CN111047248A

CN111047248A - Resource transfer method, device, server and storage medium

Info

Publication number: CN111047248A
Application number: CN201911150669.8A
Authority: CN
Inventors: 孟振滨
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2019-11-21
Filing date: 2019-11-21
Publication date: 2020-04-21

Abstract

The disclosure provides a resource transfer method, a resource transfer device, a server and a storage medium, and belongs to the technical field of computers. The method comprises the following steps: when the resource transfer information is received, generating a certificate according to the resource transfer information, and storing the certificate; when resources are allocated to the resource transfer objects, at least one stored certificate is obtained, and at least one resource transfer object corresponding to a resource transfer scene is determined according to a scene identification code carried by the certificate; for each resource transfer object corresponding to the resource transfer scene, determining a resource transfer rule corresponding to the resource transfer object; and transferring the resource to the resource transfer object according to the resource transfer rule and the at least one resource transfer information certificate. According to the resource transfer method and the resource transfer system, resources can be directly transferred to the resource transfer objects according to the resource transfer rules corresponding to different resource transfer objects, the problem of resource allocation among the resource transfer objects corresponding to the resource transfer scene can be rapidly solved, and the efficiency of resource transfer is improved.

Description

Resource transfer method, device, server and storage medium

Technical Field

The embodiment of the disclosure relates to the technical field of computers, and in particular relates to a resource transfer method, a resource transfer device, a server and a storage medium.

Background

In order to better develop the market, the group buying, takeaway and other transaction platforms can expand merchants by means of the agents, so that after a user completes a transaction through the transaction platforms, the transaction platforms not only need to settle accounts for the merchants, but also need to correspondingly divide profits for the agents, and when the number of the agents is small, the agents are divided and moistened in a manual operation mode. With the expansion of business scale, the manual operation mode can not meet the requirement of service differentiation of the agent.

Disclosure of Invention

The embodiment of the disclosure provides a resource transfer method, a resource transfer device, a server and a storage medium, which can automatically adapt to and be compatible with different resource transfer scenes, and solve the problem of low resource transfer efficiency in complex scenes. The technical scheme is as follows:

according to an aspect of the embodiments of the present disclosure, there is provided a resource transfer method, including:

when resource transfer information is received, generating a certificate of the resource transfer information according to the resource transfer information, and storing the certificate; the voucher carries a scene identification code, and the scene identification code identifies a resource transfer scene;

when resources are distributed to resource transfer objects, at least one stored certificate is obtained, and at least one resource transfer object corresponding to the resource transfer scene is determined according to the scene identification code carried by the certificate;

for each resource transfer object corresponding to a resource transfer scene, determining a resource transfer rule corresponding to the resource transfer object;

and transferring the resource to the resource transfer object according to the resource transfer rule and the certificate of the at least one resource transfer information.

In a possible implementation manner, the determining, according to the scene identification code carried by the credential, at least one resource transfer object corresponding to the resource transfer scene includes:

determining a score clearing rule corresponding to the resource transfer scene according to the scene identification code;

and determining at least one resource transfer object corresponding to the resource transfer scene according to the score clearing rule.

In another possible implementation manner, the resource transfer rule includes a charging rule, a settlement rule, and a resource transfer manner; the transferring the resource to the resource transfer object according to the resource transfer rule and the credential of the at least one resource transfer information includes:

for each voucher, determining a first resource numerical value corresponding to the voucher and needing to be transferred to the resource transfer object according to the charging rule and the voucher;

determining at least one target certificate in the current settlement period according to the settlement rule and the generation time of each certificate;

determining a second resource value which needs to be transferred to the resource transfer object in the current settlement period according to the first resource value which needs to be transferred to the resource transfer object and corresponds to each target certificate;

and transferring the resource of the second resource value to the resource transfer object by the resource transfer mode.

In another possible implementation manner, after the transferring the resource of the second resource value to the resource transfer object by the resource transfer manner, the method further includes:

generating a transfer detail list of the resource for transferring the second resource value to the resource transfer object;

generating a resource transfer result list according to the first resource value, the second resource value and the transfer detail list which are required to be transferred to the resource transfer object in each target certificate in the current settlement period;

and sending the resource transfer result list to a first terminal corresponding to the resource transfer object.

In another possible implementation manner, the generating a credential of the resource transfer information according to the resource transfer information includes:

and inputting the resource transfer information into a certificate model to generate a certificate of the resource transfer information.

In another possible implementation manner, the resource transfer information includes at least one of resource transfer information generated by the trading platform, resource transfer information with a historical transfer error, resource transfer information with a historical reconciliation error, or resource transfer information transferred to the trading platform.

In another possible implementation manner, before determining, according to the scene identification code carried by the credential, at least one resource transfer object corresponding to the resource transfer scene, the method further includes:

receiving first configuration information of a second terminal, wherein the first configuration information comprises the scene identification code, the resource transfer object and the resource transfer rule;

and associating the scene identification code with the resource transfer object, and associating the resource transfer object with the resource transfer rule.

In another possible implementation manner, before determining, according to the scene identification code, an inventory rule corresponding to the resource transfer scene, the method further includes:

receiving second configuration information of a second terminal, wherein the second configuration information comprises the scene identification code and the score clearing rule;

and associating the scene identification code with the score clearing rule.

In another possible implementation manner, the resource transfer manner includes resource transfer time and a resource transfer platform; the transferring the resource of the second resource value to the resource transfer object by the resource transfer mode includes:

and transferring the resource of the second resource value to the resource transfer object through the resource transfer platform at the resource transfer time.

According to another aspect of the embodiments of the present disclosure, there is provided an apparatus, including:

the first generation module is configured to generate a certificate of the resource transfer information according to the resource transfer information when the resource transfer information is received, and store the certificate; the voucher carries a scene identification code, and the scene identification code identifies a resource transfer scene;

the determining module is configured to acquire at least one stored certificate when allocating resources to a resource transfer object, and determine at least one resource transfer object corresponding to the resource transfer scene according to the scene identification code carried by the certificate; for each resource transfer object corresponding to a resource transfer scene, determining a resource transfer rule corresponding to the resource transfer object;

a transfer module configured to transfer a resource to the resource transfer object according to the resource transfer rule and the credential of the at least one resource transfer information.

In a possible implementation manner, the determining module is further configured to determine, according to the scene identification code, a liquidation rule corresponding to the resource transfer scene; and determining at least one resource transfer object corresponding to the resource transfer scene according to the score clearing rule.

In another possible implementation manner, the resource transfer rule includes a charging rule, a settlement rule, and a resource transfer manner; the transfer module is further configured to determine, for each credential, a first resource value corresponding to the credential and required to be transferred to the resource transfer object according to the charging rule and the credential; determining at least one target certificate in the current settlement period according to the settlement rule and the generation time of each certificate; determining a second resource value which needs to be transferred to the resource transfer object in the current settlement period according to the first resource value which needs to be transferred to the resource transfer object and corresponds to each target certificate; and transferring the resource of the second resource value to the resource transfer object by the resource transfer mode.

In another possible implementation manner, the apparatus further includes:

a second generation module configured to generate a transfer detail list of the resource for transferring the second resource value to the resource transfer object; generating a resource transfer result list according to the first resource value, the second resource value and the transfer detail list which are required to be transferred to the resource transfer object in each target certificate in the current settlement period;

and the sending module is configured to send the resource transfer result list to the first terminal corresponding to the resource transfer object.

In another possible implementation manner, the first generating module is further configured to input the resource transfer information into a credential model, and generate a credential of the resource transfer information.

In another possible implementation manner, the apparatus further includes:

a first receiving module configured to receive first configuration information of a second terminal, the first configuration information including the scene identification code, the resource transfer object, and the resource transfer rule;

a first association module configured to associate the scene identification code and the resource transfer object, and to associate the resource transfer object and the resource transfer rule.

In another possible implementation manner, the apparatus further includes:

a second receiving module configured to receive second configuration information of a second terminal, where the second configuration information includes the scene identification code and the score clearing rule;

a second association module configured to associate the scene identification code with the liquidation rule.

In another possible implementation manner, the resource transfer manner includes resource transfer time and a resource transfer platform; the transfer module is further configured to transfer, by the resource transfer platform, the resource of the second resource value to the resource transfer object at the resource transfer time.

According to another aspect of the embodiments of the present disclosure, there is provided a server, including: the system comprises a processor and a memory, wherein at least one instruction is stored in the memory, and the at least one instruction is loaded and executed by the processor to realize the resource transfer method in any one of the above possible implementation modes.

According to another aspect of the embodiments of the present disclosure, there is provided a computer-readable storage medium, in which at least one instruction is stored, and the at least one instruction is loaded and executed by a processor to implement the resource transfer method in any one of the above-mentioned possible implementation manners.

In the embodiment of the disclosure, the scene identification code identifies the resource transfer scene, and can determine the resource transfer object corresponding to the resource transfer scene according to the scene identification code, and further determine the resource transfer rule corresponding to the resource transfer object, and transfer the resource to the resource transfer object according to the resource transfer rule and the credential of at least one resource transfer information. Resources are directly transferred to the resource transfer objects according to the resource transfer rules corresponding to different resource transfer objects, so that the problem of resource allocation among the resource transfer objects corresponding to the resource transfer scene can be solved quickly, and the efficiency of resource transfer is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present disclosure, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and it is obvious for those skilled in the art to obtain other drawings based on the drawings without creative efforts.

FIG. 1 is a schematic diagram of a resource transfer scenario and a resource transfer object provided by an embodiment of the present disclosure;

FIG. 2 is a schematic illustration of an implementation environment provided by embodiments of the present disclosure;

FIG. 3 is a flowchart of a resource transfer method provided by an embodiment of the present disclosure;

FIG. 4 is a flowchart of a resource transfer method provided by an embodiment of the present disclosure;

fig. 5 is a schematic diagram of a resource transfer method provided by an embodiment of the present disclosure;

FIG. 6 is a schematic diagram of a resource transfer scenario provided by an embodiment of the present disclosure;

FIG. 7 is a schematic diagram of a resource transfer scenario provided by an embodiment of the present disclosure;

fig. 8 is a block diagram of a resource transfer apparatus provided in an embodiment of the present disclosure;

fig. 9 is a block diagram of a server provided by an embodiment of the present disclosure.

Detailed Description

To make the objects, technical solutions and advantages of the present disclosure more apparent, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings.

In transaction platforms such as a group purchase platform, a take-out platform and a shopping platform, a first user performs transactions through the transaction platforms, which usually involve various scenes; for example, in a take-away scenario, the settlement process may involve not only transaction-related merchants, but also transaction-related objects such as takeaway distributors; in a group purchase scenario, the settlement process may involve not only the transaction-related merchant but also transaction-related objects such as the agent. In the settlement process after the transaction is successful, corresponding resources need to be transferred not only to the merchant related to the transaction, but also to other objects related to the transaction. Wherein the first user may be a user who purchases goods through the trading platform.

For example, referring to fig. 1, an agent signs up with a trading platform, and extends a merchant for the trading platform, and after the merchant extended by the agent succeeds in trading, the agent should obtain a certain proportion of profit share from the trading, i.e., the agent share. For another example, the transaction platform cooperates with a payment channel such as a unionpay or a third-party payment platform, and if the resource value transferred through the payment channel in the transaction platform within a specified time period reaches a specified value, the transaction platform should obtain a commission subsidy returned by the payment channel, namely, the commission returned by the transaction platform. The business, the agent, the payment channel and other transaction related objects are all used as contractors and have cooperation, signing or interest relation with the transaction platform.

The cooperation, contract or interest relationship of the transaction related objects can be embodied in a specific scene. For example, in a scenario that a first user makes a group purchase in a store of a self-residing merchant through a group purchase platform, after the transaction is successful, corresponding resources need to be transferred to the merchant, that is, after the transaction is successful, the merchant must be settled, that is, "only settled"; in a group purchase scene of a first user in a shop of an agent expanded merchant through a group purchase platform, after a transaction is successful, corresponding resources need to be transferred to the merchant and the agent, namely, after the transaction is successful, profit sharing needs to be carried out on the agent, and the transaction can be divided only when meeting the condition of agent dividing, namely 'settlement + dividing'; when the value of the resource transferred by the transaction platform through the payment channel reaches the designated value in the designated time period, the corresponding resource needs to be transferred to the merchant and the transaction platform, namely the commission subsidy is returned, and the commission returning condition is met so as to return the commission, namely 'settlement + commission returning'.

In order to adapt to various scenes, resource transfer is carried out on a plurality of different transaction related objects, the settlement of merchants, the distribution of agents, the commission return to a transaction platform and other scenes are analyzed, the situation that the profit distribution problem in the economic activity is solved according to the contract information of contractors such as merchants, agents, payment channels and the like in a period is summarized by finding out the commonalities of the merchants, the agents, the payment channels and other transaction related objects and the individual differences in the processes of settlement, distribution and commission return and the like is solved, so that the concept of the resource transfer object is abstracted to represent the contractors, and the resource transfer scene is abstracted to be used for distinguishing various scenes.

In the embodiment of the disclosure, a stable voucher model, a charging model, a clearing model, a settlement model, a money making model and a bill model are provided for adapting to various different resource transfer scenarios. The positioning and core capabilities of the above-described voucher model, charging model, liquidation model, settlement model, payment model and billing model are shown in table 1.

TABLE 1

The positioning of the voucher model to provide a unified access service is the starting point of the clearing link, and the voucher flowing water is generated to be used as a pool to be settled. Clearing links refer to clearing, settlement and charging links. The voucher model provides access service for each business system, and after each transaction in the business system succeeds, the voucher of the transaction is generated through the voucher model and serves as a voucher for clearing, settlement and charging; and arranging the certificates according to the time sequence to generate a certificate flow. And the voucher flowing water generated in one settlement period is used as a to-be-settled pool in the settlement period. And the voucher flowing water in the settlement period is used as the data of the pool to be settled in the settlement domain. In brief, the core capability of the credential model is the access service, and the data of the pool to be settled in the settlement domain is formed.

The charging model is positioned to be responsible for calculating each charge in the settlement link, providing precise and special service of charge calculation and generating charging details. The charging detail corresponding to each resource transfer object is generated by calculating the charges according to the transaction data, the difference data, the error data, the asset data and the like in the clearing and settlement link. The core capability of the charging model is that charging details are calculated according to a charging rule and a stroke-by-stroke or step rate mode. The calculation mode of the charging model can be configured according to different resource transfer scenarios, and each transaction can be calculated in sequence to form charging details, that is, the charging details are calculated one by one. The charging details may also be calculated according to a step rate mode, for example, after each transaction is successful, the charging details are calculated according to the resource value of the accumulated transaction success in different proportions.

The positioning of the clearing model provides a core service of unified clearing for realizing the unified clearing and centralized processing of the transaction principal and the commission charge of various business certificates. Namely, each resource transfer object corresponding to the resource transfer scene is determined. The core capability of the score clearing model is that score clearing details are formed according to score clearing rules.

The settlement model is positioned to be responsible for summarizing the clear and branch streams according to settlement rules to form a settlement list and corresponding settlement details, namely summarizing the clear and branch streams corresponding to each resource transfer object in a settlement period to form the settlement list. And each resource transfer object in the settlement list corresponds to one settlement detail. The core capability of the settlement model is to form a settlement list and settlement details according to the settlement rule period.

The positioning of the money-making model is to split the statement of settlement according to the money-making rule to form a transfer detail list. And splitting the settlement list according to the resource transfer mode corresponding to each resource transfer object to obtain a second resource numerical value which needs to be transferred to each resource transfer object. And forming a transfer detail list corresponding to each resource transfer object according to the second resource value required to be transferred to each resource transfer object, namely forming the transfer detail list with the minimum granularity. The core capability of the money-making model is that according to money-making rules, the settlement list is split to form a transfer detail list with the minimum granularity.

The bill model is positioned to provide a uniform bill service, is the end point of a settlement link, and generates a personalized bill by combining the requirements of a resource transfer object based on the charging detail, the settlement detail and the transfer detail. The core capability of the bill model is the access service, and the resource transfer object personalized bill is generated.

In embodiments of the present disclosure, stable credential models, charging models, liquidation models, settlement models, chargeback models, and billing models are provided. The capacity is reused to the maximum extent, the construction cost of the system is reduced, the system construction efficiency is improved, and the service expansion can be supported quickly.

Fig. 2 is a schematic diagram of an implementation environment provided by the embodiment of the present disclosure, referring to fig. 2, the implementation environment includes a first terminal 101 and a server 102; the first terminal 101 and the server 102 are connected via a wireless or wired network. Moreover, a client that the server 102 provides services may be installed on the first terminal 101, and the resource transfer object corresponding to the first terminal 101 may implement functions such as data transmission and message interaction through the client.

The first terminal 101 is a terminal corresponding to the resource transfer object, and the first terminal 101 may be a computer, a mobile phone, a tablet computer, or other electronic devices. The client may be a client installed on the first terminal 101 and capable of receiving the resource transfer result list. For example, the resource transfer object may be a transaction platform, a third-party payment platform, a merchant, an agent, a rider, a payment channel, or the like, the resource transfer result sheet may be a bill generated by transferring the resource to the resource transfer object, and the server 102 provides the resource transfer result sheet for the resource transfer object through the client. For example, the client may be a takeaway application or a shopping application corresponding to a merchant, and the like. The client may also be a browser, and the server 102 provides a web page displaying the resource transfer result list for the resource transfer object through the browser.

The implementation environment further comprises a second terminal 103, and the second terminal 103 and the server 102 are connected through a wireless or wired network. In addition, the second terminal 103 may also be installed with a client that the server 102 provides services, and a user corresponding to the second terminal 103 may implement functions such as data transmission and message interaction through the client.

The second terminal 103 is a terminal corresponding to a related staff member of the transaction platform, and the second terminal 103 may be a computer, a mobile phone, a tablet computer, or other electronic devices. The client may be a client installed on the second terminal 103 and capable of configuring a resource transfer scenario and a resource transfer rule. The client may be a client dedicated to configuring resource transfer scenarios and resource transfer rules. The client may also be a browser through which the server 102 provides a web page for configuring resource transfer scenarios and resource transfer rules for the relevant staff.

Fig. 3 is a flowchart of a resource transfer method provided in an embodiment of the present disclosure. Referring to fig. 3, the resource transfer method includes the steps of:

step 301: when the resource transfer information is received, generating a certificate of the resource transfer information according to the resource transfer information, and storing the certificate; the voucher carries a scene identification code which identifies a resource transfer scene.

Step 302: when the resources are distributed to the resource transfer objects, at least one stored certificate is obtained, and at least one resource transfer object corresponding to a resource transfer scene is determined according to a scene identification code carried by the certificate.

Step 303: and determining a resource transfer rule corresponding to the resource transfer object for each resource transfer object corresponding to the resource transfer scene.

Step 304: and transferring the resource to the resource transfer object according to the resource transfer rule and the at least one resource transfer information certificate.

Fig. 4 is a flowchart of a resource transfer method provided in an embodiment of the present disclosure. Referring to fig. 4, the resource transfer method includes the steps of:

step 401: when the server receives the resource transfer information, generating a certificate of the resource transfer information according to the resource transfer information, and storing the certificate; the voucher carries a scene identification code which identifies a resource transfer scene.

The credential is the basic basis for transferring the resource to the resource transfer object. For example, in a take-away scenario, the credentials include information such as a value of the first user's transferred resources, information about the merchant that the first user placed the order, information about the dealer that was taken the order, and a time at which the first user placed the order.

When the server receives the resource transfer information, the certificate of the resource transfer information can be generated according to the resource transfer information, and the generated certificate is stored in the pending certificate pool. And when the resources are required to be allocated to the resource transfer object, the generated voucher is obtained from the to-be-ended voucher pool.

In a possible implementation manner, the first user completes the transaction through a transaction platform on the third terminal, the third terminal sends the resource transfer information of the transaction to the server, and the server may determine the credential of the resource transfer information according to the resource transfer information. Correspondingly, the step of generating, by the server, the credential of the resource transfer information according to the resource transfer information may be: the server inputs the resource transfer information into a certificate model to generate a certificate of the resource transfer information.

The credential model is used for generating a credential according to the resource transfer information, and the credential can be used as a credential for subsequently performing resource allocation and resource transfer. The certificate can also be used as a certificate of an accounting process after the resource transfer is completed.

The server can determine whether the resource transfer information input into the credential model meets the condition for generating the credential through the credential model, and if the resource transfer information meets the condition for generating the credential, the server generates the credential of the resource transfer information through the resource transfer information. Accordingly, the step of the server determining whether the resource transfer information input into the credential model satisfies the condition for generating the credential may be: the server acquires resource transfer information and determines whether the resource transfer information carries a certificate mark, wherein the certificate mark is used for indicating that the resource transfer information can be used for generating a certificate; if the resource transfer information carries a certificate mark, determining that the resource transfer information meets the condition of generating a certificate; and if the resource transfer information does not carry the certificate mark, determining that the resource transfer information does not meet the condition for generating the certificate.

For example, the first user completes the transaction through a transaction platform on the third terminal, and the third terminal sends a request for successful transaction to the server; and the server receives the successful transaction request and generates a transaction order, wherein the transaction order carries the successful transaction mark. The trade order can be used as resource transfer information, and the mark of successful trade can be used as a voucher mark carried by the resource transfer information. The server can determine that the resource transfer information meets the condition of generating the certificate according to the certificate mark carried by the resource transfer information.

If the server determines that the resource transfer information meets the condition for generating the certificate, the server can generate the certificate of the resource transfer information through the certificate model. Correspondingly, the steps can be as follows: the server obtains the information required for generating the certificate from the resource transfer information through the certificate model; and generating the certificate of the resource transfer information according to the information required for generating the certificate.

For example, in a take-away scenario, the resource transfer information at least includes information of a merchant that the first user places an order, information of a distributor that takes away the order, a time when the first user places the order, a value of the resource transferred by the first user, and a manner in which the first user transfers the resource. And the server acquires the information of the merchants ordering by the first user, the information of the delivery personnel taking out the sales and the numerical value of the first user transferred resources, which are required by the generation of the voucher, from the resource transfer information through the voucher model.

The server obtains a serial number corresponding to a merchant from a merchant database which stores information of the merchant and cooperates with a transaction platform according to the information of the merchant ordered by the first user through a voucher model; the server obtains a serial number corresponding to the deliverer from a deliverer database which stores and cooperates with the transaction platform according to the information of the takeaway deliverer through a certificate model; the server acquires an account number of a first user from a database storing user information of a transaction platform according to the user information of the first user; and the server determines an account through which the first user transfers the resource according to the mode of transferring the resource by the first user.

The server generates a voucher of the resource transfer information through a voucher model, wherein the voucher at least comprises an account number of the first user, a number corresponding to the merchant, a number corresponding to the distributor, an account through which the first user transfers the resources and a numerical value of the first user transferred the resources; and the server associates the generated certificate and the pending mark through a certificate model according to the certificate mark carried by the resource transfer information, wherein the pending mark is used for identifying that the generated certificate can be used as the certificate of the resource transfer.

The server determines a resource transfer scene corresponding to the resource transfer information as a takeaway scene according to information of a merchant ordering by the first user and information of a takeaway distributor in the resource transfer information through a certificate model, acquires a scene identification code corresponding to the takeaway scene from a database storing an association relationship between a scene identification code and the resource transfer scene, and associates the generated certificate with the scene identification code.

The voucher carries a scene identification code, which can identify a resource transfer scene, which can be a code set according to a specified coding rule. The scene identification codes and the resource transfer scenes are in one-to-one correspondence, and one scene identification code corresponds to one resource transfer scene.

In another possible implementation, referring to fig. 5, the server may generate corresponding credentials according to different types of resource transfer information. Correspondingly, the step of generating, by the server, the credential of the resource transfer information according to the resource transfer information may be: the server acquires resource transfer information, wherein the resource transfer information comprises at least one of resource transfer information generated by the trading platform, resource transfer information with historical transfer errors, resource transfer information with historical reconciliation errors or resource transfer information transferred to the trading platform; and the server determines the certificate of the resource transfer information according to the resource transfer information.

With continued reference to FIG. 5, the resource transfer information, i.e., transaction-like data, is generated by the transaction platform. The user completes the transaction through the transaction platform, and the resource transfer information generated through the transaction platform comprises merchant information for ordering by the first user, information of a payment channel through which the first user transfers the resource and a value of the first user transferred resource.

And historical resource transfer information with errors, namely error-type data. In the checking process after the completion of the resource transfer for one settlement period, it may be found that the transfer of a part of the resources is erroneous. For example, a certain transaction in the settlement period is considered as successful in the settlement period, the transaction is included in the transaction class data of the settlement period, and finally the step of transferring the corresponding resource to the resource transfer object is completed. But the transaction is found to be not successful in practice when the transaction is checked, namely, the action of transferring the corresponding resource to the resource transfer object in the settlement period is wrong. The server can transfer the payment channel through which the corresponding resource passes and the transferred resource numerical value to the resource transfer object in the settlement period to generate resource transfer information with a history transfer error so as to recover the resource with the error transfer in the next settlement period.

Resource transfer information with historical account checking errors, namely difference data. During the reconciliation process of incomplete resource transfer, it may be found that the resources transferred after the first user transacts through the transaction platform do not match the resources that should be received by the resource transfer object related to the transaction. For example, a first user purchases a commodity through a transaction platform, a first amount of resources are transferred through a payment channel, the transaction platform obtains, through calculation, that a second amount of resources should be transferred to a resource transfer object corresponding to the transaction, but the first amount and the second amount are not equal, that is, an account checking error occurs. The server can determine the reason of the account checking error according to the resource transfer information of the historical account checking error, and recalculate the quantity of the resources to be transferred to the resource transfer object corresponding to the transaction.

And transferring the resource transfer information, namely the asset class data, to the trading platform. The merchant is in the transaction platform, equipment provided by the transaction platform may be needed, and the transaction platform needs to charge the merchant for maintenance of the equipment regularly. For example, the transaction platform provides a POS (point of sale) machine, a two-dimensional code with functions of collecting money or page skip, and the like for the merchant, and the transaction platform can deduct maintenance fees from resources that need to be transferred to the merchant after the merchant agrees, so as to generate resource transfer information transferred to the transaction platform.

In the embodiment of the disclosure, the resource transfer information includes at least one of resource transfer information generated by the trading platform, resource transfer information with a history transfer error, resource transfer information with a history reconciliation error or resource transfer information transferred to the trading platform, which not only relates to trading data, but also relates to heterogeneous data, error data and asset data, and various types of data related in the resource transfer process are all added to an automated flow of resource transfer, so that the efficiency of resource transfer is improved.

In the embodiment of the disclosure, when the server receives the resource transfer information, the server generates a credential of the resource transfer information according to the resource transfer information, and stores the generated credential. When the resource is required to be allocated to the resource transfer object, the stored certificate is directly acquired, and the resource allocation is carried out according to the certificate. When the resource is not required to be transferred to the resource transfer object, the voucher is generated according to the resource transfer information, and the efficiency of transferring the resource to the resource transfer information can be improved.

It should be noted that, when receiving the resource transfer information, the server may generate the credential of the resource transfer information without using the resource transfer information. And when the server needs to allocate resources to the resource transfer object, generating a certificate of the resource transfer information according to the resource transfer information.

Step 402: when the resources are distributed to the resource transfer objects, the server obtains at least one stored certificate, and the server determines at least one resource transfer object corresponding to a resource transfer scene according to a scene identification code carried by the certificate.

The server may allocate resources to the resource transfer object once a cycle. Correspondingly, the server obtains at least one certificate generated in the period from the stored at least one certificate. For example, the one period may be 1 day, 7 days, or 30 days. When a period is 1 day, the server can allocate resources to the resource transfer object at 1 month, 2 days and 0, and then the server acquires at least one credential generated in 1 month, 1 day and 0 to 24 from the stored at least one credential. The server may allocate the resource to the resource transfer object when generating the credential of the resource transfer information.

In one possible implementation manner, the scene identification code includes a plurality of sub-codes, where a sub-code in the scene identification code may include an object identification code corresponding to a different resource transfer object, and the object identification code may be an object identification code allocated by the server to the resource transfer object when the resource transfer object cooperates with the transaction platform.

Correspondingly, the step of determining, by the server, at least one resource transfer object corresponding to the resource transfer object according to the scene identification code may be: the server determines an object identification code included in the scene identification code according to the scene identification code; and determining the resource transfer object corresponding to the object identification code according to the one-to-one correspondence relationship between the object identification code and the resource transfer object, namely determining at least one resource transfer object corresponding to the resource transfer scene.

Wherein, the object identification code can be a code set according to a coding rule. The object identification code and the resource transfer object may be in a one-to-one correspondence relationship, that is, one object identification code corresponds to one resource transfer object, for example, the object identification code may be a merchant identification code for identifying different merchants. Different merchants correspond to different merchant identification codes, and the merchant identification codes and the merchants are in one-to-one correspondence. For another example, when the corresponding resource transfer object in the resource transfer scenario includes a payment channel, the object identifier code may also be a channel identifier code. The channel identification code is used for identifying different payment channels, the different payment channels correspond to different payment channel codes, and the channel identification code and the payment channels are in one-to-one correspondence.

In the embodiment of the disclosure, the scene identification code may include a plurality of sub-codes, and the server may directly determine the resource transfer object corresponding to the scene identification code according to the correspondence between the sub-codes in the scene identification code and the resource transfer object corresponding to the sub-codes, so that the logic is simple, the step of determining the resource transfer object is simplified, and the efficiency of resource transfer can be improved.

In another possible implementation manner, different resource transfer scenarios correspond to different score rules, and the server may determine the resource transfer object corresponding to the resource transfer scenario according to the score rules. Correspondingly, referring to fig. 6, the step of determining, by the server, at least one resource transfer object corresponding to the resource transfer scenario according to the scenario identification code may further be: the server determines a score clearing rule corresponding to the resource transfer scene according to the scene identification code; and the server determines at least one resource transfer object corresponding to the resource transfer scene according to the clearing rule.

The score clearing rule is a rule for determining which resource transfer objects correspond to in a resource transfer scenario, that is, in the resource transfer scenario, which resource transfer objects are involved and which resource transfer objects should be transferred with resources. Briefly, with continued reference to FIG. 6, the liquidation rule is to determine "tear: who is assigned to. The resource transfer scene and the scene identification code are in one-to-one correspondence, and the scene identification code and the score clearing rule are in one-to-one correspondence. The server can determine the score clearing rule corresponding to the resource transfer scene according to the corresponding relation between the scene identification code and the score clearing rule. The server can determine the resource transfer object involved in the transaction from the voucher according to the liquidation rule, that is, determine at least one resource transfer object corresponding to the resource transfer scenario.

And the server stores the scene identification code and the score clearing rule in an associated manner. For example, the association relation table is stored in the server; and storing the scene identification code and the rule identification of the score clearing rule corresponding to the scene identification code in the association relation table. Correspondingly, the step of determining the score clearing rule corresponding to the resource transfer scenario by the server according to the scenario identification code may be: the server acquires the rule identification of the score clearing rule corresponding to the scene identification code from the association relation table according to the scene identification code; and determining a score clearing rule corresponding to the scene identification code from the association relation table according to the rule identification. The rule identifier of the score clearing rule may be a serial number of the score clearing rule in the association table.

For example, in a resource transfer scenario of a takeaway platform, a first user orders through the takeaway platform to complete a takeaway transaction, the takeaway is ordered in a store of a merchant extended by an agent of the transaction platform, and the takeaway is delivered by a third-party delivery platform. The step of the server determining the resource transfer object may be: the server generates a takeout order of the takeout transaction; generating a voucher for settling a resource transfer object according to the takeout order, wherein the voucher comprises a value of a first user for transferring resources and a mode for transferring the resources, a merchant identifier for placing an order by the first user, an identifier of a distributor for completing the takeout distribution and a scene identification code, and the scene identification code is used for identifying such takeout scenes; the server determines a clearing rule corresponding to a resource transfer scene identified by a scene identification code according to the scene identification code, wherein the clearing rule corresponding to the takeaway scene is that merchant information corresponding to a merchant identification is determined according to the merchant identification, a merchant corresponding to the takeaway scene and an agent corresponding to the merchant are determined according to the merchant information, information of a distributor is determined according to the distributor identification, and a third-party distribution platform to which the distributor belongs is determined according to the distributor information; and the server determines that the resource transfer object corresponding to the takeaway scene comprises a merchant, an agent and a third-party distribution platform according to the clearing rule.

In the embodiment of the disclosure, the server determines the score clearing rule according to the scene identification code, and determines the corresponding resource transfer object in the resource transfer scene according to the score clearing rule. The resource transfer object corresponding to the resource transfer scene can be determined according to the characteristics of different resource transfer scenes, and the expansibility for coping with multiple scenes is improved.

In another possible implementation manner, the server further includes an inventory model, and the inventory model is configured to determine at least one resource transfer object corresponding to the resource transfer scenario according to the scenario identification code carried by the credential. Correspondingly, the step of determining, by the server, at least one resource transfer object corresponding to the resource transfer scenario according to the scenario identification code may be: and the server inputs the scene identification code into the score clearing model and outputs at least one resource transfer object.

Continuing to refer to fig. 5, the server determines at least one resource transfer object in the resource transfer scenario according to the scenario identification code carried by the credential, and the at least one resource transfer object forms a manifest. Referring to fig. 7, "1" represents one, and "", represents a plurality. In general, the voucher and the inventory are in a one-to-many relationship, that is, one voucher corresponds to multiple inventories. In a plurality of resource transfer scenes related in a settlement period, one resource transfer object corresponds to a plurality of inventory details, and a plurality of certificates correspond to a plurality of different resource transfer objects.

It should be noted that, the server further supports the second user to configure the score clearing rule, and correspondingly, the step of configuring the score clearing rule by the server may be: the server receives second configuration information of the second terminal, wherein the second configuration information comprises a scene identification code and a clearing rule; and the server associates the scene identification code with the score clearing rule.

The second user can be a related worker of the trading platform, and the second terminal is a terminal corresponding to the second user. In different resource transfer scenes, different resource transfer objects and the trading platform have cooperation or contract relations, and the staff configures the resource transfer scenes and the liquidation rules corresponding to the resource transfer scenes on the second terminal according to the cooperation or contract relations of the resource transfer objects and the trading platform. And the second terminal acquires the scene identification code corresponding to the resource transfer scene according to the corresponding relation between the scene identification code and the resource transfer scene, and sends second configuration information comprising the scene identification code and the score clearing rule to the server. And the server associates the scene identification code corresponding to the resource transfer scene with the score clearing rule corresponding to the resource transfer scene.

It should be noted that, after the server receives the second configuration information of the second terminal and associates the scene identification code with the score clearing rule, the score clearing rule and the score clearing model may be combined to determine the resource transfer object. Correspondingly, the step of determining, by the server, at least one resource transfer object corresponding to the resource transfer scenario according to the scenario identification code may be: the server inputs the scene identification code into the score clearing model, determines a score clearing rule associated with the scene identification code according to the scene identification code, and determines at least one resource transfer object corresponding to the resource transfer scene according to the score clearing rule.

In the embodiment of the disclosure, the related staff of the trading platform can flexibly configure the clearing rule corresponding to the resource transfer scene according to the signing relationship between the resource transfer object and the trading platform. When the service needs to be expanded or changed, the expansion or the change of the service can be quickly coped with by configuring or changing the rule, the system construction cost is reduced, and the efficiency of the expansion or the change of the service is improved.

Step 403: and for each resource transfer object corresponding to the resource transfer scene, the server determines a resource transfer rule corresponding to the resource transfer object.

The resource transfer rules include rules for determining the value of the resource to be transferred to the resource transfer object and rules for the resource transfer mode corresponding to the resource transfer object. For example, a resource transfer rule is a rule for determining when and how many values of a resource are to be transferred to a resource transfer object in what manner. Each resource transfer object corresponds to different resource transfer rules, the resource transfer objects and the resource transfer rules are in one-to-one correspondence, and the server can determine the resource transfer rules corresponding to the resource transfer objects according to the correspondence between the resource transfer objects and the resource transfer rules.

It should be noted that, the server further supports the second user to configure the resource transfer rule, and correspondingly, the step of configuring the resource transfer rule by the server may be: the server receives first configuration information of the second terminal, wherein the first configuration information comprises a scene identification code, a resource transfer object and a resource transfer rule; the server associates the scene identification code with the resource transfer object, and associates the resource transfer object with the resource transfer rule.

In different resource transfer scenes, different resource transfer objects and the transaction platform have cooperation or contract relations, and the staff configures the association relation between the resource transfer scene and the resource transfer object corresponding to the resource transfer scene and the association relation between the resource transfer object and the resource transfer rule corresponding to the resource transfer object on the second terminal according to the contract information of the resource transfer object and the transaction platform. The second terminal determines first configuration information according to the configuration of the staff, wherein the first configuration information comprises a scene identification code corresponding to the resource transfer scene, a resource transfer object corresponding to the resource transfer scene and a resource transfer rule corresponding to the resource transfer object. The server receives first configuration information sent by the second terminal, associates the scene identification code and the resource transfer object in the first configuration information, and associates the resource transfer object and the resource transfer rule corresponding to the resource transfer object.

For example, in a resource transfer scenario of a takeout platform, the resource transfer scenario corresponds to resource transfer objects such as merchants, agents, and third-party delivery platforms, and these resource transfer objects and a transaction platform both have subscription information. For example, the contract information of the merchant with the transaction platform obtains eighty percent of the value of the first user's transferred resource for each transaction, and settles once per the first weekday of the week, and receives the resource through the third party payment platform. The contract information of the agent and the transaction platform obtains ten percent of the value of the first user transferred resource for each transaction, and the first working day of each week is settled, and the resource is received through a specified bank card. The contract information of the third-party distribution platform and the transaction platform obtains ten percent of the value of the first user transferred resource for each transaction, and the third-party distribution platform settles once in the first working day of each month, and receives the resource through a specified bank card. And the staff configures a specific resource transfer rule according to the resource transfer object corresponding to the resource transfer scene and the signing information of the transaction platform.

In the embodiment of the disclosure, the related staff of the trading platform can flexibly configure the resource transfer rule corresponding to the resource transfer object according to the contract signing relationship between the resource transfer object and the trading platform. When the service needs to be expanded or changed, the expansion or the change of the service can be quickly coped with by configuring or changing the rule, the system construction cost is reduced, and the efficiency of the expansion or the change of the service is improved.

Step 404: and the server transfers the resources to the resource transfer object according to the resource transfer rule and the certificate of the at least one resource transfer information.

The server determines the value of the resource to be transferred to the resource transfer object, the time for transferring the resource of the value and the mode for transferring the resource of the value according to the resource transfer rule and the certificate of at least one resource transfer information, and transfers the resource to the resource transfer object according to the value of the resource, the time for transferring the resource and the mode for transferring the resource.

In one possible implementation, the resource transfer rule includes a charging rule, a settlement rule and a resource transfer mode; with continued reference to fig. 6, the server may determine a charging rule according to the scene identification code and the resource transfer object, and determine, according to the charging rule and the credential, a first resource value that needs to be transferred to the resource transfer object, that is, the charging rule is a rule for calculating a resource value that should be transferred to each resource transfer object corresponding to the resource transfer scene, that is, the charging rule is a determination "calculation: how many "of the rules are divided. The resource transfer object is configured with corresponding settlement rules and resource transfer modes. The server may determine, according to the settlement rule, a second resource value that needs to be transferred to the resource transfer object in the current settlement period, that is, the settlement rule determines, according to the settlement period, the second resource value that needs to be transferred to the resource transfer object, and a settlement period ends once, that is, the settlement rule determines "end: how to knot. The server may transfer the resource of the second resource value to the resource transfer object in a resource transfer manner, that is, the resource transfer manner is used to indicate how to pay the resource of the second resource value as a money to the resource transfer object, that is, the resource transfer manner is to determine "make: how to play.

The server transfers the resource to the resource transfer object according to the resource transfer rule and the at least one resource transfer information certificate through the following steps (1) to (4):

(1) and for each certificate, the server determines a first resource value which is corresponding to the certificate and needs to be transferred to the resource transfer object according to the charging rule and the certificate.

In one possible implementation manner, the charging rule is determined according to the subscription information of the resource transfer object and the transaction platform. For example, in a resource transfer scenario of a takeaway platform, a charging rule is a proportion of resources that a resource transfer object should obtain in each successful transaction; in a resource transfer scene of returning commission to the trading platform, when the resource transfer value transferred by the trading platform through the payment channel in a specified time period reaches a specified value, the charging rule is the proportion of the resource of the specified value obtained by the trading platform.

And the server determines a first resource value which is required to be transferred to the resource transfer object and corresponds to the certificate according to the charging rule and the resource value transferred by the first user in the certificate. For example, in the resource transfer scenario of the takeout platform, the charging rule is that the merchant obtains eighty percent of the value of the resource transferred by the first user per transaction, the agent obtains ten percent of the value of the resource transferred by the first user per transaction, and the third-party delivery platform obtains ten percent of the value of the resource transferred by the first user per transaction. And if the value of the resource transferred by the first user is 10, the value of the first resource to be transferred to the merchant is 8, the value of the first resource to be transferred to the agent is 1, and the value of the first resource to be transferred to the third-party distribution platform is 1.

In the embodiment of the disclosure, the server can determine the first resource value to be transferred to the resource transfer object according to the charging rules of different resource transfer objects in different resource transfer scenes. The method can better support the attributes and behaviors of different resource transfer objects, is suitable for services and systems of a plurality of resource transfer objects in a plurality of resource transfer scenes, and improves the expandability.

In another possible implementation manner, the first configuration information includes a corresponding relationship between the resource transfer object and a charging rule in the resource transfer rule, and the server may further combine the charging model and the charging rule to determine a first resource value that needs to be transferred to the resource transfer object and corresponds to the credential. Correspondingly, the step of determining, by the server, the first resource value to be transferred to the resource transfer object corresponding to the credential according to the charging rule and the credential may be: the server inputs the certificate into a charging model; determining a resource transfer scene corresponding to the scene identification code according to the scene identification code carried by the certificate; for each resource transfer object corresponding to the resource transfer scene, determining a charging rule according to the corresponding relation between the resource transfer object corresponding to the resource transfer scene and the charging rule in the resource transfer rule; and outputting a first resource value needing to be transferred to the resource transfer object according to the charging rule and the certificate.

In another possible implementation manner, the server may further determine, according to the charging model, a first resource value that needs to be transferred to the resource transfer object and corresponds to the credential. Correspondingly, the step of the server determining the first resource needing to be transferred to the resource transfer object corresponding to the credential may be: the server inputs the voucher and the resource transfer object obtained according to the step 402 into a charging model; and outputting a first resource value needing to be transferred to the resource transfer object.

With continued reference to fig. 5, for each resource transfer object in the resource transfer scenario, the server determines a first resource value that needs to be transferred to the resource transfer object, and the charging details are composed of each resource transfer object and the first resource value corresponding to each resource transfer object. With continued reference to fig. 7, in general, the server may determine a plurality of charging details according to the credentials, and in a plurality of resource transfer scenarios in the settlement period, one resource transfer object corresponds to the plurality of charging details.

(2) The server determines at least one target credential within the current settlement period based on the settlement rules and the generation time of each credential.

The settlement period is the period for the server to settle accounts, and the server can settle accounts on the same day, every other day, settle accounts on the next working day or settle accounts in real time and the like. For example, the settlement period may be "one day", "one week", or "one month", etc. The settlement period may also be one settlement for a successful transaction.

In one possible implementation, the settlement rule is determined according to the contract information of the resource transfer object and the transaction platform. And the server determines a target certificate with the generation time of the certificate in the current settlement period according to the settlement rule and the generation time of each certificate. For example, the settlement rule in the contract information of the resource transfer object and the trading platform is once settled on the first working day of each week. The step of the server determining at least one target credential in the current settlement period according to the settlement rule and the generation time of each credential may be: at the current time of the first working day of the week, credentials that were generated within 168 hours before the current time are determined to be target credentials.

For another example, if the settlement rule in the contract information of the resource transfer object and the transaction platform is real-time settlement, the step of determining, by the server, at least one target credential in the current settlement period according to the settlement rule and the generation time of each credential may be: when the server generates a credential, it determines the credential as the target credential. And executing a step of determining a second resource value which needs to be transferred to the resource transfer object in the current settlement period according to the first resource value which needs to be transferred to the resource transfer object and corresponds to the target certificate, and transferring the resource of the second resource value to the resource transfer object in a resource transfer mode. Wherein the first resource value and the second resource value are equal.

(3) And the server determines a second resource value which needs to be transferred to the resource transfer object in the current settlement period according to the first resource value which needs to be transferred to the resource transfer object and corresponds to each target certificate.

A settlement period usually comprises a plurality of target certificates, each target certificate corresponds to a different resource transfer scene, and each resource transfer scene corresponds to a plurality of resource transfer objects. For a plurality of resource transfer objects involved in the settlement period, the server needs to summarize a first resource value corresponding to the same resource transfer object and determine a second resource value which needs to be transferred to the resource transfer object in the current settlement period. Correspondingly, the step of determining, by the server, a second resource value that needs to be transferred to the resource transfer object in the current settlement period according to the first resource value that needs to be transferred to the resource transfer object and corresponds to each target credential may be: and the server performs accumulation summation on the first resource values of the same resource transfer object in the calculation period according to the plurality of resource transfer objects corresponding to each target certificate and the first resource values needing to be transferred to each resource transfer object to obtain second resource values needing to be transferred to each resource transfer object.

In the embodiment of the disclosure, the server can determine the second resource value to be transferred to the resource transfer object according to the settlement rules of different resource transfer objects in different resource transfer scenes. The method can better support the attributes and behaviors of different resource transfer objects, is suitable for services and systems of a plurality of resource transfer objects in a plurality of resource transfer scenes, and improves the expandability.

In another possible implementation manner, the first configuration information includes a corresponding relationship between the resource transfer object and a settlement rule in the resource transfer rule, and the server may further combine the settlement model and the settlement rule to determine a second resource value that needs to be transferred to the resource transfer object in the current settlement period. Correspondingly, the step of the server determining the second resource value that needs to be transferred to the resource transfer object in the current settlement period may be: the server inputs a first resource numerical value needing to be transferred to the resource transfer object into a settlement model; determining a settlement rule according to the corresponding relation between the resource transfer object and the settlement rule in the resource transfer rule; and outputting a second resource value to be transferred to the resource transfer object according to the settlement rule and the first resource value.

In another possible implementation manner, the server may further determine, according to the settlement model, a second resource value that needs to be transferred to the resource transfer object in the current settlement period. Correspondingly, the step of the server determining the second resource value that needs to be transferred to the resource transfer object in the current settlement period may be: the server inputs a first resource numerical value needing to be transferred to the resource transfer object into a settlement model; and outputting a second resource value needing to be transferred to the resource transfer object.

Continuing to refer to fig. 5, the server inputs the first resource value to be transferred to the resource transfer object into the settlement model; and outputting a second resource value needing to be transferred to the resource transfer object. And forming a settlement detail corresponding to each resource transfer object by each resource transfer object and the second resource numerical value corresponding to each resource transfer object, and forming a settlement list in the current settlement period by the settlement detail corresponding to each resource transfer object. Referring to fig. 7, in a resource transfer scenario in a settlement period, a single settlement list usually includes a plurality of resource transfer objects, that is, a single settlement list usually corresponds to a plurality of clearing details. In a plurality of settlement periods, the same settlement object may correspond to the settlement tickets corresponding to the plurality of settlement periods.

(4) And the server transfers the resource of the second resource value to the resource transfer object in a resource transfer mode.

The resource transfer mode comprises resource transfer time and a resource transfer platform; correspondingly, in this step, the server may transfer the resource of the second resource value to the resource transfer object through the resource transfer platform at the resource transfer time.

The resource transfer time is the time when the server transfers the resources to the resource transfer object, and the server can be used for account checking on the same day, account checking on every other day, account checking on the next working day or account checking in real time. For the case of the current day account, the settlement period of the server can be zero hour to eighteen hours of each day, and the resource transfer time is nineteen hours of each day. For the case of account coming every other day, the settlement period of the server may be zero to twenty-three hours, fifty-nine minutes, fifty-nine seconds per day, with the resource transfer time being any time of the next day. For the case of arrival at the next working day, the settlement period of the server may be from zero of the previous working day to zero of the next working day, and the resource transfer time is any time of the next working day. For the real-time account arrival situation, the time for completing the settlement period is the resource transfer time.

The resource transfer platform can be a bank, a unionpay, a third-party payment platform or a financial platform corresponding to a transaction platform. The server may designate one of the resource transfer platforms as a resource transfer platform, or may designate a resource transfer platform for transferring the resource by the resource transfer object when signing a contract with the resource transfer object.

In a possible implementation manner, the resource transfer object needs to have an account of the resource transfer platform, and the server transfers the resource of the second resource value to the account of the resource transfer platform corresponding to the resource transfer object through the resource transfer platform at the resource transfer time.

In another possible implementation manner, the first configuration information includes a corresponding relationship between the resource transfer object and the resource transfer manner in the resource transfer rule, and the server may further combine the money making model and the resource transfer manner to transfer the resource of the second resource value to the resource transfer object. Correspondingly, the step of transferring the resource of the second resource value to the resource transfer object by the server may be: the server inputs the second resource numerical value into the money making model; determining a resource transfer mode according to the corresponding relation between the resource transfer object and the resource transfer mode in the resource transfer rule; and transferring the resource of the second resource value to the resource transfer object in a resource transfer mode.

Another point to be noted is that, after the server transfers the resource of the second resource value to the resource transfer object in the resource transfer manner, the server may also provide personalized billing service for the resource transfer object, that is, generate a resource transfer result list and send the resource transfer result list to the resource transfer object. Correspondingly, the step of generating the resource transfer result list by the server and sending the resource transfer result list to the resource transfer object may be: the server generates a resource transfer detail list for transferring the second resource value to the resource transfer object; the server generates a resource transfer result list according to a first resource value, a second resource value and a transfer detail list which are required to be transferred to the resource transfer object in each target certificate in the current settlement period; and the server sends the resource transfer result list to the first terminal corresponding to the resource transfer object.

And the server transfers the resource transfer detail list of the second resource value to the resource transfer object, wherein the resource transfer detail list comprises information of the resource transfer object, the resource transfer time, the resource transfer platform and the like. The step of generating, by the server, the resource transfer result list according to the first resource value, the second resource value, and the transfer detail list that need to be transferred to the resource transfer object in each target credential in the current settlement period may be: the server can embody a first resource numerical value which needs to be transferred to the resource transfer object in each target certificate in the current settlement period in a resource transfer result list in a form of a list; accumulating and summing the first resource numerical values corresponding to each resource transfer object in the current settlement period; taking the information of the second resource value, the resource transfer object, the resource transfer time, the resource transfer platform and the like as a transfer detail list in a list form; and combining the first resource value, the value obtained by accumulating and summing the first resource value, the second resource value and the transfer detailed list to generate a resource transfer result list.

For each target certificate in the current settlement period, the server may store the target certificate and a first resource value corresponding to the target certificate and needing to be transferred to the resource transfer object in association in the database. For example, the resource transfer object determined by the server according to the target credential includes a resource transfer object "a", a resource transfer object "B", and a resource transfer object "C"; the server determines, according to the target credential, that the first resource value to be transferred to the resource transfer object includes that the first resource value to be transferred to the "A" is 7, the first resource value to be transferred to the "B" is 2, and the first resource value to be transferred to the "C" is 1; the server may store the target credential, "A" and 7, and the target credential, "B" and 2, and the target credential, "C" and 1 association in a database.

For each resource transfer object involved in the current settlement period, the server may store the resource transfer object, a second resource value corresponding to the resource transfer object, a resource transfer platform through which the resource of the second resource value is transferred, and a time association of the resource transfer of the second resource value in the database. For example, "A" corresponds to a second resource value of 45. When the server needs to generate the transfer detail list corresponding to the resource transfer object "a", the server may transfer the second resource value 45 corresponding to the resource transfer object "a", the resource transfer platform through which the resource of the second resource value is transferred, and the time for transferring the resource of the second resource value from the database.

When the server needs to generate a resource transfer result list corresponding to the resource transfer object 'A', the server obtains at least one first resource value corresponding to the 'A' in the current settlement period from the database, and the at least one resource value is accumulated and summed to obtain the resource value which should be transferred to the resource transfer object in the current settlement period. For example, "A" corresponds to first resource values of 7, 20, and 18. The first resource value is cumulatively summed to obtain a value of 45.

And the server generates a resource transfer result list according to the first resource value corresponding to the resource A, the value obtained by accumulating and summing the first resource values corresponding to the resource A in the current settlement period, the second resource value corresponding to the resource A and the transfer detail list.

The server may send the resource transfer result sheet to the first terminal corresponding to the resource transfer object. The server and the first terminal may communicate with each other in a socket manner based on a TCP (Transmission Control Protocol). After the server generates the resource transfer result list, the resource transfer result list can be pushed to the first terminal corresponding to the resource transfer object in a socket mode.

When the first terminal receives the resource transfer result list pushed by the server, the received resource transfer result list can be displayed in a resource transfer result list display interface of the client. Correspondingly, the steps can be as follows: the first terminal receives a resource transfer result list pushed by the server, and generates a first push message according to the resource transfer result list; displaying the first push message through the client; when the triggering operation of the first push message is received, a resource transfer result list corresponding to the first push message is obtained, and the resource transfer result list is displayed on a resource transfer result list display interface of the client.

The resource transfer result list can display the values obtained by accumulating and summing the first resource value, the second resource value and the first resource value in the resource transfer result list in a comparison list mode according to the size of a display interface of the resource transfer result list. The resource transfer result list display interface may further include a detailed transfer interface, and when the first terminal receives a trigger operation on the detailed transfer interface, the first terminal jumps to the detailed transfer display interface from the resource transfer result list display interface, and displays, in a list form, the second resource value transferred to the resource transfer object, the resource transfer platform through which the resource of the second resource value is transferred, and the time for resource transfer of the second resource value.

The server may also store the resource transfer result list in the database, and when the first terminal corresponding to the resource transfer object requests to obtain the resource transfer result list, the server sends the resource transfer result list to the first terminal corresponding to the resource transfer object. Correspondingly, the step of sending the resource transfer result list to the first terminal corresponding to the resource transfer object by the server may be: when receiving an operation for acquiring a resource transfer result list, a first terminal sends a resource transfer result list acquisition request to a server, wherein the resource transfer result list acquisition request carries an account number of a resource transfer object; the server receives a resource transfer result list acquisition request sent by a first terminal; and acquiring the account of the resource transfer object carried by the request according to the resource transfer result list, acquiring the resource transfer result list corresponding to the resource transfer object from a database, and sending the resource transfer detail list to the first terminal corresponding to the resource transfer object.

The server and the first terminal may communicate via http protocol (a simple request-response protocol). For example, the resource transfer result list obtaining request may be an http request, where the http request carries an account of the resource transfer object. The server may send the resource transfer details to the first terminal corresponding to the resource transfer object in an http response manner.

When the first terminal receives the resource transfer result list sent by the server, the received resource transfer result list can be displayed in a resource transfer result list display interface of the client. Correspondingly, the steps can be as follows: and the first terminal receives the resource transfer result list sent by the server, and displays the resource transfer result list on a resource transfer result list display interface of the client according to the resource transfer result list.

It should be noted that the transfer details may further include a resource transfer state, and the resource transfer object may view the resource transfer state according to the online bill provided by the server. When the server determines a second resource value which needs to be transferred to the resource transfer object in the current settlement period, the server can update the resource transfer state corresponding to the resource transfer object to be transferred; when the server transfers the resource with the second resource value to the resource transfer object in the resource transfer mode, the server can update the resource transfer state corresponding to the resource transfer object into the transfer state; after the server transfers the resource of the second resource value to the resource transfer object in the resource transfer mode, the server may update the resource transfer state corresponding to the resource transfer object to be transfer-completed.

The transfer detail list display interface of the first terminal may include a resource transfer state of the transfer detail list. When the server updates the resource transfer state corresponding to the resource transfer object, the server may also push update information for indicating the update of the resource transfer state to the first terminal corresponding to the resource transfer object. And the first terminal receives the updating information and updates the resource transfer state corresponding to the transfer detail list in a transfer detail list display interface according to the updating information. When the first terminal completes updating the resource transfer state corresponding to the resource transfer detail list, a second push message can be displayed through the client, and the second push message is used for prompting that the resource transfer state in the transfer detail list is updated. When the first terminal receives the trigger operation of the second push message, the first terminal can jump to a transfer detail list display interface.

Another point to note is that, with continued reference to fig. 5, the server may generate transfer details via a money-printing model. The server can also input the first resource value, the second resource value and the transfer detailed list into a bill model, generate a resource transfer result list through the bill model, and send the resource transfer result list to the first terminal corresponding to the resource transfer object. That is, the server may input the charging particulars, the settlement statement and the transfer particulars into the billing model to provide the billing service to the user corresponding to the first terminal. Referring to fig. 7, in a settlement period, one settlement statement may be split into transfer details corresponding to each resource transfer object, and in general, one settlement statement corresponds to a plurality of transfer details; correspondingly, a plurality of settlement sheets of a plurality of settlement periods also correspond to a plurality of transfer details. One resource transfer object corresponds to a plurality of transfer details in a plurality of settlement periods.

In the embodiment of the disclosure, the server may further provide personalized billing service for the resource transfer object, and display the intermediate process and the result of the resource transfer to the resource transfer object, so that the resource transfer object is checked conveniently, the subsequent process after the resource transfer is completed is optimized, and the experience degree of the resource transfer object is improved.

All the above optional technical solutions may be combined arbitrarily to form the optional embodiments of the present disclosure, and are not described herein again.

Fig. 8 is a block diagram of a resource transfer apparatus according to an embodiment of the present disclosure. Referring to fig. 8, the apparatus includes:

a first generating module 801 configured to generate a credential of the resource transfer information according to the resource transfer information when the resource transfer information is received, and store the credential; the voucher carries a scene identification code which identifies a resource transfer scene;

a determining module 802, configured to, when allocating resources to the resource transfer object, acquire at least one stored credential, and determine, according to a scene identification code carried by the credential, at least one resource transfer object corresponding to a resource transfer scene; for each resource transfer object corresponding to the resource transfer scene, determining a resource transfer rule corresponding to the resource transfer object;

a transfer module 803 configured to transfer the resource to the resource transfer object according to the resource transfer rule and the credential of the at least one resource transfer information.

In a possible implementation manner, the determining module 802 is further configured to determine, according to the scene identification code, a score clearing rule corresponding to the resource transfer scene; and determining at least one resource transfer object corresponding to the resource transfer scene according to the score clearing rule.

In another possible implementation manner, the resource transfer rule includes a charging rule, a settlement rule and a resource transfer manner; the transfer module 803 is further configured to determine, for each credential, a first resource value that needs to be transferred to the resource transfer object and corresponds to the credential according to the charging rule and the credential; determining at least one target certificate in the current settlement period according to the settlement rule and the generation time of each certificate; determining a second resource value which needs to be transferred to the resource transfer object in the current settlement period according to the first resource value which needs to be transferred to the resource transfer object and corresponds to each target certificate; and transferring the resource of the second resource value to the resource transfer object in a resource transfer mode.

In another possible implementation manner, the apparatus further includes:

a second generation module configured to generate a transfer detail list of the resource for transferring the second resource value to the resource transfer object; generating a resource transfer result list according to a first resource value, a second resource value and a transfer detail list which are required to be transferred to a resource transfer object in each target certificate in the current settlement period;

In another possible implementation, the first generating module 801 is further configured to input the resource transfer information into a credential model, and generate a credential of the resource transfer information.

In another possible implementation, the resource transfer information includes at least one of resource transfer information generated by the trading platform, resource transfer information with historical transfer errors, resource transfer information with historical reconciliation errors, or resource transfer information transferred to the trading platform.

In another possible implementation manner, the apparatus further includes:

the first receiving module is configured to receive first configuration information of the second terminal, wherein the first configuration information comprises a scene identification code, a resource transfer object and a resource transfer rule;

In another possible implementation manner, the apparatus further includes:

the second receiving module is configured to receive second configuration information of the second terminal, wherein the second configuration information comprises a scene identification code and a score clearing rule;

and the second association module is configured to associate the scene identification code with the score clearing rule.

In another possible implementation manner, the resource transfer manner includes resource transfer time and a resource transfer platform; the transferring module 803 is further configured to transfer the resource of the second resource value to the resource transfer object through the resource transfer platform at the resource transfer time.

It should be noted that: in the resource transfer device provided in the foregoing embodiment, only the division of the functional modules is illustrated in the foregoing description, and in practical applications, the function allocation may be completed by different functional modules according to needs, that is, the internal structure of the server is divided into different functional modules to complete all or part of the functions described above. In addition, the resource transfer apparatus and the resource transfer method provided in the foregoing embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments for details, which are not described herein again.

Fig. 9 is a schematic structural diagram of a server provided in an embodiment of the present disclosure, where the server 900 may generate a relatively large difference due to a difference in configuration or performance, and may include one or more processors (CPUs) 901 and one or more memories 902, where the memory 902 stores at least one instruction, and the at least one instruction is loaded and executed by the processors 901 to implement the methods provided by the foregoing method embodiments. Of course, the server may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input/output, and the server may also include other components for implementing the functions of the device, which are not described herein again.

In an exemplary embodiment, there is also provided a computer readable storage medium having at least one program code stored therein, the at least one program code being executable by a processor in a server to perform the resource transfer method in the above embodiments. For example, the computer-readable storage medium may be a ROM (Read-Only Memory), a RAM (Random Access Memory), a CD-ROM (compact disc Read-Only Memory), a magnetic tape, a floppy disk, an optical data storage device, and the like.

The present disclosure also provides a computer program product comprising one or more computer programs for implementing the resource transfer method provided by the above-mentioned method embodiments when executed by a processor.

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 intended to be exemplary only and not to limit the present disclosure, and any modification, equivalent replacement, or improvement made without departing from the spirit and scope of the present disclosure is to be considered as the same as the present disclosure.

Claims

1. A method of resource transfer, the method comprising:

2. The method according to claim 1, wherein the determining, according to the scene identification code carried by the credential, at least one resource transfer object corresponding to the resource transfer scene comprises:

3. The method of claim 1, wherein the resource transfer rules include charging rules, settlement rules, and resource transfer methods; the transferring the resource to the resource transfer object according to the resource transfer rule and the credential of the at least one resource transfer information includes:

4. The method according to claim 3, wherein after the transferring the resource of the second resource value to the resource transfer object by the resource transfer method, the method further comprises:

5. The method of claim 1, wherein the generating the credential of the resource transfer information according to the resource transfer information comprises:

6. The method of claim 1, wherein the resource transfer information comprises at least one of resource transfer information generated by a trading platform, resource transfer information with historical transfer errors, resource transfer information with historical reconciliation errors, or resource transfer information transferred to the trading platform.

7. The method according to claim 1, wherein before determining at least one resource transfer object corresponding to the resource transfer scenario according to the scenario identification code carried by the credential, the method further comprises:

8. The method according to claim 2, wherein before determining the score clearing rule corresponding to the resource transfer scenario according to the scenario identification code, the method further comprises:

and associating the scene identification code with the score clearing rule.

9. The method of claim 3, wherein the resource transfer mode comprises a resource transfer time and a resource transfer platform; the transferring the resource of the second resource value to the resource transfer object by the resource transfer mode includes:

10. An apparatus for resource transfer, the apparatus comprising:

11. A server, characterized in that the server comprises:

a processor and a memory, the memory having stored therein at least one instruction that is loaded and executed by the processor to implement the resource transfer method of any of claims 1-9.

12. A computer-readable storage medium having stored therein at least one instruction, which is loaded and executed by a processor, to implement the resource transfer method of any one of claims 1-9.