CN111383098A - Resource distribution method and device - Google Patents
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- CN111383098A CN111383098A CN202010219234.0A CN202010219234A CN111383098A CN 111383098 A CN111383098 A CN 111383098A CN 202010219234 A CN202010219234 A CN 202010219234A CN 111383098 A CN111383098 A CN 111383098A
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Abstract
The invention discloses a resource distribution method and device, and relates to the technical field of computers. One embodiment of the method comprises: configuring a first user basis parameter in response to a request of a first user; issuing credit financing to the first user account based on the credit agreement signed in by the first user; receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user; receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan; and receiving a thawing application of the second user, and issuing the money indicated by the financing loan to corresponding worker accounts according to the money indicated by the resource list of each worker. The implementation mode can guarantee that all financing money is issued to the worker account, and the accuracy rate of issuing the financing loan is improved.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a resource distribution method and apparatus.
Background
At the present time, the wages of delinquent workers (especially the agronomy workers) are becoming more common in the construction field, thereby causing a series of problems. How to solve the problem of good worker salary delinquent is an important subject for building a harmonious society.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
the prior resource issuing method directly issues financing money to a labor company account, the financing money is automatically issued to workers by the labor company, a bank cannot supervise the financing money, and the problem of overtime or reduction of resource issuing exists.
Disclosure of Invention
In view of this, embodiments of the present invention provide a resource issuing method and device, which can monitor financing loans issued to user accounts, ensure that all financing money is issued to worker accounts, and improve accuracy of issuing financing loans.
In order to achieve the above object, according to a first aspect of the embodiments of the present invention, there is provided a resource issuing method, including:
configuring a first user basis parameter in response to a request of a first user;
issuing credit financing to the first user account based on the credit agreement signed in by the first user;
receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user;
receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan;
and receiving a thawing application of the second user, and issuing the money indicated by the financing loan to corresponding worker accounts according to the money indicated by the resource list of each worker.
Further, the first user basis parameters include one or more of the following: interest rate parameters, financing size, and pay-per-view mode.
Further, the step of issuing credit financing to the first user account based on the credit agreement signed in by the first user comprises: and receiving a credit agreement signed by the first user, approving the credit agreement, and issuing credit financing to the first user account under the condition that the credit agreement approval is passed.
Further, receiving a registration request of a second user corresponding to the first user, the credit authorization of the second user comprising: and controlling the second user to determine the corresponding first user and initiate registration, carrying out credit approval on the second user, and carrying out credit authorization on the second user under the condition that the credit approval is passed.
Further, the step of receiving the resource list of each worker uploaded by the first user and issuing financing loan to the second user account corresponding to the first user comprises the following steps: and receiving the resource list of each worker uploaded by the first user, arranging the resource list of each worker to obtain a total resource amount, and issuing financing loan to a second user account corresponding to the first user according to the total resource amount, wherein the amount indicated by the financing loan is consistent with the amount indicated by the total resource amount.
Further, after the step of sorting the resource lists of the workers to obtain the total amount of the resources, the resource issuing method further includes: and checking the total amount of the resources according to the resource list of each worker, and determining that the total amount of the resources passes the checking.
Further, financing loans issued to a second user account corresponding to the first user are funded from credit financing of the first user account.
Further, before the step of receiving the thawing request of the second user, the resource issuing method includes: and controlling a second user to obtain the freezing number, wherein the unfreezing application is initiated based on the freezing number.
Further, the resource list of each worker uploaded by the first user is determined according to the working time of each worker by the first user.
According to a second aspect of the embodiments of the present invention, there is provided a resource issuing apparatus, including:
the parameter configuration module is used for responding to the request of the first user and configuring the basic parameters of the first user;
a credit financing module for issuing credit financing to the first user account based on a credit agreement signed by the first user;
the credit authorization module is used for receiving a registration request of a second user corresponding to the first user and carrying out credit authorization on the second user;
the financing loan issuing module is used for receiving the resource lists of the workers uploaded by the first user, issuing financing loans to a second user account of the first user and freezing the financing loans;
and the resource issuing module is used for receiving the unfreezing application of the second user and issuing the money indicated by the financing loan to the corresponding worker account according to the money indicated by the resource list of each worker.
According to a third aspect of embodiments of the present invention, there is provided an electronic apparatus, including:
one or more processors;
a storage device for storing one or more programs,
when executed by one or more processors, cause the one or more processors to implement any of the resource allocation methods described above.
According to a fourth aspect of embodiments of the present invention, there is provided a computer-readable medium on which is stored a computer program which, when executed by a processor, implements any of the resource issuing methods described above.
One embodiment of the above invention has the following advantages or benefits: because the first user basic parameters are configured in response to the request of the first user; issuing credit financing to the first user account based on the credit agreement signed in by the first user; receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user; receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan; the technical means of receiving the unfreezing application of the second user and issuing the amount of money indicated by the financing loan to the corresponding worker account according to the amount of money indicated by the resource list of each worker is adopted, so that the technical problem that in the prior art, as a bank cannot supervise the financing fund, the resource issuing is overtime or reduced is solved, and the technical effects of ensuring that the financing fund is completely issued to the worker account and improving the accuracy rate of issuing the financing loan are achieved.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a resource issuing method according to a first embodiment of the present invention;
fig. 2 is a schematic diagram of a main flow of a resource issuing method according to a second embodiment of the present invention;
fig. 3 is a schematic diagram of main modules of a resource issuing apparatus provided according to an embodiment of the present invention;
FIG. 4 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of a main flow of a resource issuing method according to a first embodiment of the present invention; as shown in fig. 1, the resource distribution method provided in the embodiment of the present invention mainly includes:
step S101, responding to the request of the first user, configuring the basic parameters of the first user.
When each first user enters the bank system, corresponding basic parameters need to be configured so as to facilitate the automatic calling of the subsequent financing and paying process. According to a specific implementation manner of the embodiment of the present invention, the first user is a core enterprise (an enterprise having a strong speaking right for the industry, a capability of controlling upstream and downstream of the industry, and a relatively large amount of capital occupation for the upstream and downstream of the industry) in the supply chain link.
According to an embodiment of the present invention, the first user basic parameter includes one or more of the following: interest rate parameters, financing size, and pay-per-view mode.
Specifically, according to a specific implementation manner of the embodiment of the present invention, the first user basic parameters further include a collaborating company switch (used to control whether the corresponding business of the first user is allowed to be developed), a splitting manner (a manner in which a second user (a labor company, at least one labor company corresponds to each core enterprise) corresponding to the first user is split to a bank administrator after registration, including automatic splitting and manual splitting), a supporting manner (indicating whether financing loan is supported one by one or according to a total amount of resources), and the like.
Step S102, credit financing is issued to the first user account based on the credit agreement signed by the first user.
The first user signs an enterprise online bank and citizen-benefiting business related agreement with the bank, and the bank generates a credit agreement (credit contract, which refers to a money loan agreement that the bank serves as a loan and associates with citizens or legal persons) after the related agreement is approved and approved.
According to an embodiment of the present invention, the step of issuing credit financing to the first user account based on the credit agreement signed in by the first user comprises: and receiving a credit agreement signed by the first user, approving the credit agreement, and issuing credit financing to the first user account under the condition that the credit agreement approval is passed.
Step S103, receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user.
According to an embodiment of the present invention, the step of receiving a registration request of a second user corresponding to the first user and performing credit authorization on the second user includes: and receiving a registration request of a second user corresponding to the first user, carrying out credit approval on the second user, and carrying out credit authorization on the second user under the condition that the credit approval is passed.
Specifically, according to the embodiment of the present invention, the second user selects the served first user through the bank website to perform registration, the registration information is transferred to the back end of the bank system to split the second user into the bank specialized organization and the corresponding operator according to the splitting mode indicated by the basic parameter of the first user, the operator at the back end of the bank system performs credit approval on the second user through investigation on the status of the second user according to the received registration information, and specifically, internal rating and credit authorization can be performed on the credit status of the second user through the bank system.
And step S104, receiving the resource lists of the workers uploaded by the first user, issuing financing loans to a second user account corresponding to the first user, and freezing the financing loans.
Specifically, the bank issues the financing loan to a second user-specified account according to the total amount of the resources and freezes the financing loan at the first time.
Specifically, according to the embodiment of the present invention, the resource list of each worker uploaded by the first user is determined according to the working time of each worker by the first user. According to a specific implementation manner of the embodiment of the invention, the first user can automatically calculate the resource list of the workers in the current month according to the work attendance and work attendance card punching conditions of the workers.
According to an embodiment of the invention, financing loans issued to a second user account corresponding to the first user are funded from credit financing of the first user account.
Further, according to the embodiment of the present invention, the step of receiving the resource list of each worker uploaded by the first user and issuing a financing loan to the second user account corresponding to the first user includes: and receiving the resource list of each worker uploaded by the first user, arranging the resource list of each worker to obtain a total resource amount, and issuing financing loan to a second user account corresponding to the first user according to the total resource amount, wherein the amount indicated by the financing loan is consistent with the amount indicated by the total resource amount.
According to the embodiment of the invention, after the step of sorting the resource lists of each worker to obtain the total amount of the resources, the resource issuing method further comprises the following steps: and checking the total amount of the resources according to the resource list of each worker, and determining that the total amount of the resources passes the checking.
And step S105, receiving the unfreezing application of the second user, and sending the money indicated by the financing loan to the corresponding worker account according to the money indicated by the resource list of each worker.
According to the embodiment of the invention, before the step of receiving the unfreezing application of the second user, the resource issuing method comprises the following steps: and controlling a second user to obtain the freezing number, wherein the unfreezing application is initiated based on the freezing number.
According to the technical scheme of the embodiment of the invention, the basic parameters of the first user are configured by responding to the request of the first user; issuing credit financing to the first user account based on the credit agreement signed in by the first user; receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user; receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan; the technical means of receiving the unfreezing application of the second user and issuing the amount of money indicated by the financing loan to the corresponding worker account according to the amount of money indicated by the resource list of each worker is adopted, so that the technical problem that in the prior art, because a bank cannot supervise the financing fund, the worker resource issuing is overtime or reduced is solved, and the technical effects of ensuring that the financing fund is completely issued to the worker account and improving the accuracy rate of issuing the financing loan are achieved.
Fig. 2 is a schematic diagram of a main flow of a resource issuing method according to a second embodiment of the present invention; as shown in fig. 2, an application scenario of the embodiment of the present invention is as follows: labor companies under core enterprises issue wages to workers through financing, and the method mainly comprises the following steps:
step S201, in response to the request of the core enterprise, configuring the core enterprise basic parameters.
When each core enterprise enters the bank system, corresponding basic parameters are required to be configured so as to facilitate the automatic calling of the subsequent financing and paying process.
According to an embodiment of the present invention, the core enterprise basic parameters include one or more of the following: interest rate parameters, financing size, and pay-per-view mode.
Specifically, according to a specific implementation manner of the embodiment of the present invention, the core enterprise basic parameters further include a partner switch (for controlling whether the corresponding business of the core enterprise is allowed to be developed), a splitting manner (a manner in which the corresponding labor company of the core enterprise is split to the bank handling organization after being registered, including automatic splitting and manual splitting), a supporting manner (indicating whether financing loan is supported one by one or according to the total payroll), and the like, and specifically, refer to the following table:
step S202, receiving a credit contract signed by a core enterprise, examining and approving the credit contract, and issuing credit financing to a core enterprise account under the condition that the credit contract examination and approval is passed.
The core enterprise signs the related agreement of enterprise online banking and the people-benefiting business with the bank, and the bank generates a credit contract after the related agreement is approved and approved.
And step S203, receiving a registration request of a labor company corresponding to the core enterprise, performing credit approval on the labor company, and performing credit authorization on the labor company under the condition that the credit approval is passed.
Specifically, according to the embodiment of the invention, the labor company selects the served core enterprise to register the registration by the bank website, the registration information is transferred to the back end of the bank system to split the labor company to the bank specialized organization and the corresponding officer according to the splitting mode indicated by the basic parameters of the core enterprise, the officer at the back end of the bank system performs credit approval on the labor company by investigating the condition of the labor company according to the received registration information, and specifically, internal rating and credit authorization can be performed on the credit condition of the labor company through the bank system.
And step S204, receiving the payroll lists of the workers uploaded by the core enterprise, and sorting the payroll lists of the workers to obtain the total payroll.
Specifically, the bank issues financing loan to the designated account of the labor company according to the total amount of the wages and freezes the financing loan at the first time.
Specifically, according to the embodiment of the present invention, the payroll list of each worker uploaded by the core enterprise is determined according to the working hours of each worker by the core enterprise. According to a specific implementation manner of the embodiment of the invention, the core enterprise can automatically calculate the work wage list of the worker in the month according to the work attendance and work attendance card punching conditions of the worker.
And S205, checking the total payroll according to the payroll clearance of each worker, and determining that the total payroll check is passed.
And step S206, issuing financing loan to the corresponding labor company account of the core enterprise according to the total payroll, and freezing the financing loan.
Specifically, the bank issues financing loan to the designated account of the labor company according to the total amount of the wages and freezes the financing loan at the first time. The indicated amount of the financing loan is consistent with the indicated amount value of the total payroll.
According to the embodiment of the invention, the financing loan issued to the corresponding labor company account of the core enterprise is allocated from the credit financing of the core enterprise account. The bank automatically deducts the money in the credit financing of the core enterprise when the financing loan of the labor company is due, and the risk of the debt of the construction project money of the labor company is further reduced.
And step S207, receiving unfreezing applications of the labor companies, and issuing the amount indicated by the financing loan to corresponding worker accounts according to the amount indicated by the payroll list of each worker.
According to the embodiment of the invention, before the step of receiving the unfreezing application of the labor company, the salary issuing method comprises the following steps: and controlling a labor company to obtain the freezing number, wherein the unfreezing application is initiated based on the freezing number.
According to the technical scheme of the embodiment of the invention, the basic parameters of the first user are configured by responding to the request of the first user; issuing credit financing to the first user account based on the credit agreement signed in by the first user; receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user; receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan; the technical means of receiving the unfreezing application of the second user and issuing the amount of money indicated by the financing loan to the corresponding worker account according to the amount of money indicated by the resource list of each worker is adopted, so that the technical problem that in the prior art, because a bank cannot supervise the financing fund, the worker resource issuing is overtime or reduced is solved, and the technical effects of ensuring that the financing fund is completely issued to the worker account and improving the accuracy rate of issuing the financing loan are achieved.
Fig. 3 is a schematic diagram of main modules of a resource issuing apparatus provided according to an embodiment of the present invention; as shown in fig. 3, the resource issuing apparatus 300 according to the embodiment of the present invention mainly includes:
a parameter configuration module 301, configured to configure a first user basic parameter in response to a request of a first user.
When each first user enters the bank system, corresponding basic parameters need to be configured so as to facilitate the automatic calling of the subsequent financing and paying process.
According to an embodiment of the present invention, the first user basic parameter includes one or more of the following: interest rate parameters, financing size, and pay-per-view mode.
Specifically, according to a specific implementation manner of the embodiment of the present invention, the first user basic parameters further include a collaboration company switch (used to control whether the corresponding business of the first user is allowed to be developed), a splitting manner (a manner in which a second user corresponding to the first user is split to a bank handling organization after registering, including automatic splitting and manual splitting), a supporting manner (indicating whether financing loan is supported one by one or according to a total amount of resources), and the like.
The first user signs the related agreement of enterprise online banking and the people-benefit business with the bank, and the bank generates a credit agreement after the related agreement is approved.
According to an embodiment of the present invention, the credit financing module 302 is further configured to: and receiving a credit agreement signed by the first user, approving the credit agreement, and issuing credit financing to the first user account under the condition that the credit agreement approval is passed.
And the credit authorization module 303 is configured to control the second user to determine a corresponding first user, initiate registration, and perform credit authorization on the second user.
According to an embodiment of the present invention, the credit authorization module 303 is further configured to: and controlling the second user to determine the corresponding first user and initiate registration, carrying out credit approval on the second user, and carrying out credit authorization on the second user under the condition that the credit approval is passed.
Specifically, according to the embodiment of the present invention, the second user selects the served first user through the bank website to perform registration, the registration information is transferred to the back end of the bank system to split the second user into the bank specialized organization and the corresponding operator according to the splitting mode indicated by the basic parameter of the first user, the operator at the back end of the bank system performs credit approval on the second user through investigation on the status of the second user according to the received registration information, and specifically, internal rating and credit authorization can be performed on the credit status of the second user through the bank system.
The financing loan issuing module 304 is configured to receive the resource lists of the workers uploaded by the first user, issue financing loans to a second user account of the first user, and freeze the financing loans.
Specifically, the bank issues the financing loan to a second user-specified account according to the total amount of the resources and freezes the financing loan at the first time.
Specifically, according to the embodiment of the present invention, the resource list of each worker uploaded by the first user is determined according to the working time of each worker by the first user. According to a specific implementation manner of the embodiment of the invention, the first user can automatically calculate the resource list of the workers in the current month according to the work attendance and work attendance card punching conditions of the workers.
According to an embodiment of the invention, financing loans issued to a second user account corresponding to the first user are funded from credit financing of the first user account.
Further, according to the embodiment of the present invention, the financing loan issuance module 304 is further configured to: and receiving the resource list of each worker uploaded by the first user, arranging the resource list of each worker to obtain a total resource amount, and issuing financing loan to a second user account corresponding to the first user according to the total resource amount, wherein the amount indicated by the financing loan is consistent with the amount indicated by the total resource amount.
According to the embodiment of the present invention, the resource issuing apparatus 300 further includes a resource total amount checking module, and after the step of sorting the resource list of each worker to obtain the resource total amount, the resource total amount checking module is configured to check the resource total amount according to the resource list of each worker, and determine that the resource total amount check is passed.
And the resource issuing module 305 is configured to receive the thawing application of the second user, and issue the amount indicated by the financing loan to the corresponding worker account according to the amount indicated by the resource list of each worker.
According to the embodiment of the present invention, the resource issuing apparatus 300 further includes a frozen number obtaining module, and before the step of receiving the thawing application of the second user, the frozen number obtaining module is configured to control the second user to obtain the frozen number, where the thawing application is initiated based on the frozen number.
According to the technical scheme of the embodiment of the invention, the basic parameters of the first user are configured by responding to the request of the first user; issuing credit financing to the first user account based on the credit agreement signed in by the first user; receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user; receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan; the technical means of receiving the unfreezing application of the second user and issuing the amount of money indicated by the financing loan to the corresponding worker account according to the amount of money indicated by the resource list of each worker is adopted, so that the technical problem that in the prior art, because a bank cannot supervise the financing fund, the worker resource issuing is overtime or reduced is solved, and the technical effects of ensuring that the financing fund is completely issued to the worker account and improving the accuracy rate of issuing the financing loan are achieved.
Fig. 4 shows an exemplary system architecture 400 of a resource issuing method or apparatus to which embodiments of the present invention may be applied.
As shown in fig. 4, the system architecture 400 may include terminal devices 401, 402, 403, a network 404, and a server 405 (this architecture is merely an example, and the components included in a particular architecture may be adapted according to application specific circumstances). The network 404 serves as a medium for providing communication links between the terminal devices 401, 402, 403 and the server 405. Network 404 may include various types of connections, such as wire, wireless communication links, or fiber optic cables, to name a few.
A user may use terminal devices 401, 402, 403 to interact with a server 405 over a network 404 to receive or send messages or the like. The terminal devices 401, 402, 403 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 401, 402, 403 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 405 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 401, 402, 403. The background management server may analyze and/or otherwise process the received first user's request, credit agreement, resource inventory, and/or the like, and feed back the processing results (e.g., credit financing, credit authorization, to name a few) to the terminal device.
It should be noted that the resource issuing method provided in the embodiment of the present invention is generally executed by the server 405, and accordingly, the resource issuing apparatus is generally disposed in the server 405.
It should be understood that the number of terminal devices, networks, and servers in fig. 4 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU)501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM 503, various programs and data necessary for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.
The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a parameter configuration module, a credit financing module, a credit authorization module, a financing loan issuance module, and a resource issuance module. Where the names of these modules do not in some cases constitute a limitation on the modules themselves, for example, a parameter configuration module may also be described as a "module for configuring a first user base parameter in response to a request by a first user".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: configuring a first user basis parameter in response to a request of a first user; issuing credit financing to the first user account based on the credit agreement signed in by the first user; receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user; receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan; and receiving a thawing application of the second user, and issuing the money indicated by the financing loan to corresponding worker accounts according to the money indicated by the resource list of each worker.
According to the technical scheme of the embodiment of the invention, the basic parameters of the first user are configured by responding to the request of the first user; issuing credit financing to the first user account based on the credit agreement signed in by the first user; receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user; receiving a resource list of each worker uploaded by a first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan; the technical means of receiving the unfreezing application of the second user and issuing the amount of money indicated by the financing loan to the corresponding worker account according to the amount of money indicated by the resource list of each worker is adopted, so that the technical problem that in the prior art, because a bank cannot supervise the financing fund, the worker resource issuing is overtime or reduced is solved, and the technical effects of ensuring that the financing fund is completely issued to the worker account and improving the accuracy rate of issuing the financing loan are achieved.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (12)
1. A method for resource distribution, comprising:
configuring a first user basis parameter in response to a request of a first user;
issuing credit financing to a first user account based on a credit agreement signed in by the first user;
receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user;
receiving a resource list of each worker uploaded by the first user, issuing financing loan to a second user account corresponding to the first user, and freezing the financing loan;
and receiving the unfreezing application of the second user, and issuing the money indicated by the financing loan to corresponding worker accounts according to the money indicated by the resource list of each worker.
2. The resource distribution method according to claim 1, wherein the first user base parameter comprises one or more of the following: interest rate parameters, financing size, and pay-per-view mode.
3. The resource issuance method according to claim 1, wherein the step of issuing credit financing to the first user account based on the credit agreement signed by the first user comprises: and receiving a credit agreement signed by the first user, examining and approving the credit agreement, and issuing credit financing to the first user account under the condition that the credit agreement examination and approval is passed.
4. The resource issuance method according to claim 1, wherein the step of receiving a registration request of a second user corresponding to the first user, and performing credit authorization on the second user comprises: and receiving a registration request of a second user corresponding to the first user, carrying out credit approval on the second user, and carrying out credit authorization on the second user under the condition that the credit approval is passed.
5. The resource issuing method according to claim 1, wherein the step of receiving the resource list of each worker uploaded by the first user and issuing financing loan to the second user account corresponding to the first user comprises: and receiving the resource list of each worker uploaded by the first user, sorting the resource list of each worker to obtain a total resource amount, and issuing financing loan to a second user account corresponding to the first user according to the total resource amount, wherein the amount indicated by the financing loan is consistent with the amount indicated by the total resource amount.
6. The resource issuing method according to claim 5, wherein after the step of sorting the resource list of each worker to obtain the total amount of the resource, the resource issuing method further comprises: and checking the total amount of the resources according to the resource list of each worker, and determining that the total amount of the resources passes the checking.
7. The resource issuance method according to claim 1, wherein the financing loan issued to the second user account corresponding to the first user is made by credit financing of the first user account.
8. The resource issuing method according to claim 1, wherein, before the step of receiving the defrosting application of the second user, the resource issuing method includes: and controlling the second user to obtain a freezing number, wherein the unfreezing application is initiated based on the freezing number.
9. The resource issuing method according to claim 1, wherein the resource list of each worker uploaded by the first user is determined according to a working time of each worker by the first user.
10. A resource issuing apparatus, comprising:
the parameter configuration module is used for responding to the request of the first user and configuring the basic parameters of the first user;
a credit financing module for issuing credit financing to a first user account based on a credit agreement signed in by the first user;
the credit authorization module is used for receiving a registration request of a second user corresponding to the first user and carrying out credit authorization on the second user;
the financing loan issuing module is used for receiving the resource lists of the workers uploaded by the first user, issuing financing loans to a second user account of the first user and freezing the financing loans;
and the resource issuing module is used for receiving the unfreezing application of the second user and issuing the money indicated by the financing loan to the corresponding worker account according to the money indicated by the resource list of each worker.
11. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-9.
12. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-9.
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| CN202010219234.0A CN111383098A (en) | 2020-03-25 | 2020-03-25 | Resource distribution method and device |
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