Resource allocation method and device

Abstract

The embodiment of the invention provides a resource allocation method and device, and the method comprises the steps: enabling a target platform to respond to a resource request of a target account, obtaining the resource information of the target account in a historical time range from a block chain, and obtaining a resource information set; the target platform determines the total amount of resources capable of being used by the target account according to each piece of resource information in the resource information set; and the target platform allocates resources to the target account according to the total resource amount. According to the method and the device, the problem of resource abuse caused by the fact that the resource flow direction cannot be traced in related technologies is solved, and the effect of effectively supervising the resource flow direction is further achieved.

Description

Technical Field

[0001] The embodiments of the present invention relate to the computer field, and in particular, to a method and device for allocating resources. Background Art

[0002] The main business of consumer finance companies (hereinafter referred to as "consumer finance companies") is to provide loans for consumption purposes to individuals living in China. At present, when consumer finance companies issue loan funds, they mainly issue them directly from consumer finance company accounts to customers through banks or third-party payment institutions, making it impossible for consumer finance companies to monitor the flow of funds for the entire transaction, and it is difficult to supervise and guarantee the flow and use of funds.

[0003] There is currently no effective solution to the above problems. Summary of the invention

[0004] The embodiments of the present invention provide a method and device for allocating resources, so as to at least solve the problem of resource abuse caused by the inability to trace the flow of resources in the related art.

[0005] According to one embodiment of the present invention, a method for allocating resources is provided, comprising: a target platform, in response to a resource request of a target account, obtains resource information of the target account within a historical time range from a blockchain to obtain a resource information set; the target platform determines the total amount of resources that can be used by the target account based on each piece of resource information in the resource information set; the target platform allocates resources to the target account based on the total amount of resources.

[0006] In an exemplary embodiment, the target platform obtains the resource information of the target account within a historical time range from the blockchain in response to a resource request of the target account, and obtains a resource information set, including: the target platform searches for the label of the target block in the target mapping relationship to obtain a label set, wherein the resource information of the target account is recorded on the target block; the target platform obtains the resource information of the target account within a historical time range from the blockchain according to each label in the label set to obtain the resource information set.

[0007] In an exemplary embodiment, before the target platform searches for the label of the target block in the target mapping relationship to obtain the label set, the method further includes: a third-party platform obtains the resource information of the target account; the third-party platform stores the resource information of the target account in the target block on the blockchain; and the third-party platform sends the label of the target block to the target platform.

[0008] In an exemplary embodiment, the method further includes: the target platform receiving the label of the target block; and the target platform establishing the target mapping relationship between the label of the target block and the target account.

[0009] In an exemplary embodiment, before the target platform responds to the resource request of the target account, the method further includes: the third-party platform receiving the resource request initiated by the target account; the third-party platform storing the resource request in a first block on the blockchain; and the third-party platform sending the label of the first block to the target platform.

[0010] In an exemplary embodiment, the method further includes: the target platform receiving the label of the first block; and the target platform obtaining the resource request on the first block of the blockchain according to the label of the first block.

[0011] According to another embodiment of the present invention, there is provided a device for allocating resources, which is applied to the target platform in the above embodiment, and includes: an acquisition module, which is used to respond to a resource request of a target account, obtain the resource information of the target account within a historical time range from the blockchain, and obtain a resource information set; a determination module, which is used to determine the total amount of resources that can be used by the target account based on each piece of resource information in the resource information set; and an allocation module, which is used to allocate resources to the target account based on the total amount of resources.

[0012] According to yet another embodiment of the present invention, a computer-readable storage medium is provided, wherein a computer program is stored in the computer-readable storage medium, wherein the computer program implements the steps of any of the above methods when executed by a processor.

[0013] According to yet another embodiment of the present invention, there is provided an electronic device, including a memory and a processor, wherein the memory stores a computer program, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0014] According to yet another embodiment of the present invention, a computer program product is provided, comprising a computer program, wherein when the computer program is executed by a processor, the steps of any of the above methods are implemented.

[0015] Through the present invention, the target platform responds to the resource request of the target account, obtains the resource information of the target account within the historical time range from the blockchain, verifies the target account through the resource information, determines the total amount of resources that can be used by the target account, and directly allocates resources to the target account according to the total amount of resources.

[0016] Since the target platform directly verifies and allocates resources to the target account without going through a third-party platform, it reduces the vulnerability to resource abuse due to the lack of an effective verification mechanism, ensures fair allocation and effective use of resources, and at the same time, through the decentralized nature of blockchain, avoids the over-concentration of power and opaque resource application process due to the serious centralization of a single platform. Therefore, it can solve the problem of resource abuse caused by the inability to trace the flow of resources in related technologies, and achieve the effect of effectively supervising the flow of resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 is a hardware structure block diagram of a computing device according to a method for allocating resources according to an embodiment of the present invention;

[0018] Figure 2 is a flow chart of a method for allocating resources according to an embodiment of the present invention;

[0019] Figure 3 is a flowchart of a blockchain-based lending method according to an embodiment of the present invention;

[0020] Figure 4 is a structural block diagram of an apparatus for allocating resources according to an embodiment of the present invention. DETAILED DESCRIPTION

[0021] Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings and in combination with the embodiments.

[0022] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.

[0023] The target platform and the third-party platform in the method embodiments provided in the embodiments of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Taking running on a computing device as an example, Figure 1 FIG. 1 is a hardware structure block diagram of a computing device for a method for allocating resources according to an embodiment of the present invention. Figure 1 As shown, the computing device may include one or more ( Figure 1 Only one is shown in the figure) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA) and a memory 104 for storing data, wherein the above-mentioned computing device may also include a transmission device 106 and an input / output device 108 for communication functions. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above computing device. Figure 1More or fewer components as shown, or with Figure 1 Different configurations shown.

[0024] The memory 104 can be used to store computer programs, for example, software programs and modules of application software, such as the computer program corresponding to the method for allocating resources in the embodiment of the present invention. The processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, that is, to implement the above method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computing device via a network. Examples of the above network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0025] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computing device. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, referred to as NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0026] In this embodiment, a method for allocating resources running on the above network architecture is provided. Figure 2 is a flow chart of a method for allocating resources according to an embodiment of the present invention. Figure 2 As shown, the process includes the following steps:

[0027] Step S202: The target platform responds to the resource request of the target account and obtains the resource information of the target account within a historical time range from the blockchain to obtain a resource information set;

[0028] The above-mentioned target platform can be an institution or platform that provides resources, such as a bank, a consumer finance company (abbreviated as: consumer finance company), etc. Through the target platform, users can obtain various financial services, including loans, credit cards, financial products, etc.; the above-mentioned target account can be the account used by the user when making a resource request, or it can be the account used by the system or service provider when providing resources to the user. Among them, the setting of the target account is conducive to the control and supervision of user resource access, preventing unauthorized access and abuse, and at the same time, tracking and auditing the user's resource usage to ensure the compliance and security of resource usage; the above-mentioned resource request can be a user's request for the use of resources; the above-mentioned resource information can be the transaction record, asset balance, contract information, etc. of the target account. Through the user's resource information within a historical time range, the activities and asset status of the target account can be better understood, thereby evaluating the credit rating of the target account.

[0029] The above-mentioned blockchain can be an intelligent storage of resource information. The smart contract can include the resource information of the target account, such as storage space, computing power, etc. By storing this information on the blockchain, the security and non-tamperability of the resource information can be ensured, and cross-platform resource sharing and exchange can also be facilitated; after receiving the resource request initiated by the target account, the target platform obtains the resource information of the target account within the historical time range from the blockchain, and obtains the resource information set of the target account, thereby more reliably obtaining and verifying the resource information of the target account through blockchain technology, improving the security and credibility of the resource information, and realizing effective evaluation of the target account.

[0030] Specifically, the target platform searches for the label of the target block in the target mapping relationship to obtain a label set, wherein the target block records the resource information of the target account; the target platform obtains the resource information of the target account within a historical time range from the blockchain according to each label in the label set to obtain the resource information set.

[0031] The above-mentioned target block can be a block on the blockchain that stores the resource information of the target account, and the target block can be one or more; the above-mentioned target mapping relationship can be a mapping relationship between the target account and the label of the target block. Through the target mapping relationship, the label of the target block can be quickly determined and the resource information of the target account can be obtained; based on the target account, the target platform searches for the label of the target block corresponding to the target account in the target mapping relationship, thereby obtaining the resource information of the target account within the historical time range on the blockchain according to the label of the target block, and obtaining a resource information set.

[0032] Optionally, before the target platform responds to the resource request of the target account, the method further includes: the third-party platform receives the resource request initiated by the target account; the third-party platform stores the resource request in a first block on the blockchain; and the third-party platform sends the label of the first block to the target platform.

[0033] The above-mentioned third-party platform can be a cooperative organization or platform that has business dealings with the target platform. For example, when the target platform is a consumer finance company, the third-party platform can be an e-commerce platform, a physical merchant, etc.; the above-mentioned first block can be a block for storing resource requests on the blockchain. By storing resource requests on the blockchain, the security and transparency of resource requests can be guaranteed. At the same time, due to the decentralized nature of the blockchain, resource requests will be publicly stored on the blockchain, and once the resource request is recorded on the blockchain, it is not easy to be tampered with or deleted, and the target platform can view and verify it.

[0034] The user initiates a resource request on the third-party platform through the target account. After receiving the resource request initiated by the user, the third-party platform stores the resource request on the chain in the first block, and sends the block number of the first block to the target platform, so that the target platform can obtain and respond to the user's resource request according to the number of the first platform, and directly allocate resources to the user, thereby ensuring information transparency in the resource request process while reducing the problem of resource abuse due to the lack of an effective verification mechanism.

[0035] Step S204, the target platform determines the total amount of resources that the target account can use according to each piece of resource information in the resource information set;

[0036] The above-mentioned total amount of resources is the amount of resources that can be used by the target account, such as the loan limit of the target account, or the quantity limit of the target account's purchase of products, etc.; based on the resource information of the target account within the historical time range, the credit rating of the target account is evaluated to determine the total amount of resources that can be used by the target account, thereby ensuring resource security while improving resource utilization.

[0037] Step S206: the target platform allocates resources to the target account according to the total amount of resources.

[0038] It should be noted that after the target platform allocates resources to the target account, it needs to store the resource allocation information of the target account on the blockchain and broadcast it to the third-party platform, thereby increasing the transparency of information in the resource application process, ensuring information symmetry between the target platform and the third-party platform, and avoiding trust issues between the target platform and the third-party platform.

[0039] Optionally, the executor of the above steps may be a background processor, or other devices with similar processing capabilities, or a machine that integrates at least an image acquisition device and a data processing device, wherein the image acquisition device may include a graphics acquisition module such as a camera, and the data processing device may include a computer, a mobile phone or other terminal, but is not limited thereto.

[0040] Through the above steps, the third party receives the resource request initiated by the target account, processes the resource request on the chain, and broadcasts it to the target platform. After receiving the third-party broadcast, the target platform obtains and responds to the resource request from the blockchain, obtains the resource information of the target account within the historical time range from the blockchain, verifies the target account through the resource information, determines the total amount of resources that the target account can use, and directly allocates resources to the target account according to the total amount of resources. Through the decentralized characteristics of the blockchain, the excessive concentration of power and the opaque resource application process caused by the serious centralization of a single platform are avoided. At the same time, since the target platform directly verifies and allocates resources to the target account without going through a third-party platform, the vulnerability to resource abuse caused by the lack of an effective verification mechanism is reduced, and the fair allocation and effective use of resources are guaranteed. The problem of resource abuse caused by the inability to trace the flow of resources in related technologies is solved, and the security and traceability of resources are improved. At the same time, it can also better monitor and manage the use of resources, timely discover and prevent resource abuse, and effectively protect the rational use of resources.

[0041] As an optional implementation, before the target platform searches for the label of the target block in the target mapping relationship and obtains the label set, the method also includes: a third-party platform obtains the resource information of the target account; the third-party platform stores the resource information of the target account in the target block on the blockchain; and the third-party platform sends the label of the target block to the target platform.

[0042] The above-mentioned third-party platform can be a cooperative organization or platform that has business dealings with the target platform. For example, when the target platform is a consumer finance company, the third-party platform can be an e-commerce platform, a physical merchant, etc. Taking the e-commerce platform as an example, when the third-party platform is an e-commerce platform, the third-party platform may also include multiple first-level agents, second-level agents, etc. Through the first-level agents and second-level agents, users can shop and make other consumption on the third-party platform; the third-party platform (or the first agent, the second-level agent, etc.) obtains the resource information of the target account, such as consumption information, etc., stores the resource information of the target account in the target block of the blockchain, and sends the label of the target block storing the resource information to the target platform, so that the target platform can obtain the resource information of the target account within the historical time range according to the label of the target block. Storing resource information through blockchain can ensure the immutability of resource information, ensure the validity and transparency of resource information in the resource application process, and thus ensure the fairness and transparency of the resource application process.

[0043] As an optional implementation, the method further includes: the target platform receiving the label of the target block; the target platform establishing the target mapping relationship between the label of the target block and the target account.

[0044] By establishing a target mapping relationship, the target platform can determine the label of the target block where the target account's resource information is stored based on the target account, thereby quickly obtaining the target account's resource information on the blockchain, achieving rapid access and transmission of resource information, and effectively improving the management efficiency and security of the target account's resource information.

[0045] As an optional implementation, the method further includes: the target platform receiving the label of the first block; and the target platform obtaining the resource request on the first block of the blockchain according to the label of the first block.

[0046] As an optional implementation, Figure 3 is a flowchart of a blockchain-based lending method according to an embodiment of the present invention, such as Figure 3 As shown, the specific process is as follows:

[0047] Step S1, user application:

[0048] The user submits a credit application (i.e. resource application, or loan application) on the partner platform (i.e. third-party platform) through the target account and provides necessary personal information.

[0049] Step S2: Partner review and information provision:

[0050] The partner (i.e., the third-party platform) receives the user application and conducts a preliminary review. Once the review is passed, the partner will upload the user information and application details (i.e., resource request) to the chain.

[0051] Step S3, loan approval:

[0052] The consumer finance company (i.e., the target platform) scores the user's credit and approves the loan based on the smart contract terms, order and payment information (i.e., resource information) stored on the blockchain by the third-party platform (including the above-mentioned partners, first-level agents, second-level agents, etc.).

[0053] It should be noted that before the target platform obtains resource information, the following operations need to be performed:

[0054] S31, Agency qualification review: Consumer finance companies conduct qualification reviews on their partners and their agencies, and upload the review results to the chain to ensure the legitimacy and credibility of the agencies.

[0055] S32, Smart contract creation: The consumer finance company creates a smart contract based on user information and loan policies, where the smart contract includes the loan amount, interest rate, repayment plan, default clauses, etc.

[0056] S33, Contract deployment and chaining: Smart contracts are deployed to the blockchain network to ensure that the terms are transparent to all network participants.

[0057] Step S4: Loan issuance:

[0058] After approval, the loan funds are automatically disbursed to the user's account through a smart contract, and the loan status is synchronously stored on the blockchain.

[0059] Through the description of the above implementation methods, those skilled in the art can clearly understand that the method according to the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, a magnetic disk, or an optical disk), and includes a number of instructions for enabling a terminal device (which can be a mobile phone, a computer, a server, or a network device, etc.) to execute the methods described in each embodiment of the present invention.

[0060] In the present embodiment, a device for allocating resources is also provided, and the device is used to implement the above-mentioned embodiment and preferred implementation mode, and the description has been made no further. As used below, the term "module" can implement a combination of software and / or hardware of a predetermined function. Although the device described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware is also possible and conceived.

[0061] Figure 4 is a structural block diagram of a device for allocating resources according to an embodiment of the present invention, such as Figure 4 As shown, the device runs on the target platform in the above method embodiment, including: an acquisition module 402, which is used to respond to the resource request of the target account, obtain the resource information of the target account within the historical time range from the blockchain, and obtain a resource information set; a determination module 404, which is used to determine the total amount of resources that can be used by the target account according to each piece of resource information in the resource information set; an allocation module 406, which is used to allocate resources to the target account according to the total amount of resources.

[0062] In an exemplary embodiment, the device is also used to search for the label of the target block in the target mapping relationship to obtain a label set, wherein the target block records the resource information of the target account; according to each of the labels in the label set, the resource information of the target account within a historical time range is obtained from the blockchain to obtain the resource information set.

[0063] In an exemplary embodiment, the device searches for the label of the target block in the target mapping relationship, and before obtaining the label set, the third-party platform obtains the resource information of the target account; stores the resource information of the target account in the target block on the blockchain; and sends the label of the target block to the target platform.

[0064] In an exemplary embodiment, the apparatus is further configured to receive the label of the target block; and establish the target mapping relationship between the label of the target block and the target account.

[0065] In an exemplary embodiment, before the device responds to the resource request of the target account, the third-party platform is also used to receive the resource request initiated by the target account; store the resource request in the first block on the blockchain; and send the label of the first block to the target platform.

[0066] In an exemplary embodiment, the device is also used for the target platform to receive the label of the first block; the target platform obtains the resource request on the first block of the blockchain according to the label of the first block.

[0067] It should be noted that the above modules can be implemented by software or hardware. For the latter, it can be implemented in the following ways, but not limited to: the above modules are all located in the same processor; or the above modules are located in different processors in any combination.

[0068] An embodiment of the present invention further provides a computer-readable storage medium, in which a computer program is stored. When the computer program is executed by a processor, the steps of any of the above methods are implemented.

[0069] In an exemplary embodiment, the computer-readable storage medium may include, but is not limited to, various media that can store computer programs, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0070] An embodiment of the present invention further provides an electronic device, including a memory and a processor, wherein a computer program is stored in the memory, and the processor is configured to run the computer program to execute the steps in any one of the above method embodiments.

[0071] In an exemplary embodiment, the electronic device may further include a transmission device and an input / output device, wherein the transmission device is connected to the processor, and the input / output device is connected to the processor.

[0072] An embodiment of the present invention further provides a computer program product, including a computer program, which implements the steps of the method described in each embodiment of the present application when executed by a processor.

[0073] For specific examples in this embodiment, reference may be made to the examples described in the above embodiments and exemplary implementation modes, and this embodiment will not be described in detail herein.

[0074] Obviously, those skilled in the art should understand that the above modules or steps of the present invention can be implemented by a general computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order than here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0075] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A method for allocating resources, characterized in that: include: The target platform responds to the resource request of the target account by acquiring the resource information of the target account within a historical time range from the blockchain to obtain a resource information set; The target platform determines the total amount of resources that can be used by the target account according to each piece of resource information in the resource information set; The target platform allocates resources to the target account according to the total amount of resources.

2. The method according to claim 1, characterized in that The target platform, in response to the resource request of the target account, obtains the resource information of the target account within a historical time range from the blockchain, and obtains a resource information set, including: The target platform searches for the label of the target block in the target mapping relationship to obtain a label set, wherein the resource information of the target account is recorded on the target block; The target platform obtains the resource information of the target account within a historical time range from the blockchain according to each of the labels in the label set to obtain the resource information set.

3. The method according to claim 2, characterized in that Before the target platform searches for the label of the target block in the target mapping relationship to obtain the label set, the method further includes: The third-party platform obtains the resource information of the target account; The third-party platform stores the resource information of the target account in a target block on the blockchain; The third-party platform sends the label of the target block to the target platform.

4. The method according to claim 3, characterized in that The method further comprises: The target platform receives the label of the target block; The target platform establishes the target mapping relationship between the label of the target block and the target account.

5. The method according to claim 1, characterized in that Before the target platform responds to the resource request of the target account, the method further includes: The third-party platform receives the resource request initiated by the target account; The third-party platform stores the resource request in a first block on the blockchain; The third-party platform sends the label of the first block to the target platform.

6. The method according to claim 5, characterized in that The method further comprises: The target platform receives the label of the first block; The target platform obtains the resource request on the first block of the blockchain according to the label of the first block.

7. A device for allocating resources, characterized in that: Applicable to target platforms, including: An acquisition module, configured to respond to a resource request of a target account, obtain resource information of the target account within a historical time range from the blockchain, and obtain a resource information set; A determination module, configured to determine the total amount of resources that can be used by the target account according to each of the resource information in the resource information set; An allocation module is used to allocate resources to the target account according to the total amount of resources.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program implements the steps of the method described in any one of claims 1 to 6 when executed by a processor.

9. An electronic device comprising a memory and a processor, characterized in that: A computer program is stored in the memory, and the processor is configured to run the computer program to perform the method according to any one of claims 1 to 6.

10. 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 described in any one of claims 1 to 6 are implemented.

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