CN115689763A

CN115689763A - Data processing method and device, electronic equipment and storage medium

Info

Publication number: CN115689763A
Application number: CN202110838434.9A
Authority: CN
Inventors: 苏敏章; 戴礼松
Original assignee: Tenpay Payment Technology Co Ltd
Current assignee: Tenpay Payment Technology Co Ltd
Priority date: 2021-07-23
Filing date: 2021-07-23
Publication date: 2023-02-03

Abstract

The application discloses a data processing method, a data processing device, an electronic device and a storage medium, wherein one resource value account supports a plurality of resource value transfer accounts, a plurality of candidate resource value transfer accounts are determined according to a resource value return request, and the candidate resource value transfer accounts are the plurality of resource value transfer accounts supported by the resource value account of a target resource value product. And according to the state information of the candidate resource value transfer accounts, determining a target resource value transfer account meeting the resource value transfer requirement from the candidate resource value transfer accounts, so as to transfer the target resource value through the target resource value transfer account and return the target resource value to the target object in advance. Therefore, even if one candidate resource value transfer account is unavailable due to system maintenance, upgrading and the like, other candidate resource value transfer accounts meeting the resource value transfer requirements can be selected for resource value transfer, the resource value transfer disaster tolerance capability is improved, and the advance account-arriving business of the resource value products is normally carried out as much as possible.

Description

Data processing method and device, electronic equipment and storage medium

Technical Field

The present application relates to the field of computers, and in particular, to a data processing method and apparatus, an electronic device, and a storage medium.

Background

With the development of economy, more investment modes appear, and the object can use idle funds to purchase resource value products such as funds, stocks, financing and the like so as to obtain higher profits. The financial management platform provides services such as resource value product subscription, redemption, dividend and the like for the object, so that the object can conveniently indirectly participate in capital market investment, and investment income is realized.

At present, when a financing platform returns a resource value (such as fund) to an object based on a service selected by the object (such as resource value product redemption), most financing platforms submit redemption applications on T days in order to ensure that the resource value can reach the object at the fastest speed, after T +1 day redemption confirmation of a resource value product company, the resource value product company does not need to wait for the resource value product company to apply the redeemed resource value to the financing platform, but a resource value transfer account (such as a banker bank) pays for the resource value product company to ensure that the resource value reaches an account of the object in time, and then the resource value product company makes a payment and a repayment to the resource value transfer account.

However, due to reasons such as system upgrade or maintenance performed by the resource value transfer account at irregular intervals, interruption of the resource value transfer business redeemed in advance often occurs, which may lead to accumulation and blockage of the resource value transfer business redeemed by the financial platform, and further affect the processing efficiency of the redemption condition business redeemed by the financial platform. Meanwhile, the financial platform cannot return funds to the object in time, and the experience of the object is influenced.

Disclosure of Invention

In order to solve the technical problem, the application provides a data processing method, a data processing device, an electronic device and a storage medium, which can improve the disaster tolerance capability of resource value transfer while ensuring that the resource value reaches an object account as soon as possible, and enable the advance account-arriving business of a resource value product to be normally performed as much as possible.

The embodiment of the application discloses the following technical scheme:

in one aspect, an embodiment of the present application provides a data processing method, where the method includes:

acquiring a resource value returning request, wherein the resource value returning request comprises an object identifier of a target object;

determining a plurality of candidate resource value transfer accounts in response to the resource value return request;

determining a target resource value transfer account satisfying the resource value transfer requirement from the plurality of candidate resource value transfer accounts according to the state information of the candidate resource value transfer accounts;

generating a resource value transfer task according to the target resource value transfer account, and sending the resource value transfer task to the target resource value transfer account, wherein the resource value transfer task comprises a target resource value which is requested to be returned to the target object;

and transferring the target resource value acquired from the target resource value transfer account to the account of the target object according to the object identifier.

In one aspect, an embodiment of the present application provides a data processing apparatus, where the apparatus includes an obtaining unit, a determining unit, a generating unit, a sending unit, and a transferring unit:

the acquiring unit is used for acquiring a resource value returning request, wherein the resource value returning request comprises an object identifier of a target object;

the determining unit is used for responding to the resource value returning request and determining a plurality of candidate resource value transfer accounts;

the determining unit is further configured to determine, according to the state information of the candidate resource value transfer accounts, a target resource value transfer account satisfying a resource value transfer requirement from the plurality of candidate resource value transfer accounts;

the generating unit is used for generating a resource value transfer task according to the target resource value transfer account;

the sending unit is configured to send the resource value transfer task to the target resource value transfer account, where the resource value transfer task includes a target resource value that is requested to be returned to the target object;

and the transferring unit is used for transferring the target resource value acquired from the target resource value transferring account to the account of the target object according to the object identifier.

In a possible implementation manner, the determining unit is configured to:

determining a candidate resource value transfer account satisfying the resource value transfer requirement from the plurality of candidate resource value transfer accounts according to the state information of the candidate resource value transfer accounts;

and selecting one candidate resource value transfer account from the candidate resource value transfer accounts meeting the resource value transfer requirement as the target resource value transfer account.

In a possible implementation manner, the determining unit is configured to:

acquiring the priority of a candidate resource value transfer account meeting the resource value transfer requirement, wherein the priority reflects the performance quality degree of the candidate resource value transfer account executing the resource value transfer task, and the level of the priority is positively correlated with the performance quality degree;

and determining the candidate resource value transfer account with the highest priority in the candidate resource value transfer accounts meeting the resource value transfer requirement as the target resource value transfer account.

In a possible implementation manner, the determining unit is configured to:

acquiring priorities of the plurality of candidate resource value transfer accounts, wherein the priorities reflect the performance advantages and disadvantages of the candidate resource value transfer accounts for executing the resource value transfer tasks, and the priorities are positively correlated with the performance advantages and disadvantages;

selecting a first candidate resource value transfer account with the highest priority as the target resource value transfer account;

if the first candidate resource value transfer account does not meet the resource value transfer requirement according to the state information of the first candidate resource value transfer account, switching the target resource value transfer account from the first candidate resource value transfer account to a second candidate resource value transfer account, wherein the priority of the second candidate resource value transfer account is lower than that of the first candidate resource value transfer account and higher than that of other candidate resource value transfer accounts;

determining whether the second candidate resource value transfer account satisfies the resource value transfer requirement according to the status information of the second candidate resource value transfer account until the candidate resource value transfer account as the target resource value transfer account satisfies the resource value transfer requirement.

In a possible implementation manner, the determining unit is further configured to:

determining priorities corresponding to the candidate resource value transfer accounts respectively based on influence factors of the candidate resource value transfer accounts, wherein the influence factors comprise at least one of resource value transfer quota, resource value transfer cost and stability of the candidate resource value transfer accounts.

In a possible implementation manner, the status information includes a resource value transfer limit, and the determining unit is configured to:

if the resource value transfer limit of the first candidate resource value transfer account is smaller than the target resource value, determining that the first candidate resource value transfer account does not meet the resource value transfer requirement, wherein the resource value transfer requirement is that the resource value transfer limit is not smaller than the target resource value;

the determining unit is further configured to:

determining whether the resource value transfer quota of the second candidate resource value transfer account is less than the target resource value.

In a possible implementation manner, the resource value returning request acquired at the first time is a first resource value returning request, the first resource value returning request includes a product identifier of a target resource value product, a target resource value transfer account corresponding to the first resource value returning request is a first candidate resource value transfer account, and the acquiring unit is further configured to:

acquiring a second resource value returning request at a second moment, wherein the interval between the second moment and the first moment is within a preset time interval;

the determining unit is further configured to:

determining a plurality of candidate resource value transfer accounts meeting the resource value transfer requirement from the plurality of candidate resource value transfer accounts according to the state information of the candidate resource value transfer accounts;

and if the plurality of candidate resource value transfer accounts meeting the resource value transfer requirement comprise the first candidate resource value transfer account, and the product identifier in the second resource value returning request is the same as the product identifier in the first resource value returning request, taking the first candidate resource value transfer account as the target resource value transfer account.

In a possible implementation manner, the resource value returning request includes at least one of a roll-out request of the target resource value product, a resource value allocation request corresponding to the target resource value product, and a resource value returning request that the target resource value product fails to roll in.

In one aspect, an embodiment of the present application provides an electronic device for data processing, where the electronic device includes a processor and a memory:

the memory is used for storing program codes and transmitting the program codes to the processor;

the processor is configured to execute the data processing method of the preceding aspect according to instructions in the program code.

In one aspect, the present application provides a computer-readable storage medium for storing program codes, where the program codes are used to execute the data processing method of the foregoing aspect.

According to the technical scheme, one resource value account supports a plurality of resource value transfer accounts, and when the resource value return request is obtained, a plurality of candidate resource value transfer accounts can be determined in response to the resource value return request. And then according to the state information of the candidate resource value transfer accounts, determining a target resource value transfer account which meets the resource value transfer requirement from the plurality of candidate resource value transfer accounts. Thus, even if one candidate resource value transfer account cannot transfer the resource value normally due to system maintenance, upgrading and the like, other candidate resource value transfer accounts which meet the resource value transfer requirement and are supported by the resource value account can be selected as the target resource value transfer account. And the resource value transfer task is sent to the target resource value transfer account so as to transfer the resource value to the target resource value transfer account. And after receiving the target resource value of the target resource value transfer account, transferring the target resource value to the account of the target object according to the object identifier, and completing the resource value refund and account return of the target object. The method supports a multi-resource value transfer account mode, can improve the disaster tolerance capability of resource value transfer while ensuring that the resource value reaches an object account as soon as possible, and enables the advanced account-arriving service of the resource value product to be normally carried out as much as possible.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and for a person of ordinary skill in the art, other drawings can be obtained according to these drawings without inventive exercise.

FIG. 1 is a schematic diagram of the relationship between a financing platform, a fund company and a funding bank in the related art;

fig. 2 is a schematic diagram of a system architecture of a data processing method according to an embodiment of the present application;

fig. 3 is a flowchart of a data processing method according to an embodiment of the present application;

FIG. 4 is a schematic diagram of a relationship between a financing platform, a fund company and a funding bank provided in an embodiment of the present application;

fig. 5 is a diagram illustrating an example of a scenario where the pad bank with the highest priority is unavailable according to an embodiment of the present application;

fig. 6 is a flowchart of a method for generating a resource value transfer task according to an embodiment of the present application;

fig. 7 is a signaling interaction diagram of a data processing method according to an embodiment of the present application;

fig. 8 is a block diagram of a data processing apparatus according to an embodiment of the present application;

fig. 9 is a structural diagram of a terminal according to an embodiment of the present application;

fig. 10 is a block diagram of a server according to an embodiment of the present application.

Detailed Description

Embodiments of the present application are described below with reference to the accompanying drawings.

The terms to which this application may relate are explained first:

fast-redemption (T +0 redemption): after submitting a redemption request of the target resource value product to a financial platform, the financial object redeems the resource value (i.e. redeeming the target resource value product and returning the resource value to the financial object, such as fund) and can be paid out in real time; wherein, the redemption request can also be called a transfer request, that is, a corresponding resource value is obtained by transferring a target resource value product;

general redemption: after submitting a redemption request of the target resource value product to the financial management platform, the redeemed resource value is confirmed by T +1 redemption of a resource value account (if the target resource value product is a fund, the resource value account can be a fund company) of the target resource value product, and the redeemed resource value is returned to the financial management object after the T +2 financial management platform is submitted.

T +0.5 Advance redemption (hereinafter: T05): after a redemption request is submitted to a financial platform by a financial object, the redeemed resource value is confirmed by the resource value account T +1 of a target resource value product, the resource value account of the target resource value product is waited for T +2 days to pay the redeemed resource value, the resource value transfer account (if the target resource value product is a fund, the resource value account can be a fund company, and the resource value transfer account can be a banker bank) executes daily fund advance delivery to the financial platform, the resource value is returned to the financial object in advance, and after the resource value account of the target resource value product delivers the redeemed resource value, the resource value compensated is returned to the resource value transfer account.

In some cases, for example, in a T +0.5 early-redemption scenario, where a resource value transfer account is introduced to enable the resource value to reach a target, referring to fig. 1, the target submits a redemption application to a financing platform on day T, and after T +1 day redemption confirmation of a resource value product company (e.g., fund company C), the fund company C does not need to wait for the fund company C to transfer the redeemed resource value to the financing platform (the fund company C needs to redeem on the morning day T +2 to transfer the redeemed resource value to the financing platform), but a resource value transfer account, such as a banker bank, replaces the fund company C to transfer the resource value, so that the account of the target can be billed on morning on day T +2, the resource value is guaranteed to reach the account of the target in time, and then the resource value product company transfers the corresponding resource value to the resource value transfer account to complete the redemption.

Due to the fact that the resource value transfer account is subjected to system upgrading or maintenance in an irregular mode and the like, interruption of resource value transfer business redeemed in advance often occurs, and therefore the resource value transfer business of the financial platform is accumulated and blocked, and the processing efficiency of the resource value transfer business of the financial platform is affected. Meanwhile, the financial platform cannot return resource values to the objects in time, and the object experience is influenced.

In order to solve the above technical problem, an embodiment of the present application provides a data processing method, in which a resource value account supports multiple resource value transfer accounts, so that even if one candidate resource value transfer account cannot transfer resource values normally due to system maintenance, upgrade, and the like, other candidate resource value transfer accounts that meet a resource value transfer requirement and are supported by the resource value account may be selected as target resource value transfer accounts. Therefore, the resource value of the target resource value transfer account is transferred, the target resource value transfer account executes a resource value transfer task, the resource value transfer disaster tolerance capability is improved while the resource value is ensured to reach the target account as soon as possible, and the advance account service of the resource value product is normally carried out as much as possible.

The method provided by the embodiment of the present application relates to a block chain, and for example, the preset correspondence, the state information, and the like related to the embodiment of the present application may be stored in the block chain. In addition, each device related to the embodiment of the present application, for example, a financial platform, a resource value account, and a server corresponding to the resource value transfer account, may form a block chain, and the server is a node on the block chain, so as to ensure the security of data processing.

Referring to fig. 2, fig. 2 is a schematic diagram of a system architecture of a data processing method according to an embodiment of the present application. The system architecture comprises a terminal 201 corresponding to a financial platform, a server 202 corresponding to the financial platform, a server 203 corresponding to a resource value transfer account and a server 204 corresponding to the resource value account. A financing object, such as a target object, may submit a resource value return request through the terminal 201 corresponding to the financing platform, and the server 202 corresponding to the financing platform may provide a resource value return service for the target object based on the resource value return request. The resource value return request may be a request to return a resource value (e.g., funds) to an object triggered in accordance with a processing operation on a target resource value product. The processing operations on the target resource value product include redemption (roll-out) of the target resource value product, underwriting (roll-in) of the target resource value product, and earning of the target resource value product (resource value allocation). Wherein, the object may refer to a user participating in financing.

The resource value can refer to various valuable resources such as funds, virtual currency and the like; resource value products refer to products, such as funds, stocks, etc., that can be subscribed to by resource value. The resource value account can be an account corresponding to a resource value product mechanism, and the resource value product mechanism can provide a resource value product for the financing object according to the resource value paid by the financing object; the resource value transfer account may refer to an account corresponding to an institution that transferred the resource value in lieu of the resource value product institution. When the resource value is fund, the resource value product is fund, the resource value account can be an account corresponding to a fund company, and the resource value transfer account can be an account corresponding to a banker bank. One fund company may support multiple pad banks, such as fund company a, whose corresponding pad banks may include pad bank a, pad bank B, and pad bank C, among others.

The terminal 201 submits a resource value returning request to the server 202, wherein the resource value returning request comprises an object identifier of a target object, and the object identifier is used for indicating an account to which a resource value is to be returned.

Server 202 determines a candidate resource value transfer account in response to the resource value return request. The server 202 then determines a target resource value transfer account from the candidate resource value transfer accounts that satisfies the resource value transfer requirements based on the status information of the candidate resource value transfer accounts.

Server 202 generates a resource value transfer task from the target resource value transfer account and sends the resource value transfer task to the target resource value transfer account, e.g., server 203. The server 203 transfers the target resource value to the server 202 according to the resource value transfer task, and the server 202 transfers the target resource value to the account of the target object according to the object identifier, so that the target resource value is guaranteed to arrive at the object as soon as possible.

After the target resource value is transferred to the account of the target object, the resource value account corresponding to the target resource value product, e.g., server 204, transfers the target resource value to the target resource value transfer account, e.g., server 203, thereby completing resource value complementation to the target resource value transfer account.

The server may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing cloud computing services. The terminal may be, but is not limited to, a smart phone, a tablet computer, a notebook computer, a desktop computer, and the like. The terminal 201 and the server 202 may be directly or indirectly connected through wired or wireless communication, and the application is not limited herein.

Next, a data processing method provided by an embodiment of the present application will be described in detail with reference to the accompanying drawings.

Referring to fig. 3, fig. 3 shows a flow chart of a data processing method comprising:

s301, acquiring a resource value returning request.

When a resource value needs to be returned to a certain financing object, such as a target object, a server corresponding to the financing platform can acquire a resource value returning request, so that the resource value is requested to be returned to the server corresponding to the financing platform. The resource value return request comprises an object identification of the target object, wherein the object identification is used for indicating an account to which the resource value is to be returned.

Situations where a need exists to return a resource value to a financial object, such as a target object, may include a variety of situations, such as the target object requesting redemption (roll-out) of a target resource value product; it is also possible that the target object subscribes (transfers) to the target resource value product, but the subscription fails, at which point it is required to return its paid resource value to the target object; it is also possible that after the target object subscribes the target resource value product, the target object obtains the corresponding bonus (i.e. the target object is assigned with the corresponding resource value), and so on.

Under these circumstances, the resource value account (e.g., fund company) corresponding to the target resource value product needs to return the target resource value (e.g., fund) to the object through the financing platform, and based on the above situation, the resource value return request includes at least one of a transfer-out request of the target resource value product, a resource value allocation request of the target resource value product, and a resource value return request for which the target resource value product fails to be acknowledged to be transferred. If the target object requests to roll out the target resource value product, the resource value returning request is a roll-out request of the target resource value product; the target object is transferred into the target resource value product, but the transfer fails, and the resource value returning request is a refund request of the transfer failure of the target resource value product; and the target object acquires the resource value corresponding to the target resource value product, and the resource value return request is a resource value allocation request of the target resource value product.

S302, responding to the resource value returning request, and determining a plurality of candidate resource value transfer accounts.

After a server corresponding to the financing platform acquires a resource value returning request and confirms the redemption of a resource value account T +1 of a target resource value product, in order to enable the target resource value to be returned to a target object as soon as possible, the resource value account of the target resource value product is not changed in T +2 days, daily investment is executed by a resource value transfer account and is returned to the financing platform in advance, and the target resource value is returned to the target object in advance. To this end, a resource value transfer account that can transfer the target resource value in place of the resource value account of the target resource value product, i.e., a candidate resource value transfer account, may be determined.

In this embodiment, the manner of determining the plurality of candidate resource value transfer accounts may include a variety of manners. One way is that the financing platform makes a guarantee to randomly select or select a plurality of candidate resource value transfer accounts according to priority, or determine all resource value transfer accounts as the plurality of candidate resource value transfer accounts.

The other mode is that the corresponding relation between different resource value accounts and resource value transfer accounts is established in advance, each resource value account corresponds to a plurality of resource value transfer accounts, and therefore a plurality of candidate resource value transfer accounts corresponding to the resource value accounts are determined according to the preset corresponding relation.

The preset corresponding relation is a corresponding relation between a resource value account and a resource value transfer account of a pre-established resource value product, and each resource value account corresponds to a plurality of resource value transfer accounts. And the server corresponding to the financing platform can determine a candidate resource value transfer account according to the product identification and the preset corresponding relation. It can be understood that a plurality of resource value transfer accounts corresponding to different resource value accounts may be completely the same, may be partially the same, or may be completely different, which is not limited in this embodiment.

Taking the target resource value product as a fund as an example, the resource value account may include an account corresponding to fund company a, an account corresponding to fund company B, an account corresponding to fund company C, and an account corresponding to fund company D. The resource value transfer accounts corresponding to the fund company A and the fund company B can comprise an account corresponding to the banker bank A, an account corresponding to the banker bank B and an account corresponding to the banker bank C, and the resource value transfer accounts corresponding to the fund company A and the fund company B are completely the same; the resource value transfer account corresponding to the fund company C can comprise an account corresponding to the banker bank A, an account corresponding to the banker bank B and an account corresponding to the banker bank D, and the fund company C is partially identical to the resource value transfer account corresponding to the fund company A or the fund company B; the resource value transfer account corresponding to the fund company D may include an account corresponding to the funding bank E and an account corresponding to the funding bank F, and the fund company D is completely different from the resource value transfer account corresponding to the fund company a, the fund company B or the fund company C.

If the product identification is the identification corresponding to the fund provided by the fund company A, the candidate resource value transfer account can be determined to be the account corresponding to the fund banking A, the account corresponding to the fund banking B and the account corresponding to the fund banking C according to the product identification and the preset corresponding relation.

S303, according to the state information of the candidate resource value transfer accounts, determining a target resource value transfer account which meets the resource value transfer requirement from the plurality of candidate resource value transfer accounts.

The resource value transfer account may be unavailable due to irregular system upgrade or maintenance, insufficient resource value transfer limit of the resource value, and the like, so that the resource value transfer requirement cannot be met, and the resource value transfer task cannot be performed normally. Therefore, in this embodiment, the target resource value transfer account satisfying the resource value transfer requirement may be determined from the plurality of candidate resource value transfer accounts according to the status information of the candidate resource value transfer accounts, so as to execute the resource value transfer task by using the target resource value transfer account satisfying the resource value transfer requirement, thereby improving the resource value transfer disaster tolerance capability. Therefore, the stability of the service of returning the object resource value in advance is improved, and the normal operation of the service is ensured as much as possible.

It should be noted that, in this embodiment, the main purpose of S303 is to select another candidate resource value transfer account satisfying the resource value transfer requirement, which is supported by the resource value account, as the target resource value transfer account even if one candidate resource value transfer account cannot perform the resource value transfer normally due to system maintenance, upgrade, and the like. However, the implementation manner of S303 may include various manners in order to determine the target resource value transfer account. In a possible implementation manner, the implementation manner of S303 may be to determine all candidate resource value transfer accounts that satisfy the resource value transfer requirement, and then determine the target resource value transfer account from all candidate resource value transfer accounts that satisfy the resource value transfer requirement.

Specifically, the server corresponding to the financing platform determines a candidate resource value transfer account meeting the resource value transfer requirement from the candidate resource value transfer accounts according to the state information of the candidate resource value transfer accounts. Then, one candidate resource value transfer account is selected from the candidate resource value transfer accounts that satisfy the resource value transfer requirement as the target resource value transfer account.

The status information may be used to indicate the current status of the candidate resource value transfer account, for example, the status information may include whether the candidate resource value transfer account is currently in a maintenance or upgrade status, a resource value transfer amount of the candidate resource value transfer account, a resource value transfer cost, and the like. In general, if a candidate resource value transfer account is currently in a maintenance or upgrade state, the candidate resource value transfer account may cause interruption of the execution of the resource value transfer task, so that the state information of the candidate resource value transfer account does not satisfy the resource value transfer requirement; if the resource value transfer quota of the candidate resource value transfer account is less than the target resource value, for example, if the resource value transfer quota of the candidate resource value transfer account is 30 hundred million and the target resource value is 40 hundred million, the candidate resource value transfer account may not be enough to pay the target resource value in the resource value transfer task, so as to avoid resource value transfer from multiple candidate resource value transfer accounts for the same target resource value product at the same time as far as possible, facilitate subsequent statistics and supervision, and consider that the status information of the candidate resource value transfer account does not satisfy the resource value transfer requirement, and so on.

For example, if the product identifier is an identifier corresponding to a fund provided by a fund company a, the candidate resource value transfer account can be determined to be an account corresponding to the banker bank a, an account corresponding to the banker bank B, and an account corresponding to the banker bank C according to the product identifier and the preset corresponding relationship. If the account corresponding to the bedding bank A and the account corresponding to the bedding bank B meet the resource value transfer requirement, one of the account corresponding to the bedding bank A and the account corresponding to the bedding bank B can be selected as a target resource value transfer account.

The performance of executing the resource value transfer task by the different candidate resource value transfer accounts is different, and the performance of executing the resource value transfer task by the candidate resource value transfer accounts can be embodied by the priority of the candidate resource value transfer accounts. In general, the priority level is positively correlated with the performance level of the resource value transfer task, that is, the higher the priority level is, the better the performance of executing the resource value transfer task is, and the lower the priority level is, the worse the performance of executing the resource value transfer task is. Therefore, in this embodiment, in order to improve the performance of executing the resource value transfer task as much as possible, the priority of the candidate resource value transfer accounts satisfying the resource value transfer requirement may be obtained, and then the candidate resource value transfer account with the highest priority among the candidate resource value transfer accounts satisfying the resource value transfer requirement is determined as the target resource value transfer account.

In another possible implementation manner, the implementation manner of S303 may be to preferentially select the candidate resource value transfer account with the highest priority as the target resource value transfer account according to the priority of the candidate resource value transfer account, and if the candidate resource value transfer account with the highest priority does not satisfy the resource value transfer requirement, automatically skip the candidate resource value transfer account, and switch to the candidate resource value transfer account with the second priority, and so on until the target resource value transfer account satisfying the resource value transfer requirement is determined.

Specifically, the server corresponding to the financial management platform acquires the priority of the candidate resource value transfer account, the priority reflects the performance quality degree of the candidate resource value transfer account executing the resource value transfer task, and the level of the priority is positively correlated with the performance quality degree. Then, the first candidate resource value transfer account with the highest priority is preferentially selected as the target resource value transfer account, and whether the first candidate resource value transfer account meets the resource value transfer requirement or not is determined according to the state information of the first candidate resource value transfer account. If the resource value transfer requirement is satisfied, then S304 is performed for the first candidate resource value transfer account, thereby transferring the resource value to the first candidate resource value transfer account. If the resource value transfer requirement is not met, the target resource value transfer account is switched from the first candidate resource value transfer account to the second candidate resource value transfer account. Wherein the second candidate resource value transfer account has a priority lower than the first candidate resource value transfer account and higher than the other candidate resource value transfer accounts. And continuing to determine whether the second candidate resource value transfer account meets the resource value transfer requirement according to the state information of the second candidate resource value transfer account, and if the resource value transfer requirement is met, executing S304 for the second candidate resource value transfer account, thereby transferring the resource value of the second candidate resource value transfer account. If the resource value transfer requirement is not met, continuing to select the next priority candidate resource value transfer account according to the priority level until the candidate resource value transfer account serving as the target resource value transfer account meets the resource value transfer requirement.

For example, as shown in fig. 4, fig. 4 shows a relationship diagram of a financing platform, a fund company and a bedding bank. If the product identification is the identification corresponding to the fund provided by the fund company A, the fund company B and the fund company C, the candidate resource value transfer accounts corresponding to the fund company A, the fund company B and the fund company C comprise the account corresponding to the fund underlying bank A, the account corresponding to the fund underlying bank B and the account corresponding to the fund underlying bank C, namely the fund underlying bank A, the fund underlying bank B and the fund underlying bank C can pay for the fund company A, the fund company B and the fund company C, and the fund payment is paid for the fund company underlying resource value (fund) through the fund underlying bank. If the account corresponding to the capital bank A has the highest priority, the account corresponding to the capital bank A can be preliminarily determined to be a target resource value transfer account, and when the fund company A, the fund company B and the fund company C need resource value transfer, a resource value transfer task can be preferentially sent to the account corresponding to the capital bank A, namely the fund company A, the fund company B and the fund company C preferentially pay for investment payment through the capital bank A.

If the account corresponding to the bedding bank a does not meet the resource value transfer requirement before the resource value transfer task is sent, as shown in fig. 5, an "x" at the bedding bank a in fig. 5 indicates that the account corresponding to the bedding bank a does not meet the resource value transfer requirement, that is, the account corresponding to the bedding bank a is unavailable, the account corresponding to the bedding bank a may be switched to the account corresponding to the bedding bank B from the account corresponding to the bedding bank a (the account corresponding to the bedding bank B is a candidate resource value transfer account of a suboptimum priority), and the resource value transfer task is sent to the account corresponding to the bedding bank B. At this time, the fund company a, the fund company B, and the fund company C skip the fund banking a and pay funds by the fund banking B.

If the status information includes the resource value transfer amount, the mode of determining that the first candidate resource value transfer account does not satisfy the resource value transfer requirement according to the status information of the first candidate resource value transfer account may be that if the resource value transfer amount of the first candidate resource value transfer account is smaller than the target resource value, the first candidate resource value transfer account does not satisfy the resource value transfer requirement, and at this time, the resource value transfer requirement is that the resource value transfer amount is not smaller than the target resource value. The target resource value transfer account is switched from the first candidate resource value transfer account to the second candidate resource value transfer account. Then, it is continuously determined whether the resource value transfer amount of the second candidate resource value transfer account is smaller than the target resource value, if not, S304 is executed for the second candidate resource value transfer account. If the resource value is smaller than the target resource value, the next priority candidate resource value transfer account is continuously selected according to the priority level until the resource value transfer limit of the candidate resource value transfer account serving as the target resource value transfer account is not smaller than the target resource value.

In this embodiment, the selection mechanism of the target resource value transfer account takes the priority order of the candidate resource value transfer accounts as the basis, and considers the performance problem of executing the resource value transfer task and the disaster tolerance capability of the resource value transfer task.

It should be noted that, in this embodiment, the priority of the candidate resource value transfer account may be determined in real time when the target resource value transfer account is determined, and certainly, in order to reduce the calculation amount in the data processing process and improve the resource value accounting efficiency, the priority of the candidate resource value transfer account may be predetermined, so that the candidate resource value transfer account determined in S302 may be configured with predetermined priority information, and the candidate resource value transfer account determined in S302 may also be a candidate resource value transfer account list arranged in order of priority from top to bottom or from bottom to top.

The priority of the candidate resource value transfer account is related to a plurality of influence factors, such as resource value transfer amount, resource value transfer cost and stability of the candidate resource value transfer account, and generally, the higher the resource value transfer amount of the candidate resource value transfer account is, the higher the priority of the candidate resource value transfer account is; the higher the resource value transfer cost of the candidate resource value transfer account, the lower the priority of the candidate resource value transfer account; the higher the stability of the candidate resource value transfer account, the higher the priority of the candidate resource value transfer account. Based on this, in a possible implementation manner, the determination manner of the priority is to obtain an influence factor of the candidate resource value transfer account, where the influence factor includes at least one of a resource value transfer amount, a resource value transfer cost, and stability of the candidate resource value transfer account, and then determine priorities corresponding to the plurality of candidate resource value transfer accounts respectively based on the influence factor.

Different influence factors have different importance degrees for priority determination, so if the influence factors include multiple kinds at the same time, different weights can be set for the different influence factors, and the priority of the candidate resource value transfer account is determined by combining the influence factors and the corresponding weights.

Referring to table 1, table 1 shows a chargebank priority list, taking the candidate resource value transfer account as the account corresponding to the chargebank, and taking the influence factor as the electron:

TABLE 1 bedding Bank priority List

In the above table, the corresponding number in the bedding bank priority list represents the priority of the particular bedding bank, e.g., 1 represents the highest priority and 100 represents the lowest priority.

S304, generating a resource value transfer task according to the target resource value transfer account, and sending the resource value transfer task to the target resource value transfer account.

After the target resource value transfer account is determined, a server corresponding to the financing platform can generate a resource value transfer task according to the target resource value transfer account, the resource value transfer task can include a target resource value which needs to be returned to a target object, namely the target resource value which needs to be requested by the target resource value transfer account, and the resource value transfer task is sent to the target resource value transfer account, so that the target resource value transfer account can replace a resource value account corresponding to a target resource value product to transfer the target resource value.

S305, transferring the target resource value acquired from the target resource value transfer account to the target object account according to the object identifier.

And after determining that the target resource value is transferred to the account corresponding to the financing platform instead of the resource value account corresponding to the target resource value product in the target resource value transfer account, and successfully transferring the target resource value to the account corresponding to the financing platform, the server corresponding to the financing platform transfers the target resource value to the account of the target object according to the object identifier of the target object, and the target resource value is transferred to the account of the account target object.

After the target resource value is transferred to the account of the target object, the server corresponding to the financing platform may send a notification message, where the notification message may reflect which candidate resource value transfer account (e.g., the funding bank B serving as the target resource value transfer account) has transferred the target resource value instead of which resource value account (e.g., the account corresponding to the fund company a), so that the resource value account corresponding to the target resource value product transfers the target resource value to the target resource value transfer account according to the notification message, and thus the target resource value is complemented back to the target resource value transfer account.

The notification message may be sent by the server corresponding to the financing platform to the supervision platform, and then sent by the supervision platform to the corresponding resource value account, so as to notify the resource value account to complement the target resource value to the target resource value transfer account.

It can be understood that, if a resource value account transfers resource values to multiple candidate resource value transfer accounts within a period of time, the supervision platform needs to record and summarize the resource values paid by the multiple candidate resource value transfer accounts, so that the resource value account supplements and returns the resource values to the multiple candidate resource value transfer accounts, which results in statistics and supervision, and even the late-stage refund is tedious. Therefore, in a possible implementation manner, it can be ensured that within a preset time interval, a resource value account corresponding to one target resource value product is only transferred from one target resource value transfer account resource value. For example, the resource value returning request acquired at the first time is a first resource value returning request, the first resource value returning request includes a product identifier of a target resource value product, and a target resource value transfer account corresponding to the first resource value returning request is a first candidate resource value transfer account. If a second resource value returning request is acquired at a second moment, the interval between the second moment and the first moment is within a preset time interval, when a target resource value transferring account corresponding to the second resource value returning request is determined, a plurality of candidate resource value transferring accounts meeting the resource value transferring requirement are determined from the plurality of candidate resource value transferring accounts according to the state information of the candidate resource value transferring accounts, and if the plurality of candidate resource value transferring accounts meeting the resource value transferring requirement comprise a first candidate resource value transferring account and the product identification in the second resource value returning request is the same as the product identification in the first resource value returning request, the first candidate resource value transferring account is used as the target resource value transferring account.

The resource value account is a preset time interval, which is generally a resource value compensation period or a unit time, such as a day.

By the method, the resource value account corresponding to one target resource value product is only transferred from one target resource value transfer account resource value within the preset time interval, so that subsequent statistics and supervision are facilitated, and the resource value of the resource value account is supplemented.

According to the technical scheme, one resource value account supports a plurality of resource value transfer accounts, and when the resource value return request is obtained, a plurality of candidate resource value transfer accounts can be determined in response to the resource value return request. And then according to the state information of the candidate resource value transfer accounts, determining a target resource value transfer account which meets the resource value transfer requirement from the plurality of candidate resource value transfer accounts. Thus, even if one candidate resource value transfer account cannot transfer the resource value normally due to system maintenance, upgrading and the like, other candidate resource value transfer accounts which meet the resource value transfer requirement and are supported by the resource value account can be selected as the target resource value transfer account. And the resource value transfer task is sent to the target resource value transfer account so as to transfer the resource value to the target resource value transfer account. And after receiving the target resource value of the target resource value transfer account, transferring the target resource value to the account of the target object according to the object identifier, and completing the resource value refund and account return of the target object. The method supports a multi-resource value transfer account mode, can improve the disaster tolerance capability of resource value transfer while ensuring that the resource value reaches the object account as soon as possible, and enables the advanced account-arriving business of the resource value product to be normally carried out as much as possible.

Next, the generation of the resource value transfer task in S304 will be described in detail.

It should be noted that, because the resource value returning request includes at least one of a transfer-out request of the target resource value product (a scenario of transferring out the target resource value product), a resource value allocation request of the target resource value product (a scenario of a target object acquiring a corresponding bonus), and a resource value returning request of a target resource value product transferring into a failure (a scenario of a target resource value product transferring into a failure), that is, in all of the above three scenarios, the flow of the target resource value from a resource value account (for example, an account corresponding to a fund company) — a financial platform — > an object account can be realized, and after summarizing the respective corresponding resource values, the flow needs to be checked with a 25 file of a mechanism to determine the target resource value and generate a resource value transferring task, and the specific steps are shown in fig. 6, and include:

s601, loading a roll-out confirmation result of the target resource value product.

After the transfer-out request of the target resource value product is obtained, if the resource value account corresponding to the target resource value product is transferred out for confirmation, a transfer-out confirmation result can be returned, and the server corresponding to the financial platform can load the transfer-out confirmation result.

S602, loading a transfer-in failure confirmation result of the target resource value product.

After the resource value returning request that the target resource value product is transferred to the failure is obtained, if the resource value account corresponding to the target resource value product is transferred to the failure confirmation, the transfer-to failure confirmation result can be returned, and the server corresponding to the financial platform can load the transfer-to failure confirmation result.

S603, loading the resource value distribution result of the target resource value product.

After the resource value allocation request of the target resource value product is obtained, if the resource value allocation of the resource value account corresponding to the target resource value product is confirmed, a resource value allocation confirmation result can be returned, and a server corresponding to the financial platform can load the resource value allocation confirmation result.

S604, summarizing the target resource value according to the transfer-out confirmation result, the transfer-in failure confirmation result and the resource value distribution result, and checking the target resource value with the 25 files. If the result of the check is passed, S605 is executed, and if not, S608 is executed.

It should be noted that the roll-out according to the embodiments of the present application may be referred to as redemption, roll-in may be referred to as subscription, and dividend may be referred to as resource value allocation.

Taking the example that the resource value account is the account corresponding to the fund company, for one fund company, according to the redemption request, the subscription result and the dividend data of the target object, a corresponding mid-subscription standard file is generated. The financing platform collects and generates data (namely target resource value) to be transferred according to the mid-login standard file, and after checking with the institution fund clearing 25 file, the financing platform starts to select a bedding bank (target resource value transfer account).

S605, loading a candidate resource value transfer account list.

In this embodiment, the priority of the candidate resource value transfer account may be determined in advance, a candidate resource value transfer account list may be obtained according to the priority, and when a target resource value transfer account needs to be selected for resource value transfer, the candidate resource value transfer account list may be loaded.

S606, whether the candidate resource value transfer accounts meet the resource value transfer requirements is sequentially determined according to the sequence of the candidate resource value transfer account list, if yes, S607 is executed, and if not, S605 is executed again.

S607, determining a target resource value transfer account, and generating a resource value transfer task according to the target resource value transfer account.

And S608, abnormal exit.

Next, the data processing method provided in the embodiment of the present application will be described with reference to an actual application scenario. In the application scenario, when the target resource value product is a fund, the resource value account is a fund company, and the candidate resource value transfer account is a resource-banking behavior example, after a redemption request is submitted to a financial platform by a financial object, the redeemed resource value is confirmed by the redemption of the resource value account T +1, the resource value transfer account executes daily resource-banking and is delivered to the financial platform in advance, the financial object is returned in advance to redeem the resource value, and after the resource value account of the target resource value product is delivered to redeem the resource value, the resource value paid in a replenishment is delivered to the resource value transfer account. In this process, in order to avoid as much as possible that the resource value transfer task is interrupted due to system maintenance, upgrading, and the like of the resource value transfer account, and the resource value cannot be returned to the financial object in time, and the disaster tolerance capability of the resource value payment-backing resource value transfer task is improved, an embodiment of the present application provides a data processing method, see fig. 7, where the method includes:

s701, submitting a redemption request to a financial platform by the financial object.

In this embodiment, the target object, which is a financial object, and the redemption request, which is a resource value return request, are converted out according to the present embodiment.

S702, the account corresponding to the fund company completes the T +1 redemption confirmation.

And S703, selecting a pad bank meeting the resource value transfer requirement by the financing platform according to the priority.

The financing platform can load a candidate resource value transfer account list, the candidate resource value transfer accounts in the candidate resource value transfer account list are arranged in the order of priority from high to low, the candidate resource value transfer accounts are the accounts corresponding to the backing bank, and then the backing bank meeting the resource value transfer requirements is selected according to the priority to execute the resource value transfer task. Where resource value may refer to funds.

When the capital banks are selected according to the priority levels, the capital bank with the highest priority level is selected, if the capital bank with the highest priority level is unavailable, such as system upgrading or maintenance, the capital bank with the highest priority level is switched to the capital bank with the second best priority level to generate a resource value transfer task. If the lower priority bedding bank is not available, the resource value transfer is applied to the bedding bank with the lower priority in sequence. The resource value transfer task of the financing platform is guaranteed to have certain resource value transfer disaster-tolerant capacity by supporting a plurality of investment banks. Meanwhile, a bedding bank is selected according to the priority, and the performance of executing the resource value transfer task and the resource value transfer disaster tolerance capability are considered.

S704, the financing platform sends a resource value transfer task to the account corresponding to the selected investment bank.

S705, the account corresponding to the bedding bank determines the target resource value of the bedding payment according to the resource value transfer task.

S706, transferring the target resource value to the financing platform by the account corresponding to the financing bank.

S707, transferring the target resource value to the account corresponding to the financing object by the financing platform.

S708, transferring the target resource value from the account corresponding to the fund company to the account corresponding to the banker bank.

And transferring the target resource value to the account corresponding to the financing object by the account corresponding to the financing bank through the financing platform, and paying the target resource value for the account corresponding to the fund company so as to return the financing object in time. And then, the account corresponding to the fund company repays and replenishes the payment to the account corresponding to the investment bank, and transfers the target resource value to the account corresponding to the investment bank.

Based on the data processing method provided by the corresponding embodiment of fig. 3, the embodiment of the present application further provides a data processing apparatus 800, referring to fig. 8, where the data processing apparatus 800 includes an obtaining unit 801, a determining unit 802, a generating unit 803, a sending unit 804, and a transferring unit 805:

the obtaining unit 801 is configured to obtain a resource value returning request, where the resource value returning request includes an object identifier of a target object;

the determining unit 802 is configured to determine a plurality of candidate resource value transfer accounts in response to the resource value return request;

the determining unit 802 is further configured to determine, according to the state information of the candidate resource value transfer accounts, a target resource value transfer account that meets the resource value transfer requirement from the multiple candidate resource value transfer accounts;

the generating unit 803 is configured to generate a resource value transfer task according to the target resource value transfer account;

the sending unit 804 is configured to send the resource value transfer task to the target resource value transfer account, where the resource value transfer task includes a target resource value that is requested to be returned to the target object;

the transfer unit 805 is configured to transfer the target resource value acquired from the target resource value transfer account to the account of the target object according to the object identifier.

In a possible implementation manner, the resource value returning request further includes a product identifier of a target resource value product, and the determining unit 802 is configured to:

and determining the candidate resource value transfer accounts according to the product identification and a preset corresponding relation, wherein the preset corresponding relation is the corresponding relation between the resource value accounts of the resource value products and the resource value transfer accounts, and each resource value account corresponds to a plurality of resource value transfer accounts.

In a possible implementation manner, the sending unit 804 is further configured to:

sending a notification message to enable a resource value account corresponding to the target resource value product to transfer the target resource value to the target resource value transfer account according to the notification message; the notification message is used for embodying the target resource value transfer account to replace the resource value account corresponding to the target resource value product to transfer the target resource value.

In a possible implementation manner, the determining unit 802 is configured to:

selecting one candidate resource value transfer account from the candidate resource value transfer accounts satisfying the resource value transfer requirement as the target resource value transfer account.

In a possible implementation manner, the determining unit 802 is configured to:

and determining whether the second candidate resource value transfer account meets the resource value transfer requirement or not according to the state information of the second candidate resource value transfer account until the candidate resource value transfer account serving as the target resource value transfer account meets the resource value transfer requirement.

In a possible implementation manner, the determining unit 802 is further configured to:

In a possible implementation manner, the state information includes a resource value transfer limit, and the determining unit 802 is specifically configured to:

the determining unit 802 is further configured to:

determining whether the resource value transfer allowance of the second candidate resource value transfer account is less than the target resource value.

In a possible implementation manner, the resource value returning request acquired at the first time is a first resource value returning request, the first resource value returning request includes a product identifier of a target resource value product, a target resource value transfer account corresponding to the first resource value returning request is a first candidate resource value transfer account, and the acquiring unit 801 is further configured to:

the determining unit 802 is further configured to:

and if the plurality of candidate resource value transfer accounts meeting the resource value transfer requirement comprise the first candidate resource value transfer account, and the product identifier in the second resource value returning request is the same as the product identifier in the first resource value returning request, taking the first candidate resource value transfer account as the target resource value transfer account. .

In a possible implementation manner, the resource value returning request includes at least one of a roll-out request of a target resource value product, a resource value allocation request corresponding to the target resource value product, and a resource value returning request of a target resource value product that fails to roll in.

The embodiment of the application further provides an electronic device for data processing, where the electronic device may be a terminal, and the terminal is taken as a smart phone as an example:

fig. 9 is a block diagram illustrating a partial structure of a smart phone related to a terminal provided in an embodiment of the present application. Referring to fig. 9, the smart phone includes: radio Frequency (RF) circuit 910, memory 920, input unit 930, display unit 940, sensor 950, audio circuit 960, wireless fidelity (WiFi) module 970, processor 980, and power supply 990. The input unit 930 may include a touch panel 931 and other input devices 932, the display unit 940 may include a display panel 941, and the audio circuit 960 may include a speaker 961 and a microphone 962. Those skilled in the art will appreciate that the smartphone configuration shown in fig. 9 is not limiting and may include more or fewer components than shown, or some components may be combined, or a different arrangement of components.

The memory 920 may be used to store software programs and modules, and the processor 980 may execute various functional applications and data processing of the smart phone by operating the software programs and modules stored in the memory 920. The memory 920 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the smartphone, and the like. Further, the memory 920 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 980 is a control center of the smart phone, connects various parts of the entire smart phone using various interfaces and lines, and performs various functions of the smart phone and processes data by operating or executing software programs and/or modules stored in the memory 920 and calling data stored in the memory 920, thereby integrally monitoring the smart phone. Alternatively, processor 980 may include one or more processing units; preferably, the processor 980 may integrate an application processor, which primarily handles operating systems, user interfaces, applications, etc., and a modem processor, which primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 980.

In this embodiment, the foregoing steps performed by the terminal may be implemented based on the terminal structure shown in fig. 9.

Referring to fig. 10, fig. 10 is a block diagram of a server 1000 provided in this embodiment, and the server 1000 may have a relatively large difference due to different configurations or performances, and may include one or more Central Processing Units (CPUs) 1022 (e.g., one or more processors) and a memory 1032, and one or more storage media 1030 (e.g., one or more mass storage devices) storing an application 1042 or data 1044. Memory 1032 and storage medium 1030 may be, among other things, transient or persistent storage. The program stored on the storage medium 1030 may include one or more modules (not shown), each of which may include a sequence of instructions operating on a server. Still further, a central processor 1022 may be disposed in communication with the storage medium 1030, and configured to execute a series of instruction operations in the storage medium 1030 on the server 1000.

The server 1000 may also include one or more power supplies 1026, one or more wired or wireless network interfaces 1050, one or more input-output interfaces 1058, and/or one or more operating systems 1041, such as Windows Server, mac OS XTM, unixTM, linuxTM, freeBSDTM, and so forth.

In this embodiment, the central processor 1022 in the server 1000 may perform the following steps:

determining a plurality of candidate resource value transfer accounts in response to the resource value return requests;

According to an aspect of the present application, there is provided a computer-readable storage medium for storing program code for executing the data processing method described in the foregoing embodiments.

According to an aspect of the application, there is provided a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the method provided in the various alternative implementations of the embodiment.

The terms "first," "second," "third," "fourth," and the like in the description of the application and the above-described figures, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Moreover, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

The above embodiments are only used to illustrate the technical solutions of the present application, and not to limit the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.

Claims

1. A method of data processing, the method comprising:

2. The method of claim 1, wherein the resource value return request further includes a product identifier of a target resource value product, and wherein determining a plurality of candidate resource value transfer accounts in response to the resource value return request comprises:

3. The method as recited in claim 1, wherein after transferring the target resource value obtained from the target resource value transfer account to the target object's account based on the object identification, the method further comprises:

sending a notification message to enable a resource value account corresponding to a target resource value product to transfer the target resource value to the target resource value transfer account according to the notification message; the notification message is used for embodying the target resource value transfer account to replace the resource value account corresponding to the target resource value product to transfer the target resource value.

4. The method of claim 1, wherein determining a target resource value transfer account from the plurality of candidate resource value transfer accounts that satisfies a resource value transfer requirement based on status information of the candidate resource value transfer accounts comprises:

5. The method of claim 4, wherein selecting one of the candidate resource value transfer accounts from among the candidate resource value transfer accounts satisfying the resource value transfer requirement as the target resource value transfer account comprises:

6. The method of claim 1, wherein determining a target resource value transfer account from the plurality of candidate resource value transfer accounts that satisfies a resource value transfer requirement based on status information of the candidate resource value transfer accounts comprises:

7. The method of claim 6, wherein the priority is determined by:

8. The method of claim 7, wherein the status information includes a resource value transfer quota, and wherein determining that the first candidate resource value transfer account does not satisfy the resource value transfer requirement based on the status information of the first candidate resource value transfer account comprises:

determining whether the second candidate resource value transfer account satisfies the resource value transfer requirement according to the status information of the second candidate resource value transfer account comprises:

9. The method according to claim 1, wherein the resource value returning request acquired at the first time is a first resource value returning request, the first resource value returning request includes a product identifier of a target resource value product, a target resource value transfer account corresponding to the first resource value returning request is a first candidate resource value transfer account, and the method further comprises:

the determining, from the plurality of candidate resource value transfer accounts, a target resource value transfer account that satisfies a resource value transfer requirement according to the status information of the candidate resource value transfer accounts includes:

10. The method according to any one of claims 1-9, wherein the resource value return request comprises at least one of a roll-out request of a target resource value product, a resource value allocation request corresponding to the target resource value product, and a roll-in failure resource value return request of the target resource value product.

11. A data processing apparatus characterized by comprising an acquisition unit, a determination unit, a generation unit, a transmission unit, and a transfer unit:

the acquiring unit is used for acquiring a resource value returning request, and the resource value returning request comprises an object identifier of a target object;

the transfer unit is configured to transfer the target resource value acquired from the target resource value transfer account to the account of the target object according to the object identifier.

12. The apparatus of claim 11, wherein the resource value returning request further includes a product identifier of a target resource value product, and wherein the determining unit is configured to:

13. The apparatus of claim 11, wherein the sending unit is further configured to:

14. An electronic device for data processing, the electronic device comprising a processor and a memory:

the processor is configured to perform the method of any of claims 1-10 according to instructions in the program code.

15. A computer-readable storage medium, characterized in that the computer-readable storage medium is configured to store a program code for performing the method of any of claims 1-10.