CN112990662B

CN112990662B - Target resource determination method and device

Info

Publication number: CN112990662B
Application number: CN202110169117.2A
Authority: CN
Inventors: 沈雅娟
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-02-07
Filing date: 2021-02-07
Publication date: 2022-10-04
Anticipated expiration: 2041-02-07
Also published as: CN112990662A

Abstract

The embodiment of the specification provides a target resource determining method and a target resource determining device, wherein the method is applied to a project platform and comprises the steps of determining an initial resource corresponding to a target project and a user set participating in the target project under the condition that the target project of the project platform meets a preset starting condition; calculating the range of the selected resources corresponding to the target project by the initial resources according to a preset algorithm; acquiring the candidate resources of each user in the user set based on the candidate resource range, and determining a target user based on the candidate resources; and receiving target resources of the target object determined by other users except the target user based on the initial resources and the candidate resources of the target user, and sending the target resources to the target user.

Description

Target resource determination method and device

Technical Field

The embodiment of the specification relates to the technical field of computers, in particular to a target resource determining method. One or more embodiments of the present specification also relate to a target resource determination apparatus, a computing device, and a computer-readable storage medium.

Background

Along with the development of the internet, more and more people are willing to help themselves and help others in a mutual-aid mode, such as mutual-aid living goods, mutual-aid fund and the like, not only can the burden of basic life of people be reduced, but also the financial burden can be reduced for financial units and the like in a mutual-aid mode, but the existing mutual-aid mode is generally a small group which is simply established by depending on human conditions and trust, group mutual-aid is realized in the small group, target objects (such as fund or living goods and the like) of each small group which are mutually assisted are also different in a messy way, and a mutual-aid project which is adaptive to the user and has a high safety coefficient is difficult to find from a large number of small groups to participate; even if a user can find a proper mutual aid project, the mutual aid object distribution and calculation processes of the subsequent mutual aid project are manually realized, the accuracy and the real-time performance are poor, and the mutual aid target object is sent to the target mutual aid person at last and is also manually carried out, so that a great safety risk exists under the condition that the human action is lack of supervision.

Disclosure of Invention

In view of this, the embodiments of the present disclosure provide a target resource method. One or more embodiments of the present specification also relate to a target resource device, a computing apparatus, and a computer-readable storage medium to address technical deficiencies in the prior art.

According to a first aspect of the embodiments of the present specification, there is provided a target resource method applied to a project platform, including:

determining initial resources corresponding to a target project and a user set participating in the target project under the condition that the target project of the project platform meets a preset starting condition;

calculating the range of the selected resources corresponding to the target project by the initial resources according to a preset algorithm;

acquiring the participating resource of each user in the user set based on the participating resource range, and determining a target user based on the participating resource;

and receiving the target resource of the target object determined by other users except the target user based on the initial resource and the participating resource of the target user, and sending the target resource to the target user.

According to a second aspect of the embodiments of the present specification, there is provided a target resource determining apparatus applied to a project platform, including:

the project determining module is configured to determine a target project from a project database of the project platform, determine an initial resource corresponding to the target project, and participate in a user set of the target project;

the calculation module is configured to calculate the initial resource range of the target project according to a preset algorithm;

the target user determination module is configured to acquire the candidate resources of each user in the user set based on the candidate resource range, and determine a target user based on the candidate resources;

and the target resource determining module is configured to receive the target resource of the target object determined by other users except the target user based on the initial resource and the participating resource of the target user, and send the target resource to the target user.

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is for storing computer-executable instructions that, when executed by the processor, implement the steps of the target resource determination method.

According to a fourth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the target resource determination method.

An embodiment of the present specification implements a target resource determination method and apparatus, where the method is applied to a project platform, and includes determining an initial resource corresponding to a target project of the project platform and a user set participating in the target project when the target project meets a preset starting condition; calculating the range of the selected resources corresponding to the target project by the initial resources according to a preset algorithm; acquiring the participating resource of each user in the user set based on the participating resource range, and determining a target user based on the participating resource; and receiving target resources of the target object determined by other users except the target user based on the initial resources and the candidate resources of the target user, and sending the target resources to the target user. Specifically, the target project which can realize mutual assistance is reasonably managed by establishing a project platform, the proper target project is conveniently distributed to the user, the target project is realized on the project platform, the mutual assistance target resource is calculated for the target user through the project platform, the calculation speed and accuracy of the mutual assistance target resource are greatly improved, and the labor cost is reduced; and the mutual target resources are directly sent to the target users through the project platform, so that the implementation safety of the whole target project is improved.

Drawings

FIG. 1 is a flowchart of a method for determining a target resource according to an embodiment of the present disclosure;

FIG. 2 is a flowchart illustrating a target resource determination method applied to a book collaboration scenario according to an embodiment of the present disclosure;

fig. 3 is a schematic structural diagram of a target resource determining apparatus according to an embodiment of the present specification;

fig. 4 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be implemented in many ways other than those specifically set forth herein, and those skilled in the art will appreciate that the present description is susceptible to similar generalizations without departing from the scope of the description, and thus is not limited to the specific implementations disclosed below.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if," as used herein, may be interpreted as "at \8230; \8230when" or "when 8230; \823030when" or "in response to a determination," depending on the context.

First, the noun terms referred to in one or more embodiments of the present specification are explained.

Firstly, the method comprises the following steps: the sponsor of the mutual meeting (i.e., the mutual item), or the mutual referral by all members.

And (4) member: participants other than the meeting head.

Gold marking: the pre-agreed conference fee to be paid by each member at each period is fixed.

And (3) obtaining a standard: and obtaining the qualification of all the meeting money of a certain stage of raising.

Death: the member who has got the bid is the "death meeting".

The method comprises the following steps: the members who have not got the bid are the "live meetings".

Falling into the meeting: the action that a member no longer pays the fee after receiving the bid is called as 'reverse meeting'.

The current folk mutual-help meeting can collect the first full amount of the meeting from all members after the meeting is started, and the first fund is returned to the first meeting. At the same time, the party is first obligated to collect the party at each period, collect the fee and pay the entire fee to the members who bid at that period. If the member does not pay the money on time, the member must pay first and then discuss the member. In this way, the following problems may occur: due to the lack of screening and restriction of the participants, the phenomenon of fraud escape often occurs; lack of interest standards, and increase the risk of falling chance when the formulation is too high; once someone falls, later bidders lack reasonable guarantee; the money of each meeting needs to be collected and delivered to the bidder at the first meeting, so that the operation is troublesome and the safety risk exists; and all the mutual aid contents are manually participated, and the risk coefficient is higher.

In view of this, in the present specification, there is provided a target resource determining method, and the present specification relates to a target resource determining apparatus, a computing device, and a computer-readable storage medium, which are described in detail one by one in the following embodiments.

In practical applications, the target resource determining method provided in the embodiment of the present disclosure may be applied not only to a loan mutual aid scenario, but also to any other items that need to realize mutual aid, such as book mutual aid, living goods mutual aid, clothing mutual aid, and the like.

Referring to fig. 1, fig. 1 is a flowchart illustrating a target resource determination method according to an embodiment of the present specification, where the target resource determination method is applied to a project platform, and specifically includes the following steps.

Step 102: and under the condition that the target project of the project platform meets a preset starting condition, determining initial resources corresponding to the target project and participating in a user set of the target project.

Specifically, the target resource determining method is applied to a project platform, the target resource can be rapidly and accurately determined and safely sent to each target user through the target resource determining method in the project platform, human participation is not needed, labor cost and human risks are greatly reduced, the project platform can manage the target projects, the project platform can allocate appropriate target projects to the users based on attribute information of the users and matching performance of the target projects, and user experience is improved.

The target resource determining method is applied in different scenes, different target projects and different target resources; for example, the target resource determination method is applied to a loan scene, the target project may be a loan mutual aid project, and the target resource is a loan; the target resource determining method is applied to a book borrowing scene, the target item can be a book mutual-aid item, and the target resource is a book.

In practical application, a plurality of target items exist in the item platform, and each target item has a preset starting condition, where the preset starting condition is set according to a practical application scenario, and this specification does not limit this. For example, the preset starting condition is that 8 users participating in the target project are reached, and the starting time of the target project is 9 am of year, month and day, and the like.

Specifically, under the condition that a target project of a project platform meets a corresponding preset starting condition, the target project is started, and then an initial resource corresponding to the target project and a user set participating in the target project are determined; wherein the initial resource can be understood as a fixed participating resource of the target project.

Taking the target project as a book participation project as an example, the initial resource of the target project may be a book, that is, all users participating in the target project borrow a book from the selected target user.

In specific implementation, before determining the initial resource corresponding to the target project and participating in the user set of the target project, the method further includes:

generating at least one target project based on a preset project generation rule, and storing the at least one target project to a project database of the project platform;

and setting a corresponding project participation level for each target project based on the project attribute of each target project in the at least one target project.

For example, the preset item generation rule may include a first bidding time of the target item (i.e., a first starting time of the target item), a bidding period (i.e., a period of the target item), a bidding period (i.e., a time of participating in the target item), an admissible membership credit rating (i.e., a credit rating of a user admitted to participate in the target item), an accounting fee (i.e., an initial resource of the target item), membership persons (i.e., a number of persons participating in the target item), and/or interest (i.e., a cost that the target user of the target item needs to pay) range.

Specifically, each target project is generated according to each preset project generation rule, and then all the generated target projects are stored in a project database of a project platform; meanwhile, setting a corresponding project participation level for each target project based on the project attribute of each target project; wherein, the item attribute can be understood as the conference fee, interest, etc. of the item, and the item participation level can be understood as the level of the target item.

In practical applications, the conference fee, interest, etc. of each target item are different, and the set level is also different, for example, the higher the level of the target item with high conference fee and interest is, the higher the level of the persons who can participate in the target item is, and the higher the level is.

The target item (i.e. the mutual aid in table 1) is used as the loan mutual aid item for explanation, see table 1.

TABLE 1

As can be seen from table 1, the target item can be divided into three levels, and each level has different access credit level, upper limit of the conference fee, number of members and interest range, wherein the interest range is calculated according to the percentage of the principal, for example, the conference fee is 50000, the interest is 500/term/person according to 1%, the interest is 2500/term/person according to 5%, and therefore, when the mutual help conference level is a, the access credit level is good, the upper limit of the conference fee is 50000, the number of members is 10, and the interest range is 500-2500.

In the embodiment of the specification, a plurality of target projects are generated according to a preset project generation rule in an actual demand, and all the target projects are stored in a project database of a project platform, so that not only can actual target projects be established based on project participation demands of users, and user experience be improved, but also the target projects can be managed in a centralized manner in the project database of the project platform, and normalization of the target projects is realized; in addition, a corresponding project participation level is set for each target project based on the project attribute of each target project, the target project participation of the same level is matched for the user based on the attribute information of the user, the situation that the user with poor qualification is matched into the target project with the level and the high conference cost, the conference cost burden is caused for the user is avoided, meanwhile, the situation that the user with the high qualification is matched into the target project with the low level and the low conference cost, the target resource allocated for the user is low, and the user experience is poor is avoided.

In practical applications, before determining the initial resource corresponding to the target item and participating in the user set of the target item, the method further includes:

receiving a target project participation request of a user, wherein the participation request carries attribute information of the user;

determining a project engagement level of the user based on the attribute information of the user;

determining a corresponding target item list for the user from a project database of the project platform based on an association between the project participation level of the user and the project participation level of each target project;

determining a target item selected by the user in the target item list, and allowing the user to participate in the target item if the user meets an participation condition of the target item.

The attribute information of the user includes, but is not limited to, a credit score of the user on the project platform, and the like.

In specific implementation, receiving a target project participation request of each user, wherein each participation request carries a credit value of the user on a project platform; and then determining the project participation level of the user based on the credit score of the user on the project platform, namely determining the level of the target project which can be participated in by the user, wherein the target project at the same level can be participated in according to the project participation level of the user, and the target project at a low level can also be participated in.

And determining a corresponding target item list for each user from the item database of the item platform based on the incidence relation between the item participation level of the user and the item participation level of each target item, wherein the target item list comprises at least one target item which is equal to or less than the item participation level of the user.

In practical application, if the credit level of the user on the project platform is too low, there may be no target project allowed, so after determining the project participation level of the user based on the attribute information of the user, it is determined whether the project participation level of the user is smaller than a preset participation level threshold, and if so, it is determined that the user does not have a corresponding target project, where the preset participation level threshold may be set according to practical application, and no limitation is made herein.

Finally, receiving a target item selected by each user based on the corresponding target item list, and allowing the user to participate in the target item under the condition that the user meets the participation condition of the selected target item; wherein the participation condition includes, but is not limited to, that the project member in the target project is not full, that the target project has not reached the start time, and/or that the user is not participating in other target projects.

In the embodiment of the specification, at least one appropriate target item is matched for each user based on the item participation level of each user and sent to each user, a rule table of the corresponding relation between the item participation level of the target item and the item participation level of the user is displayed for the user, and the user can also know the relation between the credit score and the credit level of the user, the relation between the credit level and the admission condition of each target item and the like through the rule table; then, receiving a condition that a user selects one target project from suitable target projects for participation based on own requirements, and allowing the user to participate in the target project under the condition that the user meets the selected target project; through the item participation level mode, the matched target items are recommended to the user, the user can autonomously select the target items to participate according to the needs of the user, and the user experience is improved.

Step 104: and calculating the range of the selected resources corresponding to the target project by the initial resources according to a preset algorithm.

The preset algorithm is set according to an actual application scene, for example, a method of calculating according to a preset proportion.

Taking the initial resource as a loan and the preset algorithm as a preset proportion calculation method as an example, wherein the preset proportion is 1% -5%, at this time, if the initial resource is 50000, the initial resource is calculated according to the preset algorithm, and the range of the candidate resource corresponding to the target project can be obtained to be 500-2500.

In addition, if the target item is a book mutual help item, the reference resource range of the book mutual help item, which is calculated by the initial resource according to a preset algorithm, can also be awarded by a plurality of pens or a plurality of notebooks and the like.

Step 106: and acquiring the participating resources of each user in the user set based on the participating resource range, and determining a target user based on the participating resources.

Specifically, after the range of the participating resources is determined, the participating resources of each user in the user set are obtained, and the target user is determined from the user set based on the participating resources of each user.

Optionally, the obtaining the candidate resources of each user in the user set, and determining the target user in the user set based on the candidate resources includes:

and acquiring the participating resources of each user in the user set, arranging the participating resources according to a descending order, and taking the user corresponding to the first arranged participating resource as a target user.

And the participation resource is the participation resource which each user in the user set is willing to provide in the participation resource range.

Along the above example, if the range of the selected resource is 500-2500, then the selected resource of each user is the amount of money provided by each user in the range of 500-2500. For example, the user set includes user 1, user 2, user 3, and user 4, the reference resource of user 1 is 500, the reference resource of user 2 is 800, the reference resource of user 3 is 900, and the reference resource of user 4 is 1000, then the reference resources are ranked in descending order, that is, 1000, 900, 800, and 500, and then the user 4 corresponding to the first ranked reference resource 1200 is taken as the target user.

In the embodiment of the specification, when the target users of the target items are screened, the target users can be quickly determined based on the participating resources of each user in the user set.

In practical application, users with the same participating resources may occur, and if the participating resources among the users are the same, in order to avoid conflict, a user with an earlier participating target project may be taken as a target user, and the specific implementation manner is as follows:

the step of arranging the reference resources in a descending order and taking the user corresponding to the first arranged reference resource as the target user comprises the following steps:

arranging the participating resources in a descending order, and determining a user corresponding to each first participating resource under the condition that two or more first participating resources exist;

and determining the target user according to the time for receiving the participating resources of the user corresponding to each first participating resource.

Along the above example, if the participating resource of the user 1 is 500, the participating resource of the user 2 is 800, the participating resource of the user 3 is 1000, and the participating resource of the user 4 is 1000, the participating resources are arranged in descending order, which is [1000, 800, 500], at this time, it can be determined that the participating resources of the users 3 and 4 are the same, and at this time, if the time of the user 4 participating in the target project is earlier than the time of the user 3 participating in the target project, the user 4 is taken as the target user.

In another case, target users in the user set that may have a target project may not be satisfied with the current initial resource, and therefore none of the users is willing to issue a participating resource, in this case, in order to ensure normal operation of the target project, the user who participates in the target project earliest is taken as the target user, and the specific implementation manner is as follows:

obtaining the participating resources of each user in the user set, and determining a target user based on the participating resources, including:

and acquiring the participation resource of each user in the user set, and determining the target user based on the participation time of each user in the user set in participating in the target project under the condition that each user in the user set has no participation resource.

In the embodiment of the present specification, under the condition that each user in the user set is a participating resource, the project platform acquires the participation time of each user participating in the target project, and then takes the user with the earliest participation time as the target user, so as to ensure the normal operation of the target project.

Step 108: and receiving target resources of the target object determined by other users except the target user based on the initial resources and the candidate resources of the target user, and sending the target resources to the target user.

Along the above example, if the target user is user 3, then user 1 and user 2 in the user set are other users.

Specifically, the receiving the target resource of the target object, which is determined by other users except the target user based on the initial resource and the participating resource of the target user, includes:

receiving candidate resources which are sent by other users except the target user and are determined based on the initial resources and the participating resources of the target user in a first time period;

and accumulating the candidate resources of all other users to form the target resource of the target user.

The first time period can be preset according to actual application, namely, each target project has a corresponding resource payment time limit. For example, candidate resources sent by other users can be received within 7 days from the starting of the target project, the candidate resources are not received after the time, meanwhile, each target project has mutual assistance in N periods (for example, a month or a year) according to the number N of participating users, and the mutual assistance in each period sets the participation time and the time for paying the initial resources.

For example, if the first time period is 7 days, the initial resource is 50000, and the candidate resource of the target user is 1000, the candidate resource sent by the user other than the target user and determined based on the initial resource 50000 and the candidate resource 500 of the target user is received within 7 days of the starting of the target project.

Still taking the target user as user 4, and the other users as user 1, user 2 and user 3 as examples, the candidate resource for user 1 is 50000-1000=49000, the candidate resource for user 2 is 50000-1000=49000, and the candidate resource for user 3 is 50000-1000=49000.

Then accumulating the candidate resources of the user 1, the user 2 and the user 3 to form the target resource of the target user: 49000+49000=147000.

In the embodiment of the present specification, in order to ensure efficient operation of a target project and not cause hysteresis of a target resource, a first time period is set to limit time for sending a candidate resource by another user, so as to improve time for generating the target resource and avoid adverse situations to the target user.

In practical application, because the target items are mutual help items, users in each target item can enjoy an opportunity of being helped once, namely an opportunity of winning a bid, when one target item is started, the target item can not be closed until each user in a user set participating in the target item wins the bid once, and in order to avoid that each round of mutual help of the target item is taken as a target user by a person with higher participation resources, after each round is finished, the target user who wins the bid before is labeled, and in the next round of mutual help of the target item, the labeled target user does not have the qualification of being elected, so that the mutual help of each participating user in the target item is realized under a fair and positive environment. Specifically, in each target project, target users who bid earlier can conveniently integrate resources, and target users who bid later can obtain higher mutual reward resources (i.e., participating resources).

Specifically, the user set includes a first user;

correspondingly, the obtaining the candidate resource of each user in the user set based on the candidate resource range, and determining the target user based on the candidate resource include:

and acquiring the participating resource of each first user in the user set based on the participating resource range, and determining a target user based on the participating resource.

The first user can understand that the target item is not labeled, that is, the target item is labeled in the previous round of interaction.

Following the above example, user 4 is the target user, and then user 1, user 2, and user 3 in the user set are the first users.

After the participating resource range is determined, the participating resources of the user 1, the user 2 and the user 3 in the user set are obtained based on the participating resource range, and then the target user is determined based on the participating resources of the user 1, the participating resources of the user 2 and the participating resources of the user 3.

In specific implementation, the user set comprises a second user;

correspondingly, the receiving the target resource of the target object determined by other users except the target user based on the initial resource and the participating resource of the target user includes:

receiving a first candidate resource of the target object determined by each first user except the target user based on the initial resource and the candidate resource of the target user;

receiving a second candidate resource of the target object determined by each second user except the target user based on the initial resource;

and accumulating the first candidate resource and the second candidate resource to form a target resource of the target user, and marking the target user as the second user.

Wherein, the second user can be understood as the user marked in the target project.

Still following the above example, the first users except the target user are user 1 and user 2, and the second users except the target user are user 4.

At this time, the receiving user 1 determines, based on the initial resource and the candidate resource of the target user, that the first candidate resource of the target object is: 50000-900=49100, and the receiving user 2 determines, based on the initial resource and the candidate resource of the target user, that the first candidate resource of the target object is: 50000-900=49100; the receiving user 4 determines the second candidate resource of the target object to be 50000 based on the initial resource.

First candidate resource 49100+49100 is then accumulated with second candidate resource 50000 to form target resource 148200 for the target user, and current target user 3 is labeled as the second user.

In the embodiment of the present specification, since the target user has enjoyed help in the previous round of mutual assistance of the target item, the target user does not enjoy the mutual assistance advantage any more in the next round of mutual assistance of the target item, so as to balance the mutual assistance interests of other users in the user set and avoid the occurrence of project participation conflict and poor user experience.

In another embodiment of this specification, after receiving the target resource of the target object determined by the other users except the target user based on the initial resource and the participating resource of the target user, the method further includes:

taking other users except the target user, which do not send the candidate resources in the first time period, as third users;

judging whether the number of times that the candidate resource is not transmitted by the third user is less than or equal to a preset number threshold,

if so, acquiring a payment resource corresponding to the candidate resource which is not sent by the third user from the project platform as the candidate resource of the third user, and reducing the credit score of the third user on the project platform according to a preset condition;

and if not, sending the attribute information of the third user to a third-party platform.

In practical application, in each round of mutual assistance of the target project, other users except the target user who do not pay the candidate resources according to the first time period are used as third users.

Each round of mutual help of the target project limits the time for paying the candidate resources of other users except the target user so as to ensure that each round of mutual help is carried out quickly, and therefore under the condition that some other user except the target user does not pay the candidate resources according to the time, a certain punishment mechanism can be carried out on a third user.

The preset number threshold may be set according to practical applications, for example, set to 1 time, 2 times, and the like.

For example, taking the preset time threshold as 2 times as an example, after the third user is determined, if the number of times that the third user does not send the candidate resource is less than or equal to 2, the resource corresponding to each candidate resource that the third user does not send may be obtained from the project platform as the candidate resource of the third user, and then the credit score of the third user on the project platform is reduced according to the preset condition.

For example, the number of times that the third user does not send the candidate resource is 1, which is less than the preset number threshold 2, and the candidate resource to be sent by the third user is 10000, then 10000 is obtained from the project platform as the candidate resource of the third user, and meanwhile, the credit score of the third user on the project platform is reduced according to a preset condition, where the preset condition may be reduction according to the proportion of the candidate resource, and the like.

And if the number of times that the third user does not send the candidate resource is 3 and is greater than the preset number threshold value 2, sending attribute information (such as name, mobile phone number, certificate number, home address and the like) of the third user to a third party platform (such as some legal credit investigation systems and the like).

In specific implementation, after the credit score of the third user on the project platform is reduced according to the preset condition, the method further includes:

and under the condition that the candidate resource corresponding to the payment-for-placement resource and sent by the third user is received in the second time period, the credit score of the third user on the project platform is reduced to the score before the reduction according to the preset condition.

Wherein the second time period can be understood as the time from the current mutual help of the target item to the next mutual help.

Specifically, if the third user sends the candidate resource corresponding to the payment resource of the project platform to the project platform before the next round of mutual assistance starting of the target project, the credit score of the third user on the project platform can be restored to the score before being reduced according to the preset condition.

In specific implementation, under the condition that a third user is overdue to pay candidate resources, although the project platform carries out bottom holding, overdue interest can be generated, and the credit score can be automatically restored under the condition that the third user pays the overdue candidate resources and the corresponding interest to the project platform before the next round of mutual assistance starting of the target project.

For example, when the third user pays for 1 time in the overdue meeting, the third user is paid by the bottom of the project platform, and the credit score of the third user on the project platform is greatly reduced (the reduced score is set as X1 score); and overdue may generate overdue interest (e.g., overdue interest = overdue amount of money, days of overdue, interest, 1.5), and if the third user submits the overdue 1 of the conference fees and overdue interest to the platform before the next round of mutual help of the target item, X1 points may be automatically restored and the original credit score may be returned. When the third user pays the meeting fee for 2 times in overdue, the third user is paid by the bottom pad of the project platform, the credit score of the third user is reduced to be outside the meeting entry standard (namely the participation mark of the target project is participated) (the reduced score is set as X2), overdue interest is generated in overdue (such as overdue interest = overdue amount, the overdue number of days is interest, and the X2 score can be automatically restored and the original credit score can be returned if the third user pays the meeting fee and the overdue interest for 2 times in overdue before the next round of mutual help of the target project. When the overdue payment and meeting fee of the third user is more than 2 times, the project platform uploads the overdue record of the third user to a legal third-party personal credit system; and during the overdue period of the third user, the project platform starts the payment urging process according to the conditions, such as payment urging through the forms of telephone, short message and the like, the situation is serious, the legal way is not eliminated, and the debt is recovered and returned to other users (the debt and part of overdue interest are returned according to the membership bidding order, and the rest of the overdue interest is collected by the platform).

In the embodiment of the description, a buffer period is set for a third user who does not send a candidate resource on time, in order to ensure normal operation of a target project, a project platform carries out bottom-trapping on the candidate resource of the third user in the buffer period, and in order to ensure safety of the resource, the behavior of the third user is restrained by combining a third party platform in a credit score mode, so that user experience is improved.

In specific implementation, the project platform manages the target project and the participating users, and in order to ensure that the project platform manages the target project and the participating users better, certain service resources are generated for the project platform during each round of target project operation so as to ensure that the project platform supervises the target project more accurately, the specific implementation manner is as follows:

accumulating the candidate resources of all other users to form the target resource of the target user includes:

and accumulating the candidate resources of all other users, and subtracting the service resources of the project platform based on the accumulation result to form the target resource of the target user.

The service resource can be understood as a resource paid to the project platform.

In addition, in order to ensure the safety and the legality of the project platform, the project platform also receives the supervision of other third-party legal authorities.

In another embodiment of this specification, after sending the target resource to the target user, the method further includes:

and under the condition that all users in the user set participating in the target item are determined to receive the target resource sent by the item platform, deleting the target item from the item database of the item platform. Or after all users in the user set participating in the target item are determined to receive the preset time (such as 10 days or 30 days) of the target resource sent by the item platform, deleting the target item from the item database of the item platform.

In this embodiment of the present specification, in a case where each user in the target project acquires a target resource, the target project is ended, and at this time, in order to avoid occupation of the project platform management resources by multiple ended target projects, the ended target projects are deleted from the project database of the project platform, so as to save space occupation and management complexity of the project platform.

In the following, with reference to fig. 2, taking an application of the target resource determining method provided in this specification in a book mutual aid scenario as an example, the target resource determining method is further described, which specifically includes the following steps.

Step 202: receiving a book mutual-help project participation request of a user, wherein the participation request carries credit information of the user.

Step 204: determining a project engagement level for the user based on the credit information for the user.

Step 206: and determining a corresponding book mutual-aid item list for the user from the item database of the item platform based on the incidence relation between the item participation level of the user and the item participation level of each book mutual-aid item.

Step 208: and determining a target book mutual-help item selected by the user in the book mutual-help item list, and allowing the user to participate in the target book mutual-help item under the condition that the user meets the participation condition of the target book mutual-help item.

Step 210: and under the condition that the target book mutual-help project meets the preset starting condition, determining initial resources corresponding to the target book mutual-help project and a user set participating in the target book mutual-help project.

Step 212: and calculating the range of the participating resources corresponding to the target book mutual-aid project by the initial resources according to a preset algorithm.

Step 214: and acquiring the reference resource of each unmarked user in the user set based on the reference resource range, and determining a target user based on the reference resource.

Step 216: receiving a first candidate resource determined by other unlabeled users except the target user based on the initial resource and the participating resources of the target user, and a second candidate resource determined by the labeled user based on the initial resource; and subtracting the service resource of the project platform from the sum of the first candidate resource and the second candidate resource to form a target resource of the target user, and sending the target resource to the target user.

Step 218: and labeling the target user, and continuing to execute the step 210 until all the users in the user set participating in the target book mutual-help project are labeled, and ending the target book mutual-help project.

For example, the initial resource is 200 books, and the users in the user set participating in the target book mutual aid project are: the method comprises a user a, a user b and a user c, wherein the user a is a labeling user, the preset algorithm is 1% -2%, and then the calculated participating resources range from 2 books to 4 books.

And based on the reference resource range, obtaining reference resources of the user b and the user c respectively, for example, the reference resource of the user b is 3 books and the reference resource of the user c is 4 books, so that the user c can be determined as the target user.

Then, receiving a first candidate resource determined by the user b based on the initial resource and the reference resource of the target user: 200-3=197, and receiving a second candidate resource determined by user a based on the initial resource: 200, subtracting the service resource 4 from the sum 394 of the first candidate resource and the second candidate resource to obtain the final target resource of the target user: 390; and finally, the target resource 390 corresponding to the user c is sent to the user c.

In the embodiment of the specification, the target resource determination method screens members (i.e., users) to establish mutual-help meetings (e.g., target book mutual-help projects) based on a credit rating system, enlarges the composition range of the mutual-help meetings, supervises from the aspects of platform protocols, laws and the like, and improves the constraint and guarantee on the members; the problem that the entrants are lack of screening and restriction and fraud escape often occurs is solved, the admission threshold is limited through credit rating, the choices of the mutual help that the lower-rated persons can join are limited, the grade is relatively lower, and the limits are received in the aspects of meeting fees, number of persons, interest and the like, so that the overall risk is reduced; in addition, interest (namely, resource participation) standards are formulated, risks of falling are avoided, all operations are completed on the platform line, and therefore the whole target project is safer.

Corresponding to the foregoing method embodiment, this specification further provides an embodiment of a target resource determining apparatus, and fig. 3 illustrates a schematic structural diagram of a target resource determining apparatus provided in an embodiment of this specification.

As shown in fig. 3, the apparatus is applied to a project platform, and the apparatus includes:

a project determining module 302 configured to determine a target project from a project database of the project platform, and determine an initial resource corresponding to the target project, and a user set participating in the target project;

the calculating module 304 is configured to calculate a candidate resource range corresponding to the target project according to a preset algorithm with respect to the initial resource;

a target user determination module 306 configured to obtain the candidate resources of each user in the user set based on the candidate resource range, and determine a target user based on the candidate resources;

a target resource determining module 308 configured to receive the target resource of the target object determined by other users except the target user based on the initial resource and the candidate resource of the target user, and send the target resource to the target user.

Optionally, the apparatus further comprises:

a target item generation module configured to:

Optionally, the apparatus further comprises:

a target item engagement module configured to:

determining an item engagement level for the user based on the attribute information of the user;

determining a corresponding target item list for the user from a project database of the project platform based on an incidence relation between the project participation level of the user and the project participation level of each target item;

Optionally, the target user determination module 306 is further configured to:

Optionally, the target user determining module 306 is further configured to:

Optionally, the target resource determining module 308 is further configured to:

receiving candidate resources which are sent by other users except the target user and are determined based on the initial resources and the reference resources of the target user in a first time period;

Optionally, the user set includes a first user;

accordingly, the target user determination module 306 is further configured to:

Optionally, the user set includes a second user;

accordingly, the target resource determination module 308 is further configured to:

Optionally, the apparatus further comprises:

a policy adjustment module configured to:

if so, acquiring a payment-related resource corresponding to the candidate resource which is not sent by the third user from the project platform as the candidate resource of the third user, and reducing the credit score of the third user on the project platform according to a preset condition;

Optionally, the apparatus further comprises:

a resource reissue module configured to:

Optionally, the apparatus further comprises:

an item deletion module configured to:

and under the condition that all users in the user set participating in the target item are determined to receive the target resource sent by the item platform, deleting the target item from the item database of the item platform.

The target resource determining device provided by the embodiment of the specification reasonably manages the target items capable of realizing mutual assistance in a way of establishing the project platform, so that the proper target items are conveniently distributed to the users, the target items are realized on the project platform, the mutual assistance target resources are calculated for the target users through the project platform, the calculation speed and accuracy of the mutual assistance target resources are greatly improved, and the labor cost is reduced; and the mutual target resources are directly sent to the target users through the project platform, so that the implementation safety of the whole target project is improved.

The above is an exemplary scheme of the target resource determining apparatus of this embodiment. It should be noted that the technical solution of the target resource determining apparatus and the technical solution of the target resource determining method belong to the same concept, and details that are not described in detail in the technical solution of the target resource determining apparatus can be referred to the description of the technical solution of the target resource determining method.

FIG. 4 illustrates a block diagram of a computing device 400 provided in accordance with one embodiment of the present description. The components of the computing device 400 include, but are not limited to, a memory 410 and a processor 420. Processor 420 is coupled to memory 410 via bus 430 and database 450 is used to store data.

Computing device 400 also includes access device 440, access device 440 enabling computing device 400 to communicate via one or more networks 460. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 440 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 400, as well as other components not shown in FIG. 4, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 4 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 400 may also be a mobile or stationary server.

Wherein the processor 420 is configured to execute computer-executable instructions that, when executed by the processor, implement the steps of the target resource determination method.

The foregoing is a schematic diagram of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the target resource determining method belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the target resource determining method.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions, which when executed by a processor, implement the steps of the target resource determination method.

The above is an illustrative scheme of a computer-readable storage medium of the embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the target resource determining method belong to the same concept, and for details that are not described in detail in the technical solution of the storage medium, reference may be made to the description of the technical solution of the target resource determining method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in source code form, object code form, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, read-Only Memory (ROM), random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of combinations of acts, but it should be understood by those skilled in the art that the embodiments are not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the embodiments. Furthermore, those skilled in the art will appreciate that the embodiments described in this specification are presently preferred and that no acts or modules are required in the implementations of the disclosure.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the teaching of the embodiments of the present disclosure. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A target resource determination method is applied to a project platform and comprises the following steps:

acquiring the candidate resources of each user in the user set based on the candidate resource range, and determining a target user based on the candidate resources;

and receiving target resources of target objects determined by other users except the target user based on the initial resources and the participating resources of the target user, and sending the target resources to the target user.

2. The method for determining target resources according to claim 1, before determining the initial resources corresponding to the target items and participating in the user set of the target items, further comprising:

3. The method for determining target resources according to claim 2, before determining the initial resources corresponding to the target items and participating in the user set of the target items, further comprising:

receiving a target project participation request of a user, wherein the target project participation request carries attribute information of the user;

4. The method for determining target resources according to claim 1 or 3, wherein the obtaining of the candidate resources of each user in the user set and determining the target user in the user set based on the candidate resources comprise:

5. The method for determining target resources according to claim 4, wherein the step of arranging the candidate resources in a descending order and taking the user corresponding to the first-arranged candidate resource as the target user comprises:

6. The method for determining target resources according to claim 1 or 3, wherein the obtaining of the candidate resources of each user in the user set and determining the target user based on the candidate resources comprise:

7. The target resource determination method according to claim 1 or 3, wherein the receiving of the target resource of the target object determined by other users except the target user based on the initial resource and the candidate resource of the target user comprises:

8. The target resource determination method of claim 1 or 3, the set of users comprising a first user;

correspondingly, the obtaining the candidate resources of each user in the user set based on the candidate resource range and determining the target user based on the candidate resources includes:

9. The target resource determination method of claim 8, the set of users comprising a second user;

correspondingly, the receiving the target resource of the target object, which is determined by other users except the target user based on the initial resource and the participating resource of the target user, includes:

10. The method for determining target resources according to claim 1, after receiving target resources of target objects determined by other users besides the target user based on the initial resources and the reference resources of the target user, further comprising:

judging whether the number of times of the third user for not sending the candidate resource is less than or equal to a preset number threshold value,

11. The method for determining target resources according to claim 10, after reducing the credit score of the third user on the project platform according to a preset condition, further comprising:

and under the condition that the candidate resource corresponding to the payment-for-placement resource and sent by the third user is received in a second time period, the credit score of the third user on the project platform is reduced to the score before the reduction according to the preset condition.

12. The method for determining target resources according to claim 7, wherein the accumulating the candidate resources of all other users to form the target resource of the target user comprises:

13. The method for determining target resources according to claim 1, further comprising, after sending the target resource to the target user:

14. A target resource determination device is applied to a project platform and comprises:

a target resource determining module configured to receive a target resource of a target object determined by other users except the target user based on the initial resource and the participating resource of the target user, and send the target resource to the target user.

15. A computing device, comprising:

a memory and a processor;

the memory is for storing computer executable instructions which, when executed by the processor, carry out the steps of the target resource determination method of any one of claims 1 to 13.

16. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the target resource determination method of any one of claims 1 to 13.