CN110766553A - Resource transfer method, device, system, electronic equipment and medium - Google Patents

Resource transfer method, device, system, electronic equipment and medium Download PDF

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CN110766553A
CN110766553A CN201910930355.3A CN201910930355A CN110766553A CN 110766553 A CN110766553 A CN 110766553A CN 201910930355 A CN201910930355 A CN 201910930355A CN 110766553 A CN110766553 A CN 110766553A
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resource transfer
resource
server
share
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CN110766553B (en
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王寸涛
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Tencent Technology Shenzhen Co Ltd
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems

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Abstract

The invention discloses a resource transfer method, a device, a system, electronic equipment and a medium. The method comprises the following steps: the method comprises the steps that a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client; the first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object; the first server sends a first resource transfer request comprising a first resource transfer path to a second server; the first server determines a second resource transfer object, and the breeding rate corresponding to the second resource transfer object is greater than the breeding rate corresponding to the first resource transfer object; the first server generates a second resource transfer path according to the resource share, the first identification information and second identification information of the second resource transfer object; and the first server sends a second resource transfer request comprising a second resource transfer path to the second server.

Description

Resource transfer method, device, system, electronic equipment and medium
Technical Field
The present invention relates to the field of internet communications technologies, and in particular, to a resource transfer method, apparatus, system, electronic device, and medium.
Background
Resources including virtual items, which may be account numbers, points, or electronic vouchers, as well as physical items. With the development of the internet communication technology, various resource service platforms come into play, the resource service platforms can provide services such as resource procurement, resource procurement cancellation, redemption and the like for users, and corresponding users can convert resources by means of the resource service platforms to obtain other resources equivalent to the resources. For example, a user can purchase a share of resource B with a share of resource a through a resource service platform based on a current exchange ratio of resource a to resource B, the resource service platform transfers the share of resource a to a resource hosting party, the share of resource B purchased by the user is managed by the resource hosting party, and when the user needs to use the resource B, the resource redemption is applied through the resource service platform.
In the prior art, for resource transfer corresponding to a resource service application generated in a fixed time period, a resource service platform usually pre-estimates a share of a resource to be transferred, and then performs resource transfer in another fixed time period. However, the estimated share of the resource to be transferred is often inaccurate and inaccurate, so that effective completion of resource transfer cannot be guaranteed. Therefore, there is a need to provide a transfer scheme that is more accurate and efficient for resources.
Disclosure of Invention
In order to solve the problems of low resource transfer accuracy and the like when the prior art is applied to transferring resources, the invention provides a resource transfer method, a device, a system, electronic equipment and a medium, wherein the resource transfer method comprises the following steps:
in one aspect, the present invention provides a resource transfer method, where the method includes:
a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
the first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first server sends a first resource transfer request to a second server so that the second server transfers the resource share from the resource transfer object to the first resource transfer object, wherein the first resource transfer request comprises the first resource transfer path;
the first server determines a second resource transfer object, wherein the breeding rate corresponding to the second resource transfer object is greater than the breeding rate corresponding to the first resource transfer object;
the first server generates a second resource transfer path according to the resource share, the first identification information and second identification information of the second resource transfer object;
the first server sends a second resource transfer request to the second server, so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, where the second resource transfer request includes the second resource transfer path.
In another aspect, a resource transfer apparatus is provided, where the apparatus is applied to a first server, and the apparatus includes:
a resource transfer request receiving module: the resource transfer method includes receiving a resource transfer request sent by a client, where the resource transfer request includes a resource share, first identification information of a first resource transfer object, and identification information of a resource transfer object corresponding to the client;
the first resource transfer path generation module: the resource transfer module is used for generating a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first resource transfer request sending module: the resource transfer object is used for transferring the resource share to a first resource transfer object, and the first resource transfer object is used for transferring the resource share to a second server;
the resource transfer object determining module: the first server determines a second resource transfer object, wherein the breeding rate corresponding to the second resource transfer object is greater than the breeding rate corresponding to the first resource transfer object;
a second resource transfer path generation module: the first server is used for generating a second resource transfer path according to the resource share, the first identification information and second identification information of the second resource transfer object;
a second resource transfer request sending module: the first server is configured to send the second resource transfer request to the second server, so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, where the second resource transfer request includes the second resource transfer path.
In another aspect, a resource transfer system is provided, where the system includes a first server and a second server, and the first server includes the resource transfer apparatus as described above.
Another aspect provides an electronic device comprising a processor and a memory, wherein the memory stores at least one instruction, at least one program, a set of codes, or a set of instructions, which are loaded and executed by the processor to implement the resource transfer method as described above.
Another aspect provides a computer-readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to implement the resource transfer method as described above.
The resource transfer method, the device, the system, the electronic equipment and the medium provided by the invention have the following technical effects:
the invention can manage the resource transfer in a finer granularity, and improve the accuracy of the resource transfer. The normal transfer of the resources in the settlement time period is ensured, the accuracy of transferring the resource share and the posting efficiency are ensured, and the delay problem can be avoided to a certain extent.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions and advantages of the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a schematic diagram of an application environment provided by an embodiment of the invention;
fig. 2 is a schematic flowchart of a resource transfer method according to an embodiment of the present invention;
fig. 3 is a schematic flowchart of a resource transfer method according to an embodiment of the present invention;
fig. 4 is a flowchart illustrating a resource transfer method according to an embodiment of the present invention;
FIG. 5 is a schematic flow chart of transferring a net procurement share from a second resource transfer object to a third resource transfer object according to the embodiment of the invention;
FIG. 6 is a schematic flow chart of transferring the purchase quota sum from the second resource transfer object to the third resource transfer object according to the embodiment of the present invention;
fig. 7 is a block diagram illustrating a resource transfer apparatus according to an embodiment of the present invention;
fig. 8 is a block diagram illustrating a resource transfer system according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without any inventive step based on the embodiments of the present invention, are within the scope of the present invention.
It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or server that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
Referring to fig. 1, fig. 1 is a schematic diagram of an application environment according to an embodiment of the present invention, which may include a client 01, a first server 02 and a second server 03, where the client is communicatively connected to the first server, and the first server is communicatively connected to the second server. The user sends the resource transfer request to the first server through the client, the first server generates a corresponding resource transfer path and sends the resource transfer request comprising the resource transfer path to the second server, and the second server executes resource transfer according to the resource transfer request. It should be noted that fig. 1 is only an example.
Specifically, the client 01 may include a physical device such as a smart phone, a desktop computer, a tablet computer, a notebook computer, a digital assistant, a smart wearable device, etc., or may include software running in the physical device, such as a web page provided by some service providers to the user, or may provide applications provided by the service providers to the user.
Specifically, in this embodiment of the present disclosure, the first server 02 and the second server 03 may include a server that operates independently, or a distributed server, or a server cluster composed of a plurality of servers. The first server 02 and the second server 03 may comprise a network communication unit, a processor, a memory, etc. Specifically, the first server and the second server may provide background services for the client.
The following describes a specific embodiment of a resource transfer method of the present invention, and fig. 2 is a schematic flow chart of a resource transfer method provided in the embodiment of the present invention, and the present specification provides the method operation steps as described in the embodiment or the flow chart, but may include more or less operation steps based on conventional or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. In practice, the system or server product may be implemented in a sequential or parallel manner (e.g., parallel processor or multi-threaded environment) according to the embodiments or methods shown in the figures. Specifically, as shown in fig. 2, the method may include:
s201: a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
in an embodiment of the invention, a resource is an item that can acquire ownership over a network. Resources can be classified into virtual resources and physical resources according to attributes. Virtual resources such as account numbers, avatar products, virtual rechargeable cards, gaming accessories, virtual currency, and the like. The entity resource can be any article with a practical form, such as an electronic product, a toy, an artwork or a signature photo, which can be owned by a user.
Resources can also be classified according to currency into negotiable resources and non-negotiable resources. A distribution resource is an exchange medium that can be put into distribution immediately, with universal acceptability. The currency resource may be used to exchange non-currency resources. Non-circulating resources may include regular and current redemption resources. The regular redemption of resources is a resource that has agreed to exchange terms. After the resources are redeemed periodically through the exchange of the circulating resources, the circulating resources can be exchanged through the periodically redeemed resources after an appointed exchange period. The resources are redeemed at the current time without the exchange period.
As shown in fig. 3, correspondingly, the client sends the resource transfer request to the first server. The resource transfer request is a request for transferring the resource share to a target resource transfer object based on a resource transfer object. Specifically, after a user logs in the client through the user identifier, the client may generate a resource transfer request according to a user instruction "purchase a second resource of a second share using a first resource of a first share", and send the resource transfer request corresponding to the currently logged user identifier to the first server, so that the first server obtains the resource transfer request corresponding to the user identifier. The resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client.
In practical application, the resource service platform may include a client, a first server and a second server. The resource service platform may be an internet financing platform (internet payment authority). The resource share may correspond to an amount of the first type of resource for which the second type of resource is paid. For example, the second type of resource is a fund product, the first type of resource is an account value, the second type of resource of the second share can be purchased by using the first type of resource of the first share, the resource share corresponds to the first share, and the specific resource share may correspond to the account value of 1000. The time period for the first server to receive the resource transfer request may be used as a resource transfer time period. Specifically, the resource transfer time period may correspond to a current fund transaction day (T day)。
The first resource transfer object may be a first account of the resource service platform, and the first account may correspond to an account of a centralized deposit (ACS) opened at a central bank. The resource transfer object corresponding to the client may correspond to a user account, the user account serves as a charge-out starting point of the resource share, the user account may be a resource account of a resource service platform corresponding to the user login client through the user identifier, and the user account may also be a resource account of a resource service platform bound to the client login client through the user identifier. When the resource transfer request corresponds to a purchase requisition, the target resource transfer object may correspond to a redemption payment interface account provided by the resource escrow. Further, the target resource transfer object may be a fund company account to which the fund product belongs, and the fund company account serves as an entry destination of the resource share.
In a particular embodiment, the resource transfer request may include a purchase requisition, a redemption request, or the like. Accordingly, the purchase-applying request corresponds to the resource share, and the redemption request corresponds to the redemption of the resource share.
Where redeem means selling, for example, a user pays for a first type of resource and purchases a second type of resource, and the user sells the second type of resource to obtain a corresponding share of the first type of resource. The redemption resource share may correspond to the amount of the second type of resource sold.
In another specific embodiment, when the resource transfer request corresponds to a purchase requisition, the first server may set at least one acquisition time for a resource transfer time period. The first server may count the resource shares corresponding to the starting time and the current collection time to obtain a current summary share. For example, the interval between two adjacent acquisition time points may be 1 second, 1 minute, 5 minutes, and the like. Thus, for the T day, the resource shares from the start time to the current collection time of the T day may be counted and recorded as ftotai _ buy.
S202: the first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
in this embodiment of the present invention, the first resource transfer path indicates that the object to be transferred corresponding to the path is the resource share, the resource transfer object corresponding to the start point of the path, and the first resource transfer object corresponding to the end point of the path. In practical application, the first resource transfer path indicates that the object to be transferred corresponding to the path is the account number 1000, the start point of the path is the user account, and the end point of the path is the ACS account.
S203: the first server sends a first resource transfer request to a second server, so that the second server transfers the resource share from the resource transfer object to the first resource transfer object (corresponding to step S301), where the first resource transfer request includes the first resource transfer path;
in this embodiment of the present invention, the second server provides a resource transfer service for the resource transfer object and the first resource transfer object. And the second server receives a first resource transfer request which is sent by the first server and contains the first resource transfer path, further executes a corresponding resource transfer step, and transfers the resource share from the resource transfer object to the first resource transfer object.
In practical applications, the resource share paid by the user for making a subscription to a fund product corresponds to the account value 1000, and by means of the second server, the account value 1000 may be automatically collected from the user account to the ACS account, and accordingly, the account value corresponding to the user account is decreased by 1000 (for example, from 3000 to 2000), and the account value corresponding to the ACS account is increased by 1000 (for example, from 5000 to 6000).
S204: the first server determines a second resource transfer object, wherein the breeding rate corresponding to the second resource transfer object is greater than the breeding rate corresponding to the first resource transfer object;
in the embodiment of the present invention, the second resource transfer object may be a second account of the resource service platform, and the second account may correspond to a bank account (fund payment settlement special account) opened by a monitoring bank. Based on the same resource share (such as a certain account value), the growth (such as interest) benefits generated by the ACS account are less than those generated by the settlement patent account for fund payment.
S205: the first server generates a second resource transfer path according to the resource share, the first identification information and second identification information of the second resource transfer object;
in this embodiment of the present invention, the second resource transfer path indicates that the object to be transferred corresponding to the path is the resource share, the start point of the path corresponds to the first resource transfer object, and the end point of the path corresponds to the second resource transfer object. In practical application, the second resource transfer path indicates that the object to be transferred corresponding to the path is the account number 1000, the start point of the path is the ACS account, and the end point of the path is the fund payment settlement special account.
In a specific embodiment, when the resource transfer request corresponds to a procurement request, a current summary share of the current collection time is obtained through statistics based on setting of at least one collection time for a resource transfer time period. Reference may be made to the related description of step S201, and details are not repeated here.
Correspondingly, the first server sends a resource transfer query request to the second server, receives a transferred share returned by the second server, obtains a to-be-transferred share according to the current summary share and the transferred share, and generates the second resource transfer path according to the to-be-transferred share, the first identification information and the second identification information. In practical application, the second server may count the transferred shares of the T day from the start time to the current collection time, and record the counted shares as Ftotal _ buy _ all, and the share to be transferred Fcur _ all obtained by the first server is Ftotal _ buy-Ftotal _ buy _ all.
The transfer of resource shares is quasi real-time, even real-time. Meanwhile, the resource transfer can be managed in a finer-grained dimension by assisting with relevant steps of resource transfer inquiry, and the resource share full limit corresponding to the purchase applying request is guaranteed to be transferred to the fund payment settlement special account in the T day. Further, this may increase the share of resources allocated to the fund payment settlement private on day T, thereby increasing interest income of the fund payment settlement private.
S206: the first server sends a second resource transfer request to the second server, so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object (corresponding to step S302), where the second resource transfer request includes the second resource transfer path.
In this embodiment of the present invention, the second server provides a resource transfer service for the first resource transfer object and the second resource transfer object. And the second server receives a second resource transfer request which is sent by the first server and contains the second resource transfer path, further executes a corresponding resource transfer step, and transfers the resource share from the first resource transfer object to the second resource transfer object.
In practical application, the account value 1000 corresponds to the resource share paid by the user for applying for a fund product, and by means of the second server, the account value 1000 can be automatically collected from the user account to the ACS account, and then the account value 1000 is transferred from the ACS account to the fund payment settlement special account. Accordingly, the ACS account may have an account value decreased by 1000 (e.g., from 6000 to 5000) and the fund payment settlement account may have an account value increased by 1000 (e.g., from 4000 to 5000).
And transferring the whole resource share amount corresponding to the purchase applying request to a fund payment settlement special account in T day, so that the error caused by predicting the net purchase applying share can be avoided. Particularly for the case where the first type of resource is utilized to subscribe to the second type of resource, which points to the equity fund product. The delay condition caused by resource transfer to the fund company account in the settlement time period due to the fact that the estimated net purchase share is less than the real share can be reduced. Furthermore, the resource transfer time period is not limited to the trading day, and the resource share can be allocated based on the resource request (purchase request) in natural days, so that the growth income can be greatly improved.
In a specific embodiment, the first server may divide the resource transfer time period into at least one task time period, and each task time period may correspond to the same time duration, such as 1 second, 1 minute, and 5 minutes. And the first server generates a resource transfer task according to each second resource transfer request corresponding to the current task time period. And the first server sends the resource transfer task to the second server. Therefore, batch processing tasks can be performed based on a certain time dimension, when a second server is a server cluster consisting of a plurality of servers, the condition that each server in the server cluster executes a corresponding resource transfer task can be inquired, the task progress and the waiting time needed for task completion can be determined, and then a newly generated resource transfer task is distributed according to the current state of each server, so that the resource transfer efficiency can be improved, and the resource share can be transferred in a resource transfer time period in a quasi-real-time manner.
Further, the resource service platform further comprises a third server. And the first server sends the generated second resource transfer request to the third server. The third server may divide the resource intermediation time period into at least one task time period. And the third server generates a resource transfer task based on the second resource transfer request received in the current task time period, and further sends the resource transfer task to the second server.
Based on the above steps S201 to S206, in the resource transfer time period, the resource share is transferred in a quasi-real time manner: the resource transfer object is transferred to the first resource transfer object, and then the first resource transfer object is transferred to the second resource transfer object.
As shown in fig. 4, the method further comprises:
s401: the first server sends the resource transfer request to a server corresponding to a resource host;
in an embodiment of the present invention, the resource transfer request includes a purchase requisition, a redemption request, and the like. The resource transfer request received by the first server in the resource transfer period (tty) may be plural. The user can log in the client through the user identification, and the user can perform relevant operation on the client to generate a resource transfer request, wherein the resource transfer request corresponds to the currently logged-in user identification. The plurality of subscription requests can correspond to the same user identifier or different user identifiers.
The resource service platform (specifically, the first server) sends the resource transfer request to the resource host (corresponding server). The first server can forward the received resource transfer request in real time; or setting a forwarding time period, and forwarding the resource transfer request received in the forwarding time period in a centralized manner.
S402: the first server receives a resource transfer confirmation result returned by the server corresponding to the resource host, wherein the resource transfer confirmation result is a first confirmation mark corresponding to the resource share or a second confirmation mark corresponding to the redeemed resource share;
in an embodiment of the invention, the resource share corresponds to a first type of resource (such as an account value) and the redemption resource share corresponds to a second type of resource (such as a fund product). The resource transfer confirmation result indicates that the resource host confirms the success or failure of the resource transfer request. And when the resource transfer request corresponds to a purchase applying request and the purchase applying request corresponds to the resource share, the resource transfer confirmation result is a first confirmation mark corresponding to the resource share. When the resource transfer request corresponds to a redemption request, and the redemption request corresponds to the redemption resource share, the resource transfer confirmation result is a second confirmation mark corresponding to the redemption resource share and a resource conversion parameter, and the resource conversion parameter represents the share of the first type of resource corresponding to the second type of resource in unit share.
S403: the first server counts the resource shares corresponding to the resource transfer time period based on the first confirmation mark to obtain a procurement share sum;
in the embodiment of the invention, the settlement time period is agreed by the resource service platform and the resource host. In the settlement time period, resource transfer is performed on the to-be-processed share generated in the corresponding resource transfer time period. According to the rule of agreement, the resource relay period may be referred to as T day, and the corresponding settlement period may be referred to as T + N (N >: 1)) day. In the settlement time period (T + N days), the resource service platform (specifically, the first server) performs a confirmation operation on the redemption transaction corresponding to each resource transfer request according to the resource transfer confirmation result corresponding to the resource transfer request in the resource transfer time period (T days), and updates the transaction status to be successful or failed.
For the resource share corresponding to the resource transfer time period, the resource share corresponding to successful procurement confirmation can be obtained according to the first confirmation mark, and then the total procurement share is obtained through statistics.
S404: the first server counts the redeeming resource share corresponding to the resource transit time period based on the second confirmation mark to obtain a total of shares to be converted, and obtains a total of redeeming shares according to the total of shares to be converted and the resource conversion parameter;
in combination with the foregoing, for the redeeming resource share corresponding to the resource transit time period, the redeeming resource share corresponding to successful redemption confirmation can be obtained according to the second confirmation mark, and then the total of the shares to be converted is obtained statistically. And obtaining the sum of the redeeming shares according to the sum of the shares to be converted and the resource conversion parameter, for example, the sum of the shares to be converted is 100 shares (corresponding to a fund product), the resource conversion parameter is 20 (account value)/share (corresponding to a fund product), and further obtaining the sum of the redeeming shares as an account value 2000.
S405: the first server obtains the to-be-processed share according to the application share sum and the redemption share sum;
in the present example, the share to be processed is | the sum of the purchased shares-the sum of the redeemed shares |.
S406: when the to-be-processed share corresponds to a net procurement share, the first server generates a third resource transfer path according to the redeem share sum, the first identification information and the second identification information, and sends the third resource transfer request to the second server, so that the second server transfers the redeem share sum from the second resource transfer object to the first resource transfer object, and the third resource transfer request includes the third resource transfer path;
in the present exemplary embodiment, the portion to be treated corresponds to a net procurement portion, i.e., the portion to be treated is the sum of procurement portions and the sum of redemption portions > 0. The resource service platform can pay the sum of the redeeming shares for the resource host in the settlement time period, and particularly, a fund company can pay a settlement special account for the fund corresponding to the internet financing platform without money transfer. The Internet financing platform transfers the sum of the redeeming shares and the sum of the purchase failure confirmation shares from the fund payment settlement special account to the ACS account, and transfers the corresponding share from the ACS account to the user.
The redemption share sum corresponds to at least one resource transfer request (successful redemption validation), and accordingly, the first server can generate a reverse transfer request corresponding to the resource transfer request (successful redemption validation) in performing the reverse transfer of the resource share to the ACS account by the fund payment settlement tenant. The reverse transfer request may be generated based on the reception timing of the corresponding resource transfer request (redemption confirmation success). The first server or the third server may generate a reverse transfer task according to the corresponding reverse transfer request based on the divided reverse transfer task time period, and then send the reverse transfer task to the second server to perform a batch processing task.
The sum of the parts failing to be purchased for confirmation corresponds to at least one resource transfer request (failure to be purchased for confirmation), and accordingly, in the process of reversely transferring the resource parts to the ACS account by the fund payment settlement private account, the first server can generate the transfer request corresponding to the resource transfer request (failure to be purchased for confirmation). Of course, the resource transfer may be performed by the batch processing task with reference to the reverse transfer request.
Further, the resource service platform transfers the net procurement share from the second resource transfer object to a third resource transfer object (corresponding to the resource host), as shown in fig. 5, which may be performed by the following steps:
s501: the first server generates a fifth resource transfer path according to the net procurement share, the second identification information and the third identification information;
for example, the resource share corresponding to the resource transfer time period is an account value of 200, the sum of the purchase-applying shares is 100, and correspondingly, the sum of the purchase-applying confirmation failure shares is 100. The sum of the redemption shares is 50. Then the net procurement share is 50. And the fifth resource transfer path indicates that the object to be transferred corresponding to the path is the account value 50, the starting point of the path is the fund payment settlement special account, and the ending point of the path is the redemption payment interface account provided by the resource management side.
S501: the first server sends a fifth resource transfer request to the second server, so that the second server transfers the net procurement share from the second resource transfer object to the third resource transfer object, where the fifth resource transfer request includes the fifth resource transfer path.
And the second server provides resource transfer service for the second resource transfer object and the third resource transfer object. And the second server receives a fifth resource transfer request which is sent by the first server and contains the fifth resource transfer path, further executes a corresponding resource transfer step, and transfers the net purchase share from the second resource transfer object to the third resource transfer object. Specifically, the internet financing platform transfers the net procurement share from the fund payment settlement special account to the fund company account.
S407: when the to-be-processed share corresponds to a net redemption share, the first server generates a fourth resource transfer path according to the net redemption share, the second identification information and third identification information of a third resource transfer object, and sends the fourth resource transfer request to the second server, so that the second server transfers the net redemption share from the third resource transfer object to the second resource transfer object, and the fourth resource transfer request includes the fourth resource transfer path;
for example, the resource share corresponding to the resource transfer time period is the account value 100, the total of the procurement shares is 60, and correspondingly, the total of the procurement confirmation failure shares is 40. The sum of the redemption shares is 100. Then the net redemption share is 40.
In a specific embodiment, the portion to be processed corresponds to a net redemption portion, i.e. the portion to be processed is the sum of the redemption portions-the sum of the procurement portions > 0. Fund payment settlement special accounts corresponding to the internet financing platform can be paid without money transfer in fund companies. And the fund company can transfer the net redemption share to a fund payment settlement special account corresponding to the Internet financing platform. The resource service platform can pay the sum of redemption shares-the net redemption share for the resource escrow during the settlement period. Further, the internet financing platform transfers the sum of the redeemed shares and the sum of the unsuccessfully purchased shares from the fund payment settlement special account to the ACS account, and transfers the corresponding share from the ACS account to the user. Reference may be made to the relevant description in step S2013, which is not described herein again.
In another specific embodiment, when the pending share corresponds to the net redemption share, the step of the first server generating the fourth resource transit path further comprises: generating the fourth resource transit path according to the redemption share sum, the second identification information and the third identification information. And further sending the fourth resource transfer request to the second server. The resource service platform can not pay for the resource host in the settlement time period. And the fund company transfers the sum of the redeemed shares to a fund payment settlement special account corresponding to the Internet financing platform. Further, the internet financing platform transfers the sum of the redeemed shares and the sum of the unsuccessfully purchased shares from the fund payment settlement special account to the ACS account, and transfers the corresponding share from the ACS account to the user. Reference may be made to the relevant description in step S2013, which is not described herein again.
Further, the resource service platform transfers the total of the procurement shares from the second resource transfer object to a third resource transfer object (corresponding to the resource host), as shown in fig. 6, and may perform the following steps:
s601: the first server generates a sixth resource transfer path according to the total purchase-applying share, the second identification information and the third identification information;
the sixth resource transfer path indicates that the object to be transferred corresponding to the path is the account value 60, the starting point of the path is the fund payment settlement special account, and the ending point of the path is the redemption payment interface account provided by the resource holder.
S602: the first server sends a sixth resource transfer request to the second server, so that the second server transfers the sum of the purchased shares from the second resource transfer object to the third resource transfer object, where the sixth resource transfer request includes the sixth resource transfer path.
And the second server provides resource transfer service for the second resource transfer object and the third resource transfer object. And the second server receives a sixth resource transfer request which is sent by the first server and contains the sixth resource transfer path, further executes a corresponding resource transfer step, and transfers the sum of the purchase share from the second resource transfer object to the third resource transfer object. Specifically, the internet financing platform transfers the sum of the procurement shares from the fund payment settlement special account to the fund company account.
During the settlement time period (e.g., T +1 day), the internet financing platform may pay funds previously transferred to the fund payment settlement client to the fund company or re-transfer the funds back to the ACS account, depending on the result of the fund settlement for each fund. The resource transfer time period is transferred to the whole resource share of the fund payment settlement special account, and the corresponding propagation income can be obtained to the maximum degree for the internet financing platform. For the money fund with very large transaction amount, the fund is generally paid with a tie difference, and if the estimated net purchase allotment is only transferred to the fund payment settlement special account in the T day, the corresponding interest income is greatly influenced.
In practical application, the fund transfer in the settlement time period may be calculated by adding corresponding procedure fees and the like as required.
As can be seen from the technical solutions provided in the embodiments of the present specification, a first server receives a resource transfer request sent by a client and generates a corresponding resource transfer path, and a second server executes resource transfer according to the resource transfer request including the resource transfer path. Based on a resource transfer request sent by a client, in the process of transferring a resource share to a target resource object, a first resource transfer path and a second resource transfer path are generated by a first server, so that the resource transfer can be managed in a finer granularity, and the accuracy of the resource transfer is improved. The normal transfer of the resources in the settlement time period is ensured, the accuracy of transferring the resource share and the posting efficiency are ensured, and the delay problem can be avoided to a certain extent. The breeding rest rate that second resource transfer object corresponds is greater than the breeding rest rate that first resource transfer object corresponds can improve the breeding income of second resource transfer object.
An embodiment of the present invention further provides a resource transfer device, as shown in fig. 7, which is applied to a first server, and the device includes:
the resource transfer request receiving module 710: the resource transfer method includes receiving a resource transfer request sent by a client, where the resource transfer request includes a resource share, first identification information of a first resource transfer object, and identification information of a resource transfer object corresponding to the client;
the first resource transit path generating module 720: the resource transfer module is used for generating a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first resource transfer request sending module 730: the resource transfer object is used for transferring the resource share to a first resource transfer object, and the first resource transfer object is used for transferring the resource share to a second server;
the resource transfer object determining module 740: the first server determines a second resource transfer object, wherein the breeding rate corresponding to the second resource transfer object is greater than the breeding rate corresponding to the first resource transfer object;
the second resource transfer path generating module 750: the first server is used for generating a second resource transfer path according to the resource share, the first identification information and second identification information of the second resource transfer object;
the second resource transfer request sending module 760: the first server is configured to send the second resource transfer request to the second server, so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, where the second resource transfer request includes the second resource transfer path.
It should be noted that the device and method embodiments in the device embodiment are based on the same inventive concept.
An embodiment of the present invention further provides a resource transfer system, as shown in fig. 8, where the system includes a first server and a second server, and the first server includes the resource transfer device provided in the foregoing device embodiment.
An embodiment of the present invention provides an electronic device, which includes a processor and a memory, where the memory stores at least one instruction, at least one program, a code set, or an instruction set, and the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement the resource transfer method provided in the foregoing method embodiment.
Further, fig. 9 shows a hardware structure diagram of an electronic device for implementing the method provided by the embodiment of the present invention, and the device may participate in constituting or including the apparatus provided by the embodiment of the present invention. As shown in fig. 9, the apparatus 90 may include one or more (shown here as 902a, 902b, … …, 902 n) processors 902 (the processors 902 may include, but are not limited to, a processing device such as a microprocessor MCU or a programmable logic device FPGA, etc.), a memory 904 for storing data, and a transmission device 906 for communication functions. Besides, the method can also comprise the following steps: a display, an input/output interface (I/O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the I/O interface), a network interface, a power source, and/or a camera. It will be understood by those skilled in the art that the structure shown in fig. 9 is only an illustration and is not intended to limit the structure of the electronic device. For example, the electronic device 90 may also include more or fewer components than shown in FIG. 9, or have a different configuration than shown in FIG. 9.
It should be noted that the one or more processors 902 and/or other data processing circuitry described above may be referred to generally herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part in software, hardware, firmware, or any combination thereof. Further, the data processing circuit may be a single stand-alone processing module, or incorporated in whole or in part into any of the other elements in the electronic device 90 (or mobile device). As referred to in the embodiments of the application, the data processing circuit acts as a processor control (e.g. selection of a variable resistance termination path connected to the interface).
The memory 904 may be used for storing software programs and modules of application software, such as program instructions/data storage devices corresponding to the method described in the embodiment of the present invention, and the processor 902 executes various functional applications and data processing by running the software programs and modules stored in the memory 94, so as to implement one of the resource transfer methods described above. The memory 904 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 904 may further include memory located remotely from the processor 902, which may be connected to the electronic device 90 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The transmitting means 906 is used for receiving or sending data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the electronic device 90. In one example, the transmission device 906 includes a network adapter (NIC) that can be connected to other network devices through a base station so as to communicate with the internet. In one example, the transmission device 906 can be a Radio Frequency (RF) module, which is used for communicating with the internet in a wireless manner.
The display may be, for example, a touch screen type Liquid Crystal Display (LCD) that may enable a user to interact with a user interface of the electronic device 90 (or mobile device).
Embodiments of the present invention also provide a storage medium, which may be disposed in an electronic device to store at least one instruction, at least one program, a code set, or a set of instructions related to implementing a resource transfer method in the method embodiments, where the at least one instruction, the at least one program, the code set, or the set of instructions is loaded and executed by the processor to implement the resource transfer method provided in the method embodiments.
Alternatively, in this embodiment, the storage medium may be located in at least one network server of a plurality of network servers of a computer network. Optionally, in this embodiment, the storage medium may include, but is not limited to: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
It should be noted that: the precedence order of the above embodiments of the present invention is only for description, and does not represent the merits of the embodiments. And specific embodiments thereof have been described above. 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 embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the device and electronic apparatus embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference may be made to some descriptions of the method embodiments for relevant points.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims (10)

1. A resource transfer method is characterized by comprising the following steps:
a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
the first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first server sends a first resource transfer request to a second server so that the second server transfers the resource share from the resource transfer object to the first resource transfer object, wherein the first resource transfer request comprises the first resource transfer path;
the first server determines a second resource transfer object, wherein the breeding rate corresponding to the second resource transfer object is greater than the breeding rate corresponding to the first resource transfer object;
the first server generates a second resource transfer path according to the resource share, the first identification information and second identification information of the second resource transfer object;
the first server sends a second resource transfer request to the second server, so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, where the second resource transfer request includes the second resource transfer path.
2. The method of claim 1, wherein:
the first server receives a resource transfer request sent by a client, and further comprises:
the first server sets at least one acquisition moment for a resource transfer time period;
the first server counts the corresponding resource share between the starting time and the current collection time to obtain a current summary share;
the first server generates a second resource transfer path according to the resource share, the first identification information, and second identification information of the second resource transfer object, and further includes:
the first server sends a resource transfer inquiry request to the second server;
the first server receives the transferred share returned by the second server;
the first server obtains shares to be transferred according to the current summary shares and the transferred shares;
the first server generates the second resource transfer path according to the share to be transferred, the first identification information and the second identification information;
the resource transfer time period is a time period when the first server receives the resource transfer request.
3. The method of claim 1, wherein the first server sends a second resource transfer request to the second server, further comprising:
the first server divides the resource transfer time period into at least one task time period;
the first server generates a resource transfer task according to each second resource transfer request corresponding to the current task time period;
the first server sends the resource transfer task to the second server;
the resource transfer time period is a time period when the first server receives the resource transfer request.
4. The method according to claim 1, wherein the resource transfer request further includes a redemption resource share, the resource share corresponding to a first type of resource, the redemption resource share corresponding to a second type of resource, the method further comprising:
the first server sends the resource transfer request to a server corresponding to a resource host;
the first server receives a resource transfer confirmation result returned by a server corresponding to the resource host, wherein the resource transfer confirmation result is a first confirmation mark corresponding to the resource share or a second confirmation mark corresponding to the redeemed resource share and a resource conversion parameter, and the resource conversion parameter represents the share of the first type of resource corresponding to the unit share of the second type of resource;
the first server counts the resource shares corresponding to the resource transfer time period based on the first confirmation mark to obtain a procurement share sum;
the first server counts the redeeming resource share corresponding to the resource transit time period based on the second confirmation mark to obtain a total of shares to be converted, and obtains a total of redeeming shares according to the total of shares to be converted and the resource conversion parameter;
the first server obtains the to-be-processed share according to the application share sum and the redemption share sum;
when the to-be-processed share corresponds to a net procurement share, the first server generates a third resource transfer path according to the redeem share sum, the first identification information and the second identification information, and sends the third resource transfer request to the second server, so that the second server transfers the redeem share sum from the second resource transfer object to the first resource transfer object, and the third resource transfer request includes the third resource transfer path;
when the to-be-processed share corresponds to a net redemption share, the first server generates a fourth resource transfer path according to the net redemption share, the second identification information and third identification information of a third resource transfer object, and sends the fourth resource transfer request to the second server, so that the second server transfers the net redemption share from the third resource transfer object to the second resource transfer object, and the fourth resource transfer request includes the fourth resource transfer path;
the resource transfer time period is a time period when the first server receives the resource transfer request, and the third resource transfer object corresponds to the resource host.
5. The method according to claim 4, wherein the step of generating the fourth resource transit path by the first server when the pending share corresponds to the net redemption share further comprises:
generating the fourth resource transit path according to the redemption share sum, the second identification information and the third identification information.
6. The method of claim 4, wherein when the portion to be processed corresponds to the net procurement portion, the method further comprises:
the first server generates a fifth resource transfer path according to the net procurement share, the second identification information and the third identification information;
the first server sends a fifth resource transfer request to the second server, so that the second server transfers the net procurement share from the second resource transfer object to the third resource transfer object, where the fifth resource transfer request includes the fifth resource transfer path.
7. A resource transfer apparatus applied to a first server, the apparatus comprising:
a resource transfer request receiving module: the resource transfer method includes receiving a resource transfer request sent by a client, where the resource transfer request includes a resource share, first identification information of a first resource transfer object, and identification information of a resource transfer object corresponding to the client;
the first resource transfer path generation module: the resource transfer module is used for generating a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first resource transfer request sending module: the resource transfer object is used for transferring the resource share to a first resource transfer object, and the first resource transfer object is used for transferring the resource share to a second server;
the resource transfer object determining module: the first server determines a second resource transfer object, wherein the breeding rate corresponding to the second resource transfer object is greater than the breeding rate corresponding to the first resource transfer object;
a second resource transfer path generation module: the first server is used for generating a second resource transfer path according to the resource share, the first identification information and second identification information of the second resource transfer object;
a second resource transfer request sending module: the first server is configured to send the second resource transfer request to the second server, so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, where the second resource transfer request includes the second resource transfer path.
8. A resource transfer system, characterized in that the system comprises a first server and a second server, and the first server comprises the resource transfer apparatus according to claim 7.
9. An electronic device comprising a processor and a memory, the memory having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, the at least one instruction, the at least one program, the set of codes, or the set of instructions being loaded and executed by the processor to implement the resource transfer method according to any one of claims 1-6.
10. A computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to implement the resource transfer method according to any one of claims 1 to 6.
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