Resource processing method and device and computer equipment

Abstract

The invention relates to a resource processing method and device and computer equipment. The method comprises: in response to a resource return request of a user, determining a resource return receipt corresponding to the resource return request, the resource return receipt including a master return receipt and slave return receipts corresponding to resource providers, the master return receipt being generated according to a resource return rule and a total resource application amount, and the slave return receipts being generated according to the resource return rule and the total resource application amount; and updating the resource return document according to the resource return rule and the document attribute information of the resource return document, and returning the total resource of the resource return request to each resource provider according to the resource return rule. By adopting the method, the reliability of resource processing can be improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computer, in particular to a resource processing method, device and computer equipment. BACKGROUND

[0002] With the continuous development of the financial field, in order to ensure the reliability of resource processing, after the user applies for resources from the financial platform, the corresponding resource return document is generated, and the user can update the resource return document in real time according to the resource return condition after returning the resources based on the resource rules, until the resources are returned.

[0003] However, in actual application, there may be a situation that multiple financial platforms cooperate to provide resources, at this time, using a single resource return document to record the resource return condition will cause confusion in recording, thereby reducing the reliability of resource processing. SUMMARY

[0004] Therefore, it is necessary to provide a resource processing method, device and computer equipment capable of improving the reliability of resource processing in view of the above technical problems.

[0005] In a first aspect, the present application provides a resource processing method, comprising:

[0006] In response to a resource return request of a user, determining a resource return document corresponding to the resource return request; wherein the resource return document comprises a main return document and a slave return document corresponding to each resource provider; the main return document is generated according to a resource return rule and a total resource application amount;

[0007] According to the resource return rule and the document attribute information of the resource return document, updating the resource return document; and,

[0008] According to the resource return rule, returning the total resources of the resource return request to each resource provider.

[0009] In one embodiment, before determining the resource return document corresponding to the resource return request of the user in response to the resource return request of the user, the method further comprises:

[0010] In response to a resource application request of a user, generating a resource return document according to each resource provider corresponding to a financial business in the resource application request; issuing resources to the user according to the total resource application amount.

[0011] In one embodiment, issuing resources to the user according to the total resource application amount comprises:

[0012] For each sub-return document, a resource obtaining request is sent to a resource provider corresponding to the sub-return document according to a resource providing amount in the sub-return document; after obtaining the resources provided by each resource provider, the resources are issued to the user according to the total resource application amount.

[0013] In one of the embodiments, the total resources of the resource return request are returned to each resource provider according to the resource return rule, including:

[0014] According to the resource return amount in the resource return request and the proportion of resources provided by each resource provider in the resource return rule, the target resource return amount of each resource provider is determined; for each resource provider, the target resource of the target resource return amount of the resource provider is obtained from the total resources of the resource return request, and the target resource is returned to the resource provider.

[0015] In one of the embodiments, in the case that the document attribute information is a virtual document, the resource return document is updated according to the resource return rule and the document attribute information of the resource return document, including:

[0016] For each sub-return document, the body resource return amount and the additional resource return amount of the sub-return document are calculated according to the resource return rule; the master return document and each sub-return document are updated according to the body resource return amount and the additional resource return amount of each sub-return document.

[0017] In one of the embodiments, the resource return condition includes the total resource return amount; in the case that the document attribute information is an entity document, the resource return document is updated according to the resource return rule and the document attribute information of the resource return document, including:

[0018] According to the resource return rule, the body resource return amount and the additional resource return amount of the master return document are determined; in the case that there is a virtual document in each sub-return document according to the document attribute information, for each entity sub-return document, the body resource return amount and the additional resource return amount of the entity sub-return document are calculated according to the resource return rule; the body resource return amount and the additional resource return amount of the virtual sub-return document are determined according to the body resource return amount and the additional resource return amount of the master return document, and the body resource return amount and the additional resource return amount of each entity sub-return document; the resource return document is updated according to the body resource return amount and the additional resource return amount of the master return document, and the body resource return amount and the additional resource return amount of each sub-return document.

[0019] In one of the embodiments, the method further includes:

[0020] In a case where it is determined according to the bill attribute information that there is no virtual bill in each sub-return bill, for each sub-return bill, the body resource return amount and the additional resource return amount of the sub-return bill are calculated according to the resource return rule; and the body resource return amount and the additional resource return amount of the total return bill and the body resource return amount and the additional resource return amount of each sub-return bill are updated according to the resource return rule.

[0021] In one of the embodiments, the method further comprises:

[0022] In a case where it is determined according to the resource return record and the resource return rule that a rule adjustment event is triggered, the resource return rule is adjusted according to the rule updating mode in the resource return rule; and the to-be-returned resource amount in the resource return bill is updated by using the adjusted resource return rule.

[0023] In a second aspect, the present application further provides a resource processing apparatus, comprising:

[0024] A bill determination module is configured to determine a resource return bill corresponding to a resource return request of a user in response to the resource return request of the user; wherein the resource return bill comprises a main return bill and sub-return bills corresponding to resource providers; and the main return bill is generated according to a resource return rule and a total resource application amount.

[0025] A bill updating module is configured to update the resource return bill according to the resource return rule and bill attribute information of the resource return bill.

[0026] A resource return module is configured to return total resources of the resource return request to the resource providers according to the resource return rule.

[0027] In a third aspect, the present application further provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the following steps when executing the computer program:

[0028] A bill determination module is configured to determine a resource return bill corresponding to a resource return request of a user in response to the resource return request of the user; wherein the resource return bill comprises a main return bill and sub-return bills corresponding to resource providers; and the main return bill is generated according to a resource return rule and a total resource application amount.

[0029] A bill updating module is configured to update the resource return bill according to the resource return rule and bill attribute information of the resource return bill.

[0030] A resource return module is configured to return total resources of the resource return request to the resource providers according to the resource return rule.

[0031] In a fourth aspect, the present application provides a computer readable storage medium, having stored thereon a computer program, which, when executed by a processor, implements the following steps:

[0032] In response to the resource return request of the user, a resource return document corresponding to the resource return request is determined; the resource return document includes a main return document and a slave return document corresponding to each resource provider; the main return document is generated according to a resource return rule and a total resource application amount;

[0033] According to the resource return rule and the document attribute information of the resource return document, the resource return document is updated; and

[0034] According to the resource return rule, the total resource of the resource return request is returned to each resource provider.

[0035] In a fifth aspect, the present application provides a computer program product, comprising a computer program, which, when executed by a processor, implements the following steps:

[0036] In response to the resource return request of the user, a resource return document corresponding to the resource return request is determined; the resource return document includes a main return document and a slave return document corresponding to each resource provider; the main return document is generated according to a resource return rule and a total resource application amount;

[0037] According to the resource return rule and the document attribute information of the resource return document, the resource return document is updated; and

[0038] According to the resource return rule, the total resource of the resource return request is returned to each resource provider.

[0039] The above resource processing method, device and computer equipment introduce a resource return document including a main return document and a slave return document, update the resource return document according to the resource return rule and the document attribute information of the resource return document, and return the total resource of the resource return request to each resource provider according to the resource return rule. Compared with the related art which uses a single resource return document to record the resource return, the above method can ensure the rationality of resource return calculation by updating the resource return document according to the resource return rule and the document attribute information of the resource return document with a main-slave document structure, thereby ensuring the reliability of resource processing. BRIEF DESCRIPTION OF DRAWINGS

[0040] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the related art, the following will briefly introduce the drawings needed to be used in the description of the embodiments of the present application or the related art. Obviously, the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other related drawings can also be obtained on the basis of these drawings without creative effort.

[0041] Figure 1 A flowchart of a resource processing method in an embodiment;

[0042] Figure 2 A flowchart of resource distribution in an embodiment;

[0043] Figure 3 A flowchart of resource return in an embodiment;

[0044] Figure 4 A flowchart of bill update in an embodiment;

[0045] Figure 5 A bill update diagram in an embodiment;

[0046] Figure 6 A flowchart of bill update in another embodiment;

[0047] Figure 7 A bill update diagram in another embodiment;

[0048] Figure 8 A flowchart of updating resource return rules in an embodiment;

[0049] Figure 9 A flowchart of a resource processing method in another embodiment;

[0050] Figure 10 A structural block diagram of a resource processing apparatus in an embodiment;

[0051] Figure 11 An internal structure diagram of a computer device in an embodiment. DETAILED DESCRIPTION

[0052] In order to make the purposes, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and not intended to limit the present application.

[0053] With the continuous development of the financial field, in order to ensure the reliability of resource processing, after the user applies for resources from the financial platform, the corresponding resource return document is generated, and the user can update the resource return document in real time according to the resource return situation after returning the resources based on the resource rules until the resources are returned.

[0054] However, in actual application, there may be a case that multiple financial platforms cooperate to provide resources, at this time, using a single resource return document to record the resource return situation will cause confusion in recording, thereby reducing the reliability of resource processing.

[0055] Therefore, in an exemplary embodiment, a resource processing method is provided, which is applied to a server for example, as shown in the following figure: Figure 1 The specific steps include the following steps:

[0056] S101, in response to a resource return request of a user, determining a resource return document corresponding to the resource return request.

[0057] The so-called resource return request is a request initiated by the user when returning the resources. The so-called resource return document is used to record the resource return situation of the user. The resource return document includes a main return document and a slave return document corresponding to each resource provider; the main return document is generated according to the resource return rules and the total resource application amount. The so-called resource provider is the provider of financial resources, which can be the resource provider associated with the financial platform where the user initiates the resource application request, or the resource provider associated with other financial platforms.

[0058] The main return document is used to record the overall return situation of the resources, and the main return document is generated according to the resource return rules and the total resource application amount. The total resource application amount is the total amount of resources applied by the user. It is worth noting that in order to facilitate the user to view the resource return situation, the user can only be shown the main return document. The slave return document is used to record the resource return situation of the corresponding resource provider, and each slave return document follows the resource return rules contained in the main return document.

[0059] Optionally, the resource return request for the resource return document can be initiated by the user, or can be initiated based on the resource return date in the resource return rules. After detecting the resource return request, the document database can be queried according to the document identification information contained in the resource return request to obtain the resource return document corresponding to the resource return request.

[0060] S102, updating the resource return document according to the resource return rules and the document attribute information of the resource return document.

[0061] The resource return rule is a rule for restricting the user to return the resource. The resource return rule can include, but is not limited to, a resource allocation ratio of each resource provider, an additional resource calculation day, a resource return day, a resource return mode, a resource return period, a resource automatic deduction day, a resource calculation parameter, and a time interval of resource calculation parameter change.

[0062] The document attribute information is an attribute of the resource return document. For example, whether it is a physical document or not. Further, the additional resource return amount of the physical document can be calculated autonomously, and the additional resource return amount of the virtual document cannot be calculated autonomously. It is worth noting that the additional resource return amount here is the resource amount that the user should theoretically return, rather than the resource amount that the user actually returns.

[0063] Optionally, in order to ensure the reliability of the resource return document, it can be determined whether each return document has the ability to independently calculate the additional resource return amount based on the document attribute information of the resource return document. Then, for each return document that has the ability to independently calculate the additional resource return amount in the resource return document, the additional resource return amount in the return document can be calculated based on the preset resource return rule, and the return document can be updated according to the calculation result.

[0064] For example, for the updated resource return document (i.e., each return document below), if the resource details recorded in each return document match, it proves that the update operation of the return document is reliable. If the resource details recorded in each return document do not match, the modifiable document can be selected based on the document attribute information of the resource return document, and the resource details in the modifiable document can be corrected according to the resource error in the updated return document, thereby completing the update of the resource document.

[0065] The resource details are specific values of each resource return record in the return document, such as the main resource return amount and the additional resource return amount. Further, the matching process between the resource details is a matching process between the same resource return records in different return documents. For example, the matching process of the additional resource return amount in the resource details is whether the sum of the additional resource return amounts in each return document matches the additional resource return amount in the main return document.

[0066] S103, according to the resource return rule, return the total resource of the resource return request to each resource provider.

[0067] The total resource is the total amount of resources to be returned when the user initiates the resource return request.

[0068] Optionally, the total resource of the resource return request can be returned to each resource provider according to the proportion of resources provided by each resource provider in the resource return rule. For example, after detecting the resource return request, the total resource can be obtained from the user account, and the total resource can be divided into the resource return account associated with the resource return document. Then, the total resource can be split according to the resource allocation proportion to obtain the allocation details, and the total resource in the resource return account can be allocated to each resource provider according to the allocation details.

[0069] Further, after returning the total resource of the resource return request to each resource provider, the resource return document can be updated according to the actual resource return amount (including the actual subject resource return amount and the actual additional resource return amount) returned to each resource provider, that is, the actual return of the resource is recorded in the resource return document.

[0070] In the above resource processing method, by introducing the resource return document including the main return document and each sub-return document, the resource return document is updated according to the resource return rule and the document attribute information of the resource return document; and the total resource of the resource return request is returned to each resource provider according to the resource return rule. Compared with the related art, which uses a single resource return document to record the resource return, the above method can ensure the rationality of the resource return calculation by updating the resource return document according to the resource return rule and the document attribute information of the resource return document with the main and sub-document structure, thereby ensuring the reliability of the resource processing.

[0071] Further, on the basis of the above embodiment, before determining the resource return document corresponding to the resource return request in response to the resource return request of the user, in the embodiment of the present application, an optional resource allocation method is provided, specifically, in response to the resource application request of the user, the resource return document is generated according to each resource provider corresponding to the financial business in the resource application request; and the resource is allocated to the user according to the total resource application amount.

[0072] Wherein, the resource application request is used to apply for financial resources.

[0073] Optionally, the user can select a financial business in the display page of the financial platform, input the total resource application amount, and click submit. At this time, the resource application request containing the financial business and the total resource application amount can be generated. Then, the resource application request is sent to the approval end. Wherein, the financial platform contains the resource providing proportion of each resource provider and the registration information.

[0074] The approval process can review a user's resource application request based on their attribute information and resource return records. After the resource application request is approved, it can generate a subsidiary return document for each resource provider based on the resource return rules corresponding to the financial business in the resource application request and the resource provision ratio among each resource provider. It can also generate a master return document based on the total resource application amount in the resource application request and the resource return rules corresponding to the financial business.

[0075] Optionally, if all resource providers are affiliated with the financial platform, resources can be directly allocated to the user based on the total resource request volume. If the resource providers include other providers not affiliated with the financial platform, resource acquisition requests can be initiated to other providers based on the resource request volume in the resource return document, and the total resource request volume can be allocated to the user after the resource acquisition is detected.

[0076] Based on the above embodiments, this application provides another optional method for resource distribution, such as... Figure 2 As shown, the specific steps include:

[0077] S201, for each return document, send a resource acquisition request to the resource provider corresponding to the return document based on the resource provision amount in the return document.

[0078] The so-called resource provision quantity refers to the amount of resources that the resource provider requests from the user. The so-called resource acquisition request is a request to the resource provider to obtain resources.

[0079] Optionally, for each return document, a resource acquisition request is generated based on the resource provision amount in the return document, and a resource acquisition request is sent to the resource provider corresponding to the return document to instruct the resource provider to send the resources to the resource distribution account associated with the resource return document.

[0080] S202: After obtaining the resources provided by each resource provider, resources are distributed to users based on the total resource request amount.

[0081] Optionally, after detecting that the resource distribution account contains resources provided by various resource providers, the resources in the resource distribution account can be distributed to users according to the total resource request volume. For example, after initiating resource acquisition requests to various resource providers, the resource distribution account can be configured... Hourly monitoring allows for the collection of resources in the resource distribution account to be completed, and a notification can be sent to the financial platform. After verification, operations personnel can click the "Complete Resource Payment" control. At this point, resources can be distributed to users based on the total resource requests. It's worth noting that it's possible to monitor only the resource payment status of resource providers not affiliated with the financial platform.

[0082] In the embodiment of the present application, by monitoring the resource providing conditions of each resource provider, the resources are issued to the user, which can ensure the reliability of the resource issuing.

[0083] On the basis of the above-mentioned embodiment, in the embodiment of the present application, an optional resource return mode is provided, as shown in the following table: Figure 3 The specific steps include the following steps:

[0084] S301, according to the resource return amount in the resource return request and the resource proportion provided by each resource provider in the resource return rule, the target resource return amount of each resource provider is determined.

[0085] The so-called target resource return amount is the resource amount that should be returned to the resource provider.

[0086] Optionally, for each resource provider, the resource return amount in the resource return request can be processed according to the resource proportion provided by the resource provider in the resource return rule, to obtain the target resource return amount of the resource provider.

[0087] S302, for each resource provider, the target resource of the target resource return amount of the resource provider is obtained from the total resource of the resource return request, and the target resource is returned to the resource provider.

[0088] The so-called target resource is the resource of the target resource return amount.

[0089] Optionally, for each resource provider, the target resource of the target resource return amount of the resource provider can be obtained from the total resource of the resource return request; then, the target resource can be returned to the resource provider to complete the resource return operation.

[0090] Alternatively, on the resource return day, the resource return prompt can also be sent to the operator according to the total resource return amount and the resource return details, and after the operator's audit, the resource payment page can be displayed to the user to obtain the total resource from the user's account. The resource return details include but are not limited to financial business number, document number of resource return document, fund return record number, resource provider information, resource return amount, and resource amount to be returned. The resource payment page can include but is not limited to user account, resource provider information, resource amount and other information. The resource amount is the specific quantity of the transaction resource.

[0091] In the embodiment of the present application, by splitting the resource return amount according to the resource proportion provided by each resource provider in the resource return rule, and returning the split target resource to the corresponding resource provider, the reliability of the resource return can be ensured.

[0092] On the basis of the above-mentioned embodiments, in the embodiments of the present application, in the case that the document attribute information is the main return document is a virtual document, an optional mode of document updating is provided, as shown in Figure 4 The specific steps include the following steps:

[0093] S401, for each from return document, according to the resource return rule, the ontology resource return amount and the additional resource return amount of the from return document are calculated.

[0094] The so-called ontology resource return amount is the calculated resource return amount for the user's applied resource part; the so-called additional resource return amount is the calculated resource returned by the user to the resource provider.

[0095] It can be understood that, since the main return document is a virtual document, the main return document cannot independently calculate the ontology resource return amount that the user should return. At this time, the ontology resource return amount and the additional resource return amount of each from return document need to be calculated first. Then, the ontology resource return amount and the additional resource return amount of the main return document are calculated in combination with the ontology resource return amount and the additional resource return amount of each from return document.

[0096] Optionally, for each from return document, the resource amount that the user should return this time (the resource amount that the user should return to the resource provider corresponding to the from return document) can be calculated according to the resource calculation parameter in the resource return rule, so as to calculate the ontology resource return amount and the additional resource return amount in the from return document.

[0097] S402, according to the ontology resource return amount and the additional resource return amount of each from return document, the main return document and each from return document are updated.

[0098] Optionally, after calculating the ontology resource return amount and the additional resource return amount of each from return document, the sum of the ontology resource return amount of each from return document can be taken as the ontology resource return amount of the main return document, and the sum of the additional resource return amount of each from return document can be taken as the additional resource return amount of the main return document.

[0099] For example, the document updating schematic diagram shown in Figure 5 The from return documents Z1, Z2 and Z3 are entity documents, and the main return document M1 is a virtual document. The ontology resource return amount and the additional resource return amount of the from return documents Z1, Z2 and Z3 can be summarized to obtain the ontology resource return amount and the additional resource return amount of the main return document M1.

[0100] Further, the bill information in the corresponding slave return bill can be updated according to the body resource return amount and the additional resource return amount of each slave return bill, and the bill information in the corresponding master return bill can be updated according to the body resource return amount and the additional resource return amount of the master return bill.

[0101] In the embodiment of the application, in the case that the master return bill is a virtual bill, the rationality of the resource return bill update can be ensured by updating the master return bill and each slave return bill according to the body resource return amount and the additional resource return amount of each slave return bill.

[0102] In actual application, in the case that the master return bill is a virtual bill and each slave return bill is a physical bill, when the additional resource return amount in each slave return bill is summarized into the additional resource return amount of the master return bill, a tail difference can be caused by rounding, resulting in an error between the additional resource return amount summarized and the additional resource return amount calculated by the master return bill itself.

[0103] Based on the above embodiment, in the embodiment of the application, the resource return condition includes a total resource return amount; in the case that the bill attribute information is that the master return bill is a physical bill, another optional way of bill update is provided, as shown in Figure 6 and specifically includes the following steps:

[0104] S601, determining the body resource return amount and the additional resource return amount of the master return bill according to a resource return rule.

[0105] Optionally, the total resource amount that should be returned by the user this time can be divided to obtain the body resource return amount and the additional resource return amount of the master return bill according to a resource calculation parameter in the resource return rule.

[0106] S602, in the case that it is determined according to the bill attribute information that there is a virtual bill in each slave return bill, for each physical slave return bill, the body resource return amount and the additional resource return amount of the physical slave return bill are calculated according to the resource return rule.

[0107] The physical slave return bill is a physical bill in each slave return bill.

[0108] For each physical slave return bill, the resource amount that should be returned by the user this time (the resource amount that should be returned by the user to the resource provider corresponding to the physical slave return bill) can be calculated to obtain the body resource return amount and the additional resource return amount of the physical slave return bill according to a resource calculation parameter in the resource return rule.

[0109] S603. Based on the amount of primary resource return and additional resource return of the primary return document, and the amount of primary resource return and additional resource return of each entity's secondary return document, determine the amount of primary resource return and additional resource return of the virtual secondary return document.

[0110] It is worth noting that when the main return document is a physical document and there are virtual documents among the secondary return documents, in order to ensure the accuracy of the resource return information (resource return amount in the secondary return document) of resource providers associated with other financial platforms, the resource provider corresponding to the virtual document should be the resource provider associated with the financial platform. In this case, the virtual document can be used as a "backup" for the resource return parameters. That is, the difference between the resource return amount parameters in the main return document and the sum of the resource return amount parameters in each physical secondary return document can be used as the resource return amount parameter of the virtual secondary return document. If there are parameter differences, they can be directly smoothed out in the virtual secondary return document.

[0111] Optionally, the amount of ontological resources returned by the virtual subsidiary return document can be calculated based on the amount of ontological resources returned by each entity from the return document and the amount of ontological resources returned by the main return document. The amount of additional resources returned by the virtual subsidiary return document can be calculated based on the amount of additional resources returned by each entity from the return document and the amount of additional resources returned by the main return document.

[0112] For example, the difference between the ontology resource return amount of the master return document and the ontology resource return amount of each entity's slave return document can be used as the ontology resource return amount of the virtual slave return document. Similarly, the difference between the additional resource return amount of the master return document and the additional resource return amount of each entity's slave return document can be used as the additional resource return amount of the virtual slave return document.

[0113] For example, you can refer to Figure 7 The document update diagram shown depicts primary return document M2, secondary return documents Z4 and Z5 as physical documents, and secondary return document M6 as a virtual document. The primary resource return amount for secondary return document Z6 can be obtained by subtracting the primary resource return amounts for secondary return documents Z4 and Z5 from the primary resource return amount for primary return document M2. Similarly, the additional resource return amount for secondary return document Z6 can be obtained by subtracting the additional resource return amounts for secondary return documents Z4 and Z5 from the additional resource return amounts for primary return document M2.

[0114] S604. Update the resource return document based on the main resource return amount and additional resource return amount of the main return document, as well as the main resource return amount and additional resource return amount of each secondary return document.

[0115] Optionally, the bill information in the corresponding slave return bill can be updated according to the body resource return amount and the additional resource return amount of each slave return bill, and the bill information in the corresponding master return bill can be updated according to the body resource return amount and the additional resource return amount of the master return bill.

[0116] It is worth noting that the above-mentioned "master real and slave virtual" mode, that is, the master return bill is a real bill, and there is a slave return bill in the virtual bill mode, is essentially to make the resource return amount of the virtual bill obtained through "difference", that is, to sacrifice the autonomy of the slave return bill under the current financial platform to ensure the accuracy of the master return bill facing the customer and the slave return bill of other financial platforms.

[0117] In the embodiment of the present application, in the case that the master return bill is a real bill and there is a virtual bill in the slave return bill, the resource return amount of the virtual slave return bill is determined according to the resource return amount of the master return bill and the resource return amount of each real slave return bill, and then the master return bill and each slave return bill are updated, which can ensure the rationality of the resource return bill update.

[0118] Further, on the basis of the above-mentioned embodiment, in the embodiment of the present application, another optional way of bill update is provided, specifically, in the case that it is determined that there is no virtual bill in each slave return bill according to the bill attribute information, the body resource return amount and the additional resource return amount of each slave return bill are calculated according to the resource return rule; the resource return bill is updated according to the body resource return amount and the additional resource return amount of the master return bill and the body resource return amount and the additional resource return amount of each slave return bill.

[0119] Optionally, for each slave return bill, the resource amount that the user should return this time (the resource amount that the user should return to the resource provider corresponding to the slave return bill) can be calculated according to the resource calculation parameter in the resource return rule, so as to calculate the body resource return amount and the additional resource return amount in the slave return bill. Then, the total body resource return amount can be calculated according to the body resource return amount of each slave return bill, and the total additional resource return amount can be calculated according to the additional resource return amount of each slave return bill.

[0120] In the case that the total body resource return amount is consistent with the body resource return amount of the master return bill, and the total additional resource return amount is consistent with the additional resource return amount of the master return bill, it is proved that the return amount calculation is reliable, at this time, the bill information in the corresponding slave return bill can be updated according to the body resource return amount and the additional resource return amount of each slave return bill, and the bill information in the corresponding master return bill can be updated according to the body resource return amount and the additional resource return amount of the master return bill.

[0121] It is worth noting that in the case that the main return document and the slave return document are both entity documents, in order to guarantee the accuracy of the resource return information (the resource return amount in the slave return document) of the resource provider associated with other financial platforms, in the case that there is a difference between the resource return amount parameter in the main return document and the sum of the resource return amount parameters in each slave return document, the resource return parameter can be "bottomed out" by the slave return document of the resource provider associated with the current financial platform (i.e., the main return document is located in the current financial platform), that is, directly taking the difference between each resource return amount parameter in the main return document and the sum of each resource return amount parameter in the slave return document under other financial platforms as the resource return amount parameter of the slave return document under the current financial platform.

[0122] Optionally, in the case that the total body resource return amount is inconsistent with the body resource return amount of the main return document, and / or the total additional resource return amount is inconsistent with the additional resource return amount of the main return document, any slave return document associated with the current financial platform in each slave return document can be taken as the target slave return document.

[0123] Further, according to the body resource return amount and the additional resource return amount of the main return document and the body resource return amount and the additional resource return amount of the other slave return documents, the body resource return amount and the additional resource return amount of the target slave return document can be calculated according to the above-mentioned step S603, so as to guarantee the matching of the resource return amount between each document. At this time, the document information in the target slave return document can be updated according to the body resource return amount and the additional resource return amount of the target slave return document.

[0124] It is worth noting that the "main real slave real" mode, that is, the mode that the main return document and each slave return document are both entity documents, retains the autonomy of the customer-oriented main return document and each slave return document, and only in the case of error, the error part is updated to the slave return document under the current financial platform in the reverse direction, that is, "bottomed out" by the slave return document under the current financial platform.

[0125] In addition, since the actual return situation of the main return document cannot be changed, in the case of allocating total resources according to resource proportion, if there is a tail difference due to rounding, the "bottoming out" processing can also be performed according to the above-mentioned logic. That is, the actual resource return amount of the resource provider associated with the current financial platform is the difference between the actual resource return amount in the main return document and the actual resource return amount of the resource provider associated with other financial platforms.

[0126] On the basis of the above-mentioned embodiment, in the embodiment of the present application, an optional way of updating the resource return rule is provided, as shown in Figure 8 The specific contents include the following:

[0127] S801, in a case where it is determined according to the resource return record and the resource return rule that a rule adjustment event is triggered, adjusting the resource return rule according to a rule updating mode in the resource return rule.

[0128] The resource return record is a record generated when the user performs a resource return operation. The rule adjustment event is an event of adjusting the resource return rule. The rule updating mode is a preconfigured rule adjustment mode, including but not limited to an adjustment mode of a resource calculation parameter.

[0129] Optionally, it can be judged according to the resource return record whether the resource return operation of the user conforms to the resource return rule. In a case where the resource return operation does not conform to the resource return rule, the rule adjustment event is triggered. At this time, the resource return date, the resource return period, the resource automatic deduction date, the resource calculation parameter and other parameters in the resource return rule can be adjusted according to the rule updating mode preset in the resource return rule.

[0130] In addition, the user can also actively initiate the rule adjustment event, that is, custom modify the resource return rule, and generate the adjusted resource return rule after the audit is passed.

[0131] S802, updating the to-be-returned resource amount in the resource return document by using the adjusted resource return rule.

[0132] The to-be-returned resource amount is the resource amount that the user still needs to return to each resource provider.

[0133] Optionally, the to-be-returned resource amount in the main return document and each sub return document can be calculated by using the resource calculation parameter in the adjusted resource return rule, so as to complete the updating of the resource return document.

[0134] It is worth noting that when the resource return rule is updated, each resource provider needs to be notified. At this time, the rule change notification of the resource return document can be sent to the resource provider according to the registration information (such as the contact information) of each resource provider recorded in the financial platform.

[0135] In the embodiment of the application, the to-be-returned resource amount in the resource return document is updated by using the adjusted resource return rule, so that the flexibility of the resource return rule can be ensured.

[0136] Figure 9 For another flowchart of the resource processing method in the embodiment, on the basis of the above-mentioned embodiment, the embodiment provides an optional example of a resource processing method. In combination with Figure 9 , the specific implementation process is as follows:

[0137] S901, in response to the resource application request of the user, generating a resource return document according to each resource provider corresponding to the financial service in the resource application request.

[0138] S902, for each slave return document, according to the resource providing amount in the slave return document, sending a resource acquisition request to the resource provider corresponding to the slave return document.

[0139] S903, after obtaining the resources provided by each resource provider, issuing resources to the user according to the total resource application amount.

[0140] S904, in response to the resource return request of the user, determining the resource return document corresponding to the resource return request.

[0141] Among them, the resource return document includes a main return document and a slave return document corresponding to each resource provider; the main return document is generated according to the resource return rule and the total resource application amount.

[0142] S905, updating the resource return document according to the resource return rule and the document attribute information of the resource return document.

[0143] In the case of the main return document being a virtual document, for each slave return document, the main resource return amount and the additional resource return amount of the slave return document are calculated according to the resource return rule; the main return document and each slave return document are updated according to the main resource return amount and the additional resource return amount of each slave return document.

[0144] In the case of the main return document being a virtual document, for each slave return document, the main resource return amount and the additional resource return amount of the slave return document are calculated according to the resource return rule; the main return document and each slave return document are updated according to the main resource return amount and the additional resource return amount of each slave return document.

[0145] In the case of determining that there is no virtual document in each slave return document according to the document attribute information, for each slave return document, the main resource return amount and the additional resource return amount of the slave return document are calculated according to the resource return rule; the main return document and each slave return document are updated according to the main resource return amount and the additional resource return amount of the total return document and each slave return document.

[0146] S906, determining a target resource return amount of each resource provider according to the resource return amount in the resource return request and a resource proportion provided by each resource provider in the resource return rule.

[0147] S907, obtaining a target resource of the target resource return amount of each resource provider from the total resource in the resource return request, and returning the target resource to the resource provider.

[0148] Optionally, in a case where it is determined that a rule adjustment event is triggered according to the resource return record and the resource return rule, the resource return rule is adjusted according to a rule updating manner in the resource return rule; and the to-be-returned resource amount in the resource return document is updated by using the adjusted resource return rule.

[0149] The specific process of S901-S907 can be referred to the description of the method embodiments, and the implementation principles and technical effects are similar, which will not be repeated here.

[0150] It should be understood that, although each step in the flowchart involved in each embodiment as described above is displayed in sequence according to the arrow, these steps are not necessarily executed in sequence according to the arrow. Unless otherwise specified herein, the execution of these steps has no strict sequence limitation, and these steps can be executed in other orders. Moreover, at least part of the steps in the flowchart involved in each embodiment as described above can include multiple steps or multiple stages, which are not necessarily executed at the same time, but can be executed at different times, and the execution sequence of these steps or stages is not necessarily sequential, but can be executed in rotation or alternation with at least part of other steps or steps or stages in other steps.

[0151] Based on the same inventive concept, the embodiments of the present application also provide a resource processing apparatus for implementing the above-mentioned resource processing method. The problem-solving implementation scheme provided by the apparatus is similar to the implementation scheme described in the above method, and therefore the specific limitations in one or more resource processing apparatus embodiments provided below can be referred to the limitations of the resource processing method described above, which will not be repeated here.

[0152] In one exemplary embodiment, as shown in Figure 10 a resource processing apparatus 1 is provided, which comprises a document determination module 10, a document updating module 20 and a resource return module 30, wherein:

[0153] The bill determination module 10 is configured to determine a resource return bill corresponding to the resource return request in response to the resource return request of the user, wherein the resource return bill comprises a main return bill and a slave return bill corresponding to each resource provider; and the main return bill is generated according to the resource return rule and the total resource application amount.

[0154] The bill update module 20 is configured to update the resource return bill according to the resource return rule and the bill attribute information of the resource return bill.

[0155] The resource return module 30 is configured to return the total resource of the resource return request to each resource provider according to the resource return rule.

[0156] In an exemplary embodiment, before determining the resource return bill corresponding to the resource return request in response to the resource return request of the user, the resource processing device 1 further comprises a bill generation module, wherein the bill generation module is specifically configured to:

[0157] generate the resource return bill according to each resource provider corresponding to the financial service in the resource application request in response to the resource application request of the user; and issue the resource to the user according to the total resource application amount.

[0158] In an exemplary embodiment, the bill generation module is further configured to:

[0159] for each slave return bill, send a resource acquisition request to the resource provider corresponding to the slave return bill according to the resource provision amount in the slave return bill; and after acquiring the resource provided by each resource provider, issue the resource to the user according to the total resource application amount.

[0160] In an exemplary embodiment, the resource return module 30 is specifically configured to:

[0161] determine the target resource return amount of each resource provider according to the resource return amount in the resource return request and the proportion of the resource provided by each resource provider in the resource return rule; and for each resource provider, acquire the target resource of the target resource return amount of the resource provider from the total resource of the resource return request, and return the target resource to the resource provider.

[0162] In an exemplary embodiment, when the bill attribute information is that the main return bill is a virtual bill, the bill update module 20 is specifically configured to:

[0163] for each slave return bill, calculate the main resource return amount and the additional resource return amount of the slave return bill according to the resource return rule; and update the main return bill and each slave return bill according to the main resource return amount and the additional resource return amount of each slave return bill.

[0164] In an example embodiment, the resource return condition includes a total resource return amount; in a case where the document attribute information is that the main return document is an entity document, the document updating module 20 is specifically configured to:

[0165] According to the resource return rule, the ontology resource return amount and the additional resource return amount of the main return document are determined; in a case where it is determined according to the document attribute information that there is a virtual document in each of the sub return documents, for each entity sub return document, according to the resource return rule, the ontology resource return amount and the additional resource return amount of the entity sub return document are calculated; according to the ontology resource return amount and the additional resource return amount of the main return document and the ontology resource return amount and the additional resource return amount of each entity sub return document, the ontology resource return amount and the additional resource return amount of the virtual sub return document are determined; according to the ontology resource return amount and the additional resource return amount of the main return document and the ontology resource return amount and the additional resource return amount of each sub return document, the resource return document is updated.

[0166] In an example embodiment, the document updating module 20 is further configured to:

[0167] In a case where it is determined according to the document attribute information that there is no virtual document in each of the sub return documents, for each sub return document, according to the resource return rule, the ontology resource return amount and the additional resource return amount of the sub return document are calculated; according to the ontology resource return amount and the additional resource return amount of the total return document and the ontology resource return amount and the additional resource return amount of each sub return document, the resource return document is updated.

[0168] In an example embodiment, the resource processing apparatus 1 further includes a rule updating module, wherein the rule updating module is specifically configured to:

[0169] In a case where it is determined according to the resource return record and the resource return rule that a rule adjustment event is triggered, the resource return rule is adjusted according to the rule updating mode in the resource return rule; the adjusted resource return rule is used to update the to-be-returned resource amount in the resource return document.

[0170] Each of the above modules in the resource processing apparatus can be realized by software, hardware and a combination thereof in whole or in part. Each of the above modules can be embedded in or independent of a processor in a computer device in a hardware form, or can be stored in a memory in a computer device in a software form, so as to be called and executed by a processor to perform the operations corresponding to each of the above modules.

[0171] In an example embodiment, a computer device is provided, which can be a server, and an internal structure diagram of the computer device can be as shown in Figure 11As shown in the figure. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. Among them, the processor, the memory and the input / output interface are connected through the system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capability. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store resource processing data. The input / output interface of the computer device is used to exchange information between the processor and external devices. The communication interface of the computer device is used to communicate with external terminals through network connection. The computer program is executed by the processor to implement a resource processing method.

[0172] Those skilled in the art can understand that, Figure 11 The structure shown in the figure is only a block diagram of part of the structure related to the scheme of the present application, and does not constitute a limitation on the computer device to which the scheme of the present application is applied. The specific computer device can include more or fewer components than those shown in the figure, or combine certain components, or have a different component arrangement.

[0173] In one embodiment, a computer device is also provided, including a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the steps in each of the method embodiments described above.

[0174] In one embodiment, a computer readable storage medium is provided, which stores a computer program, and the computer program is executed by a processor to implement the steps in each of the method embodiments described above.

[0175] In one embodiment, a computer program product is provided, including a computer program, and the computer program is executed by a processor to implement the steps in each of the method embodiments described above.

[0176] It should be noted that the data (including but not limited to resource processing data, etc.) involved in the present application are all data authorized by the user or fully authorized by all parties, and the collection, use and processing of related data need to comply with relevant regulations.

[0177] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer readable storage medium, and when executed, can include the processes of the above-mentioned embodiment methods. Any reference to memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile memory and volatile memory. The non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical storage, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. The volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration but not limitation, the RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The database involved in the embodiments provided in the present application can include at least one of a relational database and a non-relational database. The non-relational database can include a distributed database based on a block chain, etc., without being limited thereto. The processor involved in the embodiments provided in the present application can be a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., without being limited thereto.

[0178] The technical features of the above embodiments can be combined in any manner. To make the description concise, not all possible combinations of the technical features in the above embodiments are described, but as long as the combinations of the technical features do not exist contradictions, they should be considered as the scope of the present application.

[0179] The above-described embodiments are merely illustrative of several embodiments of the present application, and the description is relatively specific and detailed, but should not be understood as a limitation on the scope of the patent. It should be noted that for those skilled in the art, without departing from the concept of the present application, a number of modifications and improvements can be made, which are all within the scope of the present application. Therefore, the scope of protection of the present application should be subject to the appended claims.

Claims

1. A resource processing method, characterized in that, The method includes: In response to a user's resource return request, a resource return document corresponding to the resource return request is determined; wherein, the resource return document includes a master return document and sub-return documents corresponding to each resource provider; the master return document is generated according to the resource return rules and the total resource request amount; Update the resource return document according to the resource return rules and the document attribute information of the resource return document; and, According to the resource return rules, the total resources requested in the resource return request will be returned to the respective resource providers.

2. The method according to claim 1, characterized in that, Before determining the resource return document corresponding to the user's resource return request, the method further includes: In response to the user's resource request, a resource return document is generated based on the resource providers corresponding to the financial business in the resource request. Resources are allocated to the user based on the total resource request amount.

3. The method according to claim 2, characterized in that, The step of allocating resources to the user based on the total resource request amount includes: For each return document, a resource acquisition request is sent to the resource provider corresponding to the return document based on the resource provision amount in the return document. After obtaining the resources provided by each resource provider, the resources are distributed to the user based on the total resource request amount.

4. The method according to claim 1, characterized in that, The step of returning the total resources requested in the resource return request to each resource provider according to the resource return rules includes: Based on the amount of resources to be returned in the resource return request and the proportion of resources provided by each resource provider in the resource return rules, the target amount of resources to be returned for each resource provider is determined. For each resource provider, the target resource amount for the target resource return is obtained from the total resources of the resource return request, and the target resource is returned to the resource provider.

5. The method according to claim 1, characterized in that, When the document attribute information indicates that the primary return document is a virtual document, updating the resource return document according to the resource return rules and the document attribute information of the resource return document includes: For each return document, calculate the amount of the original resource return and the amount of additional resource return for the return document according to the resource return rules. Update the master return document and each slave return document based on the amount of main resource return and additional resource return for each slave return document.

6. The method according to claim 1, characterized in that, The resource return status includes the total resource return amount; when the document attribute information indicates that the main return document is an entity document, updating the resource return document according to the resource return rules and the document attribute information of the resource return document includes: Based on the resource return rules, determine the amount of the main resource return and the amount of additional resource return for the main return document; If, based on the document attribute information, it is determined that there are virtual documents among the returned documents, for each entity returned document, the entity's main resource return amount and additional resource return amount are calculated according to the resource return rules. Based on the amount of ontology resources returned and the amount of additional resources returned in the master return document, as well as the amount of ontology resources returned and the amount of additional resources returned in each entity's return document, the amount of ontology resources returned and the amount of additional resources returned in each entity's return document are determined. The resource return document is updated based on the amount of main resource return and additional resource return in the master return document, as well as the amount of main resource return and additional resource return in each slave return document.

7. The method according to claim 6, characterized in that, The method further includes: If, based on the document attribute information, it is determined that there are no virtual documents among the return documents, for each return document, the amount of the original resource return and the amount of additional resource return for that return document are calculated according to the resource return rules. The resource return document is updated based on the total resource return amount and additional resource return amount of the total return document, and the total resource return amount and additional resource return amount of each individual return document.

8. The method according to claim 1, characterized in that, The method further includes: If a rule adjustment event is determined to be triggered based on the resource return record and the resource return rule, the resource return rule is adjusted according to the rule update method in the resource return rule. The adjusted resource return rules are used to update the amount of resources to be returned in the resource return document.

9. A resource processing device, characterized in that, The device includes: The document determination module is used to determine the resource return document corresponding to the user's resource return request in response to the resource return request; wherein, the resource return document includes a master return document and slave return documents corresponding to each resource provider; the master return document is generated according to the resource return rules and the total resource application amount; The document update module is used to update the resource return document according to the resource return rules and the document attribute information of the resource return document; The resource return module is used to return the total resources of the resource return request to each resource provider according to the resource return rules.

10. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 8.

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