阅读说明：本技术 资源调度业务处理方法、装置、计算机设备和存储介质 (Resource scheduling service processing method and device, computer equipment and storage medium ) 是由 陈文军 于 2019-08-13 设计创作，主要内容包括：本申请涉及数据处理技术领域,提供了一种资源调度业务处理方法、装置、计算机设备和存储介质。方法包括：接收目标用户的资源借用请求,当目标用户的风险等级信息不满足风控等级要求时,根据目标用户的标签数据确定目标出借资源方,发送携带有目标用户数据的资源借用请求消息至目标服务器,当接收到目标服务器反馈的借用业务受理消息时,根据其携带的业务数据,生成与目标出借资源方关联的第一业务数据以及与目标用户关联的第二业务数据,并发送携带有第二业务数据的资源借用确认消息至目标用户终端,当接收到资源借用确认消息时,建立包含第一业务数据与第二业务数据的业务数据组,进而将借用资源划拨至目标用户的资源账户,提高了业务办理效率。(The application relates to the technical field of data processing, and provides a resource scheduling service processing method, a resource scheduling service processing device, a computer device and a storage medium. The method comprises the following steps: the method comprises the steps of receiving a resource borrowing request of a target user, determining a target lending resource party according to label data of the target user when risk grade information of the target user does not meet a wind control grade requirement, sending a resource borrowing request message carrying target user data to a target server, generating first service data associated with the target lending resource party and second service data associated with the target user according to service data carried by the borrowing service accepting message fed back by the target server when the borrowing service accepting message is received, sending a resource borrowing confirmation message carrying the second service data to a target user terminal, establishing a service data group containing the first service data and the second service data when the resource borrowing confirmation message is received, allocating borrowed resources to a resource account of the target user, and improving service handling efficiency.)

1. A resource scheduling service processing method, the method comprising:

receiving a resource borrowing request of a target user, and acquiring label data of the target user when the risk level information of the target user does not meet the preset wind control level requirement;

determining a target lending resource party according to the label data and a pre-established incidence relation between the label data and the lending resource party;

sending a resource borrowing request message carrying target user data to a target server of the target lending resource party;

when a borrowing service acceptance message fed back by the target server is received, generating first service data associated with a target lending resource party and second service data associated with the target user according to service data carried by the borrowing service acceptance message;

sending a resource borrowing confirmation message carrying the second service data to a target user terminal corresponding to the target user;

and when receiving a resource borrowing confirmation message fed back by the target user terminal, establishing a service data group containing the first service data and the second service data, and allocating the borrowed resources provided by the target lending resource party to a resource account of the target user according to the service data group.

2. The method according to claim 1, wherein said determining a target lending resource party according to the tag data and a pre-established association relationship between the tag data and the lending resource party comprises:

determining a lending resource party set matched with the label data of the target user according to the pre-established incidence relation between the label data and the lending resource party;

generating distribution selection interface configuration data corresponding to the lending resource party set, and sending the distribution selection interface configuration data to a target user terminal corresponding to the target user;

and when receiving a selection trigger message of the lending resource party sent by the target user terminal, determining a target lending resource party corresponding to the selection trigger message.

3. The method according to claim 2, wherein before generating the diversion selection interface configuration data corresponding to the lending resource party set and sending the diversion selection interface configuration data to the target user terminal corresponding to the target user, further comprising:

primarily screening lending resource parties in the lending resource party set according to the risk level information of the target user and the risk level requirements of the lending resource parties;

according to the borrowed resource type information carried in the tag data of the target user, determining a lending resource attribute requirement corresponding to the borrowed resource type information;

according to the attribute requirements of the lending resource parties, performing secondary screening on the lending resource parties, and determining a set of alternative lending resource parties;

determining a preset number of lending resource parties with highest matching degree in the alternative lending resource party set according to the tag data of the target user;

the generating of the diversion selection interface configuration data corresponding to the lending resource party set and the sending of the diversion selection interface configuration data to the target user terminal corresponding to the target user include:

and generating corresponding distribution selection interface configuration data according to the determined lending resource party, and sending the distribution selection interface configuration data to a target user terminal corresponding to the target user.

4. The method according to claim 1, wherein the receiving a resource borrowing request of a target user, and when the risk level information of the target user does not meet a preset wind control level requirement, the obtaining tag data of the target user comprises:

receiving a resource borrowing request of a target user, and extracting feature data in user information according to the user information carried by the resource borrowing request;

carrying out wind control analysis processing on the characteristic data to obtain risk grade information of the target user;

and when the risk grade information does not meet the preset wind control grade requirement, extracting the label data in the characteristic data.

5. The method of claim 4, wherein the characteristic data includes risk data and tag data; the receiving a resource borrowing request of a target user, and extracting feature data in user information according to the user information carried by the resource borrowing request comprises the following steps:

receiving a resource borrowing request of a target user, and extracting user information of each preset dimension carried by the resource borrowing request and existing risk data of the target user;

determining a risk grade corresponding to the risk data according to the data category to which the risk data belongs and the risk data volume of each data category, and labeling the risk grade of the risk data to obtain risk data with a risk grade label;

and labeling the user information according to the preset dimensionality to obtain label data of each preset dimensionality.

6. The method of claim 5, wherein the performing a wind control analysis on the feature data to obtain risk level information of the target user comprises:

determining a grade interval to which the data content belongs according to the data content of the tag data;

determining scoring data of the tag data according to the data dimension weight corresponding to the tag data and the grade interval to which the data content belongs;

and determining the risk level information of the target user according to the risk level tags carried by the risk data and the grading data of each tag data.

7. The method according to claim 1, wherein before determining the target lending resource party according to the tag data and the pre-established association relationship between the tag data and the lending resource party, further comprising:

marking users which do not meet the preset wind control level requirement in the historical data, and searching for lending resource parties successfully establishing a service relationship with the users;

acquiring a sample user data set having a business relation with the lending resource party and sample label data of each user in the sample user data set;

performing data classification on the sample label data, and determining label data corresponding to the sample user data set;

and establishing an incidence relation between the tag data and the lending resource party.

8. A resource scheduling service processing apparatus, the apparatus comprising:

the system comprises a tag data acquisition module, a resource borrowing module and a processing module, wherein the tag data acquisition module is used for receiving a resource borrowing request of a target user and acquiring tag data of the target user when the risk level information of the target user does not meet a preset wind control level requirement;

the target lending resource party determining module is used for determining a target lending resource party according to the label data and the pre-established association relationship between the label data and the lending resource party;

a request message sending module, configured to send a resource borrowing request message carrying target user data to a target server of the target lending resource party;

the data generation module is used for generating first service data associated with the target lending resource party and second service data associated with the target user according to service data carried by the borrowing service acceptance message when the borrowing service acceptance message fed back by the target server is received;

a confirmation message sending module, configured to send a resource borrowing confirmation message carrying the second service data to a target user terminal corresponding to the target user;

and the service data group establishing module is used for establishing a service data group containing the first service data and the second service data when receiving the resource borrowing confirmation message fed back by the target user terminal, and allocating the borrowed resources provided by the target lending resource party to the resource account of the target user according to the service data group.

9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing a resource scheduling service, a computer device, and a storage medium.

Background

With the development of science and technology, the reliable circulation and fusion of resources are realized among resource owners, the process usually involves the processing processes of resource exchange, resource transfer and the like, and the resources can be virtual currency, investment funds and the like.

In the existing resource management method, when resources are transferred, because different servers have different resource management modes, the difference of resource transfer requirements is large, so that the same user cannot obtain resources requested to be transferred from different servers at the same time, and thus, in the process of obtaining the required resources, if a plurality of different resource management servers are involved, different servers respectively need to check and process the resource transfer conditions of user information. The servers need to manage data according to their own data in the process of auditing the resource transfer conditions, so different servers can only adopt different data processing methods for analysis, and the data processing method adopted in each data auditing process involves a complex computing process, relatively speaking, more server storage space needs to be occupied, and the problem of low efficiency is caused by multiple complex interaction processes.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource scheduling service processing method, a resource scheduling service processing apparatus, a computer device, and a storage medium, which can improve the efficiency of resource borrowing service processing.

A resource scheduling service processing method, the method comprising:

receiving a resource borrowing request of a target user, and acquiring label data of the target user when the risk level information of the target user does not meet the preset wind control level requirement;

determining a target lending resource party according to the label data and a pre-established incidence relation between the label data and the lending resource party;

sending a resource borrowing request message carrying target user data to a target server of the target lending resource party, and generating first service data containing target lending resource party information and second service data associated with the target user according to service data carried by a borrowing service acceptance message when the borrowing service acceptance message fed back by the target server is received;

sending a resource borrowing confirmation message carrying the second service data to a target user terminal corresponding to the target user;

and when receiving a resource borrowing confirmation message fed back by the target user terminal, establishing a service data group containing the first service data and the second service data, and allocating the borrowed resources provided by the target lending resource party to a resource account of the target user according to the service data group.

In one embodiment, the determining a target lending resource party according to the tag data and a pre-established association relationship between the tag data and the lending resource party includes:

determining a lending resource party set matched with the label data of the target user according to the pre-established incidence relation between the label data and the lending resource party;

generating distribution selection interface configuration data corresponding to the lending resource party set, and sending the distribution selection interface configuration data to a target user terminal corresponding to the target user;

and when receiving a selection trigger message of the lending resource party sent by the target user terminal, determining a target lending resource party corresponding to the selection trigger message.

In one embodiment, before generating the diversion selection interface configuration data corresponding to the lending resource collection and sending the diversion selection interface configuration data to the target user terminal corresponding to the target user, the method further includes:

primarily screening lending resource parties in the lending resource party set according to the risk level information of the target user and the risk level requirements of the lending resource parties;

according to the borrowed resource type information carried in the tag data of the target user, determining a lending resource attribute requirement corresponding to the borrowed resource type information;

according to the attribute requirements of the lending resource parties, performing secondary screening on the lending resource parties, and determining a set of alternative lending resource parties;

determining a preset number of lending resource parties with highest matching degree in the alternative lending resource party set according to the tag data of the target user;

the generating of the diversion selection interface configuration data corresponding to the lending resource party set and the sending of the diversion selection interface configuration data to the target user terminal corresponding to the target user include:

and generating corresponding distribution selection interface configuration data according to the determined lending resource party, and sending the distribution selection interface configuration data to a target user terminal corresponding to the target user.

In one embodiment, the receiving a resource borrowing request of a target user, and when the risk level information of the target user does not meet a preset wind control level requirement, acquiring tag data of the target user includes:

receiving a resource borrowing request of a target user, and extracting feature data in user information according to the user information carried by the resource borrowing request;

carrying out wind control analysis processing on the characteristic data to obtain risk grade information of the target user;

and when the risk grade information does not meet the preset wind control grade requirement, extracting the label data in the characteristic data.

In one embodiment, the characteristic data includes risk data and tag data; the receiving a resource borrowing request of a target user, and extracting feature data in user information according to the user information carried by the resource borrowing request comprises the following steps:

receiving a resource borrowing request of a target user, and extracting user information of each preset dimension carried by the resource borrowing request and existing risk data of the target user;

determining a risk grade corresponding to the risk data according to the data category to which the risk data belongs and the risk data volume of each data category, and labeling the risk grade of the risk data to obtain risk data with a risk grade label;

and labeling the user information according to the preset dimensionality to obtain label data of each preset dimensionality.

In one embodiment, the performing the wind control analysis on the feature data to obtain the risk level information of the target user includes:

determining a grade interval to which the data content belongs according to the data content of the tag data;

determining scoring data of the tag data according to the data dimension weight corresponding to the tag data and the grade interval to which the data content belongs;

and determining the risk level information of the target user according to the risk level tags carried by the risk data and the grading data of each tag data.

In one embodiment, before determining the target lending resource party according to the tag data and the pre-established association relationship between the tag data and the lending resource party, the method further includes:

marking users which do not meet the preset wind control level requirement in the historical data, and searching for lending resource parties successfully establishing a service relationship with the users;

acquiring a sample user data set having a business relation with the lending resource party and sample label data of each user in the sample user data set;

performing data classification on the sample label data, and determining label data corresponding to the sample user data set;

and establishing an incidence relation between the tag data and the lending resource party.

A resource scheduling traffic processing apparatus, the apparatus comprising:

the system comprises a tag data acquisition module, a resource borrowing module and a processing module, wherein the tag data acquisition module is used for receiving a resource borrowing request of a target user and acquiring tag data of the target user when the risk level information of the target user does not meet a preset wind control level requirement;

the target lending resource party determining module is used for determining a target lending resource party according to the label data and the pre-established association relationship between the label data and the lending resource party;

a request message sending module, configured to send a resource borrowing request message carrying target user data to a target server of the target lending resource party;

the data generation module is used for generating first service data associated with the target lending resource party and second service data associated with the target user according to service data carried by the borrowing service acceptance message when the borrowing service acceptance message fed back by the target server is received;

a confirmation message sending module, configured to send a resource borrowing confirmation message carrying the second service data to a target user terminal corresponding to the target user;

and the service data group establishing module is used for establishing a service data group containing the first service data and the second service data when receiving the resource borrowing confirmation message fed back by the target user terminal, and allocating the borrowed resources provided by the target lending resource party to the resource account of the target user according to the service data group.

A computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program:

receiving a resource borrowing request of a target user, and acquiring label data of the target user when the risk level information of the target user does not meet the preset wind control level requirement;

determining a target lending resource party according to the label data and a pre-established incidence relation between the label data and the lending resource party;

sending a resource borrowing request message carrying target user data to a target server of the target lending resource party;

when a borrowing service acceptance message fed back by the target server is received, generating first service data associated with the target lending resource party and second service data associated with the target user according to service data carried by the borrowing service acceptance message;

sending a resource borrowing confirmation message carrying the second service data to a target user terminal corresponding to the target user;

and when receiving a resource borrowing confirmation message fed back by the target user terminal, establishing a service data group containing the first service data and the second service data, and allocating the borrowed resources provided by the target lending resource party to a resource account of the target user according to the service data group.

A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:

receiving a resource borrowing request of a target user, and acquiring label data of the target user when the risk level information of the target user does not meet the preset wind control level requirement;

determining a target lending resource party according to the label data and a pre-established incidence relation between the label data and the lending resource party;

sending a resource borrowing request message carrying target user data to a target server of the target lending resource party;

when a borrowing service acceptance message fed back by the target server is received, generating first service data associated with the target lending resource party and second service data associated with the target user according to service data carried by the borrowing service acceptance message;

sending a resource borrowing confirmation message carrying the second service data to a target user terminal corresponding to the target user;

and when receiving a resource borrowing confirmation message fed back by the target user terminal, establishing a service data group containing the first service data and the second service data, and allocating the borrowed resources provided by the target lending resource party to a resource account of the target user according to the service data group.

The resource scheduling service processing method, the device, the computer equipment and the storage medium, wherein the server carries out risk level information on a target user to determine whether the target user needs to be distributed to other lending resource parties, when the user distribution needs to be carried out, the target lending resource party corresponding to the target user is determined to carry out the user distribution, the user data obtained by analyzing the server is directly sent to the target server through the data interaction between the server and the target server of the target lending resource party, the target server can be directly used without repeated analysis, the repeated analysis processing of the user information by the target server is avoided, on the basis, the server is taken as an intermediate mechanism, and on the basis of the existing service data, a service data group containing first service data associated with the target lending resource party and second service data associated with the target user is established, and then the indirect contact between the target lending resource party and the target user is established, the service data group is managed through the server, and the data interaction between the target lending resource party and the target user is not required to be carried out again, so that the data processing process is simplified, and the service handling efficiency is improved.

Drawings

Fig. 1 is an application scenario diagram of a resource scheduling service processing method in an embodiment;

FIG. 2 is a flowchart illustrating a method for processing a resource scheduling service in an embodiment;

FIG. 3 is a flowchart illustrating a resource scheduling service processing method in another embodiment;

FIG. 4 is a flowchart illustrating the steps of a resource scheduling service process in yet another embodiment;

FIG. 5 is a flowchart illustrating a method for processing a resource scheduling service in yet another embodiment;

FIG. 6 is a flowchart illustrating the processing steps of a resource scheduling service in yet another embodiment;

FIG. 7 is a flowchart illustrating a method for processing a resource scheduling service in yet another embodiment;

FIG. 8 is a block diagram of an embodiment of a resource scheduling service processing apparatus;

FIG. 9 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The resource scheduling service processing method provided by the application can be applied to the application environment shown in fig. 1. The terminal 102 where the target user is located communicates with the server 104 through a network, and the server 104 communicates with the target server 106 through the network. When the server 104 detects that the risk level information of the target user does not meet the preset wind control level requirement, extracting tag data carried by the target user, determining a target lending resource party according to the tag data and a pre-established association relationship between the tag data and the lending resource party, sending a resource borrowing request message carrying the target user data to a target server 106 of the target lending resource party by the server 104, generating first service data associated with the target lending resource party and second service data associated with the target user according to service data carried by a borrowing service acceptance message when receiving the borrowing service acceptance message fed back by the target server 106, and sending a resource borrowing confirmation message carrying the second service data to a target user terminal 102 corresponding to the target user; when the server 104 receives the resource borrowing confirmation message fed back by the target user terminal 102, a service data group containing the first service data and the second service data is established, and the borrowed resources provided by the target lending resource party are allocated to the resource account of the target user according to the service data group. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the server 104 and the target server 106 may be implemented by independent servers or a server cluster composed of a plurality of servers.

In an embodiment, as shown in fig. 2, a resource scheduling service processing method is provided, which is described by taking the method as an example applied to the server in fig. 1, and includes the following steps:

step S200, receiving a resource borrowing request of a target user, and acquiring label data of the target user when the risk level information of the target user does not meet the preset wind control level requirement.

The target user refers to a user who submits a resource borrowing application to a resource borrowing platform of the server through a user terminal of the target user, the resource borrowing request refers to a request message sent when the user submits the resource borrowing application to the resource borrowing platform, the resource borrowing request can be a request message triggered after personal information data is collected by the user through a data collection interface, the resource borrowing request carries collected user information, the risk level information of the target user refers to user information obtained by the resource borrowing platform server through data interaction with the user terminal and data information obtained by big data retrieval through a network according to the user identity, and a result obtained by evaluating the risk level is obtained according to a set risk evaluation method, and the preset wind control level requirement refers to a wind control level standard set by the resource borrowing platform of the server aiming at resource borrowers, in an embodiment, the risk level may be set to 5 levels according to the historical data, where a user with a risk level of 1-3 is set to meet the requirement of the wind control level, and a user with a risk level of 4-5 is set to not meet the requirement of the wind control level, for example, when the risk level evaluation level of the user a is 1 level, it is determined that the user a meets the preset requirement of the wind control level, and when the risk level evaluation level of the user B is 4 levels, it is determined that the user B does not meet the preset requirement of the wind control level. The data labels refer to results of user characterization user characteristics obtained by extracting feature data of user information of each dimension of a user, wherein the dimension comprises user attribute labels, such as gender, age stage, education degree, work type, family type and the like; user economic and asset status labels including payroll income, expenditure amount, and user asset data, such as car presence, house presence (mortgage or full, etc.); the credit label of the user comprises credit card limit, consumption behavior and the like.

Step S300, determining a target lending resource party according to the label data and the pre-established association relationship between the label data and the lending resource party.

The resource lending party refers to a plurality of objects capable of providing resource borrowing services for users, specifically, the plurality of resource lending parties may be objects in which a data protocol for user client distribution is established on a resource borrowing platform corresponding to the server, and data interaction between the server and servers corresponding to the plurality of resource lending parties can be realized through the data protocol. And searching through the association relation by taking the label data of the target user as the basis to obtain the target lending resource party corresponding to the label data.

Step S400, sending a resource borrowing request message carrying target user data to a target server of a target lending resource party.

The resource borrowing request message carrying the target user data is a message generated by the server according to the user information and the label data, and on the basis of the resource borrowing request sent by the user to the server, a related data result analyzed by the server on the target user is added, and the original resource borrowing request is subjected to data updating to be sent to the target server corresponding to the target lending resource party for data processing, so that whether the target lending resource party receives the resource borrowing request of the target user is determined.

Step S500, when the borrowing service acceptance message fed back by the target server is received, first service data between the target lending resource party and second service data associated with the target user are generated according to the service data carried by the borrowing service acceptance message.

The server sends a resource borrowing request message carrying target user data to a target server of a target lending resource party, when a target user meets the wind control requirement of the target lending resource party, the target server corresponding to the target lending resource party determines resource borrowing services required to be handled by the target user and services applicable to the target user according to the resource borrowing request message, feeds back the handling state information of the services to the server, and establishes first service data according to the resource borrowing services and platform information of the target user. The first service data is service data between the target lending resource party and the resource borrowing platform, and the target lending resource party and the resource borrowing platform can synchronously update the associated data according to the first service data.

The second service data is service data between the resource borrowing platform and the target user, the resource borrowing platform does not provide resource borrowing for the target user, but is used as an intermediate mechanism for data management, the second service data comprises a resource return plan of a target user, comprising single return resource amount, return time and the like, through data interaction between the server, the target server and the target user terminal, the resource borrowing platform synchronously displays the resource returning plan data of the target user to the target lending resource party and sends a message prompt to the target user terminal according to the resource returning plan data, when the server receives a resource returning request (returning in advance or returning normally or returning overdue) sent by the target user terminal, the server of the resource borrowing platform completes data synchronization and butt joint with the target server of the target lending party.

Step S600, sending the resource borrowing acknowledgement message carrying the second service data to the target user terminal corresponding to the target user.

Step S700, when receiving the resource borrowing confirmation message fed back by the target user terminal, establishing a service data group containing the first service data and the second service data, and allocating the borrowed resources provided by the target lending resource party to the resource account of the target user according to the service data group.

The service data group is service data generated between the resource borrowing platform and a target lending resource party and between the resource borrowing platform and a target user, the resource borrowing platform is used as an intermediate mechanism to carry out bidirectional management on the data, and simultaneously provides data service for the target lending resource party and the target user, the customer source depth is increased through a user distribution mode, the users which do not meet the wind control requirement of the resource borrowing platform are distributed to other lending resource parties, repeated audit application of the users is avoided, and the resource borrowing service handling efficiency and the service handling success rate are improved. When returning the borrowed resources, the target user can allocate the resources in the resource account to the target lending resource party through the resource borrowing platform according to the corresponding resource account of the target user on the resource borrowing platform and the service data group.

The resource scheduling business processing method comprises the steps of carrying out risk grade information on a target user through the server, determining whether the target user needs to be distributed to other lending resource parties, carrying out user distribution through determining the target lending resource party corresponding to the target user when the user distribution needs to be carried out, directly sending user data obtained through analysis of the server to the target server through data interaction between the server and the target server of the target lending resource party, directly using the target server without repeated analysis, avoiding repeated analysis processing of user information by the target server, taking the server as an intermediate mechanism on the basis, and establishing a business data group containing first business data related to the target lending resource party and second business data related to the target user on the basis of existing business data, and then the indirect contact between the target lending resource party and the target user is established, the service data group is managed through the server, and the data interaction between the target lending resource party and the target user is not required to be carried out again, so that the data processing process is simplified, and the service handling efficiency is improved. .

In one embodiment, as shown in fig. 3, the step S300 of determining the target lending resource party according to the tag data and the pre-established association relationship between the tag data and the lending resource party includes:

step S310, according to the pre-established incidence relation between the label data and the lending resource, determining the lending resource set matched with the label data of the target user.

And step S380, generating shunting selection interface configuration data corresponding to the lending resource party set, and sending the shunting selection interface configuration data to a target user terminal corresponding to a target user.

Step S390, when receiving the selection trigger message for the lending resource party sent by the target user terminal, determining the target lending resource party corresponding to the selection trigger message.

Because the lending resource parties are numerous, one or more lending resource parties corresponding to the label data can be obtained by matching according to the label data of the target user and the pre-established association relationship between the label data and the lending resource parties to obtain a lending resource party set, when a plurality of lending resource parties exist in the lending resource party set, the target user can select the lending resource parties, the server generates distribution selection interface configuration data according to the information of the plurality of lending resource parties in the lending resource party set so that the user can select to which lending resource party to distribute, when the target user selects one lending resource party through the distribution selection interface configuration data of the target user terminal, the target user terminal generates a selection trigger message carrying the selected lending resource party information according to the selection result and sends the selection trigger message to the server, and the server triggers the lending resource party information carried by the message according to the selection, and determining the corresponding target lending resource party.

In one embodiment, as shown in fig. 4, before generating the diversion selection interface configuration data corresponding to the lending resource party set and sending the diversion selection interface configuration data to the target user terminal corresponding to the target user in step S380, the method further includes:

step S320, performing a preliminary screening on the lending resource in the lending resource set according to the risk level information of the target user and the wind control level requirement of the lending resource.

Step S330, according to the borrowed resource type information carried in the tag data of the target user, determining the attribute requirement of the lending resource party corresponding to the borrowed resource type information.

Step S340, secondary screening is carried out on the lending resource parties according to the attribute requirements of the lending resource parties, and a candidate lending resource party set is determined.

Step S350, determining a preset number of lending resource parties with the highest matching degree in the alternative lending resource party set according to the tag data of the target user.

Step S380, generating diversion selection interface configuration data corresponding to the lending resource party set, and sending the diversion selection interface configuration data to a target user terminal corresponding to a target user includes:

step S382, according to the determined lending resource party, generates corresponding distribution selection interface configuration data, and sends the distribution selection interface configuration data to a target user terminal corresponding to the target user.

The resource lending party is a bank or other financial institutions which have established a cooperative relationship with the resource borrowing platform, the resource borrowing can be specifically fund borrowing, such as loan, and the specifically borrowed resource type information can be divided into self-operation loan, entrusted loan and specific loan according to loan operation attributes; dividing the loan into a short-term loan, a medium-term loan and a long-term loan according to the service life; the loan of credit, guarantee loan and the like are classified according to the degree of credit, and particularly, the resource lending party comprises financial institutions such as banks, security companies, insurance companies, trust investment companies, fund management companies and the like which carry tags with different attributes, such as national stock system commercial banks, city commercial banks, personal consumption credit, elite loans and the like. The lending resource party has the lowest threshold requirement on the risk level of the user according to the service or product provided by the lending resource party, and can specifically screen the lending resource party matched with the label data of the target user according to the affiliated dimension of the label data of the user. In an embodiment, the lent resource parties in the screened candidate lending resource party set may be sorted according to the set number of shows according to the matching degree, and the preset number of lending resource parties with the highest matching degree is selected, so as to generate the distribution selection interface configuration data corresponding to the set number of lending resource parties and send the distribution selection interface configuration data to the target user terminal. The server provides the distribution selection interface configuration data to the user for the target user terminal where the target user is located, so that the target user can select the corresponding lending resource party through the distribution selection interface, select the corresponding skip interface according to the selection trigger message of the user, determine the target lending resource party, and conveniently establish the data connection between the target user and the target lending resource party through the resource borrowing platform. For example, according to the area or city of the target user, matching applicable city commercial banks and the like.

In another embodiment, as shown in fig. 5, in step S200, receiving a resource borrowing request of a target user, and when the risk level information of the target user does not meet the preset wind control level requirement, acquiring tag data of the target user includes:

step S230, receiving a resource borrowing request of a target user, and extracting feature data in user information according to the user information carried in the resource borrowing request.

And step S240, carrying out wind control analysis processing on the characteristic data to obtain the risk level information of the target user.

And step S250, when the risk grade information does not meet the preset wind control grade requirement, extracting the label data in the characteristic data.

In the embodiment, the server sends a set questionnaire link to the user terminal for information acquisition, wherein the questionnaire link can be a hyperlink of an H5 interface or information acquisition is performed through an application program downloaded by the target user terminal, and when the acquisition is completed, the target user terminal sends the acquired information to the server through a submission instruction triggered by the target user. In other embodiments, big data information of the target user can be acquired through a database or other servers according to the user identity in the acquired information, the characteristic data is obtained by extracting data information of each dimension acquired through acquisition, the characteristic data can include risk data and label data, the risk data can be obtained according to default records of the target user, the label data can be obtained by extracting characteristic words according to the data dimension, and the characteristic data is subjected to wind control analysis processing to obtain risk level information of the target user.

Specifically, whether the risk data of the existing default records exist is determined by extracting and screening the characteristic data of the acquired user information. The number and the threshold range of the risk grades can be set according to historical data and actual requirements, the risk grades at least comprise qualified types and unqualified types, qualified users can directly complete service application and handling on the resource borrowing platform, unqualified users can directly complete service application and handling on the related lending resource parties through the associated contact with other lending resource parties established by the resource borrowing platform, repeated application and auditing are avoided, and the resource borrowing service handling efficiency is improved.

In one embodiment, the characteristic data includes risk data and tag data. As shown in fig. 6, step S220, receiving a resource borrowing request from a target user, and extracting feature data in user information according to user information carried in the resource borrowing request includes:

step S222, receiving a resource borrowing request of a target user, and extracting user information of each preset dimension and existing risk data of the target user, which are carried in the resource borrowing request.

Step S224, determining a risk grade corresponding to the risk data according to the data category to which the risk data belongs and the risk data amount of each data category, and labeling the risk grade of the risk data to obtain the risk data with a risk grade label.

Step S226, label labeling the user information according to the preset dimensions, and obtaining label data of each preset dimension.

The existing risk data can be obtained by inquiring credit investigation data of a user recorded in a related authority, and the like, the preset risk level evaluation requirement can be that the risk proportion is determined according to the data type and the risk data amount of the risk data, wherein different data types have different risk proportions, different data in the same data type also have different risk proportions, for example, the overdue credit card of the principal and the overdue credit card of a spouse have different risk proportions, the overdue amount and the overdue time of the credit card of the principal correspond to different risks, and the risk proportion data can be specifically determined in a mode of setting a threshold. The preset dimensionality comprises dimensionalities corresponding to all data in the information acquisition, and the label marking refers to a process of extracting keywords in the acquired information of all the dimensionalities to serve as label data of the dimensionalities.

In one embodiment, in step S240, performing a wind control analysis process on the feature data, and obtaining risk level information of the target user includes:

in step S242, the level section to which the data content belongs is determined according to the data content of the tag data.

Step S244 determines the score data of the tag data according to the data dimension weight corresponding to the tag data and the rank section to which the data content belongs.

Step S246, determining risk level information of the target user according to the risk level tags carried by the risk data and the score data of each tag data.

Different data dimensions have different values in risk assessment, for example, a fund condition and a user gender have different influences on the risk assessment of a user, and the influence of the fund condition on the risk assessment is larger.

In a further embodiment, as shown in fig. 7, before determining the target lending resource party according to the tag data and the pre-established association relationship between the tag data and the lending resource party, step S300 further includes:

and step S260, marking the users which do not meet the preset wind control level requirement in the historical data, and searching for lending resource parties successfully establishing service relationship with the users.

Step S270, a sample user data set with a business relation with the lending resource party and sample label data of each user in the sample user data set are obtained.

Step S280, data classification is carried out on the sample label data, and label data corresponding to the sample user data set is determined.

Step S290, an association relationship between the tag data and the lending resource is established.

The method comprises the steps of searching a lending resource party establishing a business relation with a user through the user which does not meet the wind control requirement of a resource borrowing platform in historical data, determining that the user meets the user requirement of the lending resource party, determining the user requirement of the lending resource party through obtaining more user sets, classifying sample label data of each user in a sample user data set, determining label data corresponding to the sample user data set through classified common data, establishing an incidence relation between the label data and the lending resource party, and conveniently searching the corresponding lending resource party according to a data label of a target user.

It should be understood that although the various steps in the flow charts of fig. 2-7 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-7 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.

In one embodiment, as shown in fig. 8, there is provided a resource scheduling service processing apparatus, including:

the tag data acquisition module 200 is configured to receive a resource borrowing request of a target user, and acquire tag data of the target user when risk level information of the target user does not meet a preset wind control level requirement;

the target lending resource party determining module 300 is configured to determine a target lending resource party according to the tag data and a pre-established association relationship between the tag data and the lending resource party;

a request message sending module 400, configured to send a resource borrowing request message carrying target user data to a target server of the target lending resource party;

a data generating module 500, configured to generate, when receiving a borrowing service acceptance message fed back by the target server, first service data associated with the target lending resource party and second service data associated with the target user according to service data carried in the borrowing service acceptance message;

a confirmation message sending module 600, configured to send a resource borrowing confirmation message carrying second service data to a target user terminal corresponding to a target user;

the service data group establishing module 700 is configured to, when receiving the resource borrowing acknowledgement message fed back by the target user terminal, establish a service data group including the first service data and the second service data, and allocate the borrowed resource provided by the target lending resource party to the resource account of the target user according to the service data group.

In one embodiment, the target lending resource determination module 300 is further configured to determine, according to a pre-established association relationship between the tag data and the lending resource, a lending resource set matched with the tag data of the target user, generate distribution selection interface configuration data corresponding to the lending resource set, send the distribution selection interface configuration data to a target user terminal corresponding to the target user, and when a selection trigger message for the lending resource sent by the target user terminal is received, determine a target lending resource corresponding to the selection trigger message.

In one embodiment, the target lending resource determination module 300 is further configured to determine, based on the risk level information of the target user and the risk level requirement of the lending resource, the lending resource parties in the lending resource party set are preliminarily screened, the attribute requirements of the lending resource parties corresponding to the borrowing resource type information are determined according to the borrowing resource type information carried in the tag data of the target user, and according to the attribute requirements of the lending resource parties, secondary screening is carried out on the lending resource parties, a spare lending resource party set is determined, the lending resource parties with the highest matching degree in the spare lending resource party set are determined according to the label data of the target user, and generating corresponding distribution selection interface configuration data according to the determined lending resource party, and sending the distribution selection interface configuration data to a target user terminal corresponding to a target user.

In one embodiment, the resource scheduling service processing apparatus further includes a wind control analysis module, configured to receive a resource borrowing request of a target user, extract feature data in user information according to user information carried in the resource borrowing request, perform wind control analysis processing on the feature data to obtain risk level information of the target user, and extract tag data in the feature data when the risk level information does not meet a preset wind control level requirement.

In one embodiment, the wind control analysis module is further configured to receive a resource borrowing request of a target user, extract user information of each preset dimension and existing risk data of the target user, which are carried in the resource borrowing request, determine a risk level corresponding to the risk data according to a data category to which the risk data belong and a risk data amount of each data category, label the risk data according to the risk level, obtain risk data carrying a risk level label, label the user information according to the preset dimension, and obtain label data of each preset dimension.

In one embodiment, the wind control analysis module is further configured to determine a level interval to which the data content belongs according to the data content of the tag data, determine score data of the tag data according to the data dimension weight corresponding to the tag data and the level interval to which the data content belongs, and determine risk level information of the target user according to the risk level tags carried by the risk data and the score data of each tag data.

In one embodiment, the resource scheduling service processing apparatus further includes an association relationship establishing module, configured to mark a user who does not meet a preset wind control level requirement in the historical data, search for a lending resource party that successfully establishes a service relationship with the user, obtain a sample user data set having a service relationship with the lending resource party, and sample tag data of each user in the sample user data set, perform data classification on the sample tag data, determine tag data corresponding to the sample user data set, and establish an association relationship between the tag data and the lending resource party.

The resource scheduling service processing device determines whether the target user needs to be distributed to other lended resource parties by the server according to the risk grade information of the target user, performs user distribution by determining the target lended resource party corresponding to the target user when the user distribution needs to be performed, directly transmits the user data obtained by analyzing the server to the target server through data interaction between the server and the target server of the target lended resource party, the target server can be directly used without repeated analysis, avoids the target server from performing repeated analysis processing on the user information, takes the server as an intermediate mechanism on the basis, and establishes a service data group comprising first service data associated with the target lended resource party and second service data associated with the target user on the basis of the existing service data by establishing the server as the intermediate mechanism, and then the indirect contact between the target lending resource party and the target user is established, the service data group is managed through the server, and the data interaction between the target lending resource party and the target user is not required to be carried out again, so that the data processing process is simplified, and the service handling efficiency is improved.

For specific limitations of the resource scheduling service processing apparatus, reference may be made to the above limitations of the resource scheduling service processing method, which is not described herein again. All or part of each module in the resource scheduling service processing device can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 9. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile 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 an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing resource scheduling service processing data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource scheduling service processing method.

Those skilled in the art will appreciate that the architecture shown in fig. 9 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, there is provided a computer device comprising a memory storing a computer program and a processor implementing the following steps when the processor executes the computer program:

receiving a resource borrowing request of a target user, and acquiring label data of the target user when the risk level information of the target user does not meet the preset wind control level requirement;

determining a target lending resource party according to the label data and the pre-established association relationship between the label data and the lending resource party;

sending a resource borrowing request message carrying target user data to a target server of a target lending resource party;

when a borrowing service acceptance message fed back by a target server is received, generating first service data associated with a target lending resource party and second service data associated with a target user according to service data carried by the borrowing service acceptance message;

sending a resource borrowing confirmation message carrying second service data to a target user terminal corresponding to a target user;

when receiving a resource borrowing confirmation message fed back by a target user terminal, establishing a service data group containing first service data and second service data, and allocating the borrowed resources provided by a target lending resource party to a resource account of the target user according to the service data group.

In other embodiments, when the processor executes the computer program, the steps corresponding to the embodiments of the resource scheduling service processing method are also implemented.

The computer equipment for realizing the resource scheduling service processing method determines whether the target user needs to be distributed to other lending resource parties by the risk grade information of the target user through the server, performs user distribution by determining the target lending resource party corresponding to the target user when the user distribution needs to be performed, performs data interaction between the server and the target server of the target lending resource party, directly transmits the user data obtained by analyzing the server to the target server, can be directly used by the target server without repeated analysis, avoids the repeated analysis processing of the user information by the target server, takes the server as an intermediate mechanism on the basis, and establishes a service data group comprising first service data associated with the target lending resource party and second service data associated with the target user on the basis of the existing service data, and then the indirect contact between the target lending resource party and the target user is established, the service data group is managed through the server, and the data interaction between the target lending resource party and the target user is not required to be carried out again, so that the data processing process is simplified, and the service handling efficiency is improved.

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:

receiving a resource borrowing request of a target user, and acquiring label data of the target user when the risk level information of the target user does not meet the preset wind control level requirement;

determining a target lending resource party according to the label data and the pre-established association relationship between the label data and the lending resource party;

sending a resource borrowing request message carrying target user data to a target server of a target lending resource party, and generating first service data associated with the target lending resource party and second service data associated with a target user according to service data carried by a borrowing service acceptance message when the borrowing service acceptance message fed back by the target server is received;

sending a resource borrowing confirmation message carrying second service data to a target user terminal corresponding to a target user;

when receiving a resource borrowing confirmation message fed back by a target user terminal, establishing a service data group containing first service data and second service data, and allocating the borrowed resources provided by a target lending resource party to a resource account of the target user according to the service data group.

In other embodiments, the computer program, when executed by the processor, further implements the steps corresponding to the embodiments of the resource scheduling service processing method.

The computer-readable storage medium for implementing the resource scheduling service processing method determines whether the target user needs to be distributed to other lending resource parties by performing risk level information on the target user through the server, performs user distribution by determining the target lending resource party corresponding to the target user when user distribution needs to be performed, directly transmits the user data obtained by analysis of the server to the target server through data interaction between the server and the target server of the target lending resource party, and the target server can be directly used without repeated analysis, thereby avoiding repeated analysis processing of user information by the target server, and on the basis, by taking the server as an intermediate mechanism, on the basis of existing service data, by establishing a service data group containing first service data associated with the target lending resource party and second service data associated with the target user, and then the indirect contact between the target lending resource party and the target user is established, the service data group is managed through the server, and the data interaction between the target lending resource party and the target user is not required to be carried out again, so that the data processing process is simplified, and the service handling efficiency is improved.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware related to instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above examples only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.