Resource scheduling method and device and storage medium
By monitoring the transaction information of the storage account when the automatic resource return fails, the resource return method can be determined, thus solving the problem of users not returning resources in a timely manner and achieving timely return and system resource conservation.
Patent Information
- Application Number
- CN202511265901.8
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-09-05
- Publication Date
- 2025-12-16
AI Technical Summary
Users' failure to return resources in a timely manner may affect their lives. In the current technology, the time for automatically deducting resources is fixed, which may cause users to be unable to return resources in a timely manner, resulting in overdue payments.
If the automatic deduction of resources from the storage account fails at the preset automatic resource return time, monitoring is performed to obtain the transaction information of the storage account, determine the resource return method for the target loan business, deduct resources from the storage account according to the method, and update the resource return status.
It improves the response speed of resource return, ensures that users complete resource return in a timely manner, avoids resource overdue, reduces system resource consumption, and increases the probability of successful return.
Smart Images
Figure CN121146889A_ABST
Abstract
Description
TECHNICAL FIELD
[0001] Embodiments of the present application relate to the technical field of data processing, in particular to the technical field of resource scheduling, and specifically to a resource scheduling method, device and storage medium. BACKGROUND
[0002] With the development of Internet technology, users can realize the rapid circulation of resources through borrowing resources, so that users can more conveniently schedule resources.
[0003] However, if the user fails to return the resources in time, it may affect the user's life. Therefore, how to enable the user to return the resources in time has become a problem to be solved at present. SUMMARY
[0004] Embodiments of the present application provide a resource scheduling method, device and storage medium for ensuring that a user account returns resources in time and avoids overdue. To achieve the above purpose, embodiments of the present application adopt the following technical solutions:
[0005] In a first aspect, a resource scheduling method is provided, which includes: in the case that automatic deduction of resources from a storage account fails at a preset automatic resource return time, the storage account can be monitored. Then, in the case that a change in the resource quota of the storage account is monitored, account information of the storage account is obtained, and based on a target borrowing business, a resource return mode of the target borrowing business is determined. Then, the resource deduction can be performed on the storage account according to the resource return mode of the target borrowing business, and the resource return state of a borrowing account associated with the storage account is updated, the borrowing account being an account using the target borrowing business. The account information includes: a target borrowing business associated with the storage account, the target borrowing business being a borrowing business subscribing to a monitored resource return function.
[0006] In this way, in the case that automatic deduction of resources from a storage account fails at a preset automatic resource return time, the storage account is monitored, which can save system resources. In the case that a change in the resource quota of the storage account is monitored, the account information of the storage account can be immediately obtained, so as to determine and based on the account information, determine a target borrowing business associated with the storage account, to determine the resource return mode of the target borrowing business. Then, the resource deduction can be performed on the storage account according to the resource return mode of the target borrowing business, and the resource return state of a borrowing account associated with the storage account is updated. In this way, the response speed of resource return can be improved, and the user can be assisted to complete the resource return in time, avoiding the user's overdue resource return.
[0007] In a possible implementation manner of the first aspect, the resource scheduling method further includes: in each preset sub-time period of the scheduling period, the storage account can be automatically deducted with resources at the preset automatic resource return time, for the to-be-returned resource quota corresponding to the scheduling period. One preset sub-time period includes one preset automatic resource return time, and one scheduling period includes a plurality of preset sub-time periods and a plurality of preset automatic resource return times.
[0008] In this way, by dividing one scheduling period into a plurality of preset sub-time periods and performing an automatic resource deduction operation in each preset sub-time period, the storage account can be automatically deducted with resources at a plurality of times, and the probability of successful resource return by the user is increased.
[0009] In another possible implementation manner of the first aspect, the account information includes: a remaining quota of the storage account. Before the storage account is deducted with resources according to the resource return manner of the target borrowing business, the resource scheduling method further includes: in a case where the remaining quota of the storage account meets a resource deduction condition, it is determined whether the current time is before a latest resource return time in the scheduling period. The preset automatic resource return time is before the latest resource return time. The storage account is deducted with resources according to the resource return manner of the target borrowing business, including: if the current time is before the latest resource return time, the storage account is deducted with resources according to the resource return manner of the target borrowing business; if the current time is after the latest resource return time, overdue resource return information of the target borrowing business is determined based on the target borrowing business, the overdue resource return information being used to indicate whether the target borrowing business supports resource return after the latest resource return time. In a case where the overdue resource return information indicates that the target borrowing business supports resource return after the latest resource return time, the storage account is deducted with resources according to the resource return manner of the target borrowing business.
[0010] In this way, by determining whether the current time is after the latest resource return time, it can be determined according to the target borrowing business whether the target borrowing business supports resource return after the latest resource return time, so that resources can be returned when the target borrowing business supports resource return, and thus the storage account can be accurately deducted with resources.
[0011] In a possible implementation form of the first aspect, the resource scheduling method further comprises: in a scheduling period, after the resource deduction on the storage account according to the resource return mode of the target lending business, the current monitoring number is decremented by 1. Then, in the case that the monitoring number is 0, the monitoring resource return function for the target lending business is cancelled. Wherein, the current monitoring number is the monitoring number of the monitoring resource return function subscribed by the target lending business at the current time, and the initial value of the current monitoring number is a preset value or determined in response to a configuration operation, and one scheduling period corresponds to one monitoring number.
[0012] In this way, the monitoring number of the target lending business can be recorded and updated in real time, avoiding the problem of information asynchronization caused by data delay, and improving the credibility of the system.
[0013] In a possible implementation form of the first aspect, the resource return mode comprises at least one of the following: interest after principal, principal after interest, and full resource return. Wherein, the interest after principal refers to returning the principal of the resource in a first preset time period, and returning the interest of the principal of the resource in a second preset time period. The principal after interest refers to returning the interest of the principal of the resource in a third preset time period, and returning the principal of the resource in a fourth preset time period. The full resource return refers to returning the interest of the principal of the resource and the principal of the resource at the same time. The first preset time period is before the second preset time period, and the third preset time period is before the fourth preset time period.
[0014] It can be understood that the plurality of resource return modes can meet the diversified needs of users, so that users can select the corresponding target lending business according to their actual needs, and users can use the target lending business more conveniently.
[0015] In a possible implementation form of the first aspect, the number of target lending businesses is multiple, and the business types of the target lending businesses are multiple. The resource deduction on the storage account according to the resource return mode of the target lending business comprises: the priority information of the multiple business types can be obtained, and the priority information is used to indicate the resource return priority of the business type. Then, the target resource return order can be determined based on the priority information of the multiple business types. Then, the resource deduction on the storage account can be performed according to the target resource return order and the resource return mode of each target lending business.
[0016] It can be understood that in the case that the lending account corresponds to multiple target lending businesses, the resource deduction on the storage account can be performed according to the resource return priority of the business type and the corresponding return order, so that important target lending businesses can be processed preferentially, and the loss of users can be reduced.
[0017] In a possible implementation of the first aspect, the account change information further includes: target service information code, the target service information code being used to indicate service usage information of the target user. The resource deduction from the storage account according to the resource return mode of the target borrowing service includes: obtaining a resource-to-return account based on the service information code. Then, in a case where the resource-to-return account is the same as the storage account, the resource deduction from the storage account according to the resource return mode of the target borrowing service is performed.
[0018] It can be understood that, by obtaining the resource-to-return account based on the service information code and comparing the resource-to-return account with the storage account, the accuracy and security of the resource return can be improved.
[0019] In a possible implementation of the first aspect, the resource scheduling method further includes: in a case where a monitoring function subscription request is obtained, it is determined whether the target borrowing service subscribes to the monitoring resource return function. The monitoring function subscription request is used to subscribe to the monitoring resource return function, and the monitoring resource return function is used to indicate that the storage account is monitored in a case where the automatic resource deduction from the storage account fails at the preset automatic resource return time. In a case where the target borrowing service does not subscribe to the monitoring resource return function, the target borrowing service is subscribed to the monitoring resource return function. In a case where a service monitoring cancellation request is obtained, it is determined whether the target borrowing service subscribes to the monitoring resource return function. The service monitoring cancellation request is used to indicate that the monitoring resource return function subscribed by the target borrowing service is cancelled. Then, in a case where the target borrowing service subscribes to the monitoring resource return function, the monitoring resource return function subscribed by the target borrowing service is cancelled. It can be understood that, in a case where the target borrowing service does not subscribe to the monitoring resource return function, the target borrowing service is subscribed to the monitoring resource return function, so that the monitoring of the storage account can be avoided. In a case where the service monitoring cancellation request is obtained, it is first determined whether the target borrowing service subscribes to the monitoring resource return function, so that the monitoring resource return function subscribed by the target borrowing service can be more accurately cancelled.
[0020] In a second aspect, a resource scheduling apparatus is provided, and the apparatus includes:
[0021] A monitoring module is configured to monitor the storage account in a case where the automatic resource deduction from the storage account fails at the preset automatic resource return time.
[0022] An obtaining module is configured to obtain account change information of the storage account in a case where a change in a resource quota of the storage account is monitored, the account change information including: a target borrowing service associated with the storage account, the target borrowing service being a borrowing service that subscribes to the monitoring resource return function.
[0023] The processing module is configured to determine a resource return mode of the target lending service based on the target lending service.
[0024] The processing module is further configured to deduct the resource of the storage account according to the resource return mode of the target lending service, and update a resource return state of a lending account associated with the storage account, the lending account being an account using the target lending service.
[0025] In a third aspect, a server is provided, which includes a memory and at least one processor. The memory is in communication with the processor. The memory is configured to store computer program code including computer instructions. When the processor executes the computer instructions, the server performs the method according to the first aspect and any possible implementation manner thereof.
[0026] In a fourth aspect, a computer readable storage medium is provided, which stores computer instructions. When the computer instructions are executed by a processor, the method according to the first aspect and any possible implementation manner thereof is implemented.
[0027] In a fifth aspect, a computer program product is provided. When the computer program product is run on a computer / executed by a processor of the computer, the method according to the first aspect and any possible implementation manner thereof is implemented. The computer can be the resource scheduling apparatus according to the second aspect and any possible implementation manner thereof.
[0028] It can be understood that the beneficial effects achieved by the resource scheduling apparatus according to the second aspect, the server according to the third aspect, the computer readable storage medium according to the fourth aspect, and the computer program product according to the fifth aspect can refer to the beneficial effects according to the first aspect and any possible implementation manner thereof, which will not be described herein. BRIEF DESCRIPTION OF DRAWINGS
[0029] Figure 1 FIG. 3 is a structural schematic diagram of a server according to an embodiment of the present application;
[0030] Figure 2 FIG. 4 is a flowchart of a resource scheduling method according to an embodiment of the present application;
[0031] Figure 3 FIG. 5 is a flowchart of another resource scheduling method according to an embodiment of the present application;
[0032] Figure 4 FIG. 6 is a flowchart of another resource scheduling method according to an embodiment of the present application;
[0033] Figure 5Another resource scheduling method provided in the embodiments of the present application is shown in the flowchart.
[0034] Figure 6 Another resource scheduling method provided in the embodiments of the present application is shown in the flowchart.
[0035] Figure 7 A structure diagram of a resource scheduling device provided in the embodiments of the present application is shown.
[0036] Figure 8 A structure diagram of a server provided in the embodiments of the present application is shown. DETAILED DESCRIPTION
[0037] Hereinafter, the terms "first" and "second" are used only for the purpose of description, and cannot be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined with "first" and "second" can explicitly or implicitly include one or more of the features. In the description of the embodiments, the meaning of "a plurality of" is two or more, unless otherwise specified.
[0038] The exemplary embodiments will be described in detail below with reference to the accompanying drawings. In the following description, the same numbers refer to the same or similar elements unless otherwise specified. The embodiments described in the following exemplary embodiments do not represent all the embodiments consistent with the present application. Rather, they are merely examples of devices and methods consistent with some aspects of the present application, as detailed in the appended claims.
[0039] In the technical solutions provided in the embodiments of the present application, the collection, storage, use, processing, transmission, provision and disclosure of information such as financial data or user data, etc. comply with the relevant legal regulations and do not violate public order and good customs.
[0040] It should be noted that in the embodiments of the present application, some existing industry solutions, such as software, modules, models, etc. may be mentioned, which should be considered as exemplary, and the purpose is only to illustrate the feasibility of the implementation of the technical solutions of the present application, but it does not mean that the applicant has or will necessarily use the solution.
[0041] With the development of Internet technology, users can realize the rapid circulation of resources through borrowing resources, so that users can more conveniently schedule resources.
[0042] However, if the user fails to return the resources in time, it may affect the user's life. Therefore, how to enable the user to return the resources in time has become a problem to be solved at present.
[0043] In the prior art, a user can sign an automatic deduction agreement so as to use an automatic deduction service. The user only needs to transfer resources into a storage account before a scheduled time, and the lender can automatically deduct the remaining balance in the storage account through a batch job, so as to return the resources in time and prevent the user from returning the resources overdue. Meanwhile, the process of returning the resources can be simplified, and the user can return the resources conveniently.
[0044] Since the lender usually deducts the remaining balance in the storage account at a preset deduction time (such as early morning), if the user transfers the resources into the storage account within a short time before the deadline for returning the resources, the user may miss the preset deduction time, so as to fail to return the resources in time, thereby causing the user to return the resources overdue.
[0045] In this way, the user may have a dispute with the lender.
[0046] It should be noted that the resources can be virtual currency, actual currency, goods, or real assets, and the present application does not limit this. The lender can be a bank, a hospital, or a borrower, and the present application does not limit this.
[0047] Embodiments of the present application provide a resource scheduling method. In the method, in the case that automatic deduction of resources from a storage account fails at a preset automatic return time, the storage account is monitored, the account information of the storage account can be obtained immediately in the case that the resource balance of the storage account is changed, so as to determine a target lending service associated with the storage account based on the account information, and determine the resource return mode of the target lending service. Then, the resources of the storage account can be deducted according to the resource return mode of the target lending service, and the resource return state of the lending account associated with the storage account is updated. In this way, the response speed of resource return can be improved, and the user can be assisted to complete the resource return in time, thereby avoiding the user from returning the resources overdue.
[0048] It should be noted that the execution subject of the resource scheduling method provided by the present application can be a resource scheduling device. The resource scheduling device can be a server, a CPU in the server, a module for scheduling resources in the server, or a client for scheduling resources in the server.
[0049] It should be noted that the server can be a physical server or a cloud server. The server can be a single server, or can also be a server cluster composed of multiple servers. In some embodiments, the server cluster can also be a distributed cluster. The present disclosure does not limit the specific form of the server.
[0050] The implementation environment of the embodiments of the present application is introduced below.
[0051] As shown in Figure 1 , a server provided by the embodiments of the present application includes a return module and a deduction module.
[0052] The return module is configured to acquire monitoring application information and store the monitoring application related information in a database. The return module is further configured to determine whether the storage account is in a monitored state, and send a monitoring instruction to the deduction module if the storage account is in an unmonitored state. The return module is further configured to determine whether the target lending business subscribes to the monitoring resource return function after acquiring a business cancel monitoring request, and cancel the monitoring resource return function subscribed by the target lending business if the target lending business subscribes to the monitoring resource return function. The return module is further configured to store the account change message in the database for solidification (i.e., write the account change message to the disk), and parse the account change information in the database to obtain a parsing result. The return module is further configured to update the resource return state of the lending account associated with the storage account.
[0053] Optionally, the monitoring application related information includes at least one of the following: a storage account that needs to be monitored, a storage account type, target business information code, valid time of the target lending business, current monitoring times, resource return mode, or resource deduction mode.
[0054] The deduction module is configured to acquire account change information of the storage account if the resource quota of the storage account is changed, and send the account change information to the return module. The deduction module is further configured to acquire a cancel monitoring instruction, and cancel the monitoring of the storage account in response to the cancel monitoring instruction. The deduction module is further configured to deduct the resources of the storage account in an asynchronous and parallel manner.
[0055] In a possible design, as shown in Figure 2 , when the server starts monitoring, the server can call the return module to acquire the monitoring application information and initiate the monitoring process. Then, the server can call the return module to store the monitoring application related information in the database. Then, the server can call the return module to determine whether the storage account is in a monitored state. Then, if the storage account is in a monitored state, the monitoring process is ended; if the storage account is not in a monitored state, a monitoring instruction is sent to the deduction module, and then the monitoring process is ended.
[0056] In another possible design, as shown in Figure 3 , as shown in Figure 3As shown, after the start of the flow, if a change in the resource quota of the storage account is monitored, the server can call the deduction module to send the account adjustment message to the return module. Then, in the case of calling the return module to obtain the account adjustment message, the server can call the return module to store the account adjustment message in the database. Then, the server can query all target lending businesses corresponding to the account adjustment information. Then, the storage account can be deducted in a parallel processing manner according to the resource return mode of each target lending business.
[0057] For example, the server can obtain the lending account and the storage account based on the account adjustment information. Then, the server can verify the storage account to determine whether the storage account is valid. Then, after the storage account verification passes, the server can call the deduction module to deduct the resources of the storage account. Then, the return module can be called to return the resources of the lending account. Then, the record of deducting the resources of the storage account and the record of returning the resources of the lending account can be stored, and the monitoring information can be updated.
[0058] It should be noted that in the process of deducting the resources of the storage account, the specific operations corresponding to different target lending businesses are different.
[0059] In the embodiments of the present application, the server executes the resource scheduling method as an example to illustrate the resource scheduling method provided by the embodiments of the present application.
[0060] As shown in the figure, another resource scheduling method provided by the embodiments of the present application is shown. The method comprises: Figure 4
[0061] S401, in the case of failing to automatically deduct resources of the storage account at the preset automatic resource return time, the storage account is monitored.
[0062] It should be noted that the present application does not limit the preset automatic resource return time. For example, the preset automatic return time can be 1 a.m. of the day, 5:30 a.m. of the day, 12:46 p.m. of the day, 8 p.m. of the day. Alternatively, the preset automatic return time can be the first day of the month, the last day of the month, or the 15th day of the month.
[0063] It should be understood that the storage account is a storage account of the lending object, which is used to store the resources of the lending object.
[0064] It should be noted that if the storage account is monitored at all times, the server needs to send and receive messages in real time and accurately. In this way, it will consume a lot of system resources. Therefore, in the case of failing to automatically deduct resources of the storage account at the preset automatic resource return time, the storage account is monitored, which can ensure that the user can return the resources in time while reducing the consumption of system resources.
[0065] For example, the storage account can be a deposit account of the user.
[0066] S402, in the case that the resource quota of the storage account is changed, obtaining account information of the storage account.
[0067] In the embodiment of the present application, the account information includes: a target lending business associated with the storage account, a target business information code, account funds, and a remaining quota of the storage account. The target lending business is a lending business subscribed to the monitoring resource return function. The target business information code is used to indicate the business use information of the target user. The account funds are used to indicate the funds changed in the storage account.
[0068] It should be noted that the present application does not limit the target lending business. For example, the target lending business can be a resource withdrawal, a resource transfer, a fund payment, a fund allocation business, a financial fund scheduling business, a payment business, or a fund return business.
[0069] Among them, the monitoring resource return function is used to indicate that the storage account is monitored in the case that the automatic deduction of resources of the storage account fails at the preset automatic resource return time.
[0070] S403, determining the resource return mode of the target lending business based on the target lending business.
[0071] In one possible implementation, the server pre-stores a return corresponding relationship between a preset lending business and a resource return mode of the preset lending business. The preset lending business includes: the target lending business. The resource return mode of the preset lending business includes: the resource return mode of the target lending business. Then, the resource return mode of the target lending business can be obtained based on the target lending business and the return corresponding relationship.
[0072] Among them, the resource return mode includes at least one of the following: interest after principal, interest before principal, and full resource return. Wherein, the interest after principal is to return the resource principal in a first preset time period, and to return the interest of the resource principal in a second preset time period. The interest before principal is to return the interest of the resource principal in a third preset time period, and to return the resource principal in a fourth preset time period. The full resource return is to return the interest of the resource principal and the resource principal at the same time. The first preset time period is before the second preset time period, and the third preset time period is before the fourth preset time period.
[0073] It should be noted that the present application does not limit the first preset time period, the second preset time period, the third preset time period, and the fourth preset time period. For example, the first preset time period can be 1 month, 2 months, 3 months, 4 months, or 5 months.
[0074] It can be understood that the plurality of resource return modes can meet the diversified needs of users, so that users can select the corresponding target lending business according to their actual needs, so that users can use the target lending business more conveniently.
[0075] S404, according to the resource return mode of the target lending business, the resource of the storage account is deducted, and the resource return state of the storage account associated with the lending account is updated.
[0076] Among them, the lending account is an account using the target lending business, the number of target lending businesses is multiple, and the business type of the target lending business is multiple.
[0077] In a possible implementation, the priority information of a plurality of business types can be obtained, and the priority information is used to indicate the resource return priority of the business type. Then, the target resource return order can be determined based on the priority information of the plurality of business types. Then, the storage account can be deducted according to the target resource return order and the resource return mode of each target lending business, and the resource return state of the storage account associated with the lending account is updated.
[0078] For example, the resource return mode of the target lending business 1 is first interest and then principal, the resource return mode of the target lending business 2 is first interest and then principal, and the resource return mode of the target lending business 3 is full resource return. If the priority information of the target lending business 1 is 1, the priority information of the target lending business 2 is 2, and the priority information of the target lending business 3 is 1, then the storage account is deducted according to the resource return mode of first interest and then principal, then the storage account is deducted according to the resource return mode of first interest and then principal, and finally the storage account is deducted according to the resource return mode of full resource return.
[0079] It can be understood that in the case that the lending account corresponds to a plurality of target lending businesses, the storage account can be deducted according to the resource return priority of the business type and the corresponding return order, so that important target lending businesses can be processed in priority, and the loss of users can be reduced.
[0080] It should be noted that in the process of deducting the resource of the storage account according to the target resource return order and the resource return mode of each target lending business, the resource to be returned account is obtained through the account information, and the storage account and the resource to be returned account are checked. After the check is passed, the resource of the storage account can be deducted.
[0081] Based on the above technical scheme, in the case that the automatic deduction of resources from the storage account fails at the preset automatic resource return time, the storage account is monitored, the account information of the storage account can be obtained immediately in the case that the resource quota of the storage account changes, so as to determine the target lending business associated with the storage account based on the account information, and determine the resource return mode of the target lending business. Then, the resource deduction can be performed on the storage account according to the resource return mode of the target lending business, and the resource return state of the lending account associated with the storage account is updated. In this way, the response speed of resource return can be improved, and the user can complete the resource return in time, avoiding overdue resource return.
[0082] In some embodiments, the resource deduction on the storage account in S404 includes: obtaining a resource to be returned account based on the business information code. In the case that the resource to be returned account and the storage account are the same, the resource deduction is performed on the storage account according to the resource return mode of the target lending business, and the resource return state of the lending account associated with the storage account is updated.
[0083] It should be noted that the specific form of the business information code is not limited in the present application. For example, the business information code can be a two-dimensional code, a bar code, or a string.
[0084] Optionally, the resource to be returned account can be obtained by parsing the business information code based on a preset coding rule.
[0085] Specifically, the business information code can be field split and metadata mapped based on a preset coding rule to obtain a parsing result, and the parsing result includes at least one of the following: the resource to be returned account, the lending account, the obtaining method of the lending account, the target lending business used by the lending account, and the resource return mode of the target lending business.
[0086] It should be noted that the obtaining method of the lending account can be to obtain the lending account through resource scheduling data containing storage note information. Alternatively, the obtaining method of the lending account can be to query the lending account associated with the storage account through the storage account by calling the transaction query interface of the return module. Alternatively, the obtaining method of the lending account can be to obtain the lending account through the lending contract information.
[0087] Alternatively, the server pre-stores a coding correspondence relationship between the preset business information code and the preset resource to be returned account. The resource to be returned account can be obtained based on the business information code and the coding correspondence relationship.
[0088] The preset business information code includes the business information code, and the preset resource to be returned account includes the resource to be returned account.
[0089] It should be noted that the service information code is often encrypted by a hash algorithm.
[0090] It can be understood that the server can obtain the resource to be returned account through the service information code, and by comparing the resource to be returned account with the storage account, the accuracy and security of resource return can be improved.
[0091] In an embodiment, before S404 is performed, in a case where the remaining balance of the storage account meets the resource deduction condition, it can be determined whether the current time is before the latest resource return time within the scheduling period. The preset automatic resource return time is before the latest resource return time. If the current time is before the latest resource return time, the resource deduction can be performed on the storage account according to the resource return manner of the target lending business. If the current time is after the latest resource return time, the overdue resource return information of the target lending business can be determined based on the target lending business, the overdue resource return information being used to indicate whether the target lending business supports resource return after the latest resource return time. Then, in a case where the overdue resource return information indicates that the target lending business supports resource return after the latest resource return time, the resource deduction can be performed on the storage account according to the resource return manner of the target lending business.
[0092] It should be noted that the present application does not limit the resource deduction condition. For example, the resource deduction condition can be that the remaining balance of the storage account is greater than or equal to the resource amount to be returned by the target lending business. Alternatively, the resource deduction condition can be that the remaining balance of the storage account is greater than or equal to 0.
[0093] It can be understood that by determining whether the current time is after the latest resource return time, it can be determined according to the target lending business whether the target lending business supports resource return after the latest resource return time, so that the resource can be returned when the target lending business supports resource return, and thus the resource deduction on the storage account can be accurately implemented.
[0094] In some embodiments, within the scheduling period, after the resource deduction is performed on the storage account according to the resource return manner of the target lending business, the current monitoring number is reduced by 1, the current monitoring number being the monitoring number of the monitoring resource return function subscribed by the target lending business at the current time, the initial value of the current monitoring number being a preset value or determined in response to a configuration operation, and one scheduling period corresponds to one monitoring number. In a case where the monitoring number is 0, the monitoring resource return function is canceled for the target lending business.
[0095] It should be noted that in the process of reducing the current monitoring number by 1, the monitoring information table needs to be updated, and the monitoring information table includes the current monitoring number.
[0096] Thus, the monitoring times used by the target lending business can be recorded in real time, avoiding the problem of information asynchronization caused by data delay, and improving the credibility of the system.
[0097] In some embodiments, in each preset sub-time period of the scheduling period, the storage account can be automatically deducted with resources at the preset automatic resource return time for the corresponding to-be-returned resource quota of the scheduling period. One preset sub-time period includes one preset automatic resource return time, and one scheduling period includes multiple preset sub-time periods and multiple preset automatic resource return times.
[0098] It should be noted that the present application does not limit the scheduling period. For example, the scheduling period can be one day, one week, one month, or one year. The present application does not limit the preset sub-time period. For example, the preset sub-time period can be 3 hours, 12 hours, 1 day, or 1 month.
[0099] It can be understood that dividing one scheduling period into multiple preset sub-time periods and performing an automatic resource deduction operation in each preset sub-time period can automatically deduct resources from the storage account at multiple times, thereby increasing the probability of successful resource return by the user.
[0100] In some embodiments, upon obtaining the monitoring function subscription request, it can be determined whether the target lending business subscribes to the monitoring resource return function. The monitoring function subscription request is used to subscribe to the monitoring resource return function. Thereafter, in the case that the target lending business does not subscribe to the monitoring resource return function, the target lending business can be subscribed to the monitoring resource return function.
[0101] In some embodiments, upon obtaining the business monitoring cancellation request, it can be determined whether the target lending business subscribes to the monitoring resource return function. The business monitoring cancellation request is used to indicate the cancellation of the monitoring resource return function of the target lending business. Thereafter, in the case that the target lending business subscribes to the monitoring resource return function, the monitoring resource return function subscribed by the target lending business can be cancelled.
[0102] It should be noted that the resource deduction account bound by the target lending business is the storage account.
[0103] For example, Figure 5As shown, after obtaining the monitoring function subscription request, it can be determined whether the storage account bound to the target lending business is valid. If the storage account is invalid, the monitoring process is directly ended. If the storage account is valid, it can be determined whether the storage account is bound to other target lending businesses. If the storage account is bound to other target lending businesses, only the monitoring resource return function of the target lending business subscription is cancelled, and the monitoring process is ended. If the storage account is not bound to other target lending businesses, the monitoring resource return function of the target lending business subscription is cancelled, and the monitoring of the storage account is cancelled. Then, the monitoring process is ended.
[0104] It should be understood that only one valid monitoring application can exist for the same storage account under the same target lending business, and multiple target lending businesses of the same storage account only need to be monitored once.
[0105] The storage account is associated with a lending account, and the target lending business subscription used by the lending account has an automatic resource deduction function. The automatic resource deduction function is used to indicate automatic deduction of resources from the storage account at a preset automatic resource return time.
[0106] It can be understood that in the case where the target lending business does not subscribe to the monitoring resource return function, subscribing to the monitoring resource return function for the target lending business can avoid missing the monitoring of the storage account. In the case where the business cancels the monitoring request is obtained, it can be determined whether the target lending business subscribes to the monitoring resource return function, so as to more accurately cancel the monitoring resource return function subscribed by the target lending business.
[0107] In some embodiments, after the automatic deduction of resources from the plurality of storage accounts at the preset automatic resource return time, a plurality of automatic deduction results can be obtained, the automatic deduction result being used to indicate whether the automatic deduction of resources is successful. Then, based on the automatic deduction result, a storage account for which the automatic deduction of resources fails can be obtained.
[0108] In some embodiments, the account information includes a resource to be returned account. In the case where the resource to be returned account is the same as the storage account, the storage account can be directly subjected to resource deduction according to the resource return mode of the target lending business.
[0109] The present application will be described below in conjunction with specific examples.
[0110] For example, Figure 6As shown, after the start of the flow, the borrowing account can be obtained based on the account information. Then, the borrowing information can be queried based on the borrowing account to confirm whether the storage account and the resource to be returned account are the same. Then, in the case where the storage account and the resource to be returned account are the same, the resource return pre-checking flow is entered. Then, the resource return pre-checking can be performed first, and after the resource return pre-checking is passed, the unilateral resource deduction of the storage account is performed, and the resource return of the borrowing account is performed, and the resource return pre-checking flow ends. Then, the resource scheduling flow (i.e. the record of the resource deduction of the storage account and the record of the resource return of the borrowing account) can be recorded. Then, the monitoring information can be updated.
[0111] Figure 7 A structural schematic diagram of a resource scheduling device provided by an embodiment of the present application is shown in the figure. Figure 7 As shown, the resource scheduling device includes a monitoring module 701, an acquisition module 702, and a processing module 703.
[0112] The monitoring module 701 is configured to monitor the storage account in the case where the automatic deduction of resources of the storage account fails at the preset automatic resource return time.
[0113] The acquisition module 702 is configured to acquire the account information of the storage account in the case where the resource quota of the storage account is changed, and the account information includes a target borrowing service associated with the storage account, and the target borrowing service is a borrowing service that subscribes to the monitoring resource return function.
[0114] The processing module 703 is configured to determine the resource return mode of the target borrowing service based on the target borrowing service.
[0115] The processing module 703 is further configured to deduct resources from the storage account according to the resource return mode of the target borrowing service, and update the resource return state of the borrowing account associated with the storage account, and the borrowing account is an account using the target borrowing service. In other embodiments, the processing module 703 is further configured to automatically deduct resources from the storage account at the preset automatic resource return time in each preset sub-time period of a scheduling period for the resource quota to be returned corresponding to the scheduling period. One preset sub-time period includes one preset automatic resource return time, and one scheduling period includes a plurality of preset sub-time periods and a plurality of preset automatic resource return times.
[0116] In other embodiments, the above-mentioned account information includes the remaining quota of the storage account.
[0117] The processing module 703 is further configured to, before deducting the resource of the storage account according to the resource return manner of the target lending business, determine whether the current time is before the latest resource return time in the scheduling period in a case where the remaining balance of the storage account meets the resource deduction condition. The preset automatic resource return time is before the latest resource return time.
[0118] The processing module 703 is further configured to, if the current time is before the latest resource return time, deduct the resource of the storage account according to the resource return manner of the target lending business.
[0119] The processing module 703 is further configured to, if the current time is after the latest resource return time, determine overdue resource return information of the target lending business based on the target lending business, the overdue resource return information being used to indicate whether the target lending business supports resource return after the latest resource return time.
[0120] The processing module 703 is further configured to, in a case where the overdue resource return information indicates that the target lending business supports resource return after the latest resource return time, deduct the resource of the storage account according to the resource return manner of the target lending business.
[0121] In some other embodiments, the processing module 703 is further configured to, after deducting the resource of the storage account according to the resource return manner of the target lending business in the scheduling period, decrease the current monitoring number by 1, the current monitoring number being a monitoring number of the monitoring resource return function subscribed by the target lending business at the current time, the initial value of the current monitoring number being a preset value or determined in response to a configuration operation, and one scheduling period corresponding to one monitoring number.
[0122] The processing module 703 is further configured to, in a case where the monitoring number is 0, cancel the monitoring resource return function for the target lending business.
[0123] In some other embodiments, the resource return manner includes at least one of the following: interest first and principal second, principal first and interest second, and full resource return. The interest first and principal second refers to returning the resource principal in a first preset time period and returning the interest of the resource principal in a second preset time period. The principal first and interest second refers to returning the interest of the resource principal in a third preset time period and returning the resource principal in a fourth preset time period. The full resource return refers to returning the interest of the resource principal and the resource principal at the same time. The first preset time period is before the second preset time period, and the third preset time period is before the fourth preset time period.
[0124] In some other embodiments, the number of target lending businesses is multiple, and the number of business types of the target lending businesses is multiple.
[0125] The obtaining module 702 is further configured to obtain priority information of a plurality of service types, the priority information being used to indicate resource return priority of the service types.
[0126] The processing module 703 is further configured to determine a target resource return sequence based on the priority information of the plurality of service types.
[0127] The processing module 703 is further configured to deduct resources from the storage account according to the target resource return sequence and the resource return manner of each target borrowing service.
[0128] In some other embodiments, the account information further includes target service information code, the target service information code being used to indicate service usage information of the target user.
[0129] The processing module 703 is further configured to obtain a resource-to-return account based on the service information code.
[0130] The processing module 703 is further configured to deduct resources from the storage account according to the resource return manner of the target borrowing service in a case where the resource-to-return account and the storage account are the same.
[0131] In some other embodiments, the processing module 703 is further configured to determine whether the target borrowing service subscribes to a monitoring resource return function in a case where a monitoring function subscription request is obtained. The monitoring function subscription request is used to subscribe to the monitoring resource return function, and the monitoring resource return function is used to indicate that the storage account is monitored in a case where automatic deduction of resources from the storage account fails at a preset automatic resource return time.
[0132] The processing module 703 is further configured to subscribe the target borrowing service to the monitoring resource return function in a case where the target borrowing service does not subscribe to the monitoring resource return function.
[0133] The processing module 703 is further configured to determine whether the target borrowing service subscribes to the monitoring resource return function in a case where a service monitoring cancellation request is obtained. The service monitoring cancellation request is used to indicate cancellation of the monitoring resource return function to which the target borrowing service subscribes.
[0134] The processing module 703 is further configured to cancel the monitoring resource return function to which the target borrowing service subscribes in a case where the target borrowing service subscribes to the monitoring resource return function.
[0135] Figure 8 A structural schematic diagram of a server is provided in the embodiments of the present application. As shown in the structural schematic diagram of the server, Figure 8 the server includes a memory 801 and at least one processor 802.
[0136] The memory 801 is configured to store computer program code including computer instructions. The computer instructions run in the server to implement the method shown in the method embodiments. For example, the memory can include a random access memory (RAM), and can also include a non-volatile memory (NVM), such as at least one disk memory, and can also be a U disk, a mobile hard disk, a read-only memory, a magnetic disk or an optical disk, etc.
[0137] The processor 802 can be a general processor, including a central processing unit (CPU), a network processor (NP), etc.; can also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic device, a discrete gate or transistor logic device, a discrete hardware module. The processor 802 can also be other general processors. The general processor can be a microprocessor or the processor can also be any conventional processor, etc.
[0138] The memory 801 and the processor 802 are in communication connection. For example, the memory 801 can be connected with the processor 802 through a system bus and complete mutual communication. The system bus can be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus, an industry standard architecture (ISA) bus, etc. The system bus can be divided into an address bus, a data bus, a control bus, etc. For the convenience of representation, only one thick line is shown in the figure, but it does not mean that there is only one bus or only one type of bus.
[0139] Optionally, the memory 801 can be independent or integrated with the processor 802. When the memory 801 is independently arranged, the memory 801 and the processor 802 are connected through a system bus.
[0140] The embodiment of the present application also provides a chip for running instructions, which is used to execute the technical scheme of the resource scheduling method in the above embodiments.
[0141] The embodiment of the present application further provides a computer readable storage medium, which stores computer instructions. When the computer instructions are executed by a processor, the technical solution of the resource scheduling method in the above embodiment is implemented. Specifically, when the computer instructions are executed by the processor, the server can execute the technical solution of the resource scheduling method in the above embodiment.
[0142] The embodiment of the present application further provides a computer program product, which comprises a computer program stored in a computer readable storage medium. At least one processor can read the computer program from the computer readable storage medium, and when the at least one processor executes the computer program, the technical solution of the resource scheduling method in the above embodiment can be implemented.
[0143] The computer readable storage medium can be implemented by any type of volatile or nonvolatile storage devices or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk or optical disk. The computer readable storage medium can be any available medium that can be accessed by a general or special purpose computer.
[0144] An exemplary computer readable storage medium is coupled to the processor, so that the processor can read information from the storage medium and write information to the computer readable storage medium. Of course, the computer readable storage medium can also be an integral part of the processor. The processor and the computer readable storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the computer readable storage medium can also exist as discrete modules in an electronic control unit or a host device, and the embodiment of the present application does not limit this.
[0145] In several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other manners. For example, the division of the above-described device embodiments is merely a logical function division, and there can be another division manner for the actual implementation, for example, multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the displayed or discussed mutual couplings or direct couplings or communication connections between different modules can be indirect couplings or communication connections through some interfaces, devices or modules, and can be electrical, mechanical or in other forms.
[0146] The modules illustrated as separated components can or can not be physically separated, and the components illustrated as modules can or can not be physical units, i.e., can be located in one place, or can be distributed on multiple network units. Some or all of the modules can be selected according to actual needs to implement the embodiments of the present application.
[0147] In addition, each functional module in the embodiments of the present application can be integrated in one processing unit, or each module can be physically present separately, or two or more modules can be integrated in one unit. The above-mentioned units can be implemented in the form of hardware, or in the form of hardware plus software functional units.
[0148] The integrated modules implemented in the form of software functional modules can be stored in a computer readable storage medium. The software functional modules stored in the storage medium include a plurality of instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the embodiments of the present application.
[0149] It should be understood that the steps of the method disclosed in the embodiments of the present application can be directly embodied as hardware processor execution, or executed by a combination of hardware and software modules in the processor.
[0150] Those of ordinary skill in the art can understand that all or part of the above-mentioned method embodiments can be completed by program instruction related hardware. The foregoing program can be stored in a computer readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the foregoing storage medium includes: ROM, RAM, magnetic disk or optical disk, and various media that can store program codes.
[0151] Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, but not to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: it can still modify the technical solutions recorded in the foregoing embodiments, or make equivalent replacement for part or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.
Claims
1. A resource scheduling method, characterized in that, The resource scheduling method includes: If the automatic deduction of resources from the storage account fails during the preset automatic resource return time, the storage account will be monitored. If a change in the resource limit of the storage account is detected, the transaction information of the storage account is obtained. The transaction information includes: the target borrowing business associated with the storage account, wherein the target borrowing business is the borrowing business that subscribes to the monitoring resource return function. Based on the target borrowing business, determine the resource return method for the target borrowing business; According to the resource return method of the target borrowing service, the storage account is deducted resources, and the resource return status of the borrowing account associated with the storage account is updated. The borrowing account is the account that uses the target borrowing service.
2. The resource scheduling method according to claim 1, characterized in that, The resource scheduling method further includes: Within each preset sub-time period of the scheduling cycle, resources are automatically deducted from the storage account for the amount of resources to be returned corresponding to the scheduling cycle at the preset automatic resource return time; wherein, one preset sub-time period includes one preset automatic resource return time, and one scheduling cycle includes multiple preset sub-time periods and multiple preset automatic resource return times.
3. The resource scheduling method according to claim 2, characterized in that, The transaction information includes: the remaining balance of the storage account; before deducting resources from the storage account according to the resource return method of the target loan business, the resource scheduling method further includes: If the remaining quota of the storage account meets the resource deduction conditions, determine whether the current time is before the latest resource return time within the scheduling period; wherein, the preset automatic resource return time is before the latest resource return time; The step of deducting resources from the storage account according to the resource return method for the target borrowing service includes: If the current time is before the latest resource return time, then the storage account will be deducted resources according to the resource return method of the target borrowing service; If the current time is after the latest resource return time, then the overdue resource return information of the target loan business is determined based on the target loan business. The overdue resource return information is used to indicate whether the target loan business supports resource return after the latest resource return time. If the overdue resource return information indicates that the target borrowing service supports resource return after the latest resource return time, the storage account will be deducted resources according to the resource return method of the target borrowing service.
4. The resource scheduling method according to claim 2 or 3, characterized in that, The resource scheduling method further includes: Within the scheduling period, after deducting resources from the storage account according to the resource return method of the target borrowing service, the current monitoring count is reduced by 1. The current monitoring count is the number of times the target borrowing service has subscribed to the monitoring resource return function at the current moment. The initial value of the current monitoring count is a preset value or determined in response to the configuration operation. One scheduling period corresponds to one monitoring count. If the number of monitoring sessions is 0, the monitoring resource return function will be cancelled for the target borrowing service.
5. The resource scheduling method according to any one of claims 1-3, characterized in that, Resource return methods include at least one of the following: principal first, interest later; interest first, principal later; or full resource return. Wherein, "principal first, interest later" means returning the principal of the resource in a first preset time period and returning the interest on the principal of the resource in a second preset time period; "interest first, principal later" means returning the interest on the principal of the resource in a third preset time period and returning the principal of the resource in a fourth preset time period; "full resource return" means returning both the interest on the principal of the resource and the principal of the resource simultaneously; the first preset time period is before the second preset time period, and the third preset time period is before the fourth preset time period.
6. The resource scheduling method according to any one of claims 1-3, characterized in that, The number of target loan applications is multiple, and the types of target loan applications are multiple; the process of deducting resources from the storage account according to the resource return method of the target loan applications includes: Obtain priority information for multiple service types, wherein the priority information is used to indicate the resource return priority for the service type; The order of returning target resources is determined based on the priority information of multiple business types. Resources are deducted from the storage account according to the order of return of the target resources and the method of return of resources for each target borrowing service.
7. The resource scheduling method according to any one of claims 1-3, characterized in that, The transaction information further includes: a target business information code, which indicates the target user's business usage information; the step of deducting resources from the storage account according to the resource return method of the target borrowing business includes: Based on the aforementioned business information encoding, the account for which resources are to be returned is obtained; If the resource-to-be-returned account and the storage account are the same, the resources will be deducted from the storage account according to the resource return method of the target borrowing service.
8. The resource scheduling method according to any one of claims 1-3, characterized in that, The resource scheduling method further includes: Upon receiving a monitoring function subscription request, determine whether the target borrowing service subscribes to the monitoring resource return function; the monitoring function subscription request is used to subscribe to the monitoring resource return function, and the monitoring resource return function is used to indicate that if the automatic deduction of resources from the storage account fails at the preset automatic resource return time, the storage account will be monitored; If the target borrowing service has not subscribed to the monitoring resource return function, subscribe to the monitoring resource return function for the target borrowing service; Upon receiving a service cancellation monitoring request, determine whether the target borrowing service has subscribed to the monitoring resource return function; the service cancellation monitoring request is used to instruct the cancellation of the monitoring resource return function subscribed to by the target borrowing service; If the target borrowing service subscribes to the monitoring resource return function, cancel the monitoring resource return function of the target borrowing service subscription.
9. A resource scheduling device, characterized in that, include: The monitoring module is used to monitor the storage account when the automatic deduction of resources from the storage account fails during the preset automatic resource return time. The acquisition module is used to acquire the transaction information of the storage account when the resource limit of the storage account is detected to have changed. The transaction information includes: the target borrowing business associated with the storage account, wherein the target borrowing business is the borrowing business that subscribes to the monitoring resource return function. The processing module is used to determine the resource return method for the target borrowing service based on the target borrowing service. The processing module is also used to deduct resources from the storage account according to the resource return method of the target borrowing service, and update the resource return status of the borrowing account associated with the storage account, wherein the borrowing account is the account that uses the target borrowing service.
10. A server, characterized in that, include: A memory and at least one processor; the memory is communicatively connected to the processor; the memory is used to store computer program code, the computer program code including computer instructions; when the processor executes the computer instructions, it causes the server to perform the resource scheduling method as described in any one of claims 1-8.
11. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions that, when executed by a processor, are used to implement the resource scheduling method as described in any one of claims 1-8.
12. A computer program product, characterized in that, When the computer program product is run on a computer / executed by the computer's processor, the resource scheduling method as described in any one of claims 1-8 is implemented.