Resource processing method and device

Abstract

The embodiment of the invention provides a resource processing method and device, and the method comprises the steps: carrying out the rule detection of user data of an application user through operating a routing rule script of each resource mechanism for a routing request which is transmitted by a third-party mechanism platform and is used for carrying out the resource application, and obtaining a candidate resource mechanism, the candidate resource mechanisms are sorted according to routing indexes calculated according to historical resource data of the candidate resource mechanisms to obtain a mechanism routing list, and finally resource application verification of an application user is carried out in cooperation with a target resource mechanism selected in the mechanism routing list to obtain a verification result; therefore, the routing processing of the resource mechanism is realized by means of the routing script.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a resource processing method and device. Background Art

[0002] With the continuous development and promotion of the Internet, the application scope of various online services provided based on the Internet is becoming wider and wider. In this case, a method of applying for resources online has emerged and has gradually been accepted by users. However, as more and more resource agencies access this method, the resource agencies' customer acquisition needs under this method are becoming more and more diversified. Therefore, how to meet the needs of resource agencies while serving users has become the focus of online service providers. Summary of the invention

[0003] One or more embodiments of the present specification provide a resource processing method, including: obtaining user data of an applicant user corresponding to a routing request for resource application sent by a third-party agency platform. Performing rule detection on the user data by running the routing rule script of each resource agency to obtain a candidate resource agency. The routing rule script is obtained by configuring rules in a middleware service. Routing indicators are calculated based on the historical resource data of each candidate resource agency, and the candidate resource agencies are sorted according to the routing indicators to obtain an agency routing list. Based on the target resource agency selected in the agency routing list, the resource application of the applicant user is verified in cooperation with the target resource agency to obtain a verification result.

[0004] One or more embodiments of the present specification provide a resource processing device, including: an acquisition module, configured to acquire user data of an applicant user corresponding to a routing request for resource application sent by a third-party agency platform. A detection module, configured to perform rule detection on the user data by running the routing rule script of each resource agency to obtain a candidate resource agency. The routing rule script is obtained by configuring rules in a middleware service. A calculation module, configured to calculate routing indicators based on the historical resource data of each candidate resource agency, and to sort the candidate resource agencies according to the routing indicators to obtain an agency routing list. A verification module, configured to verify the resource application of the applicant user in cooperation with the target resource agency selected in the agency routing list to obtain a verification result.

[0005] One or more embodiments of the present specification provide a resource processing device, including: a processor; and a memory configured to store computer executable instructions, wherein when the computer executable instructions are executed, the processor: obtains user data of an applicant user corresponding to a routing request for resource application sent by a third-party agency platform. A candidate resource agency is obtained by running a routing rule script of each resource agency to perform rule detection on the user data. The routing rule script is obtained by configuring rules in a middleware service. Routing indicators are calculated based on the historical resource data of each candidate resource agency, and the candidate resource agencies are sorted according to the routing indicators to obtain an agency routing list. Based on the target resource agency selected in the agency routing list, the resource application of the applicant user is verified in cooperation with the target resource agency to obtain a verification result.

[0006] One or more embodiments of the present specification provide a computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: Obtain user data of an applicant user corresponding to a routing request for resource application sent by a third-party agency platform. Perform rule detection on the user data by running the routing rule script of each resource agency to obtain a candidate resource agency. The routing rule script is obtained by configuring rules in a middleware service. Calculate routing indicators based on the historical resource data of each candidate resource agency, and sort the candidate resource agencies based on the routing indicators to obtain an agency routing list. Based on the target resource agency selected in the agency routing list, cooperate with the target resource agency to verify the resource application of the applicant user to obtain a verification result. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A schematic diagram of an implementation environment of a resource processing method provided for one or more embodiments of this specification; Figure 2 A processing flow chart of a resource processing method provided for one or more embodiments of this specification; Figure 3 A processing flow chart of a resource processing method applied to a car purchase scenario provided in one or more embodiments of this specification; Figure 4 A schematic diagram of an embodiment of a resource processing device provided for one or more embodiments of this specification; Figure 5 A schematic diagram of the structure of a resource processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0008] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0009] The resource processing method provided in one or more embodiments of this specification can be applied to the implementation environment of resource routing. Figure 1 , the implementation environment at least includes: SaaS (Software as a Service) platform 101, third-party institution platform 102, and processing platform 103 of target resource institution; The SaaS platform 101 is used to perform corresponding resource agency routing processing on the routing request of the application user sent by the third-party agency platform 102 of the external agency for resource application, and the resource agency is used to provide the corresponding resources to the application user after the resource agency routing processing; the SaaS platform 101 is deployed with middleware, and the middleware service provided by the middleware can help the resource agency configure the routing rules required for the routing processing process; The number of third-party agency platforms 102 can be one or more, that is, the SaaS platform 101 can connect to serve multiple external agencies to perform corresponding resource agency routing processing for resource applications; the number of resource agencies can also be one or more, that is, the SaaS platform 101 can route the corresponding resource agency in one or more resource agencies as a resource agency that provides resources to users who apply for resources.

[0010] In this implementation environment, after receiving the resource application submitted by the applicant user, the third-party agency platform 102 sends a routing request for resource application to the SaaS platform 101 to request the SaaS platform 101 to determine the resource agency that provides resources to the applicant user. After obtaining the routing request for resource application, the SaaS platform 101 obtains the user data of the applicant user corresponding to the routing request, and performs rule detection on the user data by running the routing rule script of each resource agency to obtain candidate resource agencies. Further, the routing index is calculated according to the historical resource data of each candidate resource agency, and the candidate resource agencies are sorted according to the routing index to obtain an agency routing list, and the target resource agency is selected from the agency routing list. Finally, the processing platform 103 of the target resource agency obtained by routing processing cooperates with the processing platform 103 to verify the resource application of the applicant user to obtain the verification result, thereby realizing the routing processing of the resource agency in the resource application process with the help of the regularized routing script.

[0011] It should be noted that, considering that the user data, historical resource data and other related data of the applicant involved in this specification may belong to the privacy of the applicant to a certain extent, if you want to collect the user data, historical resource data and other related data of the applicant, you can obtain the authorization of the applicant before collecting the data, so that the operation of collecting data complies with relevant data management regulations. For example, data authorization can be performed when the applicant is currently applying for resources on the SaaS platform, and data authorization can also be performed when the applicant accesses the service on the SaaS platform for the first time; the specific method of data authorization can be to send a user data authorization reminder to the applicant, and the applicant can obtain data collection authorization after confirming the reminder through an instruction, or, the method of data authorization can also be to obtain data collection authorization by signing a data authorization agreement. One or more embodiments of a resource processing method provided in this specification are as follows: Reference Figure 2 The resource processing method provided in this embodiment specifically includes steps S202 to S208.

[0012] Step S202: obtaining user data of an applicant corresponding to a routing request for resource application sent by a third-party institution platform.

[0013] In this embodiment, the third-party agency platform refers to a processing platform of an external third-party agency. The third-party agency platform provides users with an entry for applying for resources. Users can apply for resources on the third-party agency platform. For example, when a user purchases a vehicle, he or she submits a request for a loan on the third-party agency platform. The user who submits the resource application is the applicant user. The third-party agency platform can generate a routing request for the resource application and send the routing request based on the loan request submitted by the applicant user.

[0014] The resource processing method provided in this embodiment can be executed on a SaaS platform. In this case, the third-party agency platform can send a routing request for resource application to the SaaS platform. The purpose of sending the routing request is to determine the resource agency that provides resources to the applicant user who has made the resource application. When there are multiple resource agencies, it is necessary to determine which resource agency among the multiple resource agencies will provide resources to the applicant user who has made the resource application through routing. This process is the routing processing process of the resource agency.

[0015] In the specific implementation process, after receiving the routing request for resource application sent by the third-party institution platform, the user data of the applicant corresponding to the routing request is obtained, which is used as the data basis for the subsequent routing processing of the resource institution for the routing request of the applicant user. Among them, the user data may include data related to the resource application of the current user, and may also include the user's own data information, such as the user's occupation, salary, credit and other data information.

[0016] Step S204, performing rule detection on the user data by running the routing rule script of each resource organization to obtain candidate resource organizations.

[0017] The routing rule script of the resource agency refers to a processing script pre-configured for the resource agency for routing processing, such as an access condition script that detects whether the user meets the access conditions of the resource agency, or a resource rule script that detects whether the user meets the resource application rules of the resource agency.

[0018] Optionally, the routing rule script is obtained by configuring the rules in the middleware service, and the middleware service can be provided by the middleware deployed on the SaaS platform; specifically, during the configuration process, the corresponding script tool can be used to configure the middleware service provided by the middleware, such as using a Groovy script to configure the service page of the middleware service provided by the middleware deployed on the SaaS platform. After the configuration, the corresponding script will be generated, and the script will be further sent to the middleware for execution.

[0019] In specific implementation, during the routing processing of the routing request for resource application by the applicant user, the user data is subjected to rule detection by running the routing rule script of each resource agency. The candidate resource agency obtained by the rule detection is also the resource agency obtained in this routing link. The candidate resource agency refers to one or more resource agencies that have passed the rule detection among the resource agencies.

[0020] In order to improve the accuracy and comprehensiveness of resource agency routing processing, multiple routing rule scripts can be configured for each resource agency from multiple dimensions, so as to improve the accuracy and comprehensiveness of routing processing in the routing link of running the routing rule scripts of each resource agency to perform rule detection on the user data through multiple rounds of routing detection using multiple routing rule scripts.

[0021] Specifically, in an optional implementation manner provided by this embodiment, the user data is subjected to rule detection by running the routing rule script of each resource organization to obtain a candidate resource organization, including: By running the access condition scripts of each resource organization, the user data is tested for access and the access resource organization is obtained; By running the resource rule scripts of each access resource organization, resource rule detection is performed on user data to obtain candidate resource organizations.

[0022] The access condition script refers to a script configured according to the access condition of the resource institution for resource application; optionally, the access condition script is obtained by configuring the access agreement condition of the resource institution in the first middleware service using a script tool. For example, the access agreement condition of a resource institution may be that the geographic location code of the applicant coincides with the location code of the institution location of the resource institution.

[0023] The resource rule script refers to a script configured according to the resource rules of the resource institution to provide resources to the applicant; optionally, the resource rule script is obtained by using a script tool to configure the resource rules of the resource institution in the second middleware service. For example, the resource rule condition of a resource institution may be that the credit level of the applicant is higher than the preset credit level.

[0024] The resource processing method provided in this embodiment is executed by a SaaS platform, and on the basis that the SaaS platform is deployed with middleware, the first middleware service and the second middleware service can be provided by the middleware deployed by the SaaS platform.

[0025] Specifically, the first middleware service may be a service interface or service page for providing a service personnel of the SaaS platform with a script configuration of the access agreement conditions of several cooperating resource institutions. The service personnel of the SaaS platform, through the first middleware service, help the resource institution configure a script for detecting whether the applicant user meets the access agreement conditions, i.e., the access condition script, according to the access agreement conditions of the resource institution; For example, if the access agreement condition of the resource agency is that the geographic location code of the applicant user coincides with the location code of the location of the resource agency, then for this access agreement condition, the service personnel of the SaaS platform can use Groovy scripts on the service page of the middleware service provided by the middleware deployed on the SaaS platform to help the resource agency configure a script for detecting whether the applicant user meets this access agreement condition. The access condition script generated after configuration will be sent to the middleware, where the middleware executes the access condition script to detect whether the geographic location code of the applicant user coincides with the location code of the location of the resource agency, that is, the middleware executes the access condition script to perform routing detection processing on the applicant user in the routing link of the access protocol condition detection.

[0026] Similarly, the second middleware service can be a service interface or service page for providing service personnel of the SaaS platform with a script configuration of routing rules or routing conditions of several cooperating resource agencies. The service personnel of the SaaS platform can use the second middleware service to help the resource agency detect whether the applicant user meets the routing rules or routing conditions of the resource agency according to the routing rules or routing conditions of the resource agency, that is, the resource rule script.

[0027] For example, if the resource agency's routing rule is that the applicant's credit level is higher than the preset credit level, then for this access agreement condition, the service personnel of the SaaS platform can use Groovy scripts on the service page of the middleware service provided by the middleware deployed on the SaaS platform to help the resource agency configure a script for detecting whether the applicant's credit level is higher than the preset credit level. The resource rule script generated after configuration will be sent to the middleware, where the resource rule script is executed by the middleware to detect whether the applicant's credit level is higher than the preset credit level, that is, the middleware executes the resource rule script to perform routing rule or routing condition detection on the applicant. This routing detection process is performed on the routing link.

[0028] In actual applications, there may be special or complex routing scenarios in the process of routing processing of routing requests for resource applications by applicants, such as a scenario in which a third-party agency platform helps applicants to guarantee. In this case, the specific process of routing processing may be different. In order to make the routing processing process adapt to special or complex routing scenarios, corresponding routing scripts can be configured for special or complex routing scenarios. Based on the routing script configuration, the routing processing process can be enabled to cope with various special or complex scenarios by executing the routing script.

[0029] In an optional implementation manner provided by this embodiment, before performing rule detection on the user data by running the routing rule scripts of each resource agency, routing detection of a whitelist rule script may also be performed. Specifically, routing detection of the whitelist rule script includes: By running the whitelist rule script, check whether the applicant meets the whitelist rules of any resource institution; If so, any resource agency that meets the requirements is used as a routing resource agency, and the resource application of the applicant is verified in cooperation with the routing resource agency to obtain a verification result; If not, the above step S204 is executed to perform rule detection on the user data by running the routing rule script of each resource organization to obtain a candidate resource organization.

[0030] Among them, the whitelist rule script refers to a script generated according to the whitelist rule configuration of the resource agency. Similar to the above-mentioned access condition script and resource rule script, the whitelist rule script can also be obtained by configuring the whitelist rule of the resource agency in the middleware service using a script tool. The whitelist rule can be a rule for detecting whether the applicant user is guaranteed. If the applicant user is guaranteed, it is determined that the applicant user meets the whitelist rule, that is, the guaranteed applicant user is determined to be a whitelist user; conversely, if the applicant user is not guaranteed, it is determined that the applicant user does not meet the list rule, that is, the guaranteed applicant user will not be determined to be a whitelist user; based on this, the whitelist rule script can be a script for detecting whether the applicant user meets the whitelist rule.

[0031] Here, the specific processing procedure of cooperating with the routing resource agency to verify the resource application of the applicant and obtaining the verification result is similar to the processing procedure of cooperating with the target resource agency to verify the resource application of the applicant and obtaining the verification result provided in the following step S208. Please refer to the specific processing procedure of the resource application verification provided in the following step S208, which will not be repeated here.

[0032] Step S206, calculating a routing index according to the historical resource data of each candidate resource organization, and sorting the candidate resource organizations according to the routing index to obtain an organization routing list.

[0033] After obtaining the candidate resource agencies by running the routing rule script to perform rule detection on the user data, considering that there may be multiple candidate resource agencies, the routing index of each candidate resource agency is calculated, and the candidate resource agencies are sorted based on the routing index to help make resource agency routing decisions.

[0034] In an optional implementation manner provided by this embodiment, the routing index is calculated according to the historical resource data of each candidate resource organization, including: Read the routing records of each candidate resource organization, and extract historical resource data from the read routing records; Calculate the resource flow indicators of each candidate resource agency based on historical resource data.

[0035] Optionally, the resource transfer indicators include: resource outflow success rate and / or resource return overdue rate. The resource outflow success rate refers to the success rate of resource agencies providing resources to applicants; the resource return overdue rate refers to the rate at which applicants return resources to resource agencies beyond the return period after resource agencies provide resources to applicants.

[0036] The routing record is a routing record stored in the previous routing processing and resource application verification process, that is, a routing record stored in the routing processing and resource application verification process of the routing request of the applicant user who previously applied for the resource. The routing record specifically includes: a first routing record generated based on the user data of the applicant user and the access verification result of the resource institution, and / or a second routing record generated based on the user data of the applicant user and the risk verification result of the resource institution.

[0037] In specific implementation, after calculating and obtaining the routing index based on the historical resource data of each candidate resource agency, in the process of sorting each candidate resource agency based on the routing index, each candidate resource agency can be sorted according to the preset rules to obtain a routing list, which is composed of the sorted candidate resource agencies. For example, the candidate resource agencies are sorted in order from large to small according to the success rate of resource outflow, and the candidate resource agency with a higher success rate of resource outflow has a higher ranking in the routing list; or, the candidate resource agencies are sorted in order from small to large according to the overdue rate of resource return, and the candidate resource agency with a lower overdue rate of resource return has a higher ranking in the routing list.

[0038] In this embodiment, after obtaining candidate resource agencies by performing rule detection on user data through running the routing rule script, when there are multiple candidate resource agencies, the routing indicator calculation and sorting can be performed on the multiple candidate resource agencies. In addition, when there is only one candidate resource agency, there is no need to perform the routing indicator calculation and sorting on the candidate resource agency.

[0039] Specifically, in an optional implementation manner provided by this embodiment, after the above-mentioned rule detection is performed on the user data by running the routing rule script of each resource organization to obtain the candidate resource organizations, and before the routing index is calculated according to the historical resource data of each candidate resource organization, and the candidate resource organizations are sorted according to the routing index to obtain the organization routing list, the following processing may also be performed: According to the designated resource organization carried in the routing request, taking the intersection of the designated resource organization and each candidate resource organization; If the number of the obtained intersection resource organizations is greater than 1, the above-mentioned process of calculating the routing index according to the historical resource data of each candidate resource organization and sorting the candidate resource organizations according to the routing index to obtain an organization routing list is executed; If the obtained intersection resource agencies are not empty and the number is less than or equal to 1, the intersection resource agency will be used as the routing resource agency, and cooperate with the routing resource agency to verify the resource application of the applicant to obtain the verification result, or cooperate with the intersection resource agency to verify the resource application of the applicant to obtain the verification result.

[0040] Here, the specific processing procedure of cooperating with the intersection resource agency to verify the resource application of the applicant and obtaining the verification result is similar to the processing procedure of cooperating with the target resource agency to verify the resource application of the applicant and obtaining the verification result provided in the following step S208. Please refer to the specific processing procedure of the resource application verification provided in the following step S208, which will not be repeated here.

[0041] Step S208, according to the target resource institution selected in the institution routing list, cooperating with the target resource institution to verify the resource application of the applicant user and obtain a verification result.

[0042] After the candidate resource organizations are sorted according to the routing indicators to obtain the organization routing list, a candidate resource organization is selected in the organization routing list as the target resource organization for resource application, that is, the target resource organization obtained as routing processing. Specifically, in the process of selecting the target resource organization in the organization routing list, any candidate resource organization in the organization routing list can be selected as the target resource organization. For example, a random algorithm is used to select a candidate resource organization in the organization routing list as the target resource organization; the candidate resource organization ranked first in the organization routing list can also be selected as the target resource organization.

[0043] In specific implementation, after selecting the target resource agency in the agency routing list, the resource application of the applicant is verified by cooperating with the target resource agency. The purpose of resource application verification is to verify whether the applicant will successfully return the resources after obtaining the resources provided by the target resource agency, that is, to verify the possibility of asset loss in the target resource agency. Specifically in the resource application verification process, in order to make the resource application verification more comprehensive and accurate, on the one hand, the corresponding resource application of the applicant is verified on the SaaS platform, and on the other hand, the corresponding resource application of the applicant is verified on the target resource agency side, so as to increase the probability of the applicant successfully returning the resources after the target resource agency provides resources to the applicant.

[0044] Specifically, in an optional implementation manner provided by this embodiment, cooperating with the target resource institution to verify the resource application of the applicant to obtain a verification result includes: Determine the data to be verified in the user data corresponding to the data type of the target resource institution, and send the data to be verified to the target resource institution for access verification; access verification refers to the process in which the target resource institution verifies the applicant user according to its own access rules; After the access verification is passed, the applicant user is subject to risk verification, and after the verification is passed, a risk verification request is sent to the target resource institution to conduct an institutional risk verification on the applicant user to obtain the verification result.

[0045] During the specific execution process, after sending the data to be verified to the target resource agency for access verification, and before sending a risk verification request to the target resource agency after the verification is passed, the routing record of the target resource agency can be recorded for use in calculating the routing indicators of the target resource agency based on the routing record in the subsequent routing processing process. In an optional implementation provided by this embodiment, the routing record of the current target resource agency is recorded in the following manner: based on user data and the access verification result passed, the first route record of the target resource agency is generated and stored.

[0046] In addition, after sending a risk verification request to the target resource agency after verification, the routing record of the target resource agency can also be recorded for use in calculating the routing indicators of the target resource agency based on the routing record during subsequent routing processing. In an optional implementation provided by this embodiment, the routing record of the current target resource agency is recorded in the following manner: If the verification result is that the risk verification is passed, a second route record of the target resource agency is generated and stored based on the user data and the verification result.

[0047] It should be noted that, in the case where there are multiple candidate resource agencies, the routing indicators are calculated based on the historical resource data of each candidate resource agency, and the candidate resource agencies are sorted according to the routing indicators to obtain an agency routing list, and the target resource agency selected in the agency routing list is cooperated with the target resource agency to verify the resource application of the applicant user to obtain a verification result; in addition, there may be a situation where there is only one candidate resource agency. For this, the obtained candidate resource agency can also be directly used as the target resource agency, that is: cooperate with the candidate resource agency to verify the resource application of the applicant user to obtain a verification result. In this case, the routing indicators can be calculated based on the historical resource data of each candidate resource agency, and the candidate resource agencies are sorted according to the routing indicators to obtain an agency routing list, and the target resource agency selected in the agency routing list is cooperated with the target resource agency to verify the resource application of the applicant user to obtain a verification result, which can be replaced by cooperating with the candidate resource agency to verify the resource application of the applicant user to obtain a verification result, and the replaced implementation method can also be combined with other technical means or technical means provided in this embodiment to obtain a corresponding technical solution. Here, the process of cooperating with the candidate resource agency to verify the resource application of the applicant and obtain the verification result can be referred to the specific processing process of the resource application verification provided in the above step S208, which will not be repeated here.

[0048] To summarize, the resource processing method provided in this embodiment, after obtaining the routing request for resource application sent by the third-party agency platform, obtains the user data of the applicant corresponding to the routing request, and on the basis of the routing rule script obtained by helping the resource agency to configure the rules in the middleware service in advance, performs rule detection on the user data by running the routing rule script of each resource agency to obtain candidate resource agencies, further, calculates the routing index according to the historical resource data of each candidate resource agency, and sorts the candidate resource agencies according to the routing index to obtain an agency routing list, and selects the target resource agency from the agency routing list, and finally cooperates with the target resource agency obtained by the routing processing to verify the resource application of the applicant user to obtain the verification result, thereby realizing the routing processing of the resource agency in the resource application process with the help of the regularized routing script, thereby making the routing processing process more flexible and more configurable, and facilitating the regularized routing script configuration according to the needs of the resource agency.

[0049] The following takes the application of a resource processing method provided by this embodiment in a car purchase scenario as an example. Figure 3 , the resource processing method provided in this embodiment is further described, see Figure 3 , a resource processing method applied to a car purchase scenario specifically includes the following steps.

[0050] Step S302, obtaining the user data of the car purchasing user corresponding to the routing request for fund application sent by the third-party institution platform.

[0051] Step S304, detecting whether the car purchasing user meets the whitelist rules of any investment institution by running the whitelist rule script; If yes, execute step S306. If yes, execute step 308 to step S312.

[0052] Step S306: Cooperate with any qualified investment institution to verify the resource application of the car purchasing user and obtain the verification result.

[0053] Step S308, performing access check on user data by running the access condition script of each investment institution to obtain the access investment institution.

[0054] Step S310 , performing resource rule detection on user data by running the resource rule script of each admitted investment institution, and obtaining candidate investment institutions.

[0055] Step S312, detecting whether the routing request carries a designated funding institution; If yes, execute step S314; If not, execute step S316.

[0056] Step S314, taking the intersection of the designated investment institution and each candidate investment institution; If the obtained intersection investment institutions are not empty and the number is less than or equal to 1, cooperate with the intersection investment institutions to verify the resource application of the car purchasing user and obtain the verification result.

[0057] If the number of the obtained intersection investment institutions is greater than 1, step S316 to step S322 are executed.

[0058] Step S316, calculating the routing index according to the historical resource data of each candidate investment institution, and sorting the candidate investment institutions according to the routing index to obtain an institution routing list.

[0059] Step S318: Select the target funding institution in the institution routing list.

[0060] Step S320, determining the data to be verified in the user data corresponding to the data type of the target investment institution, and sending the data to be verified to the target investment institution for access verification.

[0061] Step S322, after the access verification is passed, the risk verification is performed on the car purchasing user, and after the verification is passed, a risk verification request is sent to the target investment institution to perform institutional risk verification on the car purchasing user to obtain a verification result.

[0062] It should be noted that any one of steps S302 to S322 or any combination of multiple steps can be combined with any one of steps S202 to S208 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or multiple technical features can be selected from steps S302 to S322 and combined with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method; or, any one or multiple technical features in steps S302 to S322 can be replaced with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method according to the needs of actual deployment, which will not be elaborated here.

[0063] An embodiment of a resource processing device provided in this specification is as follows: In the above-mentioned embodiment, a resource processing method is provided, and correspondingly, a resource processing device is also provided, which is described below with reference to the accompanying drawings.

[0064] Reference Figure 4 , which shows a schematic diagram of an embodiment of a resource processing device provided in this embodiment.

[0065] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0066] This embodiment provides a resource processing device, the device comprising: The acquisition module 402 is configured to acquire user data of an applicant user corresponding to a routing request for resource application sent by a third-party institution platform; The detection module 404 is configured to perform rule detection on the user data by running the routing rule script of each resource organization to obtain a candidate resource organization; the routing rule script is obtained by configuring the rules in the middleware service; The calculation module 406 is configured to calculate a routing index according to the historical resource data of each candidate resource institution, and sort the candidate resource institutions according to the routing index to obtain an institution routing list; The verification module 408 is configured to verify the resource application of the applicant user in cooperation with the target resource institution selected in the institution routing list to obtain a verification result.

[0067] An embodiment of a resource processing device provided in this specification is as follows: Corresponding to the resource processing method described above, based on the same technical concept, one or more embodiments of this specification further provide a resource processing device, the resource processing device is used to execute the resource processing method provided above, Figure 5 A schematic diagram of the structure of a resource processing device provided in one or more embodiments of this specification.

[0068] This embodiment provides a resource processing device, including: like Figure 5 As shown, the resource processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 501 and memory 502, and the memory 502 may store one or more storage applications or data. Among them, the memory 502 may be a short-term storage or a persistent storage. The application stored in the memory 502 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the resource processing device. Furthermore, the processor 501 may be configured to communicate with the memory 502 and execute a series of computer executable instructions in the memory 502 on the resource processing device. The resource processing device may also include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input / output interfaces 505, one or more keyboards 506, etc.

[0069] In a specific embodiment, the resource processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions in the resource processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following: Obtain the user data of the applicant corresponding to the routing request for resource application sent by the third-party institution platform; By running the routing rule script of each resource organization, the user data is subjected to rule detection to obtain a candidate resource organization; the routing rule script is obtained by configuring the rules in the middleware service; Calculating a routing index according to the historical resource data of each candidate resource institution, and sorting the candidate resource institutions according to the routing index to obtain an institution routing list; According to the target resource institution selected in the institution routing list, the resource application of the applicant is verified in cooperation with the target resource institution to obtain a verification result.

[0070] An embodiment of a computer-readable storage medium provided in this specification is as follows: Corresponding to the resource processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0071] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed: Obtain the user data of the applicant corresponding to the routing request for resource application sent by the third-party institution platform; By running the routing rule script of each resource organization, the user data is subjected to rule detection to obtain a candidate resource organization; the routing rule script is obtained by configuring the rules in the middleware service; Calculating a routing index according to the historical resource data of each candidate resource institution, and sorting the candidate resource institutions according to the routing index to obtain an institution routing list; According to the target resource institution selected in the institution routing list, the resource application of the applicant is verified in cooperation with the target resource institution to obtain a verification result.

[0072] It should be noted that an embodiment of a computer-readable storage medium in this specification and an embodiment of a resource processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0073] An embodiment of a computer program product provided in this specification is as follows: Corresponding to the resource processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer program product.

[0074] A computer program product, comprising a computer program / instruction, which, when executed by a processor, implements the following steps: Obtain the user data of the applicant corresponding to the routing request for resource application sent by the third-party institution platform; By running the routing rule script of each resource organization, the user data is subjected to rule detection to obtain a candidate resource organization; the routing rule script is obtained by configuring the rules in the middleware service; Calculating a routing index according to the historical resource data of each candidate resource institution, and sorting the candidate resource institutions according to the routing index to obtain an institution routing list; According to the target resource institution selected in the institution routing list, the resource application of the applicant is verified in cooperation with the target resource institution to obtain a verification result.

[0075] It should be noted that an embodiment of a computer program product in this specification and an embodiment of a resource processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0076] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referenced to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment, and computer-readable storage medium embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant content in the device embodiment, equipment embodiment, and computer-readable storage medium embodiment, please refer to the partial description of the method embodiment.

[0077] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0078] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0079] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0080] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0081] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0082] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0083] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable resource processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable resource processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0084] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable resource processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0085] These computer program instructions can also be loaded onto a computer or other programmable resource processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0086] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0087] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0088] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0089] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "includes at least one ..." do not exclude the presence of other identical elements in the process, method, commodity or device including the elements.

[0090] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0091] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A resource processing method, comprising: Obtain the user data of the applicant corresponding to the routing request for resource application sent by the third-party institution platform; By running the routing rule script of each resource organization, rule detection is performed on the user data to obtain candidate resource organizations; The routing rule script is obtained by configuring the rules in the middleware service; Calculating a routing index according to the historical resource data of each candidate resource institution, and sorting the candidate resource institutions according to the routing index to obtain an institution routing list; According to the target resource institution selected in the institution routing list, the resource application of the applicant is verified in cooperation with the target resource institution to obtain a verification result.

2. The resource processing method according to claim 1, wherein the step of performing rule detection on the user data by running the routing rule script of each resource organization to obtain a candidate resource organization comprises: Access detection is performed on the user data by running the access condition script of each resource agency to obtain an access resource agency; The candidate resource organization is obtained by running the resource rule script of each access resource organization to perform resource rule detection on the user data.

3. The resource processing method according to claim 2, wherein the access condition script is obtained by configuring the access protocol conditions of the resource mechanism in the first middleware service using a script tool; The resource rule script is obtained by using a script tool to configure the resource rules of the resource mechanism in the second middleware service.

4. The resource processing method according to claim 3, wherein the resource processing method is executed on a SaaS platform; The first middleware service and the second middleware service are provided by middleware deployed on the SaaS platform.

5. The resource processing method according to claim 1, before the step of performing rule detection on the user data by running the routing rule script of each resource organization to obtain the candidate resource organization is performed, it also includes: Detect whether the applicant meets the whitelist rules of any resource institution by running the whitelist rule script; If so, any resource agency that meets the requirements is used as a routing resource agency, and the resource application of the applicant is verified by cooperating with the routing resource agency to obtain a verification result; If not, the step of performing rule detection on the user data by running the routing rule script of each resource organization is executed to obtain a candidate resource organization.

6. The resource processing method according to claim 1, wherein the step of cooperating with the target resource institution to verify the resource application of the applicant to obtain a verification result comprises: Determine the data to be verified in the user data corresponding to the data type of the target resource organization, and send the data to be verified to the target resource organization for access verification; After the access verification is passed, the applicant user is subject to risk verification, and after the verification is passed, a risk verification request is sent to the target resource institution to conduct an institutional risk verification on the applicant user to obtain the verification result.

7. The resource processing method according to claim 6, after the operation of sending the data to be verified to the target resource agency for access verification is executed, and before the operation of sending a risk verification request to the target resource agency after the verification is passed is executed, further comprising: Based on the user data and the access verification result that passes the access verification, a first record of the target resource agency is generated and stored.

8. The resource processing method according to claim 6, wherein after the operation of sending a risk verification request to the target resource institution after the verification is passed is executed, the following operations are performed: If the verification result is that the risk verification is passed, a second record of the target resource agency is generated and stored based on the user data and the verification result.

9. The resource processing method according to claim 1, wherein the step of calculating the routing index based on the historical resource data of each candidate resource organization comprises: Reading the routing records of each candidate resource organization, and extracting the historical resource data from the read routing records; Calculate the resource flow index of each candidate resource institution according to the historical resource data; The resource flow indicators include: resource outflow success rate and / or resource return overdue rate.

10. The resource processing method according to claim 1, after the step of performing rule detection on the user data by running the routing rule script of each resource organization to obtain the candidate resource organization is executed, the method further comprises: According to the designated resource organization carried in the routing request, taking the intersection of the designated resource organization and each candidate resource organization; If the number of the obtained intersection resource agencies is greater than 1, the step of calculating the routing index according to the historical resource data of each candidate resource agency and sorting the candidate resource agencies according to the routing index to obtain an agency routing list is executed; If the obtained intersection resource mechanism is not empty and the number is less than or equal to 1, the intersection resource mechanism is used as the routing resource mechanism, and the resource application of the applicant is verified in cooperation with the routing resource mechanism to obtain a verification result.

11. A resource processing device, comprising: An acquisition module is configured to acquire user data of an applicant corresponding to a routing request for resource application sent by a third-party institution platform; A detection module is configured to perform rule detection on the user data by running the routing rule script of each resource organization to obtain a candidate resource organization; The routing rule script is obtained by configuring the rules in the middleware service; A calculation module is configured to calculate a routing index according to the historical resource data of each candidate resource institution, and to sort the candidate resource institutions according to the routing index to obtain an institution routing list; The verification module is configured to verify the resource application of the applicant user in cooperation with the target resource institution selected in the institution routing list to obtain a verification result.

12. A resource processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Obtain the user data of the applicant corresponding to the routing request for resource application sent by the third-party institution platform; By running the routing rule script of each resource organization, rule detection is performed on the user data to obtain candidate resource organizations; The routing rule script is obtained by configuring the rules in the middleware service; Calculating a routing index according to the historical resource data of each candidate resource institution, and sorting the candidate resource institutions according to the routing index to obtain an institution routing list; According to the target resource institution selected in the institution routing list, the resource application of the applicant is verified in cooperation with the target resource institution to obtain a verification result.

13. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed.

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