CN111260244A

CN111260244A - Resource calculation method and device for business project

Info

Publication number: CN111260244A
Application number: CN202010084440.5A
Authority: CN
Inventors: 吴鹃
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Ant Shengxin (Shanghai) Information Technology Co.,Ltd.
Priority date: 2020-02-10
Filing date: 2020-02-10
Publication date: 2020-06-09

Abstract

The present specification provides a resource calculation method and an apparatus for a business project, wherein the resource calculation method for the business project includes: receiving a query instruction uploaded by a user side through a query channel of a service item, wherein the query instruction carries a query resource value aiming at the service item and identification information of a user corresponding to the user side; determining attribute information of the user according to the identification information, and determining a service resource parameter corresponding to the attribute information through a corresponding relation between the user attribute information and the service resource parameter, wherein the service resource parameter is used for calculating a service resource value of the user for a service project; calculating a target service resource value corresponding to the user based on the query resource value, the service resource parameter and the attribute information; and issuing the display information of the target service resource value corresponding to the query instruction to the user side through the query channel.

Description

Resource calculation method and device for business project

Technical Field

The present specification relates to the technical field of resource allocation, and in particular, to a resource calculation method for a business project. The present specification relates to two resource calculation devices for business projects, two calculation devices and two computer readable storage media.

Background

With the development of internet technology, more and more online services are gradually increased, the convenience brought to users by the online services is more and more obvious, and the insurance industry is widely applied online. Along with the enhancement of insurance awareness of users, most users can increase types of insurance such as business and the like on the basis of dangerous varieties such as social insurance and the like to improve the living level of the old, the participating insurance types are usually determined according to a rate table and related information provided by an insurance service platform in the process of purchasing insurance on line, the users can only determine the total amount required to be invested according to the related information such as the rate table and the like, the specific amount invested according to the period cannot be determined according to the related information such as the rate table and the like, and the specific amount won each year or each month cannot be known when the money receiving stage is reached, so that the trust sense of the users is greatly reduced, the money receiving amount of the money receiving stage cannot be changed along with the change of the money receiving times or the money throwing period of the users, and the money can only be paid and won according to the fixed rules provided by the insurance service platform, the user insurance application experience effect is limited to a great extent.

Disclosure of Invention

In view of this, the embodiments of the present specification provide two resource calculation methods for business projects. The present specification relates to two resource calculation apparatuses for business projects, two calculation devices, and two computer readable storage media, so as to solve the technical defects existing in the prior art.

According to a first aspect of the embodiments of the present specification, there is provided a resource calculation method for a business project, including:

receiving a query instruction uploaded by a user side through a query channel of a service item, wherein the query instruction carries a query resource value aiming at the service item and identification information of a user corresponding to the user side;

determining attribute information of the user according to the identification information, and determining a service resource parameter corresponding to the attribute information through a corresponding relation between the user attribute information and the service resource parameter, wherein the service resource parameter is used for calculating a service resource value of the user for a service project;

calculating a target service resource value corresponding to the user based on the query resource value, the service resource parameter and the attribute information;

and issuing the display information of the target service resource value corresponding to the query instruction to the user side through the query channel.

Optionally, when the query resource value is an incoming resource value, the calculating a target service resource value corresponding to the user based on the query resource value, the service resource parameter, and the attribute information includes:

calculating the time length of the user to participate in the service project according to the attribute information and the service time information of the service project;

and determining a first service resource value based on the duration to be participated and the inflow resource value, calculating an outflow resource value of the service project aiming at the user outflow through the first service resource value, the attribute information and the service resource parameter, and taking the outflow resource value as the target service resource value.

Optionally, when the query resource value is an outgoing resource value, the calculating a target service resource value corresponding to the user based on the query resource value, the service resource parameter, and the attribute information includes:

and determining a second service resource value according to the duration to be participated and the outflow resource value, calculating an inflow resource value of the user flowing in aiming at the service project through the second service resource value, the attribute information and the service resource parameter, and taking the inflow resource value as the target service resource value.

Optionally, the determining, according to the correspondence between the user attribute information and the service resource parameter, the service resource parameter corresponding to the attribute information includes:

determining occupational information, gender information and age information of the user according to the attribute information;

inquiring age resource parameters corresponding to the age information in the corresponding relation between the user attribute information and the service resource parameters;

determining a career weight corresponding to the career information and a gender weight corresponding to the gender information, and determining the service resource parameter according to the career weight, the gender weight and the age resource parameter.

Optionally, the issuing, to the user side through the query channel, the display information of the target service resource value corresponding to the query instruction includes:

calculating a total outflow resource value of the business project for the user according to the target business resource value and the project information of the business project;

calculating the service period of the user participating in the service project according to the attribute information;

and integrating the total flow resource value, the service period and the target service resource value into the display information, and sending the display information to the user side through the query channel.

Optionally, after the step of issuing, to the user side, the display information of the target service resource value corresponding to the query instruction through the query channel is executed, the method further includes:

receiving a completion request uploaded by the user side through a resource task channel of the service project, wherein the completion request carries a completion certificate corresponding to a resource task of the service project;

detecting the completion certificate, and determining reward terms for completing the resource task under the condition that the user is determined to complete the resource task according to a detection result;

and adjusting the total flow resource value based on the reward clause, and sending adjustment reminding information corresponding to an adjustment result to the user side.

Optionally, when the user successfully participates in the service project, after the step of issuing the display information of the target service resource value corresponding to the query instruction to the user side through the query channel is executed, the method further includes:

receiving a quitting request uploaded by the user side for quitting the business project by the user;

determining the adding time length of the user for adding the service item according to the quitting request, and judging whether the adding time length is greater than a preset time length threshold value;

if yes, determining a first incoming service resource value of the user flowing in for the service project in the joining time length, calculating the first incoming service resource value according to a quitting rate preset for the service project and the joining time length, and returning the first returning resource value to the user according to a calculation result;

if not, determining a second incoming service resource value of the user flowing in for the service project within the joining time length, and returning a second returning resource value to the user according to the second incoming service resource value.

receiving a participation instruction uploaded by the user side through a participation channel of the business project, wherein the participation instruction carries a participation business resource value of the user participating in the business project;

calculating a distributed service resource value corresponding to the user according to the participating service resource value, the service resource parameter and the attribute information;

when the user successfully participates in the business project, successful participation display information of the distributed business resource value corresponding to the participation instruction is issued to the user side through the participation channel, and a resource account of the user is determined according to the identification information;

and deducting the resource value which is the same as the value of the participating service resource in the resource account.

Optionally, after the step of deducting the resource value that is the same as the allocated service resource value from the resource account is executed, the method further includes:

receiving a customization instruction submitted by the user side through a custom plan channel of the service project, wherein the customization instruction carries plan information of the user aiming at the value of the participating service resource;

determining the planning time customized by the user aiming at the participated service resource value according to the planning information, and detecting whether the current time is consistent with the planning time;

and if so, deducting a resource value which is the same as the participating service resource value from the resource account.

Optionally, the deducting a resource value in the resource account, which is the same as the value of the participating service resource, includes:

determining a deduction resource value priority of a resource storage account contained in the resource account;

selecting a resource storage account with the highest priority of deducting resource values and the resource value which is greater than or equal to the value of the participating business resource and contained in the resource storage account to determine as a target resource storage account;

deducting the value of the participating business resource from the target resource storage account.

receiving an uploading instruction submitted by the user side through an uploading information channel of the service project, wherein the uploading instruction carries target attribute information of a target user and a target participating resource value;

determining a target service resource parameter corresponding to the target attribute information according to the corresponding relation between the user attribute information and the service resource parameter;

calculating a target resource value corresponding to the target user based on the target service resource parameter, the target attribute information and the target participating resource value;

and issuing target display information of the target resource value corresponding to the uploading instruction to the user side through the uploading information channel, and deducting a resource value identical to the target participation resource value from a target resource account of the user.

According to a second aspect of the embodiments of the present specification, there is provided another resource calculation method for a business project, including:

receiving a query request submitted by a user for a business project through a query interface, wherein the query request carries a query resource value for the business project;

uploading a query instruction to a server according to the query resource value, wherein the query instruction carries the query resource value and the identification information of the user;

and receiving display information issued by the server and displaying the display information to the user, wherein the display information carries a target service resource value corresponding to the query resource value.

Optionally, the receiving a query request submitted by a user for a business item through a query interface includes:

receiving the query request according to the query resource value input by the user through a resource value input box in the query interface;

alternatively, the first and second electrodes may be,

and receiving the query request according to the query resource value corresponding to the ending action of sliding the resource value control in the query interface by the user.

Optionally, after the receiving the display information issued by the server and performing the displaying step to the user, the method further includes:

receiving a completion instruction submitted by the user through a resource task interface, wherein the completion instruction carries a completion voucher corresponding to the resource task of the service project;

uploading a completion request carrying the completion certificate to the server side according to the completion certificate;

and receiving the adjustment reminding information returned by the server.

Optionally, when the user successfully participates in the service item, after the receiving the display information sent by the server and performing the display step to the user, the method further includes:

receiving an exit instruction submitted by the user for exiting the business item;

uploading an exit request to the server according to the exit instruction;

and receiving quit reminding information issued by the server.

receiving a participation request submitted by the user through a participation interface, wherein the participation request carries a participation service resource value of the user participating in the service project;

uploading a participation instruction to the server side according to the participation service resource value;

and receiving successful participation display information issued by the server and displaying the successful participation display information to the user, wherein the successful participation display information carries a distributed service resource value corresponding to the participation service resource value.

According to a third aspect of the embodiments of the present specification, there is provided a resource computing apparatus for a business project, including:

the system comprises a query instruction receiving module, a query instruction transmitting module and a query instruction receiving module, wherein the query instruction receiving module is configured to receive a query instruction uploaded by a user side through a query channel of a service item, and the query instruction carries a query resource value aiming at the service item and identification information of a user corresponding to the user side;

a service resource parameter determining module configured to determine attribute information of the user according to the identification information, and determine a service resource parameter corresponding to the attribute information through a corresponding relationship between the user attribute information and the service resource parameter, where the service resource parameter is used to calculate a service resource value of the user for a service project;

a target business resource value calculating module configured to calculate a target business resource value corresponding to the user based on the query resource value, the business resource parameter, and the attribute information;

and the issuing and displaying information module is configured to issue the displaying information of the target business resource value corresponding to the query instruction to the user side through the query channel.

According to a fourth aspect of the embodiments of the present specification, there is provided a resource calculating apparatus for another business project, including:

the query request receiving module is configured to receive a query request submitted by a user for a business project through a query interface, wherein the query request carries a query resource value for the business project;

the uploading query instruction module is configured to upload a query instruction to a server according to the query resource value, wherein the query instruction carries the query resource value and the identification information of the user;

and the receiving and displaying information module is configured to receive the displaying information issued by the server and display the displaying information to the user, wherein the displaying information carries a target service resource value corresponding to the query resource value.

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

a memory and a processor;

the memory is to store computer-executable instructions, and the processor is to execute the computer-executable instructions to:

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

a memory and a processor;

According to a seventh aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of a resource calculation method for a business project.

According to an eighth aspect of embodiments herein, there is provided another computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of another resource computing method for a business project.

In the method for calculating resources of a service item provided in an embodiment of this specification, when a query instruction uploaded by a user is received, attribute information of a user is determined according to identification information carried in the query instruction, a service resource parameter corresponding to the attribute information is queried in a correspondence between the attribute information and the service resource parameter, a target service resource value corresponding to the user is calculated based on a query resource carried in the query instruction, the service resource parameter, and the attribute information, and finally presentation information of the target service resource value corresponding to the query instruction is issued to the user through the query channel, so that the target service resource value can be calculated according to the query resource value of any value submitted by the user, and the user can accurately know the target service resource value of the service item flowing into or flowing out of the user, the method and the device have the advantages that the trust and experience effects of the user on the service items are effectively improved, in the process that the user flows in the resource value aiming at the service items, the resource value can be determined by the user in a user-defined mode, so that the limitation of the service items on the inflow resource value is reduced, the personalized definition of the user aiming at the inflow resource value is improved, and the convenience brought to the user is effectively improved.

Drawings

FIG. 1 is a flowchart of a resource calculation method for a business project according to an embodiment of the present disclosure;

FIG. 2 is a schematic diagram of a first scenario in a resource calculation method for a business project according to an embodiment of the present specification;

fig. 3 is a schematic diagram of a second scenario in a resource calculation method for a business project according to an embodiment of the present specification;

FIG. 4 is a flowchart of another method for calculating resources of a business project according to an embodiment of the present disclosure;

FIG. 5 is an interaction diagram of a resource calculation method applied to a business project in an aging project scenario according to an embodiment of the present specification;

FIG. 6 is a schematic structural diagram of a resource calculating device for a business project according to an embodiment of the present disclosure;

FIG. 7 is a schematic structural diagram of a resource computing device of another business project provided in an embodiment of the present specification;

FIG. 8 is a block diagram of a computing device provided in an embodiment of the present description;

fig. 9 is a block diagram of another computing device provided in an embodiment of the present description.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

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

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

In the present specification, two resource calculation methods for business projects are provided, and the present specification simultaneously relates to two resource calculation apparatuses for business projects, two calculation devices, and two computer-readable storage media, which are described in detail in the following embodiments one by one.

Fig. 1 shows a flowchart of a resource calculation method for a business project according to an embodiment of the present specification, which specifically includes the following steps:

step 102: receiving a query instruction uploaded by a user side through a query channel of a service item, wherein the query instruction carries a query resource value aiming at the service item and identification information of a user corresponding to the user side.

In practical application, in the process of calculating the target service resource value of a service project, a party providing the service project usually determines through a set algorithm according to information of users in various dimensions and participating resource values, and in the process of submitting the target service resource value by users, the party is also determined by the service project party, the service project party can display the submitted resource value and the resource value which can be obtained by the users in a tariff manner, and the users cannot accurately determine the periodic resource value which can be obtained in each period through the tariff, so that the trust of the users on the service project is easily reduced, and the calculation process of the target service resource value is invisible relative to the users, thereby easily causing loss of the users of the service project.

The resource calculation method for service items provided by this specification, in order to improve the trust of users to service items and to realize that users can submit resource values of arbitrary values for service items, determines attribute information of users according to identification information carried in query instructions under the condition of receiving query instructions uploaded by users, queries service resource parameters corresponding to the attribute information in the corresponding relationship between the attribute information and the service resource parameters, calculates target service resource values corresponding to the users based on query resources carried in the query instructions, the service resource parameters and the attribute information, and finally issues presentation information of the target service resource values corresponding to the query instructions to the users through the query channels, calculates the target service resource values corresponding to the query resource values under the condition that users submit arbitrary query resource values, the method and the device have the advantages that the personalized processing can be carried out in the process that the user participates in the business project, so that the trust degree and the experience effect of the user on the business project are improved, the resource value is determined by the user in a user-defined mode, the limitation of the business project on the inflow resource value is reduced, the personalized definition of the user on the inflow resource value is improved, the convenience brought to the user is effectively improved, and the loss rate of the user on the business project is reduced.

In an embodiment of this specification, the business item may be an item for providing a support service for a user; the user side specifically refers to terminal equipment held by a user, and the user side can be equipment such as a mobile phone or a computer; the query resource value is specifically a resource value submitted by a user for a business project, and the query resource value may be a resource value that the user needs to obtain at a service project obtaining stage, at this time, a target business resource value calculated by a business project resource calculation method is a resource value submitted by the user in a process of participating in the business project, or the query resource value may be a resource value that the user needs to submit at the service project participating stage, at this time, a target business resource value calculated by the business project resource calculation method is a resource value that the user can obtain at the service project obtaining stage; the identification information specifically refers to a unique identification of the user, and attribute information of the user and the like can be determined through the identification information.

In addition, the resource value submitted by the user or the resource value picked up by the user may be a resource value submitted or picked up every period, or may be a sum of resource values picked up or submitted every period, that is, a total resource value picked up or a total resource value submitted by the user.

For example, in the pension project, when the user inquires that pension with any amount is invested every month, the pension corresponding to the invested amount, which can be received every month after retirement by the user, can be determined through calculation; or under the condition that the user inquires the pension which can be taken every month after retirement, the pension which the user should put in every month at the moment can be determined through calculation.

Step 104: and determining attribute information of the user according to the identification information, and determining a service resource parameter corresponding to the attribute information according to the corresponding relation between the user attribute information and the service resource parameter, wherein the service resource parameter is used for calculating a service resource value of the user for a service project.

Specifically, on the basis of receiving the query instruction, subsequent calculation of a target service resource value needs to be performed according to the query resource value and the identification information carried in the query instruction, and in the process, firstly, attribute information of the user needs to be determined according to the identification information, secondly, a service resource parameter matched with the attribute information is determined in a corresponding relationship between user attribute information and service resource parameters established in advance in the service item, and finally, subsequent calculation of the target service resource value is performed, and the target service resource value is displayed to the user.

The attribute information of the user may include age information, gender information, occupation information, credit information, and the like of the user, the service resource parameter specifically refers to a calculation factor to be applied to calculate the target service parameter, and the service resource parameter may be a specific probability value or a formula for calculating the service resource parameter; for example, in an pension project, in the process of calculating pension receivable by a user after retirement, calculation needs to be performed according to a pension calculation formula, in order to improve the calculation efficiency of the pension calculation process, pension calculation formulas corresponding to users of different ages can be pre-established, the pension calculation formulas for the users of different ages are service resource parameters in the pension project, or pension calculation rates corresponding to the users of different attribute information can be pre-established, and the pension calculation rates for the users of different attribute information are service resource parameters in the pension project.

In specific implementation, the business project may pre-establish a corresponding relationship between the user attribute information and the business resource parameter, that is, a corresponding relationship between the age information of the user and the business resource parameter, or a corresponding relationship between the professional information and the business resource parameter, or a corresponding relationship between the attribute information of other dimensions and the business resource parameter, where the corresponding relationship is established to improve the calculation efficiency in the subsequent process of calculating the target business resource value.

Further, in the process of determining the service resource parameter according to the attribute information, in order to improve the calculation effect of subsequently calculating the target service resource value, in one or more embodiments of this embodiment, an age resource parameter may be determined according to the attribute information, and then the service resource parameter is determined according to the age resource parameter and the weight coefficient of each dimension, which is specifically implemented as follows:

determining occupational information, gender information and age information of the user according to the attribute information

Specifically, on the basis of determining occupational information, gender information and age information of the user according to the attribute information, an age resource parameter corresponding to the age information is determined in a corresponding relationship between the user attribute information and a service resource parameter, and the corresponding relationship is established based on the age information and the resource parameter, and then the service resource parameter is calculated by combining the age information resource parameter according to the occupational weight of the execution information and the gender weight of the gender information.

In practical application, the age resource parameter corresponding to the age information is determined in the corresponding relationship between the user attribute information and the service resource information, in order to accurately calculate the target service resource value in the subsequent process, the calculation may be performed in units of days in the corresponding relationship, that is, in terms of days from the service item pickup stage, for example, the birth date of the user is 1990, 3, 22 days, and the current time is 2019, 9, 10 days (each month is based on 30 days), it is determined that the age of the user is 29, zero and 152 days, at this time, the age resource information may be determined in the corresponding relationship according to 29, zero and 152 days, and then the service resource parameter is determined in the subsequent process.

And in order to realize that the benefit maximization of the user can be ensured under the condition of loss of the business item part, and the target business resource value can be calculated in real time, the age resource parameter corresponding to the age information needs to be re-determined along with the age increase of the user, so that the resource value which can be obtained can be re-calculated by combining the current input resource value and the age information of the user under the condition that the user submits the resource value every time, the target business resource value is calculated according to the actual condition of the user, and the experience effect of the user is further improved.

Along the above example, the age of the first time resource value invested by the user is 29 years old and zero 152 days, the determined age resource parameter is a1, the target service resource value which can be acquired by the user for the first time per month or every week in the service item acquisition stage is calculated by combining the information of other dimensions, the resource investing value and a1, the age of the second time resource invested by the user is 182 days old, the age resource parameter is determined to be a2 again as the user grows with the age, the target service resource value which can be acquired by the user for the second time per month or every week in the service item acquisition stage is calculated by combining the information of other dimensions, the resource investing value and a2, and so on, the determined age resource parameter changes with the change of the age of the resource investing value every time.

In the process of determining the business resource parameters, in order to improve the accuracy of the business resource parameters for subsequently calculating the target business resource values, the business resource parameters can be determined in multiple aspects through age information, occupation information and gender information, and along with the change of the age, the business resource parameters also change, so that the subsequently calculated target business resource values also change along with the increase of the age, the calculation results of the subsequently calculated target business resource values are more fit with the actual conditions of users, the income effect of the users can be improved under the condition that the business projects are not lost, and the experience effect of the users is improved to a great extent.

Step 106: and calculating a target service resource value corresponding to the user based on the query resource value, the service resource parameter and the attribute information.

Specifically, on the basis of determining the service resource parameter corresponding to the attribute information of the user, further, the target service resource value needs to be calculated, where the target service resource value may be a resource value to be invested by the user at a participation stage of a service item or a resource value to be picked up at a picking stage of the service item, and the corresponding resource value may be an account score or an account amount of the user, and calculating the target service resource value needs to calculate the target service resource value according to not only the service resource parameter but also an inquiry resource value of the user and the attribute information.

Further, in the process of calculating the target service resource value, the query resource value needs to be calculated in combination with the query resource value, where the query resource value may be an incoming resource value or an outgoing resource value of a service project for a user, the incoming resource value specifically refers to a resource value submitted by the user in a participation stage of the service project, and the outgoing resource value specifically refers to a resource value that the user can obtain in a receiving stage of the service project, based on which, in the case that the query resource value is an incoming resource value, the target service resource value determined through calculation is the outgoing resource value, and in the case that the query resource value is the outgoing resource value, the target service resource value determined through calculation is the incoming resource value, in one or more embodiments of this embodiment, in the case that the query resource value is the incoming resource value, the calculation process of the target service resource value is as follows:

In practical application, the service time information of the service project specifically refers to end time information of the service project relative to the user, the duration to be participated specifically refers to a time length in which the user participates in the service project, a first service resource value is determined based on the duration to be participated and the inflow resource value, the first service resource value specifically refers to a calculation factor required for calculating a target service resource value, an outflow resource value of the service project for the user outflow is calculated according to the first service resource value, the attribute information and the service resource parameter, and finally the outflow resource value is used as the target service resource value.

For example, in the pension project in which the user participates, the user may input a payment amount of 1000 yuan once through a platform of the pension project, determine that the age of the user is 29 years and 152 days, and determine that the participation time of the user participating in the pension project is 9703 days according to the service time information (55 years retired and earn pension) of the pension project, and in the case that the user pays 1000 yuan per week, the pension amount that can be earned per month is 6510.17 yuan through calculation, and the pension may be subsequently presented to the user as a target service resource value.

In one or more embodiments of this embodiment, in the case that the query resource value is an outgoing resource value, a calculation process of the target service resource value is as follows:

For example, in an aging program participated by a user, the user wants to collect 5000 yuan per month after the user inputs retirement on a platform of the aging program, and determines that the age of the user is 23 years old 345 days, and the gender male determines that the participation time of the user participating in the aging program is 13525 days according to service time information (60 years old retired to collect pension), determines that if the user pays 402 yuan per week through calculation, the pension 5000 yuan per month after the retirement can be collected, and takes the weekly payment amount as a target service resource value to be subsequently shown to the user.

Besides, under the condition that the resource value invested by the user or the resource value wanted to be acquired in each period is the same, the resource value which can be acquired or the resource value invested changes along with the increase of the age, for example, the age of the user invested the resource value for the first time is 29 years and zero 152 days, the determined age resource parameter is A1, the target service resource value M1 which can be acquired by the user for the first time per month or week in the acquisition stage of the service item is calculated by combining the information of other dimensions, the input resource value and A1, the age of the user invested the resource value for the second time is 29 years and 182 days, the age of the user is determined to be A2 again along with the increase of the age, and then the target service resource value M2 … which can be acquired by the user for the second time per month or week in the acquisition stage of the service item is calculated by combining the information of other dimensions, the input resource value and A2, the service resource value which can be obtained through the last calculation is Mn;

at this time, it is required to determine that the number of the counted months is S in the user resource value counting table according to the age of the user, compare S with N, and if S is greater than N, indicate that the number of the counted months is greater than the number of times that the user can receive the resource value, at this time, determine the number of the counted months which is more than N, so that the total resource value that the user can receive is F ═ M1+ M2+ … Mn) + N Mn;

in the case that S is less than n, it indicates that the number of counted months is less than the number of times the user can acquire the resource value, and the number of times determines that the total resource value that the user can acquire is F-M1 + M2+ … Mn.

In the process of calculating the target service resource value according to the query resource, the outflow resource value can be calculated through the inflow resource value or the inflow resource value can be calculated according to the outflow resource value, so that the resource value required by the user can be calculated according to the requirement of the user, the experience effect of the user is improved to a great extent, the inflow resource value and the outflow resource value can be calculated and determined in real time, the query of the target service resource value of the user is facilitated, and the trust degree and the participation rate of the user on service projects are improved.

Step 108: and issuing the display information of the target service resource value corresponding to the query instruction to the user side through the query channel.

Specifically, on the basis of obtaining the target service resource value through the calculation, it is further required to send display information for displaying the target service resource corresponding to the query instruction to the user side of the user at this time, so that the user can know the target service resource value corresponding to the query resource value.

In practical application, after the display information is issued to the user side, the user side displays the target business resource value according to the display information, and in order to promote the participation rate of users in business projects and facilitate users to know the business projects from multiple aspects, information related to the business projects can be added to the display information, so that the business projects can be promoted and the understanding of the users on the business projects can be improved.

Further, in the process of issuing the presentation information to the user side, in order to improve the experience effect of the user and facilitate the user to know the service item, information related to the service item may be added to the presentation information, and in one or more embodiments of this embodiment, the generation and issuing processes of the presentation information are as follows:

Specifically, under the condition that a target service resource value is determined according to an inquiry resource value of the user, in order to facilitate the user to know the amount of a total output resource value, the total output resource value is determined by calculating based on the target service resource value and the project information of the service project, meanwhile, a service period of the user participating in the service project is calculated according to the attribute information, the service period is a time period of the user participating in the service project, and finally, the display information issued to the user terminal can be determined by integrating the service period, the total output resource value and the target resource value and issued to the user terminal, so that the user can view the target service resource value, the service period and the total output resource value at the user terminal.

In practical applications, the display information may further include other information related to the service item, such as a product description of the service item, legal information of the service item, and the like, and all of the information may be integrated into the display information for displaying to the user.

Referring to fig. 2, in the case that the user participates in the endowment program, the user inputs 1000 yuan through the payment amount control, it is determined by calculation that the endowment amount that can be collected in the future after retirement is 6510.17 yuan, and the payment period is a weekly payment, and at the same time, it is 394638.74 yuan that the dividend amount that can be dividend to the user is shown in the page, the total collection amount is 1106728.9 yuan (corresponding to 55 years and 170 months of the corresponding monthly table), and the page finally shown to the user through the user terminal is as shown in fig. 2.

In the process of issuing the display information to the user side, in order to improve the participation rate of a user in a business project and facilitate the user to know the relevant information of the business project, the display information can be composed of a total output resource value, a business period and the target business resource value and then issued to the user side, so that the business project can be popularized possibly, and the experience effect of the user is improved.

Furthermore, in order to attract more users to participate in the business project and improve the participation degree of the users participating in the business project, more total output resource values may be provided for the users in a manner of making the users perform tasks, in one or more embodiments of this embodiment, a specific implementation process of improving the total output resource values is as follows:

Specifically, the resource task refers to an interactive task issued by a business project for a user, the corresponding completion credential is a credential submitted by the user to complete the interactive task, detecting whether the user completes the resource task by detecting the completion voucher under the condition of receiving the completion request carrying the completion voucher, determining reward terms corresponding to the resource task under the condition that the user completes the resource task, the reward clause is a clause corresponding to the reward issued to the user, the total flow resource value issued by the user is adjusted based on the reward clause object, specifically, the total flow resource value is increased, and after the adjustment is finished, sending adjustment reminding information corresponding to the adjustment result to the user side so as to remind the user that the value of the service resource which can be picked up in the picking-up stage is increased.

Referring to fig. 3, a task of inviting friends to obtain pension is issued in a project page of a pension project, at this time, a user can obtain 2000 yuan of pension by completing the task, and when the user clicks and completes the task, a completion request submitted by the user is received, it is determined that the user has completed the task by detecting a completion credential carried in the completion request, at this time, 2000 yuan of pension is issued to the user, and a money amount corresponding to "pension (yuan) that can be obtained every month after the age of 55 in the project page is increased by 2000 yuan, that is, a reward given for the user to complete the task is obtained, and meanwhile, a reminder message for increasing the money amount of pension is sent to the user.

The participation degree of the user in the business project is improved in a task interaction mode, a certain reward mechanism can be provided for the user by completing the resource task, and the participation enthusiasm of the user in the business project is effectively improved.

In specific implementation, in a case that a user participates in the service item, in order to avoid too strong constraint on the user, the user may decide to quit the service item at any time according to his own will, and when the service item is quitted within a certain time, all the input resource values may be returned to the user, so as to avoid loss caused by the user, and when the service item is quitted beyond the certain time, the resource values returned to the user may be calculated according to the specific time of quitting, at this time, the service item will charge a certain management fee, so as to avoid a situation that the service item is lost, in one or more embodiments of this embodiment, a specific implementation manner is as follows:

Specifically, under the condition that a quit request that the user quits the service item and is uploaded by the user side is received, at this time, the user needs to quit the service item, the adding duration of the user to the service item is determined according to the quit request, and whether the duration is greater than a preset duration threshold value is judged; if yes, the time that the user joins the service project exceeds the time of the full refund resource value, at this time, a first incoming service resource value of the user for the service project in the joining time needs to be determined, then the first incoming service resource value is calculated according to the refund rate, the first refund resource value refunded to the user can be determined according to the calculation result, and the refund to the user can be carried out; if not, the time that the time for the user to join the service project does not exceed the time of the full refund resource value is indicated, and at the moment, the second inflow service resource value of the service project which the user flows into is taken as the second refund resource value and is refunded to the user.

In practical application, the exit rate may be set according to a practical application scenario, and may be set to 80%, 90%, or 95%, and the exit rate may be decreased or increased with the increase of the joining duration, and the specific setting state may be set according to the practical application scenario, which is not limited herein.

For example, in the process that a user who joins the endowment item decides to quit the endowment item, the time threshold of the endowment item is 30 days, and when the joining time of the user is greater than the time threshold of 30 days, the time that the user quits the endowment item is determined to exceed the full refund time, 80% of the withdrawal rate preset according to the endowment item is refunded to the user, the total payment amount of the user is determined to be 20000 yuan, the refund amount is determined to be 20000 × 80% to 16000 yuan through calculation, and then the user is refunded to 16000 yuan; under the condition that the time length of the user joining is less than or equal to the time length threshold value for 30 days, the time that the user quits the endowment project is determined not to exceed the full-amount refund time, and the total payment amount of 20000 yuan of the user payment is refunded to the user.

Under the condition that the user has a requirement for quitting the business project, the quit resource value returned to the user can be calculated in real time according to the quit request of the user, excessive constraint can not be generated on the user, and the degree of freedom of the user for participating in the business project is effectively improved.

In specific implementation, after the user determines, by querying a resource value, a target service resource value displayed to the user, the user may determine, by a result of the query, whether to join the service item, and when joining the service item, calculate, according to the value of participating in the service resource, a value of allocating the service resource to the user for the service item, and indicate that the user successfully participates in the service item by deducting the value of participating in the resource from a resource account of the user, in one or more embodiments of this embodiment, a specific implementation manner is as follows:

In practical application, the value of participating in the service resource specifically refers to a resource value submitted by a user in the process of participating in the service project, the value of participating in the service resource can be modified at will according to the will of the user, and then a value of allocating the service resource allocated to the user is calculated based on the value of participating in the service resource, wherein the value of allocating the service resource is a resource value that can be received by the user; and under the condition that the user successfully participates in the business project, sending reminding information of successfully participating in the business project to the user side, and simultaneously deducting a resource value which is the same as the value of participating in the business resource from a fund account of the user.

The resource account is an account for storing resources, such as a fund account for storing funds or a point account for storing points, on a platform of the business project, for the user, and the process of calculating the allocated business resource value according to the value of the participating business resource may refer to a process of calculating a target business resource value according to the value of the query resource, which is not limited in this embodiment.

In addition, in the process of deducting the value of the participating business resource through the resource account, the identity of the user can be preferentially verified, that is, the authenticity of the participating information submitted by the participating business project is verified, and the value of the participating business resource is deducted under the condition that the verification is passed.

And sending successful participation display information to the user under the condition that the user successfully participates in the service project so as to send a prompt to the user to prompt that the user successfully participates in the service project, thereby effectively improving the experience effect of the user.

Furthermore, in a case that the user successfully participates in the service project, the user needs to submit a resource value to be submitted each time according to a fixed time of the service project, in order to avoid interruption of submission due to forgetting to submit the resource value due to a work reason or other reasons, a submission plan may be customized after the service project is joined, and when a time node for submitting the resource value is reached, the value of the participating service resource may be automatically deducted from a resource account according to the plan, in one or more embodiments of this embodiment, a specific implementation manner is as follows:

if not, no processing is carried out;

In practical application, under the condition that the customization instruction is received, it is indicated that the user needs to perform a customized plan for a value of a participating service resource, plan time for the value of the participating service resource customized by the user is determined according to plan information carried in the customization instruction for the value of the participating service resource, and when it is detected that the current time reaches the plan time, it is indicated that the value of the participating service resource needs to be submitted for the service project, the service project can automatically deduct a resource value equal to the value of the participating service resource from the resource account.

In addition, the scheduling information may further include a participation service resource value customized for the service project by the user in each period, that is, when the scheduling time is reached, an equal resource value may be deducted from the resource account according to the participation service resource value customized by the user, so that the user can continuously participate in the service project without interrupting submission of the resource value.

For example, the plan customized in the process of the user participating in the endowment project is 1000 yuan per tuesday, the 1000 yuan is deducted from a bank card bound by the endowment project platform, and when the current time reaches tuesday per week, the endowment project automatically deducts 1000 yuan from the bank card to be used as the payment amount of the endowment project.

By providing the service of the customized plan for the user, the method and the device realize that the value of the participated business resource can be automatically submitted under the condition that the user forgets to submit the value of the participated business resource, avoid the condition of interrupting the submission of the value of the participated business resource, and effectively reduce the frequency of submitting the value of the participated business resource by the user aiming at the business project.

In the process of deducting the resource value through the resource account, the resource value may be deducted according to the priority of the resource storage account in the resource account, and in one or more embodiments of this embodiment, specific implementation manners are as follows:

In practical application, the resource storage account included in the resource account specifically refers to a sub-account for storing resource values in the resource account, for example, in a payment account, a sub-account with stored funds has a balance sub-account, an amount sub-account and a bank checkpost account; based on this, the deduction resource value priority of each resource storage account in the resource accounts is firstly determined, then the account with the highest deduction resource value priority and the resource value larger than the participation service resource value is selected as the target resource storage account, and the participation service resource value is deducted from the target resource storage account.

For example, there are fund account 1, fund account 2 and fund account 3 in the payment account, where the priority is that fund account 1 is greater than fund account 2 and greater than fund account 3, and there is 3258 yuan in fund account 1, 5888 yuan in fund account 2, 120000 yuan in fund account 3, and the amount of the user participating in the transaction item for payment is 4800 yuan, and by screening fund account 1, fund account 2 and fund account 3, it is determined that the account with the highest priority and the fund greater than the payment fund is fund account 2, and 4800 yuan of payment amount is deducted from fund account 2.

In the process of deducting the value of the participating service resource, in order to deduct the value of the participating service resource, the account with the highest priority and the resource value larger than the value of the participating service resource is selected as the target resource storage account to deduct the value of the participating service resource, so that the action of deducting the resource value can be realized under the condition of no user operation, and the convenience of submitting the resource value by a user and the efficiency of submitting the resource value are improved to a great extent.

In addition, on the basis of issuing the presentation information to the user side, the user may also participate in the service project for family, and in one or more embodiments of this embodiment, specific implementation manners are as follows:

In practical application, in a process that a user participates in a business project in a target user, target attribute information and a target participation resource value of the target user need to be submitted, where the target participation resource value is a resource value submitted by the user to participate in the business project in the target user, and in the process that the user participates in the business project in the target user, reference may be made to the description content related to the calculation of the target business resource value in the process of calculating the target resource value, which is not limited in this embodiment.

The resource calculation method of the business project provided by the specification determines the attribute information of the user according to the identification information carried in the query instruction under the condition of receiving the query instruction uploaded by the user terminal, queries the business resource parameter corresponding to the attribute information in the corresponding relation between the attribute information and the business resource parameter, calculates the target business resource value corresponding to the user based on the query resource carried in the query instruction, the business resource parameter and the attribute information, and finally issues the display information of the target business resource value corresponding to the query instruction to the user terminal through the query channel, calculates the target business resource value corresponding to the query resource value under the condition that the user submits any query resource value, and realizes the personalized processing in the process of the user participating in the business project, therefore, the trust and experience effects of the user on the service items are improved, the resource value is determined by the user definition, the limitation of the service items on the inflow resource value can be reduced, the personalized definition of the user on the inflow resource value is improved, the convenience brought to the user is effectively improved, and the loss rate of the user on the service items is reduced.

Fig. 4 is a flowchart illustrating another resource calculating method for a business project according to an embodiment of the present specification, which specifically includes the following steps:

step 402: receiving a query request submitted by a user for a business project through a query interface, wherein the query request carries a query resource value for the business project.

In one or more implementations of this embodiment, the receiving a query request submitted by a user for a business item through a query interface includes:

receiving the query request according to the query resource value input by the user through a resource value input box in the query interface; or receiving the query request according to the query resource value corresponding to the ending action of sliding the resource value control in the query interface by the user.

Referring to fig. 2, in a case that a user submits a query instruction, the user inputs a query resource value by directly inputting the query resource value through a resource value input box, or by inputting the query resource value through a resource value control in a sliding query interface, and in a process of sliding the query resource value, the user can obtain a resource value control issued by a pension (element) amount every month in the future in fig. 2.

Step 404: and uploading a query instruction to a server according to the query resource value, wherein the query instruction carries the query resource value and the identification information of the user.

Step 406: and receiving display information issued by the server and displaying the display information to the user, wherein the display information carries a target service resource value corresponding to the query resource value.

In one or more embodiments of this embodiment, after the receiving the display information delivered by the server and performing the displaying step for the user, the method further includes:

and receiving the adjustment reminding information returned by the server.

In one or more embodiments of this embodiment, in a case that the user successfully participates in the service item, after the receiving the display information sent by the server and performing the displaying step on the user, the method further includes:

uploading an exit request to the server according to the exit instruction;

and receiving quit reminding information issued by the server.

The relevant content of the resource calculation method for the service project related in this embodiment can refer to the same description content in the foregoing embodiments, and this embodiment is not described in detail herein.

The resource calculation method for another service project provided by the specification achieves personalized processing in a process that a user participates in the service project, so that the trust and experience effects of the user on the service project are improved, the resource value is determined by user definition, the limitation of the service project on the inflow resource value can be reduced, the personalized definition of the user on the inflow resource value is improved, the convenience brought to the user is effectively improved, and the loss rate of the user on the service project is reduced.

The resource calculation method of the business project provided in the present specification is further described below with reference to fig. 5, taking an application of the resource calculation method of the business project in an aging program as an example. Fig. 5 shows an interaction diagram of a resource calculation method applied to a business project in an aging program scene, which is provided in an embodiment of the present specification, and specifically includes the following steps:

step 502: and the user side receives an inquiry instruction submitted by the user, wherein the inquiry instruction carries the payment amount of the user.

Specifically, in the process of adding the user into the endowment project, the user needs to determine the receivable amount according to the payment amount, in the process, the user can input the payment amount at will to inquire the receivable amount, the payment amount participating in the endowment project is determined by the user in a self-defined mode, and the receivable amount displayed to the user also corresponds to the payment amount.

Step 504: and the user side sends a query request to the server side according to the query instruction, wherein the query request carries the payment amount and the user identification information.

Step 506: and the server determines the attribute information of the user according to the identification information.

Specifically, the attribute information of the user may include age information, gender information, occupation information, and the like of the user.

Step 508: and the server determines a calculation parameter for calculating the amount of money to be received according to the attribute information.

Step 510: and the server obtains the amount of money to be received through calculation according to the calculation parameters, the attribute information and the payment amount.

Step 512: and the server sends receiving display information for displaying the receiving amount to the user side, wherein the receiving display information carries the receiving amount.

Step 514: and the user side displays the receiving amount to the user according to the receiving display information issued by the server side.

Step 516: and the user side receives a joining instruction which is submitted by the user and is used for joining the endowment project.

Step 518: and the user side sends a joining request to the server side according to the joining instruction.

Step 520: and the server adds the user into the endowment project according to the adding request.

Step 522: the server deducts the payment amount from the payment account of the user.

Step 524: and the server side issues the reminding information of successful participation to the user side.

Step 526: and the user side displays a successful participation page for successfully participating in the endowment project to the user according to the reminding information issued by the server side.

Specifically, when the user successfully participates in the endowment project, the payment amount is deducted, the deducted payment amount can be deducted from the payment account, and a plurality of sub-accounts exist in the payment account, and when the payment amount is deducted, the payment amount can be deducted according to the payment priority of each sub-account.

According to the resource calculation method for the business project, under the condition that the user inputs the payment amount, the collection amount which can be collected by the user can be calculated according to the payment amount input by the user, the constraint strength of the endowment project on the payment amount of the user is reduced, in addition, the attribute information, the calculation parameters and the payment amount are combined in the process of calculating the collection amount, the collection amount which can be calculated along with the age change of the user is different, the purpose that under the condition that the endowment project cannot be lost, the collection amount which can be collected by the user is increased is achieved, and the experience effect of the user is further improved.

Corresponding to the above method embodiment, the present specification further provides an embodiment of a resource computing device for a business project, and fig. 6 illustrates a schematic structural diagram of a resource computing device for a business project provided in an embodiment of the present specification. As shown in fig. 6, the apparatus includes:

a query instruction receiving module 602 configured to receive a query instruction uploaded by a user side through a query channel of a service item, where the query instruction carries a query resource value for the service item and identification information of a user corresponding to the user side;

a service resource parameter determining module 604, configured to determine attribute information of the user according to the identification information, and determine a service resource parameter corresponding to the attribute information according to a corresponding relationship between the user attribute information and the service resource parameter, where the service resource parameter is used to calculate a service resource value of the user for a service project;

a calculate target business resource value module 606 configured to calculate a target business resource value corresponding to the user based on the query resource value, the business resource parameter, and the attribute information;

and an issuing presentation information module 608 configured to issue, to the user side, presentation information of the target service resource value corresponding to the query instruction through the query channel.

In an optional embodiment, in the case that the query resource value is an incoming resource value, the module 606 for calculating a target service resource value includes:

the first calculation unit is configured to calculate the time length to be participated in the service item by the user according to the attribute information and the service time information of the service item;

and the second calculation unit is configured to determine a first service resource value based on the duration to participate and the inflow resource value, calculate an outflow resource value of the service project for the user outflow through the first service resource value, the attribute information and the service resource parameter, and take the outflow resource value as the target service resource value.

In an optional embodiment, in the case that the query resource value is an outgoing resource value, the module 606 for calculating a target service resource value includes:

the third calculating unit is configured to calculate the time length to be participated in the service item by the user according to the attribute information and the service time information of the service item;

and the fourth calculating unit is configured to determine a second service resource value according to the duration to be participated and the outgoing resource value, calculate an incoming resource value, which is flowed by the user for the service item, according to the second service resource value, the attribute information and the service resource parameter, and take the incoming resource value as the target service resource value.

In an optional embodiment, the module 604 for determining the service resource parameter includes:

a determination information unit configured to determine occupational information, gender information, and age information of the user according to the attribute information;

an age resource parameter query unit configured to query an age resource parameter corresponding to the age information in a correspondence between the user attribute information and a service resource parameter;

and a service resource parameter determining unit configured to determine a professional weight corresponding to the professional information and a gender weight corresponding to the gender information, and determine the service resource parameter according to the professional weight, the gender weight and the age resource parameter.

In an optional embodiment, the issuing display information module 608 includes:

a total outflow resource value calculating unit configured to calculate a total outflow resource value of the service item flowing out for the user according to the target service resource value and the item information of the service item;

a service period calculating unit configured to calculate a service period of the user participating in the service project through the attribute information;

and the issuing display information unit is configured to integrate the total output resource value, the service period and the target service resource value into the display information and issue the display information to the user side through the query channel.

In an optional embodiment, the resource calculating apparatus for the business project further includes:

a receiving completion request module configured to receive a completion request uploaded by the user side through a resource task channel of the service project, where the completion request carries a completion credential corresponding to a resource task of the service project;

the reward clause determining module is configured to determine reward clauses for completing the resource task under the condition that the completion certificate is detected and the user is determined to complete the resource task according to the detection result;

and the resource value adjusting module is configured to adjust the total flow resource value based on the reward clause and send adjustment reminding information corresponding to an adjustment result to the user side.

In an optional embodiment, in a case that the user successfully participates in the business project, the resource computing apparatus of the business project further includes:

a quit request receiving module configured to receive a quit request uploaded by the user side for the user to quit the service item;

the judgment duration module is configured to determine the adding duration of the user for adding the service item according to the quitting request and judge whether the adding duration is greater than a preset duration threshold value;

if so, operating a first returning module;

the first refund module is configured to determine a first incoming service resource value, which is flowed by the user for the service project within the joining time length, calculate the first incoming service resource value according to a preset withdrawal rate of the service project and the joining time length, and refund the first refund resource value to the user according to a calculation result;

if not, operating a second returning module;

the second refund module is configured to determine a second incoming service resource value, flowing into the user for the service item within the joining duration, and refund the second refund resource value to the user according to the second incoming service resource value.

a participation instruction receiving module configured to receive a participation instruction uploaded by the user side through a participation channel of the business project, where the participation instruction carries a participation business resource value of the user participating in the business project;

a module for calculating and allocating service resource values, configured to calculate the allocated service resource values corresponding to the users according to the participating service resource values, the service resource parameters and the attribute information;

a resource account determining module configured to issue successful participation display information of the allocated service resource value corresponding to the participation instruction to the user side through the participation channel under the condition that the user successfully participates in the service project, and determine a resource account of the user according to the identification information;

a first deduction module configured to deduct a resource value in the resource account that is the same as the participating traffic resource value.

a customized instruction receiving module configured to receive a customized instruction submitted by the user side through a custom plan channel of the service project, where the customized instruction carries plan information of the user for the value of the participating service resource;

a detection time module configured to determine a scheduled time customized for the participating business resource value by the user according to the scheduling information, and detect whether a current time is consistent with the scheduled time;

if yes, operating a second deduction module;

the second deduction module is configured to deduct a resource value identical to the participating service resource value from the resource account.

In an optional embodiment, the first subtracting module or the second subtracting module includes:

a priority determination unit configured to determine a deduction resource value priority of a resource storage account contained in the resource account;

a target account determining unit configured to select a resource storage account with the highest priority of deducting resource values and resource values greater than or equal to the participating service resource value from the resource storage account to determine as a target resource storage account;

a deduction resource value unit configured to deduct the value of participating traffic resources in the target resource storage account.

the uploading instruction receiving module is configured to receive an uploading instruction submitted by the user side through an uploading information channel of the service project, wherein the uploading instruction carries target attribute information of a target user and a target participating resource value;

a target service resource parameter determining module configured to determine a target service resource parameter corresponding to the target attribute information according to a corresponding relationship between the user attribute information and a service resource parameter;

a target resource value calculating module configured to calculate a target resource value corresponding to the target user based on the target service resource parameter, the target attribute information, and the target participating resource value;

and the target exhibition information issuing module is configured to issue target exhibition information of the target resource value corresponding to the uploading instruction to the user side through the uploading information channel, and deduct a resource value which is the same as the target participation resource value from a target resource account of the user.

The resource calculating device for a service item provided by this specification determines attribute information of a user according to identification information carried in a query instruction when the query instruction uploaded by a user terminal is received, queries a service resource parameter corresponding to the attribute information in a corresponding relationship between the attribute information and the service resource parameter, calculates a target service resource value corresponding to the user based on a query resource carried in the query instruction, the service resource parameter and the attribute information, and finally issues presentation information of the target service resource value corresponding to the query instruction to the user terminal through the query channel, calculates the target service resource value corresponding to the query resource value when the user submits any query resource value, thereby realizing personalized processing in a process of the user participating in the service item, therefore, the trust and experience effects of the user on the service items are improved, the resource value is determined by the user definition, the limitation of the service items on the inflow resource value can be reduced, the personalized definition of the user on the inflow resource value is improved, the convenience brought to the user is effectively improved, and the loss rate of the user on the service items is reduced.

The above is a schematic scheme of a resource calculating apparatus for a business project according to this embodiment. It should be noted that the technical solution of the resource calculating apparatus of the business project belongs to the same concept as the technical solution of the resource calculating method of the business project, and details that are not described in detail in the technical solution of the resource calculating apparatus of the business project can be referred to the description of the technical solution of the resource calculating method of the business project.

Corresponding to the above method embodiment, the present specification further provides another resource computing device embodiment of a business project, and fig. 7 shows a schematic structural diagram of another resource computing device of a business project provided in an embodiment of the present specification. As shown in fig. 7, the apparatus includes:

a query request receiving module 702, configured to receive a query request submitted by a user for a business item through a query interface, where the query request carries a query resource value for the business item;

an upload query instruction module 704 configured to upload a query instruction to a server according to the query resource value, where the query instruction carries the query resource value and the identification information of the user;

a display information receiving module 706 configured to receive display information issued by the server and display the display information to the user, where the display information carries a target service resource value corresponding to the query resource value.

In an optional embodiment, the receive query request module 702 is further configured to:

alternatively, the first and second electrodes may be,

a completion instruction receiving module configured to receive a completion instruction submitted by the user through a resource task interface, where the completion instruction carries a completion credential corresponding to a resource task for the service project;

the uploading completion request module is configured to upload a completion request carrying the completion voucher to the server according to the completion voucher;

and the adjusting reminding information receiving module is configured to receive the adjusting reminding information returned by the server.

a quit instruction receiving module configured to receive a quit instruction submitted by the user to quit the business item;

the uploading quit request module is configured to upload a quit request to the server according to the quit instruction;

and the quit reminding information receiving module is configured to receive quit reminding information issued by the server.

a participation request receiving module configured to receive a participation request submitted by the user through a participation interface, where the participation request carries a participation service resource value of the user participating in the service project;

the uploading participation instruction module is configured to upload a participation instruction to the server according to the participation service resource value;

and the successful participation display information receiving module is configured to receive successful participation display information issued by the server and display the successful participation display information to the user, wherein the successful participation display information carries an allocation service resource value corresponding to the participation service resource value.

The resource calculation device for another service project provided by the present specification realizes that personalized processing can be performed on a user participating in a service project, so as to improve the trust and experience effect of the user on the service project, and the resource value is determined by user definition, which can reduce the limitation of the service project on the inflow resource value, improve the personalized definition of the user on the inflow resource value, effectively improve the convenience for the user, and reduce the loss rate of the user on the service project.

The above is a schematic scheme of a resource calculating device of another business project of the present embodiment. It should be noted that the technical solution of the resource calculating apparatus of the business project belongs to the same concept as the technical solution of the resource calculating method of the another business project, and details that are not described in detail in the technical solution of the resource calculating apparatus of the business project can be referred to the description of the technical solution of the resource calculating method of the another business project.

FIG. 8 illustrates a block diagram of another computing device 800 provided in accordance with an embodiment of the present description. The components of the computing device 800 include, but are not limited to, memory 810 and a processor 820. The processor 820 is coupled to the memory 810 via a bus 830, and the database 850 is used to store data.

Computing device 800 also includes access device 840, access device 840 enabling computing device 800 to communicate via one or more networks 860. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 840 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 800, as well as other components not shown in FIG. 8, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 8 is for purposes of example only and is not limiting as to the scope of the description. Those skilled in the art may add or replace other components as desired.

Computing device 800 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), a mobile phone (e.g., smartphone), a wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 800 may also be a mobile or stationary server.

Wherein, the processor 820 is configured to execute the following computer-executable instructions:

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the resource computing method for the business project belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the resource computing method for the business project.

FIG. 9 illustrates a block diagram of another computing device 900 provided in accordance with an embodiment of the present description. Components of the computing device 900 include, but are not limited to, a memory 910 and a processor 920. The processor 920 is coupled to the memory 910 via a bus 930, and a database 950 is used to store data.

Computing device 900 also includes access device 940, access device 940 enabling computing device 900 to communicate via one or more networks 960. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. Access device 940 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 900, as well as other components not shown in FIG. 9, may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 9 is for purposes of example only and is not limiting as to the scope of the description. Those skilled in the art may add or replace other components as desired.

Computing device 900 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), a mobile phone (e.g., smartphone), a wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 900 may also be a mobile or stationary server.

Wherein, the processor 920 is configured to execute the following computer-executable instructions:

The above is an illustrative scheme of another computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the resource computing method for another service project belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the resource computing method for another service project.

An embodiment of the present specification also provides a computer readable storage medium storing computer instructions that, when executed by a processor, are operable to:

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium belongs to the same concept as the technical solution of the resource calculation method for the business project, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the resource calculation method for the business project.

An embodiment of the present specification also provides another computer-readable storage medium storing computer instructions that, when executed by a processor, are operable to:

The above is an illustrative scheme of another computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the resource calculation method for another service project belong to the same concept, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the resource calculation method for another service project.

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

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

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts or combinations, but those skilled in the art should understand that the present disclosure is not limited by the described order of acts, as some steps may be performed in other orders or simultaneously according to the present disclosure. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for this description.

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

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

Claims

1. A resource calculation method for a business project comprises the following steps:

2. The method of claim 1, wherein in the case that the query resource value is an incoming resource value, the calculating a target service resource value corresponding to the user based on the query resource value, the service resource parameter and the attribute information comprises:

3. The method of claim 1, wherein in the case that the query resource value is an outgoing resource value, the calculating a target service resource value corresponding to the user based on the query resource value, the service resource parameter, and the attribute information comprises:

4. The method for resource calculation of a business project according to claim 1, wherein the determining the business resource parameter corresponding to the attribute information through the corresponding relationship between the user attribute information and the business resource parameter comprises:

5. The method for calculating resources of a business project according to claim 1, wherein the issuing presentation information of the target business resource value corresponding to the query instruction to the user side through the query channel includes:

6. The method for resource calculation of service items according to claim 5, after the step of issuing the display information of the target service resource value corresponding to the query instruction to the user side through the query channel is executed, further comprising:

7. The method for resource calculation of a service item according to claim 1, wherein when the user successfully participates in the service item, after the step of issuing the display information of the target service resource value corresponding to the query instruction to the user side through the query channel is executed, the method further comprises:

8. The method for calculating resources of a business project according to claim 1, after the step of issuing the display information of the target business resource value corresponding to the query instruction to the user side through the query channel is executed, the method further comprising:

9. The resource calculation method for business projects according to claim 8, after the step of deducting the resource value identical to the allocated business resource value from the resource account is executed, further comprising:

10. The resource calculation method for business projects according to claim 8 or 9, wherein deducting the resource value identical to the participating business resource value from the resource account comprises:

11. The method for calculating resources of a business project according to claim 1, after the step of issuing the display information of the target business resource value corresponding to the query instruction to the user side through the query channel is executed, the method further comprising:

12. A resource calculation method for a business project comprises the following steps:

13. The resource calculation method for business items according to claim 12, wherein the receiving of the query request submitted by the user for the business item through the query interface comprises:

alternatively, the first and second electrodes may be,

14. The resource calculation method for business projects according to claim 12, after the steps of receiving the display information delivered by the server and displaying the display information to the user are executed, further comprising:

and receiving the adjustment reminding information returned by the server.

15. The method for resource calculation of a business project according to claim 12, wherein when the user successfully participates in the business project, after the steps of receiving the display information delivered by the server and displaying the display information to the user are executed, the method further comprises:

uploading an exit request to the server according to the exit instruction;

and receiving quit reminding information issued by the server.

16. The resource calculation method for business projects according to claim 12, after the steps of receiving the display information delivered by the server and displaying the display information to the user are executed, further comprising:

17. A resource computing device for a business project, comprising:

18. A resource computing device for a business project, comprising:

19. A computing device, comprising:

a memory and a processor;

20. A computing device, comprising:

a memory and a processor;

21. A computer readable storage medium storing computer instructions which, when executed by a processor, implement the steps of the resource calculation method of a business item of any one of claims 1 to 11.

22. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the resource calculation method of a business item of any one of claims 12 to 16.