-be-confirmed information generation unit, which is used to generate the third to-be-confirmed information 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 corrected account information includes the coding identification information of the corrected account, the name information of the corrected account and the affiliated institution information of the corrected account; the above-mentioned verification module includes: a correction information determination submodule, which is used to determine the stored name information and the stored affiliated institution information corresponding to the coding identification information of the above-mentioned corrected account from the information storage system based on the coding identification information of the above-mentioned corrected account; and a second verification result generation submodule, which is used to respectively match the name information of the above-mentioned corrected 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 corrected 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 not matching 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 among the acquisition module 610, the generation module 620, the verification module 630, and the allocation module 640 can be combined into 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 method of integrating or packaging the circuit, or implemented in any one of the three implementation methods of software, hardware, and firmware, or in an 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, which can perform the corresponding function when the computer program module is executed.

[0123] Figure 7 The block diagram schematically shows an electronic device suitable for implementing the resource allocation method according to an embodiment of the present disclosure.

[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, for example, include 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] Various programs and data required for the operation of the electronic device 700 are stored in the RAM 703. The processor 701, ROM 702, and RAM 703 are connected to each other via a bus 704. The processor 701 executes the various operations of the method flow according to the embodiment of the present disclosure by executing the programs in the ROM 702 and / or RAM 703. It should be noted that the programs may also be stored in one or more memories other than the ROM 702 and RAM 703. The processor 701 may also execute the various operations of the method flow according to the embodiment of the present disclosure by executing the programs 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 devices such as a cathode ray tube (CRT), a liquid crystal display (LCD), and a speaker; a storage portion 708 including a hard disk; and a communication portion 709 including a network interface card such as a LAN card or a modem. 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 in the drive 710 as needed, so that a computer program read therefrom can be 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 and not be incorporated into the device / apparatus / system. The computer-readable storage medium carries one or more programs, and when executed, implements the method according to the embodiments of the present disclosure.

[0128] According to an embodiment of the present disclosure, a computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, it 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 thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, apparatus, or 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 embodiments of the present disclosure also include a computer program product, which includes a computer program containing 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 embodiments of the present disclosure.

[0130] The computer program executes the above functions defined in the system / device of the embodiment of the present disclosure when the processor 701 executes the computer program. 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 be stored on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may be transmitted and distributed in the form of a signal on a network medium, downloaded and installed via the communication portion 709, and / or installed from a 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, or any suitable combination thereof.

[0132] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 709, and / or installed from a removable medium 711. When the computer program is executed by the processor 701, the above-described functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the systems, devices, means, modules, units, etc. described above can be implemented by computer program modules.

[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 computer programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, python, "C" or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving 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 via the Internet).

[0134] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation 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 flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that 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 flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0135] Those skilled in the art will appreciate that the features described in the various embodiments and / or claims of this disclosure may be combined and / or coupled in various ways, even if such combinations and / or couplings are not explicitly described in this disclosure. In particular, the features described in the various embodiments and / or claims of this disclosure may be combined and / or coupled in various ways without departing from the spirit and teachings of this disclosure. All such combinations and / or couplings are intended to fall within the scope of this disclosure.

[0136] The embodiments of the present disclosure are described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although each embodiment has been described separately above, this does not mean that the measures in each embodiment cannot be used in combination to advantage. The scope of the present disclosure is defined by the appended claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make various 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 target object's account information to be verified 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 includes the target account information and the resource information to be allocated; 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 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 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.

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 of information to be confirmed based on 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, 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 based on 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 information to be confirmed based on the account to be verified information 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 third information to be confirmed based on 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 includes: 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, wherein The modified account information includes the coding 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; 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 institution information is matched with the institution information of the modified account to obtain the second verification result.

5. The method according to claim 1, wherein The method further comprises: 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, 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: Obtaining an allocation frequency of resources allocated 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: Obtaining the total amount of resources allocated to the first object within the predetermined time 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, in response to a first verification result of the target object's to-be-verified account information being mismatched, acquire 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; A generating module, configured to generate information to be confirmed based on the account information to be verified and the target account information; a verification module, configured to, in response to a confirmation result received by the target object on the information to be confirmed, verify the modified account information corresponding to the confirmation result by calling an account information verification interface to generate a second verification result; and An allocation module is configured to allocate the target resource corresponding to the to-be-allocated resource information to the first object corresponding to the target account information in response to the second verification result being a match and the revised 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, It 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.

Images