CN110533522A - Resource allocation checking method, electronic device and computer readable storage medium - Google Patents
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- 238000013468 resource allocation Methods 0.000 title claims abstract description 131
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Abstract
The invention discloses a kind of resource allocation checking method, electronic device and computer readable storage mediums, wherein this method comprises: obtaining the resource acquisition request that user terminal is sent；Resource allocation system is requested in response to resource acquisition, obtains the essential information of user, essential information includes the identity information of user, age information, bank card information；Resource allocation system is requested in response to resource acquisition, and by interface pre-set in user terminal, cell phone address book information is transferred from user terminal；Resource allocation system carries out the audit of resource allocation credit to user according to essential information and cell phone address book information；After the audit of resource allocation system resource allocation credit passes through, sends resource acquisition request and pass through information to user terminal.Through the above way when carrying out identity and signal auditing to user, it is based not only on the essential information also cell phone address book information based on user of user, thereby may be ensured that the accuracy of user information, to promote the validity for audit of borrowing money.
Description
Technical field
The present invention relates to technical field of data processing, and in particular to a kind of resource allocation checking method, electronic device and meter
Calculation machine readable storage medium storing program for executing.
Background technique
With the continuous development of internet finance, the internet that begins through of more and more people is borrowed or lent money.However, due to
The mode of the mode either online booking of phone is usually used in internet debt-credit, rather than true man are one to one to borrower
Identity verified, considerably increase a possibility that borrower illegally borrows money in this way.For example, borrower can carry out identity puppet
Dress, then borrows money, certainly will will lead to the appearance of malice loaning bill situation in this way.
However, to promote the validity borrowed money, not yet being proposed at present effective for the accuracy for how guaranteeing user information
Solution.
Summary of the invention
The purpose of the present invention is to provide a kind of resource allocation checking method, electronic device and computer-readable storage mediums
Matter, and then solve the not high technical problem of existing user information accuracy.
The present invention is to solve above-mentioned technical problem by following technical proposals:
According to an aspect of the invention, there is provided resource allocation checking method, includes the following steps:
Step 101: obtaining the resource acquisition request that user terminal is sent；
Step 102: resource allocation system is requested in response to the resource acquisition, obtains the essential information of the user, institute
State the identity information that essential information includes user, age information, bank card information；
Step 103: resource allocation system is requested in response to the resource acquisition, by pre-set in the user terminal
Interface transfers cell phone address book information from the user terminal；
Step 104: resource allocation system according to the essential information and the cell phone address book information to the user into
The audit of row resource allocation credit；
Step 105: after the audit of resource allocation system resource allocation credit passes through, sending resource acquisition request and pass through letter
It ceases to the user terminal.
In one embodiment, resource allocation system is according to the essential information and the cell phone address book information to institute
It states user and carries out the audit of resource allocation credit, comprising:
Resource allocation system extracts key factor from the essential information and the cell phone address book information；
Resource allocation system determines the user's by audit model trained in advance according to the key factor of extraction
Whether resource allocation credit reaches preset threshold；
In the case where determination reaches the preset threshold, resource allocation system determines that the audit of resource allocation credit passes through.
In one embodiment, resource allocation system is according to the essential information and the cell phone address book information to institute
It states user and carries out the audit of resource allocation credit, comprising:
Resource allocation system extracts key factor from the essential information and the cell phone address book information；
Resource allocation system determines the weighted value of each factor in the key factor；
Resource allocation system carries out the accumulation calculating based on weight according to the weighted value of each factor, obtains accumulated value；
Determine whether the accumulated value reaches preset value, in the case where determination reaches preset value, resource allocation system is true
Determine the audit of resource allocation credit to pass through.
In one embodiment, the key factor includes at least one of: contact person's ownership place, contact name
Claim.
In one embodiment, in resource allocation system according to the essential information and the cell phone address book information pair
The user carries out after the audit of resource allocation credit, further includes:
In the case where determining resource allocation credit the audit fails, resource allocation system returns to audit to the user and loses
Lose message, wherein carry the reason of the audit fails data in the audit failure information.
On the other hand, a kind of electronic device, including memory and processor are provided, the memory can quilt for storing
The resource allocation system that the processor executes, the resource allocation system include:
First obtains module, for obtaining the resource acquisition request of user terminal transmission；
Second obtains module, for requesting in response to the resource acquisition, obtains the essential information of the user, the base
This information includes the identity information of user, age information, bank card information；
Third obtains module, for requesting in response to the resource acquisition, is connect by pre-set in the user terminal
Mouthful, cell phone address book information is transferred from the user terminal；
Auditing module, for carrying out resource point to the user according to the essential information and the cell phone address book information
It is audited with credit；
Determining module passes through information to institute for after the audit of resource allocation credit passes through, sending resource acquisition request
State user terminal.
In one embodiment, the auditing module includes:
First extracting unit, for extracting key factor from the essential information and the cell phone address book information；
First determination unit determines the use by audit model trained in advance for the key factor according to extraction
Whether the resource allocation credit at family reaches preset threshold；
Second determination unit, for determining that resource allocation credit is audited in the case where determination reaches the preset threshold
Pass through.
In one embodiment, the auditing module includes:
Second extracting unit, for extracting key factor from the essential information and the cell phone address book information；
Third determination unit, for determining the weighted value of each factor in the key factor；
Computing unit obtains accumulated value for carrying out the accumulation calculating based on weight according to the weighted value of each factor；
4th determination unit is determining the case where reaching preset value for determining whether the accumulated value reaches preset value
Under, determine that the audit of resource allocation credit passes through.
Another aspect provides a kind of computer equipment, comprising: memory, processor and storage are on a memory and can
The computer program run on a processor, the processor realize following steps when executing the computer program:
Step 101: obtaining the resource acquisition request that user terminal is sent；
Step 102: resource allocation system is requested in response to the resource acquisition, obtains the essential information of the user, institute
State the identity information that essential information includes user, age information, bank card information；
Step 103: resource allocation system is requested in response to the resource acquisition, by pre-set in the user terminal
Interface transfers cell phone address book information from the user terminal；
Step 104: resource allocation system according to the essential information and the cell phone address book information to the user into
The audit of row resource allocation credit；
Step 105: after the audit of resource allocation system resource allocation credit passes through, sending resource acquisition request and pass through letter
It ceases to the user terminal.
Another aspect provides a kind of non-volatile computer readable storage medium storing program for executing, is stored thereon with computer program, institute
It states when computer program is executed by processor and realizes following steps:
Step 101: obtaining the resource acquisition request that user terminal is sent；
Step 102: resource allocation system is requested in response to the resource acquisition, obtains the essential information of the user, institute
State the identity information that essential information includes user, age information, bank card information；
Step 103: resource allocation system is requested in response to the resource acquisition, by pre-set in the user terminal
Interface transfers cell phone address book information from the user terminal；
Step 104: resource allocation system according to the essential information and the cell phone address book information to the user into
The audit of row resource allocation credit；
Step 105: after the audit of resource allocation system resource allocation credit passes through, sending resource acquisition request and pass through letter
It ceases to the user terminal.
The positive effect of the present invention is that: after user terminal initiates resource acquisition request, obtain the base of the user
This information and mobile communication information, the essential information and cell phone address book information for being then based on user believe the resource allocation of user
With being audited, only after audit passes through, just offer loans to the user.That is, carrying out identity and signal auditing to user
When, it is based not only on the essential information also cell phone address book information based on user of user, thereby may be ensured that user information
Accuracy, with promoted borrow money audit validity.
Detailed description of the invention
Fig. 1 is the method flow diagram of resource allocation methods according to an embodiment of the present invention；
Fig. 2 is the structural block diagram of resource allocation system according to an embodiment of the present invention；
Fig. 3 is the structural block diagram of auditing module according to an embodiment of the present invention；
Fig. 4 is another structural block diagram of auditing module according to an embodiment of the present invention；
Fig. 5 is a kind of optional hardware structure schematic diagram of electronic device according to an embodiment of the present invention.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that described herein, specific examples are only used to explain the present invention, not
For limiting the present invention.Based on the embodiments of the present invention, those of ordinary skill in the art are not before making creative work
Every other embodiment obtained is put, shall fall within the protection scope of the present invention.
In view of the mode of the mode either online booking of phone is usually used in the debt-credit of existing internet, rather than
True man one to one verify the identity of borrower, considerably increase a possibility that borrower illegally borrows money in this way.For example,
Borrower can carry out identity camouflage, then borrow money, and certainly will will lead to the appearance of malice loaning bill situation in this way.
Based on this, in this example, it is contemplated that the cell phone address book information of each user can embody this to a certain extent
The social relationships of user.User can apply borrowing by the mobile phone of oneself when submitting loan application on loan platform
Money, the address list information for mobile phone used in the available user of platform of at this moment providing a loan, then can be with according to the address list information of acquisition
Determine the credibility of user.
For this purpose, provide a kind of resource allocation methods, electronic equipment in this example, below to this method and electronic equipment into
Row is described as follows:
Embodiment one
Resource allocation methods provided by the invention are illustrated with reference to the accompanying drawing.
In view of relatively high to the risk in the presence of the review process of creditor's identity in existing online loan transaction
The problem of, considering in this example can be by the cell phone address book information of acquisition user, based on cell phone address book information come really
The probability etc. that the fixed debtor cheats loan.
Fig. 1 is a kind of optional flow diagram of resource allocation methods of the present invention, as shown in Figure 1, this method can wrap
Include following steps:
Step 101: obtaining the resource acquisition request that user terminal is sent；
For example, user A initiates a resource acquisition request, request is borrowed money: 100,000.Shen can be initiated on loaning bill platform
Please or phone is applied.When application, the power of the available access user mobile phone address list information of loaning bill platform
Limit.
Above-mentioned resource acquisition request can be through input on loaning bill platform and selection operation initiation, be also possible to use
What the modes such as phone, artificial were initiated, it can specifically be selected according to actual needs using which kind of mode, the application does not limit this
It is fixed.
Step 102: resource allocation system is requested in response to the resource acquisition, obtains the essential information of the user, and
By pre-set interface in the user terminal, cell phone address book information is transferred from the user terminal；
Loaning bill platform is after the loaning bill for receiving user is asked, the essential information of available user, such as: the body of user
Part information, age information, bank card information.These essential informations can be and obtain from the inquiry of the place such as credit inquiry platform.
And cell phone address book information can be transferred from user terminal by interface pre-set in user terminal.Such as: it can be by pre-
If the interface being arranged, message registration in direct calling and obtaining user end, the contact information etc. stored in user mobile phone telephone directory.With
Cell phone address book information of these information as user verifies the identity of user with triggering.
Step 103: resource allocation credit being carried out to the user according to the essential information and cell phone address book information and is examined
Core；
Specifically, contact person's ownership place, contact name etc. can be extracted by the cell phone address book information of acquisition user
Key factor analyzes the refund wish of borrower, probability of cheating loan etc. using from artificial intelligence model, is based on this, determines user
Resource allocation credit.
However, it is noted that as audit condition be only that a kind of additivity audits condition using cell phone address book information,
When actually realizing, it can according to need and carry out recognition of face, reference report queries etc. with situation to carry out resource allocation
The audit of credit.It specifically can basis as the assisted verification mode based on cell phone address book signal auditing in a manner of which audit
Actual needs selection, the application are not construed as limiting this.
Above-mentioned key factor can include but is not limited at least one of: contact person's ownership place, contact name.
I.e., it is possible to obtain information of home location, name information etc., the connection number etc. of each user nearest a period of time can also be obtained
Deng.
Specifically, carrying out the audit of resource allocation credit to the user according to essential information and cell phone address book information
When, one of it can use but be not limited to following manner and carry out:
Mode 1) from essential information and cell phone address book information extract key factor；According to the key factor of extraction, lead to
After audit model trained in advance, determine whether the resource allocation credit of the user reaches preset threshold；Reach institute in determination
In the case where stating preset threshold, determine that the audit of resource allocation credit passes through.
Mode 2) from essential information and cell phone address book information extract key factor；Determine in the key factor it is each because
The weighted value of son；The accumulation calculating based on weight is carried out according to the weighted value of each factor, obtains accumulated value；Determine the accumulated value
Whether reach preset value, in the case where determination reaches preset value, determines that the audit of resource allocation credit passes through.
That is, when carrying out the audit of resource allocation credit, it can be by the way of pre-establishing identification model, it can also be with
The mode for being adopted as each factor setting weighted value carries out the mode of weight accumulating operation.
When specific implementation, in order to which the demand of hierarchical and flexibility loan may be implemented, it can be asked based on user
Ask the amount of money of loan that different weighted value sizes is set, for example, the amount of the loan is higher, then threshold value setting is higher, that is, if it is very
The loan of the low amount of money, then relatively low weighted value can be arranged, if it is the very high amount of the loan, so that it may phase be arranged
To higher weighted value.That is, the amount of money is higher, audit is stringenter, so as to effectively promote the flexibility of resource allocation.
After carrying out the audit of resource allocation credit to the user according to the cell phone address book information, resource is being determined
Credit is distributed in the case that the audit fails, Xiang Suoshu user returns to audit failed message, wherein in the audit failure information
Carry the reason of the audit fails data.I.e., it is possible to the reason of failing is returned to user in the case where auditing failure, this
Sample user knows why oneself can audit and fails, if such user feels that audit is unreasonable, can effectively be appealed,
To avoid mistake audit cause loan go wrong the case where, so as to loan on guarantee audit safety in the case where,
A possibility that audit passes through is promoted, audit is avoided to make mistakes.
Step 104: after determining the audit of resource allocation credit, determining that the resource acquisition request passes through.
In the above-described embodiments, after user initiates resource acquisition request, the mobile communication information of the user is obtained, so
The cell phone address book information based on user audits the resource allocation credit of user afterwards, only after audit passes through, just to
The user offers loans.That is, by obtain user mobile phone address list information be user carry out resource allocation, thus reached it is low at
This resource allocation, and the existing incomplete problem of authentication that can borrow money to avoid existing network.
Specifically, in view of the cell phone address book information of corresponding each user can embody the user's to a certain extent
Social relationships.
User can apply providing a loan, at this moment by the mobile phone of oneself when submitting loan application on loan platform
The address list information of mobile phone used in the loan available user of platform, then can determine user according to the address list information of acquisition
Credibility.For example, different numerical value can be arranged for different items of information, determine in the address list information of user it is many all
It is resource allocation phone (for example, being the phone of finance company), then can be lower for user's credit call item setting one
Numerical value, determine the phone transferred in the address list information of user mostly and be all with the ownership place of the cell-phone number of oneself whether
Identical, if ownership place peace is different from mostly, and ownership place is all more dispersed, can be the ownership place item setting one of the user
A lower numerical value.Further, using the phone of the user of the pet name in available user's address list, it is then based on this electricity
Words number obtain the resource allocation confidence level of the object using the pet name, in this, as a reference items, if the pet name is corresponding right
As resource allocation confidence level is relatively high, then a relatively high numerical value can be arranged for the pet name item of the user, if should
The pet name corresponding object resource distribution Reliability ratio is lower, then can be arranged for the pet name item of the user one it is relatively low
Numerical value.
I.e., it is possible to extract some ownership place, address name etc. by the information in cell phone address book, as it is crucial because
Son determines refund wish, loan repayment capacity and probability of cheating loan of the borrower etc. then by the model pre-established.
Such as: identification ownership place, it is only necessary to get the telephone number in address list information, so that it may inquire corresponding
Ownership place, address name are exactly the user name of the corresponding storage of number in address list information.For example, a call is grabbed
Record: small by U.S. 13812315224, that one small beauty is exactly user name, and ownership place corresponding to phone number is exactly the ownership place extracted.
For in identification process, unrecognized address list information content, it is believed that interference data either need to clean
Data, then these data can directly do discard processing.
When specific implementation, it can establish a scoring model, multiple reference items be set in the scoring model, are
A weighted value is arranged in each reference items, wherein the value of each reference items can confirm according to the address list information of the user.
After getting the address list information of borrower, analytical integration can be carried out to address list information, determine each reference items
Numerical value, then the numerical value of each reference items is updated in the scoring model, to calculate final point of the scoring model
Value.
Wherein, which can be what the basic model training method of use obtained, for example, available multiple samples
Data have been labelled with score value corresponding to each essential information and address list information in sample data, then will mark
Sample data be input in model and be trained, to obtain above-mentioned scoring model.
Score threshold can be preset, different score thresholds corresponds to different processing modes, for example, if score value is super
First threshold out, then it is determined that the borrower is very credible, loan repayment capacity is pretty good, can agree to make loans, if score value is not up to
One threshold value, but reached second threshold, then can determine that the borrower, can be to this there are certain resource allocation risk
The operation that creditor reduce amount can be reduced to 50,000, if score value is not up to second for example, 100,000 can be borrowed originally
Threshold value, then can determine that the borrower has very big resource allocation risk, then can directly refuse the money of the borrower
Source acquisition request.
It, can be on the loan requests interface of user after determining resource allocation result when actually realizing
It has been shown that, for example, can be shown respectively for different situations: by, reduce amount, by etc..Borrower passes through
The content of interface display is known that whether oneself borrows or lends money success, if failed, can click and check specific reason
Deng.
That is, by obtaining the cell phone address book information of user, extracting the keys such as contact person's ownership place, title in upper example
The factor is analyzed the refund wish of borrower, probability of cheating loan, is then taken automatically according to wish degree using from artificial intelligence model
Refusal, the processing mode for dropping volume, early warning.Credit air control processing capacity can be improved through the above way, and can be to resource point
It is identified with full-range monitoring is carried out, and identifies risk in time, and data source acquisition is convenient, cost is relatively low.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.
Embodiment two
The resource allocation methods provided in one based on the above embodiment provide a kind of resource allocation system in the present embodiment,
Specifically, Fig. 2, Fig. 3 and Fig. 4 show the optional structural block diagram of the resource allocation system, which is divided
At one or more program modules, one or more program module is stored in storage medium, and by one or more
It manages performed by device, to complete the present invention.The so-called program module of the present invention is the series of computation for referring to complete specific function
Machine program instruction section is more suitable for describing implementation procedure of the resource allocation system in storage medium than program itself, be described below
The function of each program module of the present embodiment will specifically be introduced:
As shown in Fig. 2, resource allocation system 20 includes:
First obtains module 201, and the resource acquisition for obtaining user is requested；
Second obtains module 202, for requesting in response to the resource acquisition, obtains the essential information of the user, institute
State the identity information that essential information includes user, age information, bank card information；
Third obtains module 203, for requesting in response to the resource acquisition, by pre-set in the user terminal
Interface transfers cell phone address book information from the user terminal；
Auditing module 204, for carrying out resource point to the user according to the essential information and cell phone address book information
It is audited with credit；
Determining module 205 passes through information extremely for after the audit of resource allocation credit passes through, sending resource acquisition request
The user terminal.
In one embodiment, it as shown in figure 3, above-mentioned auditing module 203 may include: the first extracting unit 301, uses
In extracting key factor from the essential information and cell phone address book information；First determination unit 302, for according to extraction
Key factor determines whether the resource allocation credit of the user reaches preset threshold by audit model trained in advance；The
Two determination units 303, in the case where determination reaches the preset threshold, determining that the audit of resource allocation credit passes through.
In one embodiment, it as shown in figure 4, above-mentioned auditing module 203 may include: the second extracting unit 401, uses
In extracting key factor from the essential information and cell phone address book information；Third determination unit 402, for determining the pass
The weighted value of each factor in the key factor；Computing unit 403, by the weighted value according to each factor carry out by weight it is cumulative based on
It calculates, obtains accumulated value；4th determination unit 404 reaches default in determination for determining whether the accumulated value reaches preset value
In the case where value, determine that the audit of resource allocation credit passes through.
In one embodiment, above-mentioned key factor can include but is not limited at least one of: contact person's ownership
Ground, contact name.
In one embodiment, it is being audited to user progress resource allocation credit according to cell phone address book information
Afterwards, can also be in the case where determining resource allocation credit the audit fails, Xiang Suoshu user returns to audit failed message,
In, the reason of the audit fails data are carried in the audit failure information.
Such as: user can apply providing a loan by the mobile phone of oneself when submitting loan application on loan platform,
At this moment the address list information of mobile phone used in the loan available user of platform, then can determine according to the address list information of acquisition
The credibility of user.For example, different numerical value can be arranged for different items of information, determine in the address list information of user very
All it is mostly credit call, then a lower numerical value can be arranged for user's credit call item, determines the address list of user
Whether the phone transferred in information is all identical as the ownership place of the cell-phone number of oneself mostly, if ownership place peace is most all
It is not identical, and ownership place is all more dispersed, a lower numerical value can be arranged for the ownership place item of the user.Further,
Using the phone of the user of the pet name in available user's address list, it is then based on this phone number and obtains the object for using the pet name
Resource allocation confidence level, in this, as a reference items, if the corresponding object resource distribution confidence level of the pet name is relatively high,
So one relatively high numerical value can be set for the pet name item of the user, if the corresponding object resource distribution of the pet name can
Reliability is relatively low, then a relatively low numerical value can be arranged for the pet name item of the user.
I.e., it is possible to extract some ownership place, address name etc. by the information in cell phone address book, as it is crucial because
Son determines refund wish, loan repayment capacity and probability of cheating loan of the borrower etc. then by the model pre-established.
When specific implementation, it can establish a scoring model, multiple reference items be set in the scoring model, are
A weighted value is arranged in each reference items, wherein the value of each reference items can confirm according to the address list information of the user.
After getting the address list information of borrower, analytical integration can be carried out to address list information, determine each reference items
Numerical value, then the numerical value of each reference items is updated in the scoring model, to calculate final point of the scoring model
Value.
Score threshold can be preset, different score thresholds corresponds to different processing modes, for example, if score value is super
First threshold out, then it is determined that the borrower is very credible, loan repayment capacity is pretty good, can agree to make loans, if score value is not up to
One threshold value, but reached second threshold, then can determine that the borrower, can be to this there are certain resource allocation risk
The operation that creditor reduce amount can be reduced to 50,000, if score value is not up to second for example, 100,000 can be borrowed originally
Threshold value, then can determine that the borrower has very big resource allocation risk, then can directly refuse the money of the borrower
Source acquisition request.
About the device in above-described embodiment, wherein each unit, module execute the concrete mode of operation related
It is described in detail in the embodiment of this method, no detailed explanation will be given here.
In each embodiment of the present embodiment, after user initiates resource acquisition request, the hand of the user is obtained
Machine communication information, the cell phone address book information for being then based on user are audited the resource allocation credit of user, are only being audited
By later, just offering loans to the user.That is, being based not only on user when carrying out identity and signal auditing to user
The essential information also cell phone address book information based on user, thereby may be ensured that the accuracy of user information, with promoted borrow money
Validity.
Embodiment three
A kind of electronic device is provided in the preferred embodiment of the invention three.Fig. 5 is that electronic device one is real according to the present invention
Apply the hardware structure schematic diagram of example.In the present embodiment, electronic device 2 is that one kind can be according to the finger for being previously set or storing
It enables, the automatic equipment for carrying out numerical value calculating and/or information processing.For example, it may be smart phone, tablet computer, notebook are electric
Brain, desktop computer, rack-mount server, blade server, tower server or Cabinet-type server (including independent clothes
Server cluster composed by business device or multiple servers) etc..As shown, electronic device 2 includes, but is not limited to:
Connection memory 21, processor 22, network interface 23 and resource allocation system 20 can be in communication with each other by system bus.
Wherein:
Memory 21 includes at least a type of computer readable storage medium, and readable storage medium storing program for executing includes flash memory, hard
Disk, multimedia card, card-type memory (for example, SD or DX memory etc.), random access storage device (RAM), static random-access
Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), may be programmed read-only storage at read-only memory (ROM)
Device (PROM), magnetic storage, disk, CD etc..In some embodiments, memory 21 can be the inside of electronic device 2
Memory module, such as the hard disk or memory of the electronic device 2.In further embodiments, memory 21 is also possible to electronics dress
Set the plug-in type hard disk being equipped on 2 External memory equipment, such as the electronic device 2, intelligent memory card (Smart Media
Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Certainly, memory 21 is gone back
Can both including electronic device 2 storage inside module and also including its External memory equipment.In the present embodiment, memory 21 is usual
For storing the operating system and types of applications software that are installed on electronic device 2, such as the program code of resource allocation system 20
Deng.In addition, memory 21 can be also used for temporarily storing the Various types of data that has exported or will export.
Processor 22 can be in some embodiments central processing unit (Central Processing Unit, CPU),
Controller, microcontroller, microprocessor or other data processing chips.The processor 22 is commonly used in control electronic device 2
Overall operation, such as execute control relevant to the progress data interaction of electronic device 2 or communication and processing etc..The present embodiment
In, program code or processing data of the processor 22 for being stored in run memory 21, such as the resource allocation system of operation
System 20 etc..
Network interface 23 may include radio network interface or wired network interface, which is commonly used in electronics
Communication connection is established between device 2 and other electronic devices.For example, network interface 23 be used for by network by electronic device 2 with
Exterior terminal is connected, and establishes data transmission channel and communication connection etc. between electronic device 2 and exterior terminal.Network can be with
It is intranet (Intranet), internet (Internet), global system for mobile communications (Global System of
Mobile communication, GSM), wideband code division multiple access (Wideband Code Division Multiple
Access, WCDMA), 4G network, 5G network, bluetooth (Bluetooth), the wirelessly or non-wirelessly network such as Wi-Fi.
It should be pointed out that Fig. 5 illustrates only the electronic device with component 21-23, it should be understood that simultaneously should not
Realistic to apply all components shown, the implementation that can be substituted is more or less component.
In the present embodiment, the resource allocation system 20 being stored in memory 21 can also be divided into one or more
A program module, one or more program module are stored in memory 21, and by one or more processors (this implementation
Example is processor 22) it is performed, to complete the present invention.
Example IV
The present embodiment also provides a kind of computer readable storage medium, and resource point is stored in computer readable storage medium
Match system, resource allocation system can be performed by least one processors, so that at least one processor executes such as embodiment one
Resource allocation methods the step of.
In the present embodiment, computer readable storage medium include flash memory, hard disk, multimedia card, card-type memory (for example,
SD or DX memory etc.), random access storage device (RAM), static random-access memory (SRAM), read-only memory (ROM),
Electrically erasable programmable read-only memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD
Deng.In some embodiments, computer readable storage medium can be the internal storage unit of computer equipment, such as the calculating
The hard disk or memory of machine equipment.In further embodiments, computer readable storage medium is also possible to the outer of computer equipment
The plug-in type hard disk being equipped in portion's storage equipment, such as the computer equipment, intelligent memory card (Smart Media Card,
SMC), secure digital (Secure Digital, SD) blocks, flash card (Flash Card) etc..Certainly, computer-readable storage medium
Matter can also both including computer equipment internal storage unit and also including its External memory equipment.In the present embodiment, computer
Readable storage medium storing program for executing is installed on the operating system and types of applications software of computer equipment, such as embodiment two commonly used in storage
Client ensure analysis system program code etc..In addition, computer readable storage medium can be also used for temporarily storing
Various types of data through exporting or will export.
Obviously, those skilled in the art should be understood that each module of the above-mentioned embodiment of the present invention or each step can be with
It is realized with general computing device, they can be concentrated on a single computing device, or be distributed in multiple computing devices
On composed network, optionally, they can be realized with the program code that computing device can perform, it is thus possible to by it
Store and be performed by computing device in the storage device, and in some cases, can be held with the sequence for being different from herein
The shown or described step of row, perhaps they are fabricated to each integrated circuit modules or will be multiple in them
Module or step are fabricated to single integrated circuit module to realize.In this way, the embodiment of the present invention be not limited to it is any specific hard
Part and software combine.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of resource allocation checking method, which comprises the steps of:
Step 101: obtaining the resource acquisition request that user terminal is sent；
Step 102: resource allocation system is requested in response to the resource acquisition, obtains the essential information of the user, the base
This information includes the identity information of user, age information, bank card information；
Step 103: resource allocation system is requested in response to the resource acquisition, is connect by pre-set in the user terminal
Mouthful, cell phone address book information is transferred from the user terminal；
Step 104: resource allocation system provides the user according to the essential information and the cell phone address book information
Source distribution audit；
Step 105: after the audit of resource allocation system resource allocation passes through, sending resource acquisition request by information to described
User terminal.
2. the method according to claim 1, wherein resource allocation system is according to the essential information and the hand
Machine address list information carries out resource allocation audit to the user, comprising:
Resource allocation system extracts key factor from the essential information and the cell phone address book information；
Resource allocation system determines the resource of the user by audit model trained in advance according to the key factor of extraction
Whether distribution credit reaches preset threshold；
In the case where determination reaches the preset threshold, resource allocation system determines that the audit of resource allocation credit passes through.
3. the method according to claim 1, wherein resource allocation system is according to the essential information and the hand
Machine address list information carries out the audit of resource allocation credit to the user, comprising:
Resource allocation system extracts key factor from the essential information and the cell phone address book information；
Resource allocation system determines the weighted value of each factor in the key factor；
Resource allocation system carries out the accumulation calculating based on weight according to the weighted value of each factor, obtains accumulated value；
Determine whether the accumulated value reaches preset value, in the case where determination reaches preset value, resource allocation system determines money
Distribution credit audit in source passes through.
4. according to the method in claim 2 or 3, which is characterized in that the key factor includes at least one of: connection
People's ownership place, contact name.
5. method according to claim 1 to 4, which is characterized in that in resource allocation system according to the base
This information and the cell phone address book information carry out the user after the audit of resource allocation credit, further includes:
In the case where determining resource allocation credit the audit fails, resource allocation system returns to audit to the user and unsuccessfully disappears
Breath, wherein carry the reason of the audit fails data in the audit failure information.
6. a kind of electronic device, including memory and processor, which is characterized in that the memory can be by the place for storing
The resource allocation system that device executes is managed, the resource allocation system includes:
First obtains module, for obtaining the resource acquisition request of user terminal transmission；
Second obtains module, for requesting in response to the resource acquisition, obtains the essential information of the user, the basic letter
Breath includes the identity information of user, age information, bank card information；
Third obtains module, for being requested in response to the resource acquisition, by pre-set interface in the user terminal, from
Cell phone address book information is transferred in the user terminal；
Auditing module, for carrying out resource allocation letter to the user according to the essential information and the cell phone address book information
With audit；
Determining module passes through information to the use for after the audit of resource allocation credit passes through, sending resource acquisition request
Family end.
7. electronic device according to claim 6, which is characterized in that the auditing module includes:
First extracting unit, for extracting key factor from the essential information and the cell phone address book information；
First determination unit determines the user's by audit model trained in advance for the key factor according to extraction
Whether resource allocation credit reaches preset threshold；
Second determination unit, in the case where determination reaches the preset threshold, determining that the audit of resource allocation credit passes through.
8. electronic device according to claim 6, which is characterized in that the auditing module includes:
Second extracting unit, for extracting key factor from the essential information and the cell phone address book information；
Third determination unit, for determining the weighted value of each factor in the key factor；
Computing unit obtains accumulated value for carrying out the accumulation calculating based on weight according to the weighted value of each factor；
4th determination unit, for determining whether the accumulated value reaches preset value, in the case where determination reaches preset value, really
Determine the audit of resource allocation credit to pass through.
9. a kind of computer equipment, comprising: memory, processor and storage are on a memory and the meter that can run on a processor
Calculation machine program, which is characterized in that the processor realizes any one of claims 1 to 5 institute when executing the computer program
The step of stating method.
10. a kind of non-volatile computer readable storage medium storing program for executing, is stored thereon with computer program, which is characterized in that the meter
The step of calculation machine program realizes any one of claims 1 to 5 the method when being executed by processor.
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| CN201910628913.0A CN110533522A (en) | 2019-07-12 | 2019-07-12 | Resource allocation checking method, electronic device and computer readable storage medium |
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| CN201910628913.0A CN110533522A (en) | 2019-07-12 | 2019-07-12 | Resource allocation checking method, electronic device and computer readable storage medium |
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