Entrusted resource borrowing and lending method and device, equipment, storage medium and program product

Abstract

The invention relates to resource lending, and particularly discloses an entrusted resource lending method and device, equipment, a storage medium and a program product. The method comprises the following steps: by obtaining a resource lending contract between a delegation party and a resource revenue party and a transaction type agreed between the delegation party and the resource revenue party, generating a transaction instruction according to a first transaction process corresponding to the transaction type between agent equipment and the resource lending contract and according to the resource lending contract and the transaction type, and sending the transaction instruction to the agent device, wherein the transaction instruction is used for indicating the agent device and the resource revenue device to perform a second transaction process according to the transaction instruction. According to the embodiment of the invention, the entrusting party generates the transaction process and instructs the agent party to execute the corresponding transaction, and the agent party does not obtain the resource debit and credit contract, so that the account isolation between the entrusting party and the agent party can be realized, the entrusting resource debit and credit account can be conveniently cleared, and the safety of entrusting resource debit and credit is improved.

Description

Technical Field

[0001] The present application relates to the technical field of resource lending, and in particular to a method, device, equipment, storage medium and program product for entrusted resource lending. Background Art

[0002] With the rapid development of the financial market and the continuous emergence of financial innovation, entrusted resource lending business has gradually become a common business among financial institutions and banks. Entrusted resource lending refers to a resource lending method in which the entrusting party, such as government departments, enterprises, institutions and individuals, provides funds, and the agent issues, supervises the use and assists in the recovery of resources according to the resource lending object, purpose, amount, term and interest rate determined by the entrusting party.

[0003] In the existing entrusted resource lending model, the agent usually sets up the entrusted resource lending product, establishes the entrusted resource lending contract, and sends the contract account information to the entrusting party at the end of the day.

[0004] However, under this model, the principal cannot obtain the first-hand transaction data details between the agent and the resource income party, resulting in unclear account transactions and low security and accuracy. Summary of the invention

[0005] Based on this, it is necessary to provide a delegated resource lending method, device, equipment, storage medium and program product that can improve the security of the delegated resource lending model in response to the above technical problems.

[0006] In a first aspect, the present application provides a method for entrusting resource lending. The method comprises:

[0007] Obtain the resource loan contract between the entrusting party and the resource income party, and the transaction type agreed upon between the entrusting party and the resource income party;

[0008] According to the resource lending contract, a first transaction process corresponding to the transaction type is performed with the agent device;

[0009] A transaction instruction is generated according to the resource lending contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

[0010] In one embodiment, sending the transaction instruction to the agent device includes:

[0011] When it is detected that the first transaction process starts to be executed, the transaction instruction is sent to the agent device.

[0012] In one embodiment, the transaction type is resource issuance, and the first transaction process corresponding to the transaction type is performed between the agent device and the agent device according to the resource lending contract, including:

[0013] Disbursing resource loan principal to the agent device according to the resource loan contract;

[0014] The generating of a transaction instruction according to the resource lending contract and the transaction type, sending the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction, including:

[0015] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0016] In one embodiment, the transaction type is principal and interest recovery, and the first transaction process corresponding to the transaction type is performed between the agent device and the resource lending contract, including:

[0017] Obtaining resource loan principal and / or interest from the agent device according to the resource loan contract;

[0018] The generating of a transaction instruction according to the resource lending contract and the transaction type, sending the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction, including:

[0019] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or the interest from the resource income device.

[0020] In one embodiment, the method further comprises:

[0021] Acquire a first transaction detail and a second transaction detail within a preset time period, wherein the first transaction detail includes a transaction detail between the entrusting party and the agent, and the second transaction detail includes a transaction detail between the agent and the resource income party;

[0022] Determining whether the first transaction details match the second transaction details;

[0023] When it is determined that the first transaction details do not match the second transaction details, a prompt message is output; the prompt message is used to indicate that there is an abnormality in the transaction.

[0024] In one embodiment, the first transaction details do not match the second transaction details, including:

[0025] The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail;

[0026] or,

[0027] The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

[0028] In a second aspect, the present application also provides a delegated resource lending device. The device includes:

[0029] The first acquisition module is used to acquire the resource loan contract between the entrusting party and the resource income party, and the transaction type agreed upon between the entrusting party and the resource income party;

[0030] A transaction module, configured to perform a first transaction process corresponding to the transaction type with the agent device according to the resource lending contract;

[0031] A generation module is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

[0032] In one embodiment, the generating module includes:

[0033] The sending unit is used to send the transaction instruction to the agent device when detecting that the first transaction process starts to be executed.

[0034] In one embodiment, the transaction module includes:

[0035] A distribution unit, used for distributing the resource loan principal to the agent device according to the resource loan contract;

[0036] The generation module includes:

[0037] The first generating unit is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0038] In one embodiment, the transaction module includes:

[0039] An acquisition unit, configured to acquire the resource loan principal and / or interest from the agent device according to the resource loan contract;

[0040] The generation module includes:

[0041] The second generating unit is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or the interest from the resource income device.

[0042] In one embodiment, the device further comprises:

[0043] A second acquisition module is used to acquire first transaction details and second transaction details within a preset time period, wherein the first transaction details include transaction details between the entrusting party and the agent, and the second transaction details include transaction details between the agent and the resource income party;

[0044] A determination module, used to determine whether the first transaction details match the second transaction details;

[0045] The output module is used to output a prompt message when it is determined that the first transaction details do not match the second transaction details; the prompt message is used to indicate that there is an abnormality in the transaction.

[0046] In one embodiment, the first transaction details do not match the second transaction details, including:

[0047] The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail;

[0048] or,

[0049] The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

[0050] In a third aspect, the present application further provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of any of the above methods when executing the computer program.

[0051] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which implements the steps of any of the above methods when executed by a processor.

[0052] In a fifth aspect, the present application also provides a computer program product, including a computer program, which implements the steps of any of the above methods when executed by a processor.

[0053] The above-mentioned entrusted resource lending method, device, equipment, storage medium and program product obtain the resource lending contract between the entrusting party and the resource income party, and the transaction type agreed upon between the entrusting party and the resource income party, and according to the resource lending contract, perform a first transaction process corresponding to the transaction type with the agent device, generate a transaction instruction according to the resource lending contract and the transaction type, and send the transaction instruction to the agent device, and the transaction instruction is used to instruct the agent device and the resource income party device to perform a second transaction process according to the transaction instruction. Since the entrusting party generates the transaction process and instructs the agent to execute the corresponding transaction in the embodiment of the present application, the agent does not obtain the resource lending contract, thereby realizing the account isolation between the entrusting party and the agent, and facilitating the clearing of the entrusted resource lending account, thereby improving the security of entrusted resource lending. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] FIG1 is an internal structure diagram of a computer device provided in an embodiment of the present application;

[0055] FIG2 is a schematic diagram of a flow chart of a method for entrusting resource lending provided in an embodiment of the present application;

[0056] FIG3 is a diagram of a client and an agent architecture provided in an embodiment of the present application;

[0057] FIG4 is a schematic diagram of a flow chart of a method for outputting prompt information provided in an embodiment of the present application;

[0058] FIG5 is a schematic diagram of a flow chart of a new delegated resource lending method provided in an embodiment of the present application;

[0059] FIG6 is a structural block diagram of a delegated resource lending device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0060] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0061] With the rapid development of the financial market and the continuous emergence of financial innovation, entrusted resource lending business has gradually become a common business among financial institutions and banks. Entrusted resource lending refers to a resource lending method in which the entrusting party, such as government departments, enterprises, institutions and individuals, provides funds, and the agent issues, supervises the use and assists in the recovery of resources according to the resource lending object, purpose, amount, term and interest rate determined by the entrusting party.

[0062] In the existing entrusted resource lending model, the agent usually sets up the entrusted resource lending product, establishes the entrusted resource lending contract, and sends the contract account information to the entrusting party at the end of the day.

[0063] However, under this model, the principal cannot obtain the first-hand transaction data details between the agent and the resource income party, resulting in unclear account transactions and low security and accuracy.

[0064] The delegated resource lending method provided in the embodiment of the present application can be applied in the application environment as shown in Figure 1. Figure 1 is an internal structure diagram of a computer device provided in the embodiment of the present application. The computer device can be a server, and its internal structure diagram can be as shown in Figure 1. The computer device includes a processor, a memory, and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a delegated resource lending method is implemented.

[0065] Those skilled in the art will understand that the structure shown in FIG. 1 is merely a block diagram of a partial structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0066] In one embodiment, as shown in FIG. 2 , FIG. 2 is a flow chart of a method for entrusting resource lending provided in an embodiment of the present application, and the method can be applied to the computer device in FIG. 1 , and the method includes the following steps:

[0067] S201, obtaining the resource loan contract between the entrusting party and the resource income party, and the transaction type agreed upon between the entrusting party and the resource income party.

[0068] For example, refer to FIG3, which is a diagram of the structure of a principal and an agent provided in an embodiment of the present application. As shown in FIG3, the agent can usually be divided into multiple agent branches according to geographical location, business type, etc., and the multiple agent branches handle the business respectively. Similarly, the principal can also be divided into multiple principal branches according to geographical location, business type, etc., so that the multiple principal branches handle the business respectively.

[0069] In one embodiment, the client and the resource income party agree on the type, amount, term, interest rate, etc. of resource lending and sign a resource lending contract. The resource lending contract is stored in the client device and is not sent to the agent device, that is, the agent device has no relevant information on resource lending.

[0070] Optionally, the transaction type agreed upon between the entrusting party and the resource income party may include, for example, resource issuance and principal and interest recovery. Among them, resource issuance includes the entrusting party issuing the resource loan principal agreed upon in the resource loan contract to the resource income party through the agent, and principal and interest recovery includes the entrusting party recovering the resource loan principal and interest agreed upon in the resource loan contract from the resource income party through the agent.

[0071] In a possible implementation, the entrusting party device and the agent party device may be the same computer device, and during the execution of the transaction process, the position permissions may be set for the entrusting party user and the agent party user respectively. When it is detected that the user is the entrusting party user, the entrusting party page may be switched to implement the entrusting party permission switching; when it is detected that the user is the agent party user, the entrusting party page may be switched to implement the agent party permission switching.

[0072] For example, as shown in Table 1 below, different users correspond to different user permissions, where User 1 and User 3 are agent users. When the logged-in user is User 1 or User 3, you can switch to the agent page to switch the agent's permissions. User 2 and User 4 are entrusting users. When the logged-in user is User 2 or User 2, you can switch to the entrusting page to switch the entrusting permissions.

[0073]

[0074] Table 1

[0075] S202, performing a first transaction process corresponding to the transaction type with the agent device according to the resource lending contract.

[0076] In the embodiment of the present application, the client device can initiate a first transaction process with the agent device according to the resource lending type, amount, term, interest rate, etc. of the resource lending agreed in the resource lending contract. The transaction type may include resource issuance and principal and interest recovery, for example.

[0077] Exemplarily, when the transaction type includes resource issuance, the resource loan principal can be issued to the agent device according to the type, amount, term, interest rate, etc. of the resource loan agreed in the resource loan contract, and the corresponding transaction details can be saved.

[0078] Alternatively, when the transaction type includes principal and interest recovery, the resource loan principal and / or interest can be obtained from the agent device according to the type, amount, term, interest rate, etc. of the resource loan agreed in the resource loan contract, and the corresponding transaction details can be saved.

[0079] S203, generating a transaction instruction according to the resource lending contract and the transaction type, and sending the transaction instruction to the agent device, the transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

[0080] In an embodiment of the present application, when it is detected that the first transaction process between the above-mentioned entrusting device and the agent device has started, a transaction instruction is synchronously generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device to instruct the agent device and the resource income device to execute the second transaction process through the transaction instruction.

[0081] Exemplarily, in the case where the transaction type includes resource issuance, when it is detected that the first transaction process between the above-mentioned principal device and the agent device has started, a transaction instruction can be generated by the resource lending contract, and the transaction instruction can be sent to the agent device, so as to instruct the agent device to issue the resource lending principal agreed upon in the resource lending contract to the resource income device through the transaction instruction.

[0082] Alternatively, in the case where the transaction type includes recovery of principal and interest, when it is detected that the first transaction process between the above-mentioned principal device and the agent device has started, a transaction instruction can be generated based on the resource lending contract, and the transaction instruction can be sent to the agent device, so as to instruct the agent device to obtain the resource lending principal and / or interest agreed upon in the resource lending contract from the resource income device through the transaction instruction.

[0083] In the embodiment of the present application, by obtaining the resource loan contract between the entrusting party and the resource income party, and the transaction type agreed upon between the entrusting party and the resource income party, according to the resource loan contract, a first transaction process corresponding to the transaction type is carried out between the agent device and the agent device, and a transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device, and the transaction instruction is used to instruct the agent device and the resource income party device to carry out the second transaction process according to the transaction instruction. Since the entrusting party generates the transaction process and instructs the agent to execute the corresponding transaction in the embodiment of the present application, the agent does not obtain the resource loan contract, thereby realizing the account isolation between the entrusting party and the agent, and facilitating the clearing of the entrusted resource loan account, thereby improving the security of entrusted resource loan.

[0084] Based on the above embodiment, the above S203 includes the following steps:

[0085] When it is detected that the first transaction process starts to be executed, the transaction instruction is sent to the agent device.

[0086] In an embodiment of the present application, a detection program is set to monitor the execution status of the transaction process between the entrusting party device and the agent device in real time. When it is detected that the first transaction process starts to be executed, the generated transaction instructions are synchronously sent to the agent device.

[0087] When it is detected that the first transaction process starts to execute, the generated transaction instructions are synchronously sent to the agent's device, which can reduce the delay between the first transaction process and the second transaction process, and make the first transaction process and the second transaction process proceed synchronously as much as possible, thereby avoiding the problem of inconsistent account integration time caused by the transaction details of both parties involving cutting dates.

[0088] On the basis of the above embodiment, when the transaction type is resource issuance, the above S202 can be implemented in the following manner:

[0089] The resource loan principal is issued to the agent device according to the resource loan contract.

[0090] In an embodiment of the present application, when the transaction type includes resource issuance, the resource loan principal can be issued to the agent device according to the type, amount, term, interest rate, etc. of the resource loan agreed in the resource loan contract, and the corresponding transaction details can be saved.

[0091] On the basis of the above embodiment, when the transaction type is resource issuance, the above S203 can be implemented in the following manner:

[0092] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0093] In an embodiment of the present application, when the transaction type includes resource issuance, when it is detected that the first transaction process between the above-mentioned entrusting device and the agent device has started, a transaction instruction can be generated by the resource lending contract, and the transaction instruction can be sent to the agent device, so as to instruct the agent device to issue the resource lending principal agreed in the resource lending contract to the resource income device through the transaction instruction.

[0094] In an embodiment of the present application, when the transaction type includes resource issuance, the resource loan principal is issued to the agent device according to the resource loan contract, and a transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device to instruct the agent device to issue the resource loan principal to the resource income device. The agent only completes the transaction according to the transaction instruction sent by the entrusting party, and the agent does not obtain the resource loan contract, thereby achieving account isolation between the entrusting party and the agent, and facilitating the settlement of the entrusted resource loan account, thereby improving the security of entrusted resource lending.

[0095] On the basis of the above embodiment, when the transaction type is principal and interest recovery, the above S202 can be implemented in the following manner:

[0096] Obtain resource loan principal and / or interest from the agent device according to the resource loan contract.

[0097] In one embodiment, when the transaction type includes principal and interest recovery, the resource loan principal and / or interest can be obtained from the agent device according to the type, amount, term, interest rate, etc. of the resource loan agreed in the resource loan contract, and the corresponding transaction details can be saved.

[0098] On the basis of the above embodiment, when the transaction type is principal and interest recovery, the above S203 can be implemented in the following manner:

[0099] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or interest from the resource income device.

[0100] In one embodiment, when the transaction type includes recovery of principal and interest, when it is detected that the first transaction process between the above-mentioned principal device and the agent device has started, a transaction instruction can be generated according to the resource lending contract, and the transaction instruction can be sent to the agent device, so as to instruct the agent device to obtain the resource lending principal and / or interest agreed upon in the resource lending contract from the resource income device through the transaction instruction.

[0101] In an embodiment of the present application, when the transaction type includes recovery of principal and interest, the resource loan principal and / or interest is obtained from the agent device according to the resource loan contract, and a transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device to instruct the agent device to obtain the resource loan principal and / or interest from the resource income device. The agent only completes the transaction according to the transaction instruction sent by the entrusting party, and the agent does not obtain the resource loan contract, thereby achieving account isolation between the entrusting party and the agent, and facilitating the settlement of the entrusted resource loan account, thereby improving the security of entrusted resource lending.

[0102] Exemplarily, the accounting entries of the first transaction process and the second transaction process may be shown in Table 2 below:

[0103]

[0104] Table 2

[0105] Referring to Figure 4, Figure 4 is a flow chart of a method for outputting prompt information provided by an embodiment of the present application. Based on the above embodiment, the above method further includes the following steps:

[0106] S401, obtaining first transaction details and second transaction details within a preset time period.

[0107] Among them, the first transaction details include the transaction details between the entrusting party and the agent, and the second transaction details include the transaction details between the agent and the resource income party.

[0108] Exemplarily, the preset time period can be set to 24 hours, i.e. one day, and then at the preset timing time, the first transaction details between the principal and the agent within one day before the timing time and the second transaction details between the agent and the resource income party are obtained.

[0109] In one embodiment, a timing program may be written to automatically obtain the first transaction details and the second transaction details within one day before the timing time at a preset timing time through the timing program.

[0110] S402, determining whether the first transaction details match the second transaction details.

[0111] In one embodiment, it can be determined first whether the first overall change amount in the first transaction details matches the second overall change amount in the second transaction details. If the first overall change amount does not match the second overall change amount, it is determined that the first transaction details do not match the second transaction details. If the first overall change amount matches the second overall change amount, then the first change amount in the first transaction details corresponding to each transaction and the second change amount in the second transaction details are compared one by one to see if they match. If there is a situation where the first change amount corresponding to any transaction does not match the second change amount, it is determined that the first transaction details do not match the second transaction details.

[0112] Alternatively, when determining whether the first transaction details match the second transaction details, it is also possible to first determine whether the first transaction number of the first transaction details is the same as the second transaction number of the second transaction details. If the first transaction number is different from the second transaction number, it can be directly determined that the first transaction details do not match the second transaction details. If the first transaction number is different from the second transaction number, it is necessary to perform the above-mentioned overall change amount and single change amount comparison process.

[0113] Alternatively, before comparing one by one whether the first change amount in the first transaction details corresponding to each transaction matches the second change amount in the second transaction details, you can also first determine whether each transaction has a corresponding first change amount and second change amount. If there is only the first change amount but not the second change amount, or only the second change amount but not the first change amount, it can be directly determined that the first transaction details do not match the second transaction details.

[0114] S403: When it is determined that the first transaction details do not match the second transaction details, output a prompt message.

[0115] The prompt information is used to indicate that there is an abnormality in the transaction.

[0116] In one embodiment, when it is determined that the first transaction details do not match the second transaction details, a prompt message indicating that there is an abnormality in the transaction can be generated and output to promptly remind relevant staff to handle the abnormal transaction in a timely manner.

[0117] Exemplarily, the prompt information may be output via a pop-up window, text message, email, or the like.

[0118] In an embodiment of the present application, the first transaction details and the second transaction details within a preset time period are obtained, and it is determined whether the first transaction details match the second transaction details. When it is determined that the first transaction details do not match the second transaction details, a prompt message is output to indicate that there is an abnormality in the transaction, so that relevant staff can be reminded in time to handle the abnormal transaction in time, thereby improving the security and reliability of the entrusted resource loan account.

[0119] Based on the above embodiment, the first transaction details do not match the second transaction details, including:

[0120] The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail;

[0121] or,

[0122] The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

[0123] In an embodiment of the present application, it can be determined first whether the first overall change amount in the first transaction details matches the second overall change amount in the second transaction details. If the first overall change amount does not match the second overall change amount, it is determined that the first transaction details do not match the second transaction details. If the first overall change amount matches the second overall change amount, then the first change amount in the first transaction details corresponding to each transaction and the second change amount in the second transaction details are compared one by one to see if they match. If there is a situation where the first change amount corresponding to any transaction does not match the second change amount, it is determined that the first transaction details do not match the second transaction details.

[0124] Alternatively, when determining whether the first transaction details match the second transaction details, it is also possible to first determine whether the first transaction number of the first transaction details is the same as the second transaction number of the second transaction details. If the first transaction number is different from the second transaction number, it can be directly determined that the first transaction details do not match the second transaction details. If the first transaction number is different from the second transaction number, it is necessary to perform the above-mentioned overall change amount and single change amount comparison process.

[0125] Alternatively, before comparing one by one whether the first change amount in the first transaction details corresponding to each transaction matches the second change amount in the second transaction details, you can also first determine whether each transaction has a corresponding first change amount and second change amount. If there is only the first change amount but not the second change amount, or only the second change amount but not the first change amount, it can be directly determined that the first transaction details do not match the second transaction details.

[0126] Since in the embodiment of the present application, whether the first transaction details match the second transaction details is first determined based on the overall change amount, and then whether the first transaction details match the second transaction details is determined based on the first change amount and the second change amount corresponding to each transaction, the account settlement process can be simplified according to the actual account situation, and the flexibility of the entrusted resource loan account settlement is improved.

[0127] Referring to FIG. 5 , FIG. 5 is a flow chart of a new method for entrusting resource lending provided in an embodiment of the present application. The method comprises the following steps:

[0128] S501, obtaining the resource loan contract between the entrusting party and the resource income party, and the transaction type agreed upon between the entrusting party and the resource income party.

[0129] S502, when the transaction type is resource issuance, the resource loan principal is issued to the agent device according to the resource loan contract, and a transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0130] S503, when the transaction type is principal and interest recovery, obtain the resource loan principal and / or interest from the agent device according to the resource loan contract, and generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or interest from the resource income device.

[0131] S504, obtaining first transaction details and second transaction details within a preset time period.

[0132] S505, determining whether the first transaction details match the second transaction details.

[0133] S506: When it is determined that the first transaction details do not match the second transaction details, output a prompt message.

[0134] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0135] Based on the same inventive concept, the embodiment of the present application also provides a delegated resource lending device for implementing the delegated resource lending method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more delegated resource lending device embodiments provided below can refer to the limitations of the delegated resource lending method above, and will not be repeated here.

[0136] In one embodiment, as shown in FIG. 6 , FIG. 6 is a structural block diagram of a delegated resource lending device provided in an embodiment of the present application, and the device 600 includes:

[0137] The first acquisition module 601 is used to acquire the resource loan contract between the entrusting party and the resource income party, and the transaction type agreed upon between the entrusting party and the resource income party.

[0138] The transaction module 602 is used to perform a first transaction process corresponding to the transaction type with the agent device according to the resource lending contract.

[0139] The generation module 603 is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform the second transaction process according to the transaction instruction.

[0140] In one embodiment, the generating module 603 includes:

[0141] The sending unit is used to send the transaction instruction to the agent device when detecting that the first transaction process starts to be executed.

[0142] In one embodiment, the transaction module 602 includes:

[0143] The issuing unit is used to issue the resource loan principal to the agent device according to the resource loan contract.

[0144] The generation module 603 includes:

[0145] The first generating unit is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, where the transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0146] In one embodiment, the transaction module 602 includes:

[0147] The acquisition unit is used to acquire the resource loan principal and / or interest from the agent device according to the resource loan contract.

[0148] The generation module 603 includes:

[0149] The second generating unit is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, where the transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or interest from the resource income device.

[0150] In one embodiment, the apparatus 600 further includes:

[0151] The second acquisition module is used to obtain the first transaction details and the second transaction details within a preset time period, the first transaction details include the transaction details between the entrusting party and the agent, and the second transaction details include the transaction details between the agent and the resource income party.

[0152] The judgment module is used to judge whether the first transaction details match the second transaction details.

[0153] The output module is used to output a prompt message when it is determined that the first transaction details do not match the second transaction details; the prompt message is used to indicate that there is an abnormality in the transaction.

[0154] In one embodiment, the first transaction details do not match the second transaction details, including:

[0155] The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail;

[0156] or,

[0157] The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

[0158] Each module in the above-mentioned entrusted resource lending device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each module.

[0159] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0160] Obtain the resource loan contract between the client and the resource income party, as well as the transaction type agreed upon between the client and the resource income party;

[0161] According to the resource lending contract, a first transaction process corresponding to the transaction type is performed with the agent device;

[0162] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

[0163] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0164] When it is detected that the first transaction process starts to be executed, the transaction instruction is sent to the agent device.

[0165] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0166] Disburse resource loan principal to the agent's equipment according to the resource loan contract;

[0167] Generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform the second transaction process according to the transaction instruction, including:

[0168] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0169] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0170] Obtain resource loan principal and / or interest from the agent device according to the resource loan contract;

[0171] Generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform the second transaction process according to the transaction instruction, including:

[0172] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or interest from the resource income device.

[0173] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0174] Obtaining first transaction details and second transaction details within a preset time period, wherein the first transaction details include transaction details between the entrusting party and the agent, and the second transaction details include transaction details between the agent and the resource income party;

[0175] Determining whether the first transaction details match the second transaction details;

[0176] When it is determined that the first transaction details do not match the second transaction details, a prompt message is output; the prompt message is used to indicate that there is an abnormality in the transaction.

[0177] In one embodiment, the first transaction details do not match the second transaction details, including:

[0178] The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail;

[0179] or,

[0180] The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

[0181] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0182] Obtain the resource loan contract between the client and the resource income party, as well as the transaction type agreed upon between the client and the resource income party;

[0183] According to the resource lending contract, a first transaction process corresponding to the transaction type is performed with the agent device;

[0184] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

[0185] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0186] When it is detected that the first transaction process starts to be executed, the transaction instruction is sent to the agent device.

[0187] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0188] Disburse resource loan principal to the agent's equipment according to the resource loan contract;

[0189] Generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform the second transaction process according to the transaction instruction, including:

[0190] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0191] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0192] Obtain resource loan principal and / or interest from the agent device according to the resource loan contract;

[0193] Generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform the second transaction process according to the transaction instruction, including:

[0194] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or interest from the resource income device.

[0195] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0196] Obtaining first transaction details and second transaction details within a preset time period, wherein the first transaction details include transaction details between the entrusting party and the agent, and the second transaction details include transaction details between the agent and the resource income party;

[0197] Determining whether the first transaction details match the second transaction details;

[0198] When it is determined that the first transaction details do not match the second transaction details, a prompt message is output; the prompt message is used to indicate that there is an abnormality in the transaction.

[0199] In one embodiment, the first transaction details do not match the second transaction details, including:

[0200] The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail;

[0201] or,

[0202] The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

[0203] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0204] Obtain the resource loan contract between the client and the resource income party, as well as the transaction type agreed upon between the client and the resource income party;

[0205] According to the resource lending contract, a first transaction process corresponding to the transaction type is performed with the agent device;

[0206] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

[0207] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0208] When it is detected that the first transaction process starts to be executed, the transaction instruction is sent to the agent device.

[0209] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0210] Disburse resource loan principal to the agent's equipment according to the resource loan contract;

[0211] Generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform the second transaction process according to the transaction instruction, including:

[0212] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

[0213] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0214] Obtain resource loan principal and / or interest from the agent device according to the resource loan contract;

[0215] Generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform the second transaction process according to the transaction instruction, including:

[0216] A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or interest from the resource income device.

[0217] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented:

[0218] Obtaining first transaction details and second transaction details within a preset time period, wherein the first transaction details include transaction details between the entrusting party and the agent, and the second transaction details include transaction details between the agent and the resource income party;

[0219] Determining whether the first transaction details match the second transaction details;

[0220] When it is determined that the first transaction details do not match the second transaction details, a prompt message is output; the prompt message is used to indicate that there is an abnormality in the transaction.

[0221] In one embodiment, the first transaction details do not match the second transaction details, including:

[0222] The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail;

[0223] or,

[0224] The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

[0225] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0226] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0227] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for entrusting resource lending, characterized in that: The method is applied to a client device, and the method includes: Obtaining a resource loan contract between a client and a resource income party, and a transaction type agreed upon between the client and the resource income party; According to the resource lending contract, a first transaction process corresponding to the transaction type is performed with the agent device; A transaction instruction is generated according to the resource lending contract and the transaction type, and the transaction instruction is sent to the agent device. The transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

2. The method according to claim 1, characterized in that The sending of the transaction instruction to the agent device includes: When it is detected that the first transaction process starts to be executed, the transaction instruction is sent to the agent device.

3. The method according to claim 1 or 2, characterized in that: The transaction type is resource issuance, and the first transaction process corresponding to the transaction type is performed between the agent device and the agent device according to the resource lending contract, including: Disbursing resource loan principal to the agent device according to the resource loan contract; The generating of a transaction instruction according to the resource lending contract and the transaction type, sending the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction, includes: A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device, wherein the transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

4. The method according to claim 1 or 2, characterized in that: The transaction type is principal and interest recovery, and the first transaction process corresponding to the transaction type is performed between the agent device and the resource lending contract, including: Obtaining resource loan principal and / or interest from the agent device according to the resource loan contract; The generating of a transaction instruction according to the resource lending contract and the transaction type, sending the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction, includes: A transaction instruction is generated according to the resource loan contract and the transaction type, and the transaction instruction is sent to the agent device, wherein the transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or the interest from the resource income device.

5. The method according to claim 1, characterized in that The method further comprises: Acquire a first transaction detail and a second transaction detail within a preset time period, wherein the first transaction detail includes a transaction detail between the entrusting party and the agent, and the second transaction detail includes a transaction detail between the agent and the resource income party; Determining whether the first transaction details match the second transaction details; When it is determined that the first transaction details do not match the second transaction details, a prompt message is output; the prompt message is used to indicate that there is an abnormality in the transaction.

6. The method according to claim 5, characterized in that The first transaction details do not match the second transaction details, including: The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail; or, The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

7. A delegated resource lending device, characterized in that: The device comprises: A first acquisition module is used to acquire a resource loan contract between a client and a resource income party, and a transaction type agreed upon between the client and the resource income party; A transaction module, configured to perform a first transaction process corresponding to the transaction type with the agent device according to the resource lending contract; A generation module is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device and the resource income device to perform a second transaction process according to the transaction instruction.

8. The device according to claim 7, characterized in that The generation module comprises: A sending unit is used to send the transaction instruction to the agent device when detecting that the first transaction process starts to be executed.

9. The device according to claim 7 or 8, characterized in that The transaction type is resource distribution, and the transaction module includes: A distribution unit, configured to distribute the resource loan principal to the agent device according to the resource loan contract; The generation module comprises: The first generating unit is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device to issue the resource loan principal to the resource income device.

10. The device according to claim 7 or 8, characterized in that The transaction type is principal and interest recovery, and the transaction module includes: An acquisition unit, configured to acquire the resource loan principal and / or interest from the agent device according to the resource loan contract; The generation module comprises: The second generating unit is used to generate a transaction instruction according to the resource loan contract and the transaction type, and send the transaction instruction to the agent device, wherein the transaction instruction is used to instruct the agent device to obtain the resource loan principal and / or the interest from the resource income device.

11. The device according to claim 7, characterized in that The device also includes: A second acquisition module is used to acquire first transaction details and second transaction details within a preset time period, wherein the first transaction details include transaction details between the entrusting party and the agent, and the second transaction details include transaction details between the agent and the resource income party; A determination module, used to determine whether the first transaction details match the second transaction details; The output module is used to output a prompt message when it is determined that the first transaction details do not match the second transaction details; the prompt message is used to indicate that there is an abnormality in the transaction.

12. The device according to claim 11, characterized in that The first transaction details do not match the second transaction details, including: The first overall change amount in the first transaction detail does not match the second overall change amount in the second transaction detail; or, The first overall change amount matches the second overall change amount, and the first change amount in the first transaction detail corresponding to the same transaction sequence does not match the second change amount in the second transaction detail.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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