CN107316190A

CN107316190A - A kind of processing method and processing device of Internet resources transfer service

Info

Publication number: CN107316190A
Application number: CN201610266878.9A
Authority: CN
Inventors: 宋必果; 冯江; 童正; 应君
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2016-04-26
Filing date: 2016-04-26
Publication date: 2017-11-03

Abstract

This application discloses a kind of processing method and processing device of Internet resources transfer service.The processing method of the Internet resources transfer service includes：Receive the service request that user carries out Internet resources transfer service；The customer attribute information in service request and the Internet resources value asked are matched with the transfer rules of competence of first network resource pool respectively, it is determined whether the transfer of Internet resources can be provided a user；If, Internet resources are shifted to user by first network resource pool, and matched the threshold value of the Internet resources branch value in the resource transfers rule corresponding with other each Internet resources ponds outside first network resource pool of the Internet resources value in service request, second Internet resources pond is determined by matching result, by the second Internet resources pond to first network resource pool injection network resource.So as to solve the problem of service end overall network resource utilization is low in the prior art.

Description

A kind of processing method and processing device of Internet resources transfer service

Technical field

The application is related to field of computer technology, more particularly to a kind of processing method of Internet resources transfer service And device.

Background technology

With the development of information technology, people are in affairs various by network processes, it usually needs use net Network resource (such as cloud storage etc.).In general, Internet resources are that a kind of comparison is rare in daily life Resource.When is there is the situation of Internet resources deficiency in user during handling day-to-day work, Ke Yitong Cross to service end and send the service request of transfer Internet resources to obtain Internet resources.

The Internet resources that service end usually can be provided it is larger, at this time need these Internet resources It is divided into many parts of independent sub-network resources.During Internet resources transfer is carried out, when service end is received After the service request that Internet resources transfer is carried out to user, by the sub-network resource specified by the service request, Internet resources are shifted to the user.

But, it is to send the industry for shifting Internet resources to service end compared with multi-user when having the problem of this technology During business request, it will usually occur that most users specify certain a or a few one's share of expenses for a joint undertaking Internet resources are shifted, and refer to The less phenomenon of user that fixed others sub-network resources are shifted, so that other sub-network resources In occur in that resources idle so that the network resource utilization for causing service end overall is relatively low.

The content of the invention

The embodiment of the present application provides a kind of processing method of Internet resources transfer service, the place of trust loans business Method and device is managed, it is relatively low for solving the overall network resource utilization of service end in the prior art.

The embodiment of the present application provides a kind of processing method of Internet resources transfer service, and methods described is used to realize Internet resources transfer between user and multiple Internet resources ponds, the multiple Internet resources pond includes one the One Internet resources pond and at least one the other Internet resources ponds being connected with the first network resource pool, institute The method of stating includes：

The service request that user carries out Internet resources transfer service is received, the service request includes the user Customer attribute information and the Internet resources value asked；

Respectively by the customer attribute information in the service request and the Internet resources value asked with The corresponding rules of competence that shift of the first network resource pool are matched, it is determined whether can be carried to the user For the transfer of the Internet resources；

If so, the net of asked Internet resources value is shifted to the user by the first network resource pool Network resource, and by outside the Internet resources value asked in the service request and the first network resource pool The threshold value of other each Internet resources ponds Internet resources branch value respectively in corresponding resource transfers rule enter Row matching, the second Internet resources pond is determined by matching result, with will pass through the second Internet resources pond to The Internet resources value numerical value that the first network resource pool injection is asked with the Internet resources transfer service Equal Internet resources.

It is preferred that, the service request also includes Internet resources retention time；

Distinguish corresponding resource transfers rule in other each Internet resources ponds outside the first network resource pool Also time threshold is produced including Internet resources；Then,

Outside the Internet resources value that will be asked in the service request with the first network resource pool The threshold value that the Internet resources branch value in corresponding resource transfers rule is distinguished in other each Internet resources ponds is carried out During matching, methods described also includes：

Outside Internet resources retention time described in the service request and the first network resource pool Internet resources of other each Internet resources ponds respectively in corresponding resource transfers rule produce time threshold progress Matching.

It is preferred that, if it is not, then returning to the prompt message of the Internet resources transfer service failure to the user.

The embodiment of the present application also provides a kind of processing method of trust loans business, and methods described, which is used to realize, to be used Fund transfer between family and many phase trust plans, many phase trust plans include a phase the first trust plan And other trust plans that an at least phase is connected with the first trust plan, methods described includes：

The service request that user carries out trust loans is received, the user that the service request includes the user belongs to Property information and the amount of the loan；

Respectively by the customer attribute information and the amount of the loan in the service request and the first trust meter Draw the corresponding loan rules of competence to be matched, it is determined whether the trust loans can be provided to the user；

If so, the fund of the amount of the loan is provided by the first trust plan to the user, and will The amount of the loan described in the service request and other each phase trust plans outside the first trust plan The loan limit threshold value in corresponding fund transition rule is matched respectively, and second is determined by matching result Trust plan, will pass through the second trust plan to the first trust plan injection and the loan gold The amount identical fund of volume.

It is preferred that, the service request also includes the loan time；

Other each phase trust plans outside the first trust plan distinguish corresponding fund transition rule also Including loan time threshold；Then,

Other each phases outside by the amount of the loan described in the service request and the first trust plan When trust plan is distinguished corresponding fund transition rule and matched, methods described also includes：

To be provided a loan time and other each phases letters outside the first trust plan described in the service request Loan time threshold of the support plan respectively in corresponding fund transition rule is matched.

It is preferred that, the service request also includes Mortgage assets；Then,

Amount with the amount of the loan is injected to the first trust plan by the second trust plan During identical fund, methods described also includes：The Mortgage assets in the service request are transferred into institute State the second trust plan.

It is preferred that, methods described also includes：, will after redrawing funds of the reception user to the trust loans The Mortgage assets transfer the user, and the redrawing funds are injected into the second trust plan, with Toilet states the second trust plan and new Mortgage assets is obtained by the first trust plan.

The embodiment of the present application also provides a kind of processing unit of Internet resources transfer service, and described device is used for real Existing Internet resources transfer between user and multiple Internet resources ponds, the multiple Internet resources pond includes one First network resource pool and at least one other Internet resources pond being connected with the first network resource pool, Described device includes：Internet resources transfer service request reception unit, Internet resources transfer judging unit and net Network resource transfers unit, wherein：

The Internet resources transfer service request reception unit, receives user and carries out Internet resources transfer service Service request, the Internet resources that the service request includes the customer attribute information of the user and asked Value；

The Internet resources shift judging unit, respectively by the customer attribute information in the service request And the Internet resources value asked transfer rules of competence progress corresponding with the first network resource pool Match somebody with somebody, it is determined whether the transfer of the Internet resources can be provided to the user；

Internet resources buanch unit, when it is determined that the transfer of the Internet resources can be provided to the user, leads to The Internet resources that the first network resource pool shifts asked Internet resources value to the user are crossed, and will The Internet resources value asked in the service request and other each nets outside the first network resource pool The threshold value that network resource pool distinguishes the Internet resources branch value in corresponding resource transfers rule is matched, and is passed through Matching result determines the second Internet resources pond, will pass through the second Internet resources pond to the first network Resource pool injects the network money equal with the Internet resources value numerical value that the Internet resources transfer service is asked Source.

It is preferred that, described device also includes：Failure information Tip element, when it is determined that can not be carried to the user For the Internet resources transfer when, the prompting of Internet resources transfer service failure is returned to the user Information.

The embodiment of the present application also provides a kind of processing unit of trust loans business, and described device, which is used to realize, to be used Fund transfer between family and many phase trust plans, many phase trust plans include a phase the first trust plan And other trust plans that an at least phase is connected with the first trust plan, described device includes：Trust Loan transaction request reception unit, trust loans judging unit and fund buanch unit, wherein：

The trust loans service request receiving unit, receives the service request that user carries out trust loans, institute State customer attribute information and the amount of the loan of the service request including the user；

The trust loans judging unit, respectively by the customer attribute information and loan in the service request The amount of money loan rules of competence corresponding with the first trust plan are matched, it is determined whether can be used to described Family provides the trust loans；

The fund buanch unit, when it is determined that the trust loans can be provided to the user, by described First trust plan provides the fund of the amount of the loan to the user, and by described in the service request Amount of the loan fund corresponding with other each phase trust plan difference outside the first trust plan is shifted Loan limit threshold value in rule is matched, and the second trust plan is determined by matching result, will pass through The amount identical money with the amount of the loan is injected in the second trust plan to the first trust plan Gold.

At least one above-mentioned technical scheme that the embodiment of the present application is used can reach following beneficial effect：

Receive the service request that user carries out Internet resources transfer service；Respectively by the institute in the service request The Internet resources value transfer corresponding with the first network resource pool stated customer attribute information and asked The rules of competence are matched, it is determined whether the transfer of the Internet resources can be provided to the user；If so, The Internet resources of asked Internet resources value are shifted to the user by the first network resource pool, and Will be other each outside the Internet resources value asked in the service request and the first network resource pool The threshold value that the Internet resources branch value in corresponding resource transfers rule is distinguished in Internet resources pond is matched, and is led to Overmatching result determines the second Internet resources pond, will pass through the second Internet resources pond to first net Network resource pool injects the Internet resources of asked Internet resources value.Due in first network resource pool to user Shift after Internet resources, distinguished according to the Internet resources value asked in service request with other each Internet resources ponds The matching result of the threshold value of Internet resources branch value in corresponding transition rule, defines the second Internet resources Pond, by the second Internet resources pond to the first network resource pool injection network resource.So as to solve In the prior art, between each independent sub-network resource, when occur user only specify some or certain it is several When sub-network resource is shifted, the problem of service end overall network resource utilization is low is caused.

Brief description of the drawings

Accompanying drawing described herein is used for providing further understanding of the present application, constitutes the part of the application, The schematic description and description of the application is used to explain the application, does not constitute the improper limit to the application It is fixed.In the accompanying drawings：

Fig. 1 is a kind of specific reality of the processing method for Internet resources transfer service that the embodiment of the present application 1 is provided Existing schematic flow sheet；

In a kind of processing method for Internet resources transfer service that Fig. 2 provides for the embodiment of the present application 1, each A kind of connected mode of Internet resources pond in actual applications；

Fig. 3 implements stream for a kind of processing method of trust loans business of the offer of the embodiment of the present application 2 Journey schematic diagram；

In a kind of processing method for trust loans business that Fig. 4 provides for the embodiment of the present application 2, trust is borrowed The schematic diagram of money overall description；

Fig. 5 is a kind of specific knot of the processing unit for Internet resources transfer service that the embodiment of the present application 3 is provided Structure schematic diagram；

Fig. 6 is that a kind of concrete structure of the processing unit for trust loans business that the embodiment of the present application 4 is provided shows It is intended to.

Embodiment

It is specifically real below in conjunction with the application to make the purpose, technical scheme and advantage of the application clearer Apply example and technical scheme is clearly and completely described corresponding accompanying drawing.Obviously, it is described Embodiment is only some embodiments of the present application, rather than whole embodiments.Based on the implementation in the application Example, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made Example, belongs to the scope of the application protection.

Below in conjunction with accompanying drawing, the technical scheme that each embodiment of the application is provided is described in detail.

Embodiment 1

Embodiment 1 provides a kind of processing method of Internet resources transfer service, and this method can be used for realizing Internet resources transfer between user and multiple Internet resources ponds.The idiographic flow schematic diagram of this method such as Fig. 1 It is shown, comprise the steps：

Step S11：Set up at least two Internet resources ponds.

At least two described Internet resources ponds, an including first network resource pool and described first herein It is other outside at least one other Internet resources pond outside Internet resources pond, the first network resource pool Each Internet resources pond is connected with the first network resource pool respectively.In actual applications, each network is provided Connection between the pond of source can use Fig. 2 connected mode, in fig. 2 including first network resource pool and the Each other Internet resources pond outside one Internet resources pond, wherein, it is other outside first network resource pool Each Internet resources pond includes Internet resources pond 1, Internet resources pond 2, Internet resources pond n etc..

There are corresponding transition rule, first network resource in each Internet resources pond when shifting Internet resources The corresponding transition rule in pond can be referred to as transfer the rules of competence, the transfer rules of competence be determined for be The no other each Internet resources ponds that can be shifted to user outside Internet resources, first network resource pool are right respectively The transition rule answered can be referred to as resource transfers rule, the resource transfers rule can be used to determine whether to First network resource pool injection network resource.

Here set up at least two Internet resources ponds can be while set up each Internet resources pond, can also It is first to set up first network resource pool, when the Internet resources in first network resource pool are not enough, then sets up it Its Internet resources pond is come for the first network resource pool injection network resource.

Step S12：Receive the service request that user carries out Internet resources transfer service.

Herein, service request refers to what is submitted by user, required for carrying out this Internet resources transfer service Request.Certainly, user here can be company, group or individual.

User is when carrying out Internet resources transfer service, it usually needs is submitted to service end and carries out Internet resources turn The service request of shifting business.In actual applications, the service request generally includes to submit service request user Customer attribute information and with this Internet resources shift relevant information.Wherein, customer attribute information leads to It often can be used for judging that service end is shifted after Internet resources to the user, can the user repay shifted net Network resource, such as the information that customer attribute information can be described including the credit to the user；This Internet resources transfer relevant information generally include user obtain Internet resources after to Internet resources retention time, This Internet resources transfer service asks asked Internet resources value, shifts what this Internet resources was mortgaged Assets etc..

In actual applications, user can by mobile terminal (such as smart mobile phone, tablet personal computer) come , can also be by PC etc. to service end log on to the transfer service of service end log on resource The transfer service of resource, can also by transfer service from miscellaneous equipment to service end log on resource. That is, here not to user's log on resource transfers business when, the physical equipment used makes restriction. In addition, user can by application APP transfer service from client to service end log on resource, Can also be by Webpage to the transfer service of service end log on resource, or even can be with video calling Or the mode such as voice call can not also be made to this here to the transfer service of service end log on resource Limit.

Step S13：The service request transfer rules of competence corresponding with the first network resource pool are entered Row matching, it is determined whether the transfer of the Internet resources can be provided to the user, if it is not, then performing step S14, if so, then performing step S15 to step S17.

Step S14：The prompt message of the Internet resources transfer service failure is returned to the user.

Step S15：Internet resources are shifted to the user by the first network resource pool.

Comprehensive analysis step S13 to step S15, is provided according to the service request received, and first network The corresponding transfer rules of competence in source pond, it is determined whether the transfer of this Internet resources can be provided to the user.Example Such as, provided in the corresponding transfer rules of competence of first network resource pool, can be to the good user of credit record Shift Internet resources；If user's first credit record is good, the network of user's first transmission is received in service end After the service request of resource transfers, it may be determined that Internet resources can be shifted to user's first；User's second is personal Credit record is poor, after service end receives the service request of Internet resources transfer of user's second transmission, It can determine that Internet resources can not be shifted to user's second.

It is determined that Internet resources can not be shifted to user, it usually needs return to this Internet resources to the user and turn Move the prompt message of service fail.In actual applications, it can also include causing this net in the prompt message The information of the reason for network resource transfers service fail, user can be according to the reason for the failure indicated by the information It is adjusted, again the transfer service of log on resource.For example, in above-mentioned example, user's second can lead to Cross the prompt message of failure cause, improve the personal credit of oneself, then log on resource transfer service.

It is being determined to after user's transfer Internet resources, network is shifted to user by first network resource pool Resource.

It should be noted that the corresponding transfer rules of competence of first network resource pool in actual applications, generally The Internet resources value for combining customer attribute information and being asked is needed, to determine whether to carry to the user For the transfer of this Internet resources；It is corresponding, it should also be as including the user in the service request that user is submitted Customer attribute information and the Internet resources value asked.Therefore, by service request and first network resource The corresponding transfer rules of competence in pond are matched, it is determined whether turning for this Internet resources can be provided to the user Shifting can include：The customer attribute information in the service request and the network asked are provided respectively The source value transfer rules of competence corresponding with the first network resource pool are matched, it is determined whether can be to described User provides the transfer of the Internet resources.

Step S16：By other each Internet resources outside the service request and the first network resource pool Pond is distinguished corresponding transition rule and matched, and the second Internet resources pond is determined by matching result.

In step s 11 it has been noted that other each Internet resources ponds outside first network resource pool are right respectively The resource transfers rule answered, can be used to determine whether to the first trust plan injection network resource, this In just repeat no more.

It should be noted that in actual applications, each other Internet resources outside first network resource pool Distinguish corresponding resource transfers rule in pond, it will usually provide the threshold value of corresponding Internet resources branch value, and It can also be included in the service request that user submits, the Internet resources that the transfer service of this Internet resources is asked Value.The service request and other each Internet resources ponds outside the first network resource pool are right respectively The resource transfers rule answered when being matched, it is necessary to by the Internet resources value asked in the service request and Distinguish in corresponding resource transfers rule in other each Internet resources ponds outside the first network resource pool The threshold value of Internet resources branch value is matched, and the second Internet resources pond is determined according to the result of matching.

For example：The Internet resources value that the transfer service of this Internet resources of user's application is asked is 3000, Each other Internet resources pond outside first network resource pool include Internet resources pond A, Internet resources pond B With Internet resources pond C；Wherein, Internet resources pond A resource transfers rule regulation, the transfer of Internet resources Maximum is 1000；Internet resources pond B resource transfers rule regulation, the transfer maximum of Internet resources For 5000, minimum value is 1000；Internet resources pond C resource transfers rule regulation, turn of Internet resources It is 5000 to move minimum value.The Internet resources value asked by the transfer service of this Internet resources of the user For 3000, thus may determine that Internet resources pond B is the second Internet resources pond.

Lead in addition, corresponding transition rule is distinguished in each other Internet resources pond outside first network resource pool Often corresponding Internet resources can be set to produce time threshold, to retain the net after obtaining Internet resources to user The time of network resource is defined；In actual applications, Internet resources produce time threshold generally can basis It is actually needed to set, for example, can be set according to the credit scoring of different user；It is corresponding, in user Also can be comprising this Internet resources retention time (for example, on May 1st, 2016 is extremely in the business information of submission September 30 in 2016 etc.).Therefore, outside by the business information and the first network resource pool Distinguish when corresponding transition rule is matched, it is necessary to by the business information in other each Internet resources ponds Other each Internet resources pond difference outside the Internet resources retention time, with the first network resource pool Corresponding Internet resources produce time threshold and matched, and the second trust plan is determined according to the result of matching.

For example, this Internet resources retention time of user is June 30 1 day to 2016 April in 2016 Number, each other Internet resources pond outside first network resource pool include Internet resources Chi Jia and Internet resources Chi Yi；Wherein, Internet resources Chi Jia Internet resources produce time threshold on May 31st, 2016, net It is August 31 in 2016 that the Internet resources of network resource pool second, which produce time threshold, due to this net of the user Network resource retention time is produced outside time threshold in Internet resources Chi Jia Internet resources, and in Internet resources Chi Yi Internet resources are produced in time threshold, so Internet resources second is defined as into the second Internet resources pond.

Certainly, in actual applications, each other Internet resources pond outside first network resource pool are right respectively The transition rule answered, it will usually while the threshold value and Internet resources to Internet resources branch value produce time threshold It is defined；This Internet resources transfer service institute can be included in the service request that corresponding user submits simultaneously The Internet resources value and Internet resources retention time of request.Therefore, it will asked in the service request Internet resources value money corresponding with other each Internet resources pond difference outside the first network resource pool When the threshold value of Internet resources branch value in the transition rule of source is matched, in addition it is also necessary to by the service request The Internet resources retention time is distinguished with other each Internet resources ponds outside the first network resource pool Internet resources in corresponding resource transfers rule produce time threshold and matched, so that it is determined that the second network Resource pool.

In addition, the corresponding resource transfers rule in each other Internet resources pond outside first network resource pool is also Other contents (for example, occupation mode of Internet resources etc.) can be defined, corresponding user carries Also corresponding information can be included in the service request of friendship, by by these information included in business information and its The corresponding resource transfers rule in its each Internet resources pond is matched, it may be determined that go out the second Internet resources pond.

Step S17：By the second Internet resources pond to the first network resource pool injection network resource.

, can be by the second Internet resources pond to first network resource after the second Internet resources pond is determined Pond injection network resource.It is lasting to turn to user to allow service end by the first network resource pool Move Internet resources.

It should be noted that in order to ensure the Internet resources in first network resource pool are sufficient, in first network Resource pool is shifted after Internet resources to the user, and the second Internet resources pond would generally be to the first network resource Pond is injected, the Internet resources equal with the Internet resources value that the first network resource pool is produced to the user.

For example, first network resource pool displaced the Internet resources that value is 500 to certain user, determining Behind second Internet resources pond, during by the second Internet resources pond to first network resource pool injection network resource, The Internet resources that value is 500 can be injected.

This method provided using embodiment 1, due to being provided in first network resource pool to user's transfer network Behind source, the service request submitted according to user and other each Internet resources ponds point outside first network resource pool The matching result of not corresponding resource transfers rule, defines the second Internet resources pond, passes through second net Network resource pool is to the first network resource pool injection network resource.So as to solve in the prior art, each Between independent sub-network resource, some or a few sub- Internet resources are only specified to be turned when there is user During shifting, the problem of service end overall network resource utilization is low is caused.

It should be noted that the executive agent that embodiment 1 provides each step of method may each be same and set It is standby, or, each step of this method can also be used as executive agent by distinct device.Such as, step S11 Executive agent with step S12 can be equipment 1；Again such as, step S11 executive agent can be to set Standby 1, the executive agent of step S12 sums can be equipment 2；Etc..

Embodiment 2

In order to which the processing method of Internet resources transfer service more clearly to being provided in embodiment 1 is said Bright, embodiment 2 provides embodiment of this method under the concrete application scene of trust loans.Embodiment 2 In offer a kind of trust loans business processing method as shown in figure 3, this method can be used for realize use Fund transfer between family and many phase trust plans, comprises the steps：

Step S21：Set up the trust plan of at least two phases.

At least two phases trust plan mentioned here, includes a phase the first trust plan in each phase trust loans With an at least phase other trust plans outside the first trust plan, outside the first trust plan Other each phase trust plans are connected with the first trust plan respectively.The first trust plan can be direct For providing a user trust loans, other each phase trust plans outside the first trust plan can be with By the connection with the first trust plan, fund is injected to the first trust plan.

Each phase trust plan has corresponding loan rule, and the corresponding loan rule of the first trust plan can claim For the loan rules of competence, the loan rules of competence can be used to determine whether that trust loans can be provided a user, Corresponding loan rule is distinguished in other each phase trust plans outside first trust plan can be referred to as fund Transition rule, the fund transition rule can be used to determine whether to inject fund to the first trust plan.

Here, set up the trust plan of at least two phases and can be at the same set up each phase trust plan or First set up the first trust plan, when the first trust plan insufficient funds, then set up other trust plans come for The first trust plan is provided with funds., generally can be by when setting up many phase trust plans in practical application The phase of trust plan one set up provides a user trust loans as the first trust plan, in the trust plan During the insufficient funds of one phase, then set up the trust plan second phase, pass through trust plan second phase to the phase of trust plan one Provide with funds；Certainly while the trust plan second phase is set up, trust plan three can also be set up as needed Phase, trust plan fourth phase etc., the trust plan newly set up by these inject fund to the phase of trust plan one.

It should be noted that in actual applications, trust plan is generally formulated by trust company, while really Surely bank is supervised, and after Banking Supervision Commission's declaration, is disclosed from the trust company to society's distribution fund raised, and Fiducia is signed with investor, the money of investor is directly remitted supervision bank, allocated a fund for its specified purpose by bank guarantee. Usual each issue of trust plan has corresponding clearance settlement time and maximum capital scale, when arrival clearance settlement Need to settle accounts income and capital after time.For example, the clearance settlement time of the phase of trust plan one is On December 31st, 2016, maximum capital scale is 100,000,000, and the maximum capital scale is the threshold for the fund raised Value.

Step S22：Receive the service request that user carries out trust loans.

Herein, service request refers to what is submitted by user, carries out the request required for this trust loans. Certainly, user here can be company, group or the individual for carrying out trust loans, after the application In continuous, for convenience of description, user can be interpreted as personal (such as Zhang San, Li Si).

As a rule, the service request can include customer attribute information and the related letter of this trust loans Breath.Wherein, the customer attribute information can be used for describing the loan repayment capacity after user borrows money, and generally include User's monthly income, user credit record etc.；The relevant information of this trust loans can include the amount of the loan, Loan time, loan fund occupation mode, Mortgage assets etc..

It should be noted that in actual applications, the information included in the service request is generally believed with first Ask the loan rules of competence of plan related.For example, being provided in the loan rules of competence of the first trust plan personal The maximum dollar amount for user's single trust loans that good, the personal monthly income of credit record is more than 5000 is 10000； The personal credit information comprising user, personal monthly income are then at least needed in the information included in service request The information such as the amount of money of information and this trust loans.

Step S23：The service request loan rules of competence corresponding with the first trust plan are carried out Matching, it is determined whether the trust loans can be provided to the user, if it is not, step S24 is then performed, if It is then to perform step S25 to step S27.

Step S24：The prompt message of the trust loans failure is returned to the user.

Step S25：Required for the trust loans being provided by the first trust plan to the user Fund.

Comprehensive analysis step S23 to step S25, according to the service request received, and the first trust meter The corresponding loan rules of competence are drawn, are able to determine whether to provide this trust loans to the user.Actually should In, user, generally according to the corresponding loan rules of competence of the first trust plan, needs when carrying out trust loans Submit the customer attribute information of the user and the amount of the loan of this trust loans.Therefore, by described in The service request loan rules of competence corresponding with the first trust plan are matched, it is determined whether can be to institute State when user provides the trust loans, it is necessary to respectively by the customer attribute information in the service request and The amount of the loan loan rules of competence corresponding with the first trust plan are matched, it is determined whether can be to institute State user and the trust loans are provided.

For example, regulation personal credit record is good, personal in the corresponding loan rules of competence of the first trust plan Monthly income is more than 8000 user, and the maximum dollar amount of trust loans is 100,000；User's first personal credit is recorded Well, personal monthly income is 8700, and the trust loans amount of money of this application is 30,000, then can be determined to This trust loans is provided to user's first；Good, the personal monthly income of user's second personal credit record is 8500, The trust loans amount of money of this application is 150,000, then can determine that this subtrust loan can not be provided to user's second Money.

After it is determined that this trust loans can not be provided a user, it usually needs return to this subtrust to the user The prompt message of loan failure.In actual applications, it can also include causing this subtrust in the prompt message The information of the reason for loan failure, user can be adjusted according to the reason for causing this trust loans to fail, Again trust loans are applied for.For example, in above-mentioned example, user's second is too high due to the amount of money for applying for trust loans Cause after trust loans failure, according to the information of failure cause, the amount of money of trust loans can be set to 90,000, Again trust loans are applied for.

After being determined to provide a user this trust loans, provided by the first trust plan to the user This trust loans fund.In actual applications, generally being referred to as the first trust plan image Make loans pond, trust loans fund is provided a user by the pond of making loans.

Step S26：By other each phase trust plans outside the service request and the first trust plan Corresponding fund transition rule is matched respectively, and the second trust plan is determined by matching result.

Mention in the step s 21, corresponding money is distinguished in other each phase trust plans outside the first trust plan Golden transition rule can be used to determine whether to inject fund to the first trust plan, just repeat no more here. In practical application, when the service request that user submits and a certain phase trust plan pair outside the first trust plan When the fund transition rule answered can match, the phase trust plan is defined as the second trust plan.

It should be noted that the corresponding fund transfer rule of other each phase trust plans outside the first trust plan Corresponding loan limit would generally be then provided, and the service request that user submits can also be borrowed comprising this subtrust The amount of the loan of money.The corresponding fund of other trust plans outside by service request and the first trust plan , it is necessary to by the amount of the loan of the trust loans of this in service request and other each phases when transition rule is matched Defined loan limit threshold value is matched in the corresponding fund transition rule of trust plan, according to the knot of matching Fruit determines the second trust plan.

For example：The amount of the loan of this trust loans of user is 3000, other each outside the first trust plan Phase trust plan includes trust plan second phase, the phase of trust plan three and the trust plan fourth phase；Wherein, trust meter The fund transition rule for drawing the second phase provides to offer a loan to the user that the amount of the loan is less than 1000, trust plan The fund transition rule purpose loan amount of money of three phases is more than 1000 users less than 5000 and offered a loan, trust The fund transition rule of the plan fourth phase provides to offer a loan to the user that the amount of the loan is more than 5000；Due to this The amount of the loan of this trust loans of user is 3000, thus may determine that the phase of trust plan three is the second letter Support plan.

Lead in addition, corresponding fund transition rule is distinguished in other each phase trust plans outside the first trust plan Corresponding loan time threshold often can be also set, be defined to the loan time to trust loans；In reality In the application of border, loan time threshold generally can be the clearance settlement time of trust plan, can also be according to not Set with user credit etc.；It is corresponding, this letter can be also included in the loan element information that user submits Hold in the palm the loan time (for example, 1 day to 2015 March in 2015 of August 31 etc.) of loan.Therefore, The corresponding fund transition rule of other trust plans outside by service request and the first trust plan is carried out During matching, in addition it is also necessary to by the loan time of this trust loans in service request and other each phase trust plans The loan time threshold of corresponding fund transition rule defined is matched, and is determined according to the result of matching Two trust plans.

For example, the loan time of this trust loans of user is March 31 1 day to 2016 January in 2016 Number, other each phase trust plans outside the first trust plan include trust plan second phase and the phase of trust plan three； Wherein, the clearance settlement time of trust plan second phase is on January 31st, 2016, and the phase of trust plan three arrives Clearing time phase is on May 31st, 2016, because the loan time of the user this trust loans is in trust Outside the loan time threshold (clearance settlement time) for planning the second phase, and in the loan of the phase of trust plan three Between in threshold value (clearance settlement time), so the phase of trust plan three is defined as into the second trust plan.

Certainly, in actual applications, the corresponding fund of other each phase trust plans outside the first trust plan Transition rule, it will usually concurrently set loan time threshold and loan limit threshold value, what corresponding user submitted Simultaneously can the amount of the loan comprising this trust loans and loan time in service request；By the way that this is believed Hold in the palm loan the amount of the loan and loan the time respectively with each phase trust loans loan rule in loan value Degree threshold value and loan time threshold are matched, and determine the second trust plan.

In addition, the corresponding fund transition rule of other each phase trust plans outside the first trust plan, may be used also To be defined to other contents (for example, the occupation mode of loan fund, whether revolving loan etc.), Also corresponding information can be included in corresponding service request, by the way that these information included in service request are divided Fund transition rule not corresponding with other each phase trust plans is matched, it may be determined that go out the second trust meter Draw.

Step S27：Fund is injected to the first trust plan by the second trust plan.

Injected and the amount of the loan to the first trust plan with will pass through the second trust plan Amount identical fund.

Corresponding with other each phase trust plan difference outside the first trust plan according to service request is borrowed The matching result of fund transition rule, is determined after the second trust plan, by the second trust plan to Fund is injected in one trust plan.In actual applications, when the user for applying for trust loans is more, due to each The amount of the loan of the trust loans of individual user's application, the differences such as time, the occupation mode of loan fund of providing a loan, After each user completes trust loans, service end would generally according to the service request of different user respectively with respectively The matching result of corresponding fund transition rule is distinguished in phase trust plan, determines each self-corresponding second trust Plan, fund is injected to the first trust plan.Generally also the second trust plan can be visually referred to as water filling Pond, fund is injected by the water-filled pool to pond of making loans.

It should be noted that generally to ensure that the abundance of capital of the first trust in the works, in the first trust meter Draw after the fund for providing a user certain amount required for trust loans, the second trust plan can to this first The fund equal with the fund amount is injected in trust plan, and so allow for user first can be believed by this Support plan is continued for trust loans.

For example, the first trust plan provides 5000 fund to user A certain trust loans, it will use Service request (amount of the loan for including this trust loans) that A this trust loans in family are submitted and other Each phase trust plan is distinguished after corresponding fund transition rule (including loan limit) matching, determines trust meter It is the second trust plan to draw for three phases, can during by the second trust plan to the first trust plan injection fund To inject 5000 fund so that the abundance of capital of the first trust in the works.

During actual trust loans, the service request that user is submitted generally also needs to include this The Mortgage assets of trust loans, after user obtains the loan fund of this trust loans, the first trust plan Also the Mortgage assets of this trust loans are obtained accordingly, and in the second trust plan to the first trust meter Draw injection fund when, it is necessary to which the Mortgage assets that the first trust plan is obtained transfer the second trust plan.

After redrawing funds of the reception user to the trust loans, the Mortgage assets are transferred into the use Family, and the redrawing funds are injected into the second trust plan, so that the second trust plan passes through institute State the first trust plan and obtain new Mortgage assets.

After service end receives user to the redrawing funds of the trust loans, the redrawing funds can be injected To the trust plan for the Mortgage assets for obtaining the user this trust loans, the trust plan can be by the mortgage Assets transfer the user.At this time, the trust has the idle of fund in the works, can be by again Fund is injected to the first trust plan, to obtain new Mortgage assets.It should be noted that Mortgage assets can Be user sign trust loans contract, can also be company's equity, can also be the real estates such as house.

In addition, generally also occurring in actual applications, certain other phase trust meter outside the first trust plan Draw (referred to herein as the 3rd trust plan) and the phenomenon lacked of capital occur, can also at this time pass through the first letter The Mortgage assets of the trust of planned purchases the 3rd in the works are held in the palm, so as to inject fund to the 3rd trust plan； It is, of course, also possible to buy this by other trust plans outside the first trust plan and the 3rd trust plan The red Mortgage assets of 3rd trust plan, so as to inject fund to the 3rd trust plan.

It may there is also in actual applications, the first trust plan is carried out after trust loans to user, the use The loan time of this trust loans in the service request that family is submitted, it is impossible to its outside the first trust plan Loan time threshold of its each phase trust plan respectively in corresponding fund transition rule matches, and at this time should First trust plan can hold the Mortgage assets when user carries out trust loans.When the first trust plan expires During clearing, the Mortgage assets can be transferred to the most long trust plan of loan time threshold.

For example, the loan time of user B application trust loans is July 1 day to 2017 January in 2016 No. 31, the first trust plan (phase of trust plan one, clearance settlement time be April 30 in 2016) to this User provides this trust loans, and the clearance settlement time of trust plan second phase is August 31 in 2016, The clearance settlement time of the phase of trust plan three is on May 31st, 2017, therefore when the first trust is planned When April 30 in 2016 carries out clearance settlement, the Mortgage assets of the trust loans can be transferred trust meter Drew for three phases, or the longer trust plan of newly established loan time threshold.

This method provided using embodiment 2, due to providing a user trust loans system in the first trust plan Afterwards, matched by the way that service request and other each phase trust plans are distinguished into corresponding fund transition rule, The second trust plan is defined, and fund is injected to the first trust plan by the second trust plan.From And solve in the prior art, only specify a certain phase or a few phase trust plans to carry out trust loans when there is user When, cause the problem of overall fund utilization rate of service end is low.

It should be noted that the executive agent that embodiment 2 provides each step of method may each be same and set It is standby, or, each step of this method can also be used as executive agent by distinct device.Such as, step S21 Executive agent with step S22 can be equipment 1；Again such as, step S21 executive agent can be to set Standby 1, the executive agent of step S22 sums can be equipment 2；Etc..

Method in order to clearly illustrate the trust loans that embodiment 2 is provided, below can be to the implementation Each step of example makees overall description, reference picture 4.

Fourth phase trust plan is first set up, wherein being carried the phase of trust plan one as the first trust plan to user For trust loans, trust plan second phase, the phase of trust plan three and the trust plan fourth phase respectively with trust plan one Phase connects, and can be connected by these to the phase of trust plan one and inject fund.

After the loan requests that service end receives user, by by the user property of the user in the loan requests Information, the amount of the loan of this trust loans and loan the time, and the phase of trust plan one credit tranche position limit gauge Then matched, it is determined whether this trust loans can be provided to the user；

When it is determined that this trust loans can not be provided to the user, this trust loans is returned to the user The prompt message of failure；

When being determined to provide this trust loans to the user, carried by the phase of trust plan one to the user For the loan fund of this trust loans；

By the amount of the loan of the trust loans of this in loan requests and loan time, respectively with trust plan two Loan limit threshold value and loan in the interim fund transition rule of phase, the phase of trust plan three, trust plan four Time threshold is matched, and the second trust plan is determined according to the result of matching；

Loan fund number with this trust loans is injected to the phase of trust plan one by the second trust plan The equal fund of volume, and the phase of trust plan one by the Mortgage assets of this subtrust plan transfer this second letter Support plan.

In addition, it is necessary to, it is emphasized that in actual applications, the phase of trust plan one (the first trust plan), Can all there be the corresponding clearance settlement time trust plan second phase, the phase of trust plan three and the trust plan fourth phase, After a certain phase trust plan expires, it is only necessary to set up new trust plan to replace the overdue trust plan , the regular basic phase of loan rule that can be with the overdue trust plan of loan of the new trust plan Together.For example, after the phase of trust plan one (the first trust plan) expires, service end only needs to set up one newly Trust plan (referred to herein as the phase of trust plan one '), be using the phase of trust plan one ' as the first trust plan Can, the loan regular (namely new loan rules of competence) of the phase of trust plan one ' can be with trust plan one The loan rule (namely loan rules of competence) of phase is essentially identical, can't so influence service end to user Carry out trust loans.

Embodiment 3

Based on inventive concept same as Example 1, the embodiment of the present application 3 turns there is provided a kind of Internet resources The processing unit of shifting business, described device is used to realize the Internet resources between user and multiple Internet resources ponds Transfer, the multiple Internet resources pond include a first network resource pool and at least one with described first Other Internet resources ponds of Internet resources pond connection.As shown in figure 5, described device 50 includes：Network is provided Source transfer service request reception unit 501, Internet resources transfer judging unit 502 and Internet resources transfer are single Member 503, wherein：

The Internet resources transfer service request reception unit 501, receives user and carries out Internet resources transfer industry The service request of business, the network that the service request includes the customer attribute information of the user and asked Resource value；

The Internet resources shift judging unit 502, respectively by the user property in the service request Information and the Internet resources value the asked transfer rules of competence corresponding with the first network resource pool are entered Row matching, it is determined whether the transfer of the Internet resources can be provided to the user；

Internet resources buanch unit 503, when it is determined that the transfer of the Internet resources can be provided to the user, The Internet resources of asked Internet resources value are shifted to the user by the first network resource pool, and Will be other each outside the Internet resources value asked in the service request and the first network resource pool The threshold value that the Internet resources branch value in corresponding resource transfers rule is distinguished in Internet resources pond is matched, and is led to Overmatching result determines the second Internet resources pond, will pass through the second Internet resources pond to first net Network resource pool injects the Internet resources of asked Internet resources value.

Device 50 provided using the embodiment of the present application 3, because the device 50 is based on and the phase of embodiment 1 Same inventive concept, therefore, it is possible to obtain the technique effect of embodiment 1.In addition, in actual applications, should Device 50 can also obtain other technique effects by combining hardware device, and these technique effects are also at this Within the protection domain of application.

In actual applications, described device 50 also includes：Failure information Tip element 504, when it is determined that can not When providing the transfer of the Internet resources to the user, return to the Internet resources to the user and shift industry The prompt message of business failure.By returning to the prompt message of service fail to user, the body of user can be increased Test, and allow user according to failure the reason for, adjustment business information again log on resource turn Shifting business.

Embodiment 4

Based on inventive concept same as Example 2, the embodiment of the present application 4 provides a kind of trust loans industry The processing unit of business, the fund transfer that described device is used to realize between user and many phase trust plans is described Many phase trust plans include a phase the first trust plan and an at least phase is connected with the first trust plan Other trust plans.As shown in fig. 6, described device 60 includes：Trust loans service request receives single Member 601, trust loans judging unit 602 and fund buanch unit 603, wherein：

The trust loans service request receiving unit 601, receives the service request that user carries out trust loans, The service request includes the customer attribute information and the amount of the loan of the user；

The trust loans judging unit 602, respectively by the customer attribute information in the service request and The amount of the loan loan rules of competence corresponding with the first trust plan are matched, it is determined whether can be to institute State user and the trust loans are provided；

The fund buanch unit 603, when it is determined that the trust loans can be provided to the user, passes through The first trust plan provides the fund of the amount of the loan to the user, and by the service request The amount of the loan and the corresponding fund of other each phase trust plan difference outside the first trust plan Loan limit threshold value in transition rule is matched, and the second trust plan is determined by matching result, so as to Inject identical with the amount of the amount of the loan to the first trust plan by the second trust plan Fund

Device 60 provided using the embodiment of the present application 4, because the device 60 is used and the phase of embodiment 2 Same inventive concept, therefore, it is possible to obtain the invention effect of embodiment 2.In addition, in actual applications, should Device 60 can also obtain other technique effect by combining specific hardware unit.For example, can be by Service end is arranged as the pattern of distributed type assemblies by multiple servers, received by the distributed type assemblies and The business that user submits is handled, can be with speed up processing.

It should be understood by those skilled in the art that, embodiments herein can be provided as method, system or meter Calculation machine program product.Therefore, the application can be using complete hardware embodiment, complete software embodiment or knot The form of embodiment in terms of conjunction software and hardware.Wherein wrapped one or more moreover, the application can be used Containing computer usable program code computer-usable storage medium (include but is not limited to magnetic disk storage, CD-ROM, optical memory etc.) on the form of computer program product implemented.

The application is produced with reference to according to the method, equipment (system) and computer program of the embodiment of the present application The flow chart and/or block diagram of product is described.It should be understood that can by computer program instructions implementation process figure and / or each flow and/or square frame in block diagram and the flow in flow chart and/or block diagram and/ Or the combination of square frame.These computer program instructions can be provided to all-purpose computer, special-purpose computer, insertion Formula processor or the processor of other programmable data processing devices are to produce a machine so that pass through and calculate The instruction of the computing device of machine or other programmable data processing devices is produced for realizing in flow chart one The device for the function of being specified in individual flow or multiple flows and/or one square frame of block diagram or multiple square frames.

These computer program instructions, which may be alternatively stored in, can guide computer or the processing of other programmable datas to set In the standby computer-readable memory worked in a specific way so that be stored in the computer-readable memory Instruction produce include the manufacture of command device, the command device realization in one flow or multiple of flow chart The function of being specified in one square frame of flow and/or block diagram or multiple square frames.

These computer program instructions can be also loaded into computer or other programmable data processing devices, made Obtain and perform series of operation steps on computer or other programmable devices to produce computer implemented place Reason, so that the instruction performed on computer or other programmable devices is provided for realizing in flow chart one The step of function of being specified in flow or multiple flows and/or one square frame of block diagram or multiple square frames.

In a typical configuration, computing device includes one or more processors (CPU), input/defeated Outgoing interface, network interface and internal memory.

Internal memory potentially includes the volatile memory in computer-readable medium, random access memory And/or the form, such as read-only storage (ROM) or flash memory (flash RAM) such as Nonvolatile memory (RAM). Internal memory is the example of computer-readable medium.

Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by appointing What method or technique realizes that information is stored.Information can be computer-readable instruction, data structure, program Module or other data.The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), dynamic random access memory (DRAM), its Random access memory (RAM), read-only storage (ROM), the electrically erasable of his type are read-only Memory (EEPROM), fast flash memory bank or other memory techniques, read-only optical disc read-only storage (CD-ROM), digital versatile disc (DVD) or other optical storages, magnetic cassette tape, tape magnetic Disk storage or other magnetic storage apparatus or any other non-transmission medium, can be calculated available for storage The information that equipment is accessed.Defined according to herein, computer-readable medium does not include temporary computer-readable matchmaker The data-signal and carrier wave of body (transitory media), such as modulation.

It should also be noted that, term " comprising ", "comprising" or its any other variant be intended to it is non- It is exclusive to include, so that process, method, commodity or equipment including a series of key elements are not only wrapped Include those key elements, but also other key elements including being not expressly set out, or also include for this process, Method, commodity or the intrinsic key element of equipment.In the absence of more restrictions, by sentence " including One ... " limit key element, it is not excluded that in the process including key element, method, commodity or equipment Also there is other identical element.

It will be understood by those skilled in the art that embodiments herein can be provided as method, system or computer journey Sequence product.Therefore, the application can using complete hardware embodiment, complete software embodiment or combine software and The form of the embodiment of hardware aspect.Moreover, the application can be used wherein includes calculating one or more Machine usable program code computer-usable storage medium (include but is not limited to magnetic disk storage, CD-ROM, Optical memory etc.) on the form of computer program product implemented.

Embodiments herein is these are only, the application is not limited to.For people in the art For member, the application can have various modifications and variations.It is all to be made within spirit herein and principle Any modification, equivalent substitution and improvements etc., should be included within the scope of claims hereof.

Claims

1. a kind of processing method of Internet resources transfer service, it is characterised in that methods described is used to realize Internet resources transfer between user and multiple Internet resources ponds, the multiple Internet resources pond includes one the One Internet resources pond and at least one the other Internet resources ponds being connected with the first network resource pool, institute The method of stating includes：

2. the method as described in claim 1, it is characterised in that

The service request also includes Internet resources retention time；

3. the method as described in claim 1, it is characterised in that if it is not, then returning to institute to the user State the prompt message of Internet resources transfer service failure.

4. a kind of processing method of trust loans business, it is characterised in that methods described is used to realize user Between many phase trust plans fund transfer, many phase trust plans include a phase the first trust plan with And other trust plans that an at least phase is connected with the first trust plan, methods described includes：

5. method as claimed in claim 4, it is characterised in that

The service request also includes the loan time；

Other each phases outside by the amount of the loan described in the service request and the first trust plan When the loan limit threshold value that trust plan distinguishes in corresponding fund transition rule is matched, methods described is also Including：

6. method as claimed in claim 4, it is characterised in that the service request also includes mortgage money Production；Then,

7. method as claimed in claim 6, it is characterised in that methods described also includes：Used when receiving After family is to the redrawing funds of the trust loans, the Mortgage assets are transferred into the user, and will be described Redrawing funds inject the second trust plan, so that the second trust plan passes through the first trust meter Draw and obtain new Mortgage assets.

8. a kind of processing unit of Internet resources transfer service, it is characterised in that described device is used to realize Internet resources transfer between user and multiple Internet resources ponds, the multiple Internet resources pond includes one the One Internet resources pond and at least one the other Internet resources ponds being connected with the first network resource pool, institute Stating device includes：Internet resources transfer service request reception unit, Internet resources transfer judging unit and network Resource transfers unit, wherein：

9. device as claimed in claim 8, it is characterised in that described device also includes：Failure information Tip element, when it is determined that the transfer of the Internet resources can not be provided to the user, is returned to the user Return the prompt message of the Internet resources transfer service failure.

10. a kind of processing unit of trust loans business, it is characterised in that described device is used to realize user Between many phase trust plans fund transfer, many phase trust plans include a phase the first trust plan with And other trust plans that an at least phase is connected with the first trust plan, described device includes：Trust is borrowed Money service request receiving unit, trust loans judging unit and fund buanch unit, wherein：