CN113807834A

CN113807834A - Resource processing method and device

Info

Publication number: CN113807834A
Application number: CN202111092002.4A
Authority: CN
Inventors: 王志伟; 彭勇; 岑文彬; 乔千雄; 张亚男; 余礼兴
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-09-17
Filing date: 2021-09-17
Publication date: 2021-12-17

Abstract

An embodiment of the present specification provides a resource processing method and device, wherein the resource processing method includes: acquiring a payment request of a payment order corresponding to a target service provided by a service party by a user; according to the payment request, transferring payment resources in a user resource account to a resource management account of the service party in a first resource mechanism, wherein the payment resources are frozen after being transferred to the resource management account; generating a transfer instruction of the service period number after the fulfillment condition of the service period number of the target service is triggered; and sending the transfer instruction to the first resource mechanism so as to transfer the resource from the resource management account to the resource account of the second resource mechanism of the service party.

Description

Resource processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a resource processing method and device.

Background

With the continuous development and popularization of the internet, the mode of providing online services based on the internet is gradually applied to each service field, more and more service parties are provided for users in each service field, and users often have certain concerns in the process of providing online services by using the service parties of the online platform, wherein the concerns refer to whether the online services provided by the service parties of the online platform can be effectively provided for a long time, and meanwhile, the users also worry about whether corresponding problem solving channels exist around the online services when disputes occur in the process of using the online services and whether the problems can be timely and effectively solved, and the concerns are important factors for restricting the further popularization and development of the online services provided based on the internet.

Disclosure of Invention

One or more embodiments of the present specification provide a resource processing method. The resource processing method comprises the following steps: and acquiring a payment request of a payment order corresponding to the target service provided by the service party by the user. And transferring the payment resources in the user resource account to a resource management account of the service party in a first resource mechanism according to the payment request, wherein the payment resources are frozen after being transferred to the resource management account. And after the performance condition of the service period of the target service is triggered, generating a transfer instruction of the service period. And sending the transfer instruction to the first resource mechanism so as to transfer the resource from the resource management account to the resource account of the second resource mechanism of the service party.

One or more embodiments of the present specification provide another resource processing method, including: and determining a payment mode of the target service according to an order placing request of a user to the target service provided by a service party. And establishing a payment order based on the payment mode and the order placing request, and synchronizing the payment request aiming at the payment order to a server according to the payment instruction of the user. And after detecting that the server confirms an instruction for the server of the service period of the target service, determining that the performance condition of the service period is triggered.

One or more embodiments of the present specification provide a resource processing apparatus including: the payment request acquisition module is configured to acquire a payment request of a payment order corresponding to a target service provided by a service party by a user. And the payment resource transfer module is configured to transfer payment resources in a user resource account to a resource management account of the service party in a first resource mechanism according to the payment request, and the payment resources are frozen after being transferred to the resource management account. And the transfer instruction generation module is configured to generate a transfer instruction of the service period after the fulfillment condition of the service period of the target service is triggered. And the transfer instruction sending module is configured to send the transfer instruction to the first resource mechanism so as to carry out resource transfer processing from the resource management account to a resource account of the server at a second resource mechanism.

One or more embodiments of the present specification provide another resource processing apparatus, including: and the payment mode determining module is configured to determine the payment mode of the target service according to an order placing request of the user to the target service provided by the service party. And the payment request synchronization module is configured to create a payment order based on the payment mode and the order placing request, and synchronize a payment request aiming at the payment order to a server according to a payment instruction of the user. And the confirmation instruction detection module is configured to determine that the fulfillment condition of the service period time is triggered after detecting that the service party confirms the instruction of the service party aiming at the service period time of the target service.

One or more embodiments of the present specification provide a resource processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring a payment request of a payment order corresponding to the target service provided by the service party by the user. And transferring the payment resources in the user resource account to a resource management account of the service party in a first resource mechanism according to the payment request, wherein the payment resources are frozen after being transferred to the resource management account. And after the performance condition of the service period of the target service is triggered, generating a transfer instruction of the service period. And sending the transfer instruction to the first resource mechanism so as to transfer the resource from the resource management account to the resource account of the second resource mechanism of the service party.

One or more embodiments of the present specification provide another resource processing apparatus, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and determining a payment mode of the target service according to an order placing request of a user to the target service provided by a service party. And establishing a payment order based on the payment mode and the order placing request, and synchronizing the payment request aiming at the payment order to a server according to the payment instruction of the user. And after detecting that the server confirms an instruction for the server of the service period of the target service, determining that the performance condition of the service period is triggered.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and acquiring a payment request of a payment order corresponding to the target service provided by the service party by the user. And transferring the payment resources in the user resource account to a resource management account of the service party in a first resource mechanism according to the payment request, wherein the payment resources are frozen after being transferred to the resource management account. And after the performance condition of the service period of the target service is triggered, generating a transfer instruction of the service period. And sending the transfer instruction to the first resource mechanism so as to transfer the resource from the resource management account to the resource account of the second resource mechanism of the service party.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and determining a payment mode of the target service according to an order placing request of a user to the target service provided by a service party. And establishing a payment order based on the payment mode and the order placing request, and synchronizing the payment request aiming at the payment order to a server according to the payment instruction of the user. And after detecting that the server confirms an instruction for the server of the service period of the target service, determining that the performance condition of the service period is triggered.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

FIG. 1 is a process flow diagram of a resource processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a processing sequence diagram of a resource processing method applied to a education service scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a processing sequence diagram of a resource rollback process in a education service scenario according to one or more embodiments of the present disclosure;

FIG. 4 is a process flow diagram of another resource handling method provided by one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of a resource handling device according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of another resource handling device according to one or more embodiments of the present disclosure;

fig. 7 is a schematic structural diagram of a resource processing device according to one or more embodiments of the present specification;

fig. 8 is a schematic structural diagram of another resource processing device according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a resource processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a resource processing method provided by this embodiment, referring to fig. 2, which shows a processing sequence chart of a resource processing method applied to a education service scenario provided by this embodiment, referring to fig. 3, which shows a processing sequence chart of a resource returning process in a education service scenario provided by this embodiment.

Referring to fig. 1, the resource processing method provided in this embodiment specifically includes steps S102 to S108.

Step S102, obtaining a payment request of a payment order corresponding to the target service provided by the service party by the user.

In the resource processing method provided by this embodiment, by interfacing with a plurality of resource mechanisms capable of providing resource account hosting, after a user pays for a target service, resources in a user resource account are transferred to a resource management account of a service party in a first resource mechanism to implement an order receiving service, and after a fulfillment condition of a service period of the target service is detected to be triggered, an allocation instruction is sent to the first resource mechanism to enable the first resource mechanism to perform resource allocation processing from the resource management account to the resource account of the service party in a second resource mechanism, thereby implementing the fulfillment service; and the first resource mechanism is used for performing frozen and unfrozen resource management on resources in the resource management account, and resources are allocated to the resource account of the service party after the user completes service once or for a period of time, so that the perception degree of the user on the service progress of the target service is improved, and the situation that the resources of the user cannot be recovered under the condition that the service state of the service party is abnormal or the service party runs is prevented.

In this embodiment, the service party includes service parties in service industries such as educational training, fitness service, hairdressing and beauty, specifically, the service party may be an offline service party, or an online service party, such as an entity education store providing educational training offline, or an online education store providing online course or remote course service; further, the service may be a service that opens both an offline store and an online store. It should be noted that, the service party in this embodiment is not limited to the service party directly accessing and opening the offline store or online store, and the service party also includes an entrance service party of a third party platform (third party operating platform).

The service aspect provides services for a user, wherein the service selected by the user from a plurality of services provided by the service party is a target service, optionally, the target service comprises a network course service, and the service period of the target service comprises a single course and/or a single course of the network course service; such as an online course or offline training provided by a education institution, or a fitness course provided by a fitness service provider, or a beauty course or beauty service provided by a beauty service provider.

In practical application, a plurality of service providers perform operation management and user drainage by accessing a third-party platform, and for this situation, in order to enable the service provider accessing the third-party platform to obtain more convenient and efficient experience, data interfacing may be performed with the third-party platform to generate a service identifier of the service provider, so that a user may query the service of the service provider and determine a target service by scanning the service identifier, and in addition, the user may also select the service provider and determine the target service by accessing the third-party platform.

The method comprises the following steps that a user determines target service and places an order by a third-party platform as an example, when the third-party platform detects an order placing request of the user for the target service, the third-party platform determines a payment mode of the user for the target service through interaction with the user, after the payment mode is obtained, a payment order is created based on the payment mode and the order placing request, and the payment request aiming at the payment order is synchronized to a server according to a payment instruction of the user; optionally, the payment order is created by a third party platform, and the payment request is synchronized by the third party platform; wherein the payment order is created in the following way: firstly, determining a payment mode of the target service according to an order placing request of the user to the target service; and then creating the payment order based on the payment mode and the order placing request.

Specifically, after detecting an access request submitted by a user through scanning a service identification code, a third-party platform issues a service access page of a service party to which the service identification code belongs according to the access request, after receiving an order placing request of the user for a target service of the service party, a payment mode configuration prompt is displayed to the user according to payment resource information carried in the order placing request, after obtaining a payment mode input by the user, in order to improve the perception degree of the user on the payment process of the target service and improve the management effectiveness, a payment protocol can be generated based on the payment mode and the service information of the target service, the payment protocol is validated and a payment order is created based on a signed user instruction, and a payment request for the payment order is synchronized to a server based on the user payment instruction.

For example, after detecting that a user scans a merchant identification code of a education institution and then sends a service access page of the education institution to the user, after acquiring a target course selected by the user and containing 10 courses, determining that a payment mode is pay-per-time according to the total course cost 1000 yuan of the target course and the user interaction, each time 100 yuan, creating and sending a payment order to the user based on the service information of the target course and the payment mode of the pay-per-time, and after acquiring a payment instruction of the user, synchronizing a payment request for the payment order to a server.

It should be noted that the payment order in this embodiment may also be created by the server, specifically, after receiving an order placing request of the user for the target service, determine a payment method of the user for the target service, create and send a payment order to the user according to the service information of the target service and the payment method, and obtain a payment request submitted by the user for the payment order.

And step S104, transferring the payment resources in the user resource account to the resource management account of the service party in the first resource mechanism according to the payment request, and freezing the payment resources after transferring the payment resources to the resource management account.

In this embodiment, in order to prevent a service party from causing resource loss of a user by running, and to enhance resource management, the service party applies for a resource account for resource management to a resource mechanism having a hosting right before a third-party platform issues a service, a resource in the resource account is in a frozen state and cannot be used, and in order to improve convenience of resource account management for resource management, an account identifier corresponding to the resource account for resource management has a hosting mark;

the resource mechanism with the hosting authority is a first resource mechanism, a resource account which is opened by the first resource mechanism for the service party and is used for resource management is a resource management account of the service party, namely the resource account in which the resource is frozen and cannot be used is a resource management account; when a server applies for a resource management account, a resource account available for resources needs to be submitted, a first resource mechanism establishes a hosting relation between the resource management account and the resource account, and after receiving an allocation instruction, the first resource mechanism unfreezes allocated resources in the resource management account and transfers the resources to a resource account of the server, so that the server has the right of use of the allocated resources; optionally, the first resource mechanism and a second resource mechanism to which the resource account of the service party belongs are the same resource mechanism; furthermore, the first resource mechanism may also be a different resource mechanism than the second resource mechanism.

After obtaining the resource management account opened by the first resource mechanism, the service party submits an account identifier to the server, so that the payment resource in the user resource account is transferred to the resource account provided by the service party and capable of performing resource management, and in order to ensure the validity of the resource management account provided by the service party and prevent the account provided by the service party from being a non-resource management account, that is, an account in which the resource can be used, and further effective escrow of the payment resource cannot be realized, in an optional implementation manner provided by this embodiment, the resource management account is determined in the following manner: verifying whether the account identifier to be verified submitted by the service party is marked with a trusteeship mark; if yes, determining the resource account corresponding to the account identifier to be checked as the resource management account; and if not, returning an account exception prompt to the service party.

Specifically, after the account identifier to be checked submitted by the service party is obtained, whether the account identifier to be checked has the escrow mark is checked, and if yes, an account corresponding to the account identifier to be checked is determined as a resource management account; if not, returning an account exception prompt to the service party; in addition, in order to further ensure the validity of the resource management account provided by the service party, if the identifier of the account to be checked has the hosting mark, a checking request is sent to the first resource mechanism to which the resource management account belongs, so that the first resource mechanism checks whether the resource account to be checked is an effective account opened by the first resource mechanism; if the verification result returned by the first resource mechanism is that the verification is passed, determining the resource account corresponding to the account identifier to be verified as the resource management account; and if the verification result returned by the first resource mechanism is that the verification is not passed, returning an account exception prompt to the service party.

In specific implementation, after a payment request of a user for a payment order is acquired, a user resource account identifier bound with the user identifier carried in the payment request is inquired, and payment resources in the user resource account are transferred to a resource management account of a service party in a first resource mechanism according to the payment resource amount recorded in the payment order; because the server and the first resource mechanism belong to different service platforms, when resource exchange occurs, a certain commission charge needs to be generated due to the use of the intermediate account of the server, so that when a service party signs a cooperation agreement with a third party payment platform corresponding to the server, a fixed proportion (namely, a rate) of resources paid for each transaction can be agreed as the commission charge for the transaction, and the transaction commission charge for each transaction can also be agreed.

In an optional implementation manner provided by this embodiment, in the process of transferring the payment resource in the user resource account to the resource management account of the service party at the first resource mechanism, the following operations are performed:

transferring the payment resources corresponding to the payment order in the user resource account to an intermediate account of a third resource mechanism;

determining an intermediate resource amount according to the resource amount and the resource rate recorded in the payment order, and calculating a real payment resource amount based on the payment resource amount and the intermediate resource amount;

and transferring the resource corresponding to the real payment resource amount in the intermediate account to the resource management account.

The intermediate account is a resource account managed by the server, and the third resource mechanism and the first resource mechanism may be the same resource mechanism or different resource mechanisms.

For example, the total curriculum cost recorded in the payment order of the user is 1000 yuan, the user resource account identifier of the user is inquired according to the user identifier carried in the payment request of the user for the payment order, 1000 yuan in the user resource account is transferred to an intermediate account of a third resource mechanism according to the user resource account identifier, the commission fee to be deducted is calculated to be 10 yuan according to the 1% rate, and the remaining 990 yuan is transferred to the resource management account of the first resource mechanism of the education mechanism.

It should be noted that the resource management account of the service party at the first resource institution includes a trusted account of the service party under the escrow account of the first resource institution, a service resource management account of the service party at the first resource institution, or a dedicated resource account of the service party at the first resource institution.

Wherein, the escrow account of the first resource mechanism is applied by the third party platform, and escrow sub-users of a plurality of service parties are subordinate to the escrow account, such as: the education management institution applies for a custody account with a financial institution, under which a plurality of custody sub-users of each of the education institutions exist. The service account of the service party at the first resource institution is a resource account which is applied by the service party at the first resource institution and used for resource management, such as a fund management account which is applied by the education institution at the financial institution in an online or offline manner. The dedicated resource account applied by the service party at the first resource institution refers to a dedicated account applied by the service party at the first resource institution and specially used for managing the corresponding service, such as a schooling fee dedicated account or a schooling fee storage and management account applied by the education institution at the financial institution and used for managing the schooling fee in the education service scene.

Based on this, in an optional implementation manner provided in this embodiment, if the resource management account of the service party in the first resource mechanism is the escrow account of the third-party platform under the escrow account of the first resource mechanism, in the process of transferring the payment resource in the user resource account to the resource management account of the service party in the first resource mechanism, the payment resource corresponding to the payment order in the user resource account is transferred to the escrow account of the third-party platform under the first resource mechanism, so that after the third-party platform performs the accounting process, the payment resource corresponding to the payment order is transferred to the escrow sub-account of the service party under the escrow account;

if the resource management account of the first resource mechanism of the service party is a resource account applied to the first resource mechanism by the service party online and/or offline for resource management or a resource account dedicated to a certain service item, transferring the payment resource in the user resource account to the resource management account of the first resource mechanism of the service party, and transferring the payment resource corresponding to the payment order in the user resource account to the service resource management account or the dedicated resource account applied by the first resource mechanism of the service party in the process of transferring the payment resource in the user resource account to the resource management account of the first resource mechanism of the service party.

After the payment resources in the user resource account are transferred to the resource management account, in order to enable the resource account of the service party to receive the corresponding allocated resources in time, after the fulfillment condition of the service period of the target service is triggered, an allocation instruction is generated and sent to the first resource mechanism, so that the first resource mechanism allocates the allocated resources to the resource account of the service party, and the service party has the right of use of the resources in the resource account.

In an optional implementation manner provided by this embodiment, in order to improve the perception degree of the user, after transferring the payment resource to the resource management account of the service party in the first resource mechanism (i.e. the resource management account of the service party), the following steps are further performed:

sending a confirmation prompt to the user according to a service party confirmation instruction of the service party for the service period;

if a user confirmation instruction of the user for the confirmation prompt is detected, determining that a performance condition of the service period is triggered;

specifically, the fulfillment condition of the service period of the target product may be determined whether to be triggered according to confirmation instructions of the service party and the user; in the process of detecting whether the fulfillment condition is triggered, after confirming that a user participates in a corresponding service period, a service side submits a service side confirmation instruction for the service period, in order to improve the perception degree of the user and prevent the service side from submitting the service side confirmation instruction to cause user loss and influence user experience under the condition that the user does not participate in the service period, after receiving the service side confirmation instruction, a confirmation prompt is sent to the user to enable the user to confirm whether the user participates in the service period, and after receiving the user confirmation instruction submitted by the user through the confirmation prompt, the fulfillment condition of the user for a target service in the service period is triggered is determined.

For example, after receiving a merchant confirmation instruction of the 1 st class of the target course submitted by the user through the teaching and cultivating mechanism, generating a confirmation prompt of the 1 st class of the target course and sending the confirmation prompt to the user so as to confirm the user, and if the user submits the user confirmation instruction through the confirmation prompt, determining that the fulfillment condition of the 1 st class of the target course is triggered; and if the user submits a user cancel instruction through the confirmation prompt, sending an exception prompt to the education mechanism so that the education mechanism can negotiate and confirm with the user offline.

Alternatively, the performing condition of the service term of the target product may also be determined whether to be triggered according to whether a preset performing time is reached, that is, if it is detected that the performing time of the service term is reached, it is determined that the performing condition of the service term is triggered.

Specifically, whether the installments payment time recorded in the payment agreement is reached is detected, and if the installments payment time is detected to be reached, the fulfillment condition of the service installments is determined to be triggered.

For example, if the user selects a payment mode of staged payment to pay the target course, the target course is paid in 5 stages, 200 yuan per stage and one stage per month is paid, and the payment time per stage is recorded in the corresponding payment agreement, it is determined that the performance condition of the stage is triggered when the arrival of the staged payment time per stage is detected.

In addition, a third-party platform may detect whether a fulfillment condition of a service period is triggered, and in an optional implementation manner provided in this embodiment, after transferring a payment resource to a resource management account of a service party, a resource transfer result is synchronized to the third-party platform; correspondingly, after receiving the resource transfer result, the third-party platform executes the following operations: sending a confirmation prompt to the user according to a service party confirmation instruction of the service party for the service period; if a user confirmation instruction of the user for the confirmation prompt is detected, determining that a performance condition of the service period is triggered; or detecting that the performance time of the service period is reached, determining that the performance condition of the service period is triggered. And after determining that the performance condition is triggered, the third-party platform synchronizes a performance confirmation instruction to the server so that the server generates an allocation instruction according to the performance confirmation instruction.

And step S106, after the fulfillment condition of the service period of the target service is triggered, generating a transfer instruction of the service period.

In the embodiment, the performance management capacity is increased by decoupling the order receiving capacity and the settlement capacity, the performance settlement capacity is provided while the order receiving capacity is provided, and the cooperation with a multi-resource mechanism is realized; the step S102 is executed to obtain a payment request of a payment order corresponding to a target service provided by a user for a service provider, and the step S104 is executed to transfer payment resources in a user resource account to a resource management account of the service provider in a first resource mechanism according to the payment request, wherein the payment resources are frozen to realize order receiving capability after being transferred to the resource management account; after the order is received, by executing step S106, after a fulfillment condition of the service period of the target service is triggered, generating an allocation instruction of the service period, and step S108, sending the allocation instruction to the first resource institution, so as to perform resource allocation processing from the resource management account to a resource account of the second resource institution of the service party, thereby implementing fulfillment settlement capability.

In specific implementation, after a fulfillment condition of the service period of the target service is triggered, an allocation instruction of the service period is generated and sent to the first resource mechanism, so that the first resource mechanism transfers allocated resources to a resource account of the service party in the second resource mechanism according to the allocation instruction, and the service party can actually use the allocated resources. In order to improve convenience of managing the payment order and also improve a perception degree of a subsequent server for the payment order in an account checking process, in an optional implementation manner provided by this embodiment, in a process of generating the service period number of transfer instructions, the following operations are performed: creating a performance order for the user for the service period; associating the fulfillment ticket to the payment order and generating the transfer instruction based on the fulfillment ticket.

Specifically, after a fulfillment condition of a service period is triggered, a fulfillment list of a user for the service period is created, and the fulfillment list records period information of the service period, an amount of allocated resources, a user identifier, a service party identifier and/or a resource management account identifier; associating the fulfillment bill to the payment order, and generating a transfer instruction based on the content recorded in the fulfillment bill; wherein, the transfer instruction carries a fulfillment list identifier, a resource amount to be transferred, a service party identifier and/or a resource management account identifier.

In order to improve the perception degree of the server for the payment process of the payment order, the payment order may be checked, and in an optional implementation manner provided by this embodiment, in the process of checking the account by the server, the following operations are performed: inquiring a performance order related to the payment order according to the reconciliation request of the service party for the payment order; and sending the fulfilling party to the service party so as to enable the service party to perform reconciliation processing.

Step S108, the transfer instruction is sent to the first resource mechanism, so that the resource management account carries out resource transfer processing on a resource account of a second resource mechanism of the service party.

The second resource mechanism is a resource mechanism to which the resource account of the service party belongs, and optionally, the first resource mechanism and the second resource mechanism are the same resource mechanism. Further, the second resource mechanism may also be a different resource mechanism than the first resource mechanism.

In specific implementation, after the transfer instruction is generated, the transfer instruction is sent to the first resource mechanism, so that the first resource mechanism transfers the transferred resources in the resource management account to the resource account of the second resource mechanism of the service party. In an optional implementation manner provided in this embodiment, after receiving the allocation instruction, the first resource mechanism performs resource allocation processing in the following manner:

querying a resource account having a hosting relationship with the resource management account in a hosting relationship list of a first resource institution;

and unfreezing the allocated resources corresponding to the allocation instruction in the resource management account and transferring the resources to the inquired resource account.

Specifically, after receiving the transfer instruction, if the transfer instruction carries a resource management account identifier, the first resource mechanism firstly queries a resource account having a hosting relationship with the resource management account, and then transfers the resources in the resource management account to the resource account of the service party based on the amount of the transferred resources carried in the transfer instruction; if the transfer instruction does not carry the resource management account identifier but carries the service party identifier, firstly inquiring the resource management account of the service party according to the service party identifier, and then reading the resource account having a hosting relation with the resource management account; and transferring the resources in the resource management account to the resource account of the service party based on the allocated resources carried in the allocation instruction.

For example, the user selects to pay the target course according to the payment mode, and in the case of detecting that the confirmation prompt of the user for the 1 st course submits a user confirmation instruction, the fulfillment condition of the 1 st course of the target course is determined to be triggered, a fulfillment order of the 1 st course of the user is created based on the details of the 1 st course and 100 yuan to be paid, the fulfillment order is associated with the payment order of the user for the target course, a transfer instruction is generated based on the fulfillment order identification of the fulfillment order, the expense identification of 100 yuan and the resource management account of the education institution, and is sent to the first resource institution to which the resource management account belongs, after the first resource institution receives the transfer instruction, the resource account of the education institution with the hosting relationship in the resource management account is inquired, then 100 yuan in the resource management account is defrosted and transferred to the resource account of the education institution, so that the education mechanism has the use right of the 100 yuan.

In practical application, after a user pays a full amount of fee to a service party, the service party interrupts service provision, or the user cannot continue to experience the service provided by the service party due to an unexpected situation in the midway, and in such a situation, the paid fee of the user is difficult to return, so that the user has a certain worry.

In specific implementation, a user may submit a return request through an application program corresponding to the server, and may also submit a return request through a third-party platform, and the following two ways of submitting a return request by a user and the processing procedure thereof are specifically described.

In a first optional implementation manner provided by this embodiment, the following operations are performed when the resource is retired:

after a return request of the user is detected, calculating a real return resource amount of the user for the payment order according to the payment order and a fulfillment order associated with the payment order;

sending a return instruction to the first resource mechanism according to the real-back resource amount so as to transfer a return resource corresponding to the real-back resource amount in the resource management account to an intermediate account of a third resource mechanism;

and transferring the returned resource to the user resource account after detecting that the intermediate account receives the returned resource.

Specifically, the resource transferred to the service side is the resource corresponding to the service period in which the user has participated, so that the resource paid by the user and in the resource management account is returned when the resource is returned; on the basis, after a return request of a user for a payment order is obtained, a fulfillment order associated with the payment order is inquired, a real-quit resource amount of the user is calculated based on the payment resource amount recorded in the payment order and the fulfillment resource amount recorded in each fulfillment order, a return instruction is sent to a first resource mechanism according to the real-quit resource amount, a resource management account identifier of a service party and an intermediate account identifier, the first resource mechanism unfreezes return resources corresponding to the real-quit resource amount in a resource management account and transfers the return resources to an intermediate account corresponding to the intermediate account identifier, and a server transfers the return resources to a user resource account after receiving a synchronous resource receiving prompt of a third resource mechanism to which the intermediate account belongs; and the resource receiving reminder is generated and synchronized to the server after the third resource mechanism detects that the intermediate account receives the returned resource.

For example, a return request for a payment order of a target course submitted by a user is received, 5 fulfillment orders associated with the payment order are read, the actual return fee amount of the user is calculated and obtained to be 490 yuan according to 1000 yuan of total course fee recorded in the payment order, fulfillment fee recorded in the 5 fulfillment orders and commission charge of 10 yuan, a return instruction is sent to a first resource organization based on 490 yuan of fee identification and resource management account identification of a teaching organization, and the first resource organization unfreezes 490 yuan in a resource management account and transfers the 490 yuan to an intermediate account after receiving the return instruction; and after receiving the resource receiving prompt synchronized with the third resource mechanism to which the intermediate account belongs, the server generates a refund order for the user and transfers 490 yuan in the intermediate account to the user resource account so as to respond to the refund request of the user for the payment order.

In an optional implementation manner provided in this embodiment, after the return instruction is sent to the first resource mechanism according to the amount of the real return resource, if the intermediate account does not receive the return resource within a preset time, resource payment processing is performed on the intermediate account according to the amount of the real return resource. Specifically, a return order is generated based on the return request, and the return order is marked as a return-substituted state; transferring the substitute return resource corresponding to the real return resource amount to the user resource account from the intermediate account based on the return order; and marking the returned order as a returned state after detecting that the intermediate account receives the returned resources.

For example, the preset response time of the first resource mechanism is one minute, if the resource receiving reminder synchronized by the third-party resource mechanism is not received after one minute, the intermediate account pays for the returned resource, and the intermediate account stores the returned resource transferred from the resource management account by the first resource mechanism after receiving the returned resource.

In a second optional implementation manner provided by this embodiment, the following operations are performed when the resource is retired:

acquiring a return request of the user for the payment order synchronized by a third-party platform, and inquiring a fulfillment form associated with the payment order based on the return request;

if the query result is not empty, calculating the amount of real-quit resources of the user for the target service according to the payment order and the queried fulfillment order; checking whether the real returned resource amount is consistent with the pre-returned resource amount carried in the returned request; if yes, sending a return instruction carrying the amount of the pre-returned resource to the first resource mechanism; if not, synchronously checking a failure result to the third-party platform;

if the query result is null, checking whether the amount of the pre-returned resource is consistent with the amount of the resource recorded in the payment order; if the amount of the pre-quit resources is consistent, sending a return instruction to the first resource mechanism based on the amount of the pre-quit resources so as to unfreeze return resources corresponding to the amount of the pre-quit resources in the resource management account and transfer the return resources to an intermediate account of a third resource mechanism; after the intermediate account is detected to receive the returned resources, a returned order is generated according to the returned request; transferring the returned resources received by the intermediate account to the user resource account based on the generation of the returned order; and if the verification result is inconsistent with the verification result, synchronously checking the failure result for the third-party platform.

Specifically, after a user submits a return request for a payment order through a third-party platform, the third-party platform synchronizes the return request to a server, the server inquires a fulfillment order associated with the payment order after acquiring the return request, if the inquiry result is empty, the amount of real-time returned resources is determined only according to the amount of the payment resources and the commission charge recorded in the payment order, if the inquiry result is not empty, the amount of real-time returned resources is determined according to the amount of the payment resources, the commission charge recorded in the payment order and a fulfillment resource identifier recorded in the inquired fulfillment order, and after the amount of real-time returned resources is obtained through calculation, whether the amount of real-time returned resources is consistent with the amount of pre-returned resources carried in the return request submitted by the user is verified; if the real returned resource amount is consistent with the real returned resource amount, judging that the user belongs to normal return, generating a return instruction based on the real returned resource amount and the resource management account identifier of the service party, and sending the return instruction to the first resource mechanism so that the first resource mechanism transfers the return resource corresponding to the real returned resource amount to the intermediate account; if the real-returned resource amount is inconsistent with the real-returned resource amount, judging that the user returns abnormally, and synchronously checking a failure result to the third-party platform so that the third-party platform sends a confirmation prompt of the real-returned resource amount to the user;

if the amount of the pre-quit resources is larger than the amount of the real-quit resources, synchronously reminding an exception to a third-party platform so that the third-party platform sends an exception reminding of the amount of the pre-quit resources to a user; the user can re-input the amount of the pre-quit resource through abnormal reminding;

if the amount of the pre-quit resources is smaller than the amount of the real-quit resources, a prompt to be confirmed is synchronized to the third-party platform, so that the third-party platform sends the prompt to be confirmed to the user; the user can select the real-quit resource amount to perform resource return through the prompt to be confirmed, and can also select to return the resource corresponding to the pre-quit resource amount.

In an optional implementation provided by this embodiment, after receiving the return instruction, the first resource mechanism performs the following operations: firstly, inquiring the resource management account according to a service party identifier carried in the return instruction; and transferring the returned resources corresponding to the amount of the pre-returned resources in the resource management account to an intermediate account corresponding to an intermediate account identifier carried in the returned instruction. It should be noted that, if the resource management account identifier is carried in the return instruction, the first resource mechanism transfers the returned resource in the resource management account to the intermediate account according to the return instruction.

For example, the third party platform synchronizes the return request to the server when obtaining the return request of the user for the payment order of the target course, after receiving the return request, the server firstly queries the fulfillment order associated with the payment order, under the condition that 5 fulfillment orders are inquired, according to 1000 yuan of payment cost recorded in a payment order, and the fulfillment resource amount and the commission charge 10 yuan recorded in the 5 fulfillment orders, 490 yuan of real refund fee of a user is obtained through calculation, 490 yuan of verified refund fee is smaller than 500 yuan of pre-refund fee carried in a refund request, a verification failure prompt that the amount of the pre-refund fee is larger than the amount of the real refund fee is synchronized to a third-party platform, and the third-party platform sends an abnormal prompt to the user according to the verification failure prompt, so that the user re-inputs the amount of the pre-refund fee through the abnormal prompt or directly selects the amount of the real refund fee to carry out fee refund.

Or, the check-verification-return-fee amount 490 is greater than the pre-return-fee amount 450 carried in the return request, in order to improve the perception degree of the user on the real-return-fee amount, a check-failure prompt that the pre-return-fee amount is smaller than the real-return-fee amount is synchronized to a third-party platform, the third-party platform sends a prompt to be confirmed to the user according to the check-failure prompt, and the user can select to return the fee according to the pre-return-fee amount through the prompt to be confirmed or can select to return the fee according to the real-return-fee amount.

Or else, verifying that the real refund fee amount is equal to the pre-refund fee amount carried in the refund request or that the refund fee amount is not carried in the refund request, sending a refund instruction to the first resource mechanism according to the real refund fee amount of 490 yuan based on the 490 yuan fee identification and the resource management account identification of the education institution, and unfreezing and transferring the 490 yuan in the resource management account to an intermediate account after the first resource mechanism receives the refund instruction; and after receiving the resource receiving prompt synchronized with the third resource mechanism to which the intermediate account belongs, the server generates a refund order for the user and transfers 490 yuan in the intermediate account to the user resource account so as to respond to the refund request of the user for the payment order.

In addition, from the perspective of the service party, the service party can actively return the remaining resources to the user, so that the user service experience of the service party is improved, and the user retention rate of the service party is improved.

The following takes an application of the resource processing method provided in this embodiment in a education service scenario as an example, and further describes the resource processing method provided in this embodiment, referring to fig. 2, the resource processing method applied in the education service scenario specifically includes the following steps.

Step S206, a payment request for the payment order synchronized by the third-party platform after the payment instruction of the user is detected is obtained.

Before that, the third-party platform determines the payment mode of the user for the target course according to the ordering request of the user for the target course provided by the education mechanism; and creating a payment order according to the payment mode and the order placing request.

And step S208, transferring the payment resources in the user resource account to a resource management account of the education institution in the first resource institution according to the payment request.

The first resource mechanism is a resource mechanism with a hosting authority, the resources in the resource management account are in a frozen state, and the payment resources are frozen after being transferred to the resource management account.

And step S210, synchronizing the successful resource transfer result to the third-party platform.

Then, the third-party platform generates a confirmation prompt and sends the confirmation prompt to the user according to a service party confirmation instruction of the education mechanism aiming at the service period of the target course; if a user confirmation instruction for confirming the reminding by the user is detected, determining that a performance condition of the service period is triggered; synchronizing a fulfillment confirmation instruction to the server based on the triggering of the fulfillment condition.

Step S218, according to the fulfillment confirmation instruction, creating a fulfillment form for the service period of the user, and associating the fulfillment form to the payment order.

Step S220, generating a transfer instruction based on the fulfillment form and sending the transfer instruction to the first resource institution so as to perform resource transfer processing on a resource account of the second resource institution from the resource management account to the education institution.

On the basis of the above steps S202 to S220, the user may further apply for resource return, and refer to a processing sequence diagram of the resource return process in the education service scenario shown in fig. 3 for a process of resource return for a return request submitted by the user, where the resource return process specifically includes the following steps.

Step S306, inquiring a fulfillment form associated with the payment order according to the return request.

Before the step, the third-party platform acquires a return request submitted by a user for a payment order of the target course provided by the education mechanism; wherein, the return request carries the amount of the pre-returned resource; a return request for the payment order is synchronized to a server.

Step S308, calculating the amount of the real-quit resources of the payment order by the user based on the payment order and the performance order.

Step S310, checking whether the amount of the pre-returned resource is consistent with the amount of the real-returned resource;

if yes, go to step S312 to step S318;

and if the verification result is inconsistent with the verification result, synchronizing the verification failure result to the third-party platform.

Step S312, a return instruction is generated based on the real-back resource amount and the teaching and cultivating mechanism identification and is sent to the first resource mechanism, so that the return resource corresponding to the real-back resource amount is transferred to the intermediate account from the resource management account.

And the intermediate account is a resource account corresponding to the intermediate account identifier carried in the return instruction.

Step S314, after detecting that the intermediate account receives the returned resource, generating a returned order according to the returned request.

Step S316, transferring the returned resources in the intermediate account to the user resource account based on the generation of the returned order.

Step S318, the return result is synchronized to the third party platform, so that the third party platform displays the return result to the user.

To sum up, in the resource processing method provided in this embodiment, first, a payment request of a payment order corresponding to a target service provided by a service party is obtained by a user, then, according to the payment request, payment resources in a user resource account are transferred to a resource management account of the service party in a first resource mechanism, the payment resources are frozen after being transferred to the resource management account, then, after a fulfillment condition of a service duration of the target service is triggered, an allocation instruction of the service duration is generated, and finally, the allocation instruction is sent to the first resource mechanism, so that the resource allocation processing is performed from the resource management account to the resource account of a second resource mechanism by the service party, thereby, the order receiving and settlement capabilities of the server are decoupled, the fulfillment management capability of the server is increased, while the order receiving capability is provided, the fulfillment settlement capability is provided to perform the management of the fulfillment resources, and cooperation with multiple resource mechanisms is achieved, the perception degree of the user to the whole service process of the target service is improved, and the situation that the resources of the user cannot be recovered under the running condition of the service side is prevented.

Another embodiment of a resource processing method provided in this specification:

referring to fig. 4, which shows a processing flow chart of a resource processing method provided by this embodiment, referring to fig. 2, which shows a processing sequence chart of a resource processing method applied to a education service scenario provided by this embodiment, referring to fig. 3, which shows a processing sequence chart of a resource returning process in a education service scenario provided by this embodiment.

Referring to fig. 4, the resource processing method provided in this embodiment specifically includes steps S402 to S406.

The execution main body of the resource processing method provided in this embodiment is a third-party platform, and the execution main body of the resource processing method provided in this embodiment is a server.

Step S402, determining the payment mode of the target service according to the order placing request of the target service provided by the service party from the user.

The service aspect provides services for the user, and the service selected by the user from the plurality of services provided by the service party is a target service, such as an online course or offline training provided by a education and education mechanism, a fitness course provided by a fitness service party, and a beauty course or beauty treatment service provided by a beauty service party. Optionally, the target service includes a network course service; the service period of the target service comprises a single-period course and/or a single-time course of the network course service.

Step S404, a payment order is created based on the payment mode and the order placing request, and the payment request of the payment order is synchronized to a server according to the payment instruction of the user.

The method comprises the following steps that a user determines target service and places an order through a third-party platform, when an order placing request of the user for the target service is detected, a payment mode of the user for the target service is determined through interaction with the user, after the payment mode is obtained, a payment order is created based on the payment mode and the order placing request, and a payment request for the payment order is synchronized to a server according to a payment instruction of the user; wherein the payment order is created in the following way: determining a payment mode of the target service according to the order placing request of the user to the target service; and creating the payment order based on the payment mode and the order placing request.

Specifically, after an access request submitted by a user through scanning a service identification code is detected, a service access page of a service party to which the service identification code belongs is issued to the user according to the access request, a placing request of the user for a target service of the service party is received, a payment mode configuration prompt is displayed to the user according to payment resource information carried in the placing request, after a payment mode input by the user is obtained, in order to improve the perception degree of the user on the payment process of the target service and improve the management effectiveness, a payment protocol can be generated based on the payment mode and the service information of the target service, the payment protocol is validated and a payment order is created based on a signing instruction of the user, and a payment request for the payment order is synchronized to a server based on the payment instruction of the user.

For example, after detecting that a user scans a merchant identification code of a education institution and sends a service access page of the education institution to the user, after acquiring a target course selected by the user and containing 10 courses, determining a payment mode to be pay-per-time according to the total course cost of the target course of 1000 yuan and the interaction of the user, each time of 100 yuan, creating a payment order based on the service information of the target course and the payment mode of the pay-per-time and sending the payment order to the user, and after acquiring a payment instruction of the user, synchronizing a payment request for the payment order to a server.

It should be noted that the payment order in this embodiment may also be created by the server, specifically, after receiving an order placing request of the user for the target service, the server determines a payment method of the user for the target service, creates the payment order according to the service information of the target service and the payment method, and sends the payment order to the user, so as to obtain a payment request submitted by the user for the payment order.

After acquiring a payment request of a user for a payment order, a server transfers payment resources in a user resource account to a resource management account of a server side in a first resource mechanism according to the payment request, and the payment resources are frozen after being transferred to the resource management account.

In this embodiment, in order to prevent a service party from causing resource loss of a user by running, and in order to respond to a management requirement, the service party applies for a resource account for resource management to a resource mechanism having a hosting authority before a third-party platform issues a service, resources in the resource account are in a frozen state and cannot be used, and in order to improve convenience of resource account management for resource management, an account identifier corresponding to the resource account for resource management has a hosting mark;

After obtaining the resource management account opened by the first resource mechanism, the server submits an account identifier to the server, so that the payment resource in the user resource account is transferred to the resource account provided by the server and capable of performing resource management, and in order to ensure the validity of the resource management account provided by the server, the account provided by the server is prevented from being a non-resource management account, that is, the resource therein can be used, and further effective escrow of the payment resource cannot be realized, in this embodiment, the resource management account and the server are determined in the following manner:

verifying whether the account identifier to be verified submitted by the service party is marked with a trusteeship mark;

if yes, determining the resource account corresponding to the account identifier to be checked as the resource management account;

and if not, returning an account exception prompt to the service party.

Specifically, after acquiring the account identifier to be checked submitted by the service party, the server checks whether the account identifier to be checked has a hosting mark, and if so, determines an account corresponding to the account identifier to be checked as a resource management account; if not, returning an account exception prompt to the service party; in addition, in order to further ensure the validity of the resource management account provided by the service party, if the identifier of the account to be checked has the hosting mark, a checking request is sent to the first resource mechanism to which the resource management account belongs, so that the first resource mechanism checks whether the resource account to be checked is an effective account opened by the first resource mechanism; if the verification result returned by the first resource mechanism is that the verification is passed, determining the resource account corresponding to the account identifier to be verified as the resource management account; and if the verification result returned by the first resource mechanism is that the verification is not passed, returning an account exception prompt to the service party.

In specific implementation, after acquiring a payment request of a user for a payment order, a server inquires a user resource account identifier bound with the user identifier carried in the payment request, and transfers payment resources in the user resource account to a resource management account of a service party in a first resource mechanism according to the payment resource amount recorded in the payment order; because the server and the first resource mechanism belong to different service platforms, when resource exchange occurs, a certain commission charge needs to be generated due to the use of the intermediate account of the server, so that when a service party signs a cooperation agreement with a third party payment platform corresponding to the server, a fixed proportion (namely, a rate) of resources paid for each transaction can be agreed as the commission charge for the transaction, and the transaction commission charge for each transaction can also be agreed.

In this embodiment, in the process of transferring the payment resource in the user resource account to the resource management account of the service party in the first resource mechanism, the following operations are performed:

For example, the total curriculum cost recorded in the payment order of the user is 1000 yuan, the server queries the user resource account identifier of the user according to the user identifier carried in the payment request of the user for the payment order, transfers 1000 yuan in the user resource account to an intermediate account of a third resource mechanism according to the user resource account identifier, calculates the deductive commission charge to be 10 yuan according to the rate of 1%, and transfers the remaining 990 yuan to the education mechanism in the resource management account of the first resource mechanism.

It should be noted that the resource management account of the service party in the first resource mechanism includes a management account of the service party in the hosting account of the first resource mechanism, a service resource management account of the service party in the first resource mechanism, or a dedicated resource account of the service party in the first resource mechanism;

if the resource management account of the service party in the first resource mechanism is the resource account applied by the service party in the first resource mechanism for resource management or the resource account specially used for managing the corresponding service, in the process of transferring the payment resource in the user resource account to the resource management account of the service party in the first resource mechanism, transferring the payment resource corresponding to the payment order in the user resource account to the service resource management account or the special resource account applied by the service party in the first resource mechanism.

After the payment resources in the user resource account are transferred to the resource management account, in order to enable the resource account of the service party to receive the corresponding allocated resources in time, after the fulfillment condition of the service period of the target service is triggered, an allocation instruction is generated and sent to the first resource mechanism, so that the first resource mechanism allocates the allocated resources to the resource account of the service party, and the service party has the right of use of the resources in the resource account. Optionally, the target service includes a network course service; the service period of the target service comprises a single-period course and/or a single-time course of the network course service.

In this embodiment, after transferring the payment resource to the resource management account of the service party in the first resource mechanism (i.e. the resource management account of the service party), the server further performs the following steps:

alternatively, the first and second electrodes may be,

determining that a performance condition of the installment is triggered if it is detected that a performance time of the installment has been reached.

Specifically, the fulfillment condition of the service period of the target product may be determined whether to be triggered according to the confirmation instruction of the service party and the user, or may be determined whether to be triggered according to whether the preset fulfillment time is reached;

if the confirmation is carried out according to the confirmation instructions of the service party and the user, the service party submits the confirmation instruction of the service party aiming at the service period after confirming that the user participates in the corresponding service period, in the process, in order to improve the perception degree of the user and prevent the service party from submitting the confirmation instruction of the service party under the condition that the user does not participate in the service period to cause the loss of the user and influence the user experience, the server sends a confirmation prompt to the user after receiving the confirmation instruction of the service party so that the user confirms whether to participate in the service period, and the server receives the confirmation instruction of the user submitted by the confirmation prompt and determines that the performance condition of the user aiming at the target service in the service period is triggered.

And if the achievement condition of the service term is determined to be triggered according to whether the preset achievement time is reached, detecting whether the installment payment time recorded in the payment protocol is reached, and if the installment payment time is detected to be reached, determining that the achievement condition of the service term is triggered.

Step S406, after detecting that the service provider confirms the instruction for the service provider of the service period of the target service, determining that the fulfillment condition of the service period is triggered.

In this embodiment, the third-party platform may further detect whether a fulfillment condition of the service period is triggered, and the server synchronizes a resource transfer result to the third-party platform after transferring the payment resource to the resource management account of the service party; correspondingly, after receiving the resource transfer result, the third-party platform executes the following operations:

alternatively, the first and second electrodes may be,

And after determining that the performance condition is triggered, synchronizing a performance confirmation instruction to the server so that the server generates an allocation instruction according to the performance confirmation instruction.

In an optional implementation manner provided by this embodiment, after detecting that the service provider confirms the instruction for the service provider of the service period of the target service, in a process of determining that the fulfillment condition of the service period is triggered, the following operations are performed:

after a server confirmation instruction aiming at the service period of the target service is detected, a confirmation prompt is sent to the user;

and if a user confirmation instruction of the user for the confirmation prompt is detected, determining that the fulfillment condition is triggered.

Further, synchronizing a fulfillment confirmation instruction to the server if it is determined that a fulfillment condition is triggered;

correspondingly, after receiving the fulfillment confirmation instruction, the server performs the following operations:

creating a fulfillment order for the service period of the user and associating the fulfillment order to the payment order;

and generating an allocation instruction based on the fulfillment list, and sending the allocation instruction to a first resource mechanism to which a resource management account of the service party belongs so as to perform resource allocation processing from the resource management account to a resource account of a second resource mechanism of the service party.

In specific implementation, after a fulfillment condition of a service period of a target service is triggered, a server generates an allocation instruction of the service period and sends the allocation instruction to a first resource mechanism, so that the first resource mechanism transfers allocated resources to a resource account of a service party in a second resource mechanism according to the allocation instruction, and the service party can actually use the allocated resources. In order to improve the convenience of payment order management and the perception degree of a subsequent service party on a payment order in the reconciliation process, in the process of generating the transfer instruction of the service period time, the server executes the following operations:

creating a performance order for the user for the service period;

associating the fulfillment ticket to the payment order and generating the transfer instruction based on the fulfillment ticket.

And after generating an allocation instruction, the server sends the allocation instruction to the first resource mechanism so as to perform resource allocation processing on a resource account of a second resource mechanism from the resource management account to the server.

In specific implementation, after the server generates the transfer instruction, the transfer instruction is sent to the first resource mechanism, so that the first resource mechanism transfers the transferred resources in the resource management account to the resource account of the second resource mechanism of the server. In an optional implementation manner provided in this embodiment, after receiving the allocation instruction, the first resource mechanism performs resource allocation processing in the following manner:

For example, when the user selects to pay the target course according to the payment mode, the server detects that the confirmation prompt of the user for the 1 st course is submitted to a user confirmation instruction, the server determines that the fulfillment condition of the 1 st course of the target course is triggered, creates a fulfillment order of the 1 st course of the user based on the details of the 1 st course and 100 yuan to be paid, associates the fulfillment order to a payment order of the target course of the user, generates a transfer instruction based on the fulfillment order identification of the fulfillment order, the expense identification of 100 yuan and the resource management account of the education institution, and transmits the transfer instruction to the first resource institution to which the resource management account belongs, after receiving the transfer instruction, the first resource institution firstly inquires the resource account of the education institution of which the resource management account has a hosting relationship, then defrosts 100 yuan in the resource management account and transfers the defrosted resource account to the resource account of the education institution, so that the education mechanism has the use right of the 100 yuan.

Specifically, the resource transferred to the service side is the resource corresponding to the service period in which the user has participated, so that the resource paid by the user is returned when the resource is returned and is in the resource management account; on the basis, after a return request of a user for a payment order is obtained, a fulfillment order associated with the payment order is inquired, a real-quit resource amount of the user is calculated based on the payment resource amount recorded in the payment order and the fulfillment resource amount recorded in each fulfillment order, a return instruction is sent to a first resource mechanism according to the real-quit resource amount, a resource management account identifier of a service party and an intermediate account identifier, the first resource mechanism unfreezes return resources corresponding to the real-quit resource amount in a resource management account and transfers the return resources to an intermediate account corresponding to the intermediate account identifier, and a server transfers the return resources to a user resource account after receiving a synchronous resource receiving prompt of a third resource mechanism to which the intermediate account belongs; and the resource receiving reminder is generated and synchronized to the server after the third resource mechanism detects that the intermediate account receives the returned resource.

For example, a return request of a user submitting a payment order for a target course is received, 5 fulfillment orders associated with the payment order are read, the actual return charge amount of the user is calculated and obtained to be 490 yuan according to 1000 yuan of total course charge recorded in the payment order, fulfillment charge recorded in the 5 fulfillment orders and commission charge 10 yuan, a return instruction is sent to a first resource mechanism based on 490 yuan of charge identification and resource management account identification of a education institution, and the first resource mechanism unfreezes 490 yuan in a resource management account and transfers the 490 yuan to an intermediate account after receiving the return instruction; and after receiving the resource receiving prompt synchronized with the third resource mechanism to which the intermediate account belongs, the server generates a refund order for the user and transfers 490 yuan in the intermediate account to the user resource account so as to respond to the refund request of the user for the payment order.

Step S202, determining the payment mode of the user for the target course according to the ordering request of the user for the target course provided by the education mechanism.

And step S204, establishing a payment order according to the payment mode and the order placing request.

Then, the server acquires a payment request which is synchronous and aims at the payment order form after the third-party platform detects the payment instruction of the user; transferring the payment resources in the user resource account to a resource management account of the education institution in the first resource institution according to the payment request; and synchronizing the successful resource transfer result to the third-party platform.

And step S212, generating a confirmation prompt according to the service party confirmation instruction of the service period of the target course by the education mechanism, and sending the confirmation prompt to the user.

Step S214, if a user confirmation instruction for confirming the reminder by the user is detected, determining that the performance condition of the service period is triggered.

Step S216, synchronizing a fulfillment confirmation instruction to the server based on the triggering of the fulfillment condition.

Then, the server creates a fulfillment order of the user for the service period according to the fulfillment confirmation instruction, and associates the fulfillment order to the payment order; and generating a transfer instruction based on the fulfillment list and sending the transfer instruction to the first resource institution so as to carry out resource transfer processing on a resource account of the second resource institution from the resource management account to the education institution.

Step S302, a return request submitted by a user for a payment order of a target course provided by a teaching and cultivating mechanism is obtained.

Wherein, the return request carries the amount of the pre-returned resource.

Step S304 synchronizes a return request for the payment order to the server.

Thereafter, the server inquires about a fulfillment form associated with the payment order according to the return request; calculating the amount of real and returned resources of the payment order by the user based on the payment order and the performance order; checking whether the amount of the pre-returned resource is consistent with the amount of the actual returned resource; if not, synchronously checking a failure result to the third-party platform; if the real returned resource amount is consistent with the teaching and cultivating mechanism identifier, generating a return instruction based on the real returned resource amount and the teaching and cultivating mechanism identifier, and sending the return instruction to the first resource mechanism so as to transfer the returned resource corresponding to the real returned resource amount from the resource management account to the intermediate account; after detecting that the intermediate account receives the returned resources, generating a returned order according to the returned request; transferring the returned resources in the intermediate account to the user resource account based on the generation of the returned order; and synchronizing the return result to the third-party platform so that the third-party platform displays the return result to the user.

To sum up, in the resource processing method provided in this embodiment, first, a payment method of a target service is determined according to an order placing request of a user for the target service provided by a server, then a payment order is created based on the payment method and the order placing request, the payment request of the order is synchronously paid to the server according to a payment instruction of the user, and finally, after a confirmation instruction of the server for the service term of the target service is detected, a fulfillment condition of the service term is triggered, so that the order receiving and settlement capabilities of the server are decoupled, the fulfillment management capability of the server is increased, the fulfillment settlement capability is provided while the order receiving capability is provided, and the fulfillment resources are managed, thereby realizing cooperation with a multi-resource mechanism.

An embodiment of a resource processing apparatus provided in this specification is as follows:

in the foregoing embodiment, a resource processing method is provided, and correspondingly, a resource processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a resource processing apparatus provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a resource processing apparatus, including:

a payment request obtaining module 502 configured to obtain a payment request of a payment order corresponding to a target service provided by a user for a service provider;

a payment resource transfer module 504, configured to transfer, according to the payment request, a payment resource in a user resource account to a resource management account of the server at a first resource mechanism, where the payment resource is frozen after being transferred to the resource management account;

a transfer instruction generating module 506 configured to generate a transfer instruction of the service period number after the fulfillment condition of the service period number of the target service is triggered;

a transfer instruction sending module 508 configured to send the transfer instruction to the first resource institution to perform resource transfer processing from the resource management account to the resource account of the service party at the second resource institution.

Another embodiment of a resource processing apparatus provided in this specification is as follows:

Referring to fig. 6, a schematic diagram of a resource processing apparatus provided in this embodiment is shown.

The present embodiment provides a resource processing apparatus, including:

a payment method determination module 602, configured to determine a payment method of a target service provided by a service provider according to an order placing request of a user for the target service;

a payment request synchronization module 604 configured to create a payment order based on the payment method and the order placing request, and synchronize a payment request for the payment order to a server according to a payment instruction of the user;

a confirmation instruction detection module 606 configured to determine that a fulfillment condition of the service period is triggered after detecting that the service party confirms an instruction for the service period of the target service.

corresponding to the above-described resource processing method, based on the same technical concept, one or more embodiments of the present specification further provide a resource processing device, where the resource processing device is configured to execute the above-described resource processing method, and fig. 7 is a schematic structural diagram of a resource processing device provided in one or more embodiments of the present specification.

The present embodiment provides a resource processing device, including:

as shown in fig. 7, the resource processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, where one or more stored applications or data may be stored in the memory 702. Memory 702 may be, among other things, transient storage or persistent storage. The application program stored in memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a resource processing device. Still further, the processor 701 may be arranged in communication with the memory 702 to execute a series of computer-executable instructions in the memory 702 on a resource processing device. The resource processing apparatus may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input/output interfaces 705, one or more keyboards 706, and the like.

In one particular embodiment, a resource processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the resource processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

acquiring a payment request of a payment order corresponding to a target service provided by a service party by a user;

according to the payment request, transferring payment resources in a user resource account to a resource management account of the service party in a first resource mechanism, wherein the payment resources are frozen after being transferred to the resource management account;

generating a transfer instruction of the service period number after the fulfillment condition of the service period number of the target service is triggered;

and sending the transfer instruction to the first resource mechanism so as to transfer the resource from the resource management account to the resource account of the second resource mechanism of the service party.

corresponding to the above-described resource processing method, based on the same technical concept, one or more embodiments of the present specification further provide a resource processing device, where the resource processing device is configured to execute the above-described resource processing method, and fig. 8 is a schematic structural diagram of a resource processing device provided in one or more embodiments of the present specification.

The present embodiment provides a resource processing device, including:

as shown in fig. 8, the resource processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 801 and a memory 802, where one or more stored applications or data may be stored in the memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a resource processing device. Still further, the processor 801 may be arranged in communication with the memory 802 to execute a series of computer executable instructions in the memory 802 on a resource processing device. The resource processing apparatus may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input/output interfaces 805, one or more keyboards 806, and the like.

determining a payment mode of a target service according to an order placing request of a user to the target service provided by a service party;

establishing a payment order based on the payment mode and the order placing request, and synchronizing a payment request aiming at the payment order to a server according to a payment instruction of the user;

and after detecting that the server confirms an instruction for the server of the service period of the target service, determining that the performance condition of the service period is triggered.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the resource processing method described above.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed by the processor, the following processes are implemented:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the resource processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding method, and repeated details are not described here.

Another storage medium embodiment provided in this specification is as follows:

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

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A method of resource processing, comprising:

2. The resource processing method according to claim 1, wherein, before the step of transferring the payment resource in the user resource account to the resource management account of the server in the first resource institution according to the payment request, after the step of freezing the payment resource after transferring to the resource management account is executed, and after the fulfillment condition of the service duration of the target service is triggered, generating the transfer instruction of the service duration is executed, the method further comprises:

and if a user confirmation instruction of the user for the confirmation prompt is detected, determining that the performance condition of the service period is triggered.

3. The resource processing method according to claim 1, wherein the transferring, according to the payment request, the payment resource in the user resource account to the resource management account of the server at the first resource institution, and after the frozen step is performed after the transfer of the payment resource to the resource management account, further comprises:

synchronizing the resource transfer results to the third party platform;

correspondingly, after receiving the resource transfer result, the third-party platform executes the following operations:

4. The resource processing method of claim 2 or 3, wherein the generating the transfer instruction of the service period number comprises:

creating a performance order for the user for the service period;

5. The resource processing method according to claim 1, wherein the resource allocation from the resource management account to the resource account of the server in the second resource mechanism is implemented as follows:

6. The resource processing method of claim 1, the payment order being created by a third party platform, the payment request being synchronized by the third party platform;

wherein the payment order is created in the following way:

determining a payment mode of the target service according to the order placing request of the user to the target service;

and creating the payment order based on the payment mode and the order placing request.

7. The resource processing method of claim 1, wherein the resource management account is determined by:

if yes, determining the resource account corresponding to the account identifier to be checked as the resource management account.

8. The resource processing method of claim 1, further comprising:

9. The resource processing method of claim 8, after the sending a return instruction operation to the first resource mechanism according to the real return resource amount is executed, further comprising:

and if the intermediate account does not receive the returned resources within the preset time, performing resource payment processing on the intermediate account according to the real returned resource amount.

10. The resource processing method of claim 1, further comprising:

if the query result is not empty, calculating the amount of real-quit resources of the user for the target service according to the payment order and the queried fulfillment order;

checking whether the real returned resource amount is consistent with the pre-returned resource amount carried in the returned request;

and if so, sending a return instruction carrying the amount of the pre-returned resource to the first resource mechanism.

11. The resource processing method of claim 10, wherein the first resource mechanism, after receiving the return instruction, performs the following:

inquiring the resource management account according to the service party identifier carried in the return instruction;

and transferring the returned resources corresponding to the amount of the pre-returned resources in the resource management account to an intermediate account corresponding to an intermediate account identifier carried in the returned instruction.

12. The resource processing method of claim 10, wherein if the query result after the execution of the fulfillment list operation associated with the payment order query based on the return request is null, the following operations are performed:

verifying whether the amount of the pre-returned resource is consistent with the amount of the resource recorded in the payment order;

if the amount of the pre-quit resources is consistent, sending a return instruction to the first resource mechanism based on the amount of the pre-quit resources so as to unfreeze return resources corresponding to the amount of the pre-quit resources in the resource management account and transfer the return resources to an intermediate account of a third resource mechanism;

after the intermediate account is detected to receive the returned resources, a returned order is generated according to the returned request;

transferring the returned resources received by the intermediate account to the user resource account based on the generation of the returned order.

13. The resource processing method of claim 1, wherein the transferring the payment resource in the user resource account to the resource management account of the server at the first resource mechanism comprises:

14. The resource processing method of claim 1, wherein the transferring the payment resource in the user resource account to the resource management account of the server at the first resource mechanism comprises:

transferring the payment resources corresponding to the payment order in the user resource account to a escrow account of a third-party platform in the first resource mechanism, so that after the third-party platform performs accounting processing, the payment resources corresponding to the payment order are transferred to an escrow sub-user of the service party under the escrow account;

alternatively, the first and second electrodes may be,

and transferring the payment resource corresponding to the payment order in the user resource account to a service resource management account or a special resource account applied by the service party in the first resource mechanism.

15. The resource processing method of claim 1, further comprising:

inquiring a performance order related to the payment order according to the reconciliation request of the service party for the payment order;

and sending the fulfilling party to the service party so as to enable the service party to perform reconciliation processing.

16. The resource handling method of claim 1, the first resource mechanism and the second resource mechanism being the same resource mechanism;

the target service comprises a network course service; the service period of the target service comprises a single-period course and/or a single-time course of the network course service.

17. A method of resource processing, comprising:

18. The resource processing method of claim 17, wherein after the step of determining that the performance condition of the service period is executed by the triggering step if the user confirmation instruction of the user for the confirmation reminder is detected, the method further comprises:

synchronizing a fulfillment confirmation instruction to the server;

19. The resource handling method of claim 17, wherein the target service comprises a web lesson service; the service period of the target service comprises a single-period course and/or a single-time course of the network course service.

20. A resource processing apparatus comprising:

the payment request acquisition module is configured to acquire a payment request of a payment order corresponding to a target service provided by a service party by a user;

the payment resource transfer module is configured to transfer payment resources in a user resource account to a resource management account of the server at a first resource mechanism according to the payment request, and the payment resources are frozen after being transferred to the resource management account;

the transfer instruction generation module is configured to generate a transfer instruction of the service period after the fulfillment condition of the service period of the target service is triggered;

and the transfer instruction sending module is configured to send the transfer instruction to the first resource mechanism so as to carry out resource transfer processing from the resource management account to a resource account of the server at a second resource mechanism.

21. A resource processing apparatus comprising:

the payment mode determining module is configured to determine a payment mode of the target service according to an order placing request of a user to the target service provided by a service party;

the payment request synchronization module is configured to create a payment order based on the payment mode and the order placing request, and synchronize a payment request aiming at the payment order to a server according to a payment instruction of the user;

and the confirmation instruction detection module is configured to determine that the fulfillment condition of the service period time is triggered after detecting that the service party confirms the instruction of the service party aiming at the service period time of the target service.

22. A resource processing apparatus comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

23. A resource processing apparatus comprising:

a processor; and the number of the first and second groups,

24. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

25. A storage medium storing computer-executable instructions that when executed by a processor implement the following: